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Ukraine – the Gate of Europe
Population - 46 milions;
Territory – 607,3 sq. km;
127 border crossing points;
170 000 km/ length of roads
5 international transport corridors;
Neighbours – RUS, MD, RO, SK, H, PL, BY.
Number of injury road accidents per country, 2010
0
50 000
100 000
150 000
200 000
250 000
300 000
350 000
0
20
40
60
80
100
120
140
160
180
200
Number of fatalities in road accidents per 1 mln. inhabitants, 2010
0
1 000
2 000
3 000
4 000
5 000
6 000
Number of injuries in road accidents per 1 mln. inhabitants, 2010
Obligatory limits of MTPL insurer:Obligatory limits of MTPL insurer:
• for the damages caused to the health of the victims – 9 434 EUR per victim, without limitation as per accident;
• for the damages caused to the property – 4717 EUR per victim, if more than 5 victims per accident — 23 585 EUR for all victims;
Average MTPL claims ratio in Ukraine – 2005-2011
0
5
10
15
20
25
30
35
40
45
2005 2006 2007 2008 2009 2010 2011
%
Domestic MTPL Market 2011
Gross written Premium 215,4 mln.EUR
Number of settled claims 104 360
Paid claims 86,7 mln.EUR
Average Premium 25,8 EUR
Average Loss:
- material 932 EUR
- personal 599 EUR
Average domestic MTPL claim cost – 2005-2011 (EUR)
450
486
563
655
752
827
922
0 100 200 300 400 500 600 700 800 900 1 000
2005
2006
2007
2008
2009
2010
2011
The structure of Domestic MTPL insurance indemnities in 2011
98% - material damage; 2% - personal damage.
Green Card Market 2011
Gross written Premium 30,4 mln.EUR
Number of issued “Green Cards” 673 111
Number of settled claims 3 617
Paid claims 9,12 mln.EUR
Average Premium 45,2 EUR
Average Loss 2 521,4 EUR
Claims covered by Foreign Green Cards in UkraineTOP-5 countries of registration of the vehicle involved in accidents –
2010-2011
2010
№ Country Number Share, %
1 RUS 234 27
2 MD 146 17
3 BY 129 15
4 PL 85 10
5 CZ 46 5
6 Others 231 27
Total 871 100
2011
№ Country Number Share, %
1 RUS 410 39
2 BY 116 11
3 MD 115 11
4 PL 104 10
5 D 47 4
6 Others 261 25
Total 1 053 100
Claims covered by Ukrainian Green Cards abroadTOP-5 countries by the number of reported accidents – 2005-2011
1147
914
1777
953
578
607
497
1158
832
797
523
229
585
136
618
668
767
616
311
328
194
640
388
278
209
108
397
96
695
741
664
619
611
1355
856
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
2005
2006
2007
2008
2009
2010
2011
PolandItalyGermanyHungaryOther
• Improvement of legislation on MTPL.
• Increase of insurance indemnities for personal damages.
• Reduction of uninsured vehicles’ market share.
• Elaboration of the direct settlement system for domestic market.
• Harmonization of the tariffs of the insurance premiums.
• Introduction of antidumping sanctions for insurers.
Most important issues of Ukrainian MTPL Most important issues of Ukrainian MTPL insurance marketinsurance market