Publication: Kasko sigortaları fiyatlandırması, Avrupa Ülkeleri ile karşılaştırması ve bir model uygulaması
Abstract
KASKO SİGORTALARI FİYATLANDIRMASI, AVRUPA ÜLKELERİ İLE KARŞILAŞTIRMASI ve BİR MODEL UYGULAMASI Sigorta sektörü, Türkiye ve Dünyada finans piyasalarının gelişiminde önemli bir rol üstlenen, Türkiye gibi gelişmekte olan ekonomilerde dinamik olması beklenen sektörlerden biridir. Gelişmiş ülkelerde sigortacılık sektörü doyum noktasına ulaşmasına rağmen, gelişmekte olan ülkelerde, ülkemizde olduğu gibi önemli ölçüde sigortalanabilir kapasite bulunmaktadır. Bu nedenle, dünya sigorta hacmi gelişmekte olan ülkelerde daha fazla gelişmektedir. Bu tez çalışmasında sigortanın önemli branşlarından olan Kasko sigortası incelenmiştir. Kasko sigortasının, Türkiye’deki gelişimi, uygulanması, aynı zamanda AB’deki motor pazarı ile mevzuatı karşılaştırılmıştır. Sektörün en önemli sorunu olan kasko branşındaki teknik zararın önlenmesinde en önemli etkenlerden biri olan kaskoda risk faktörleri, araç marka-model, araç yaşı, sürücü yaşı, araç kullanım türü, meslek, ikametgâh gibi faktörleri ile ödenen hasar çalışmada temel alınmıştır. Araç marka ve modellerini indirgemek için hiyerarşik olmayan kümeleme k-ortalamalar yöntemi uygulanmıştır. Bu faktörleri ilişkilendiren çoklu regresyon kullanılarak analatik bir model oluşturulmuştur. Bu regresyon analizinde SPSS kullanılmıştır. Trafik Bilgi Merkezi (TRAMER) den, farklı sigorta şirketlerinin 2005 yılına ait 29.537 adet verileri alınarak modele uygulanmış ve elde edilen sonuçlara göre, kasko sigortasının fiyatlandırılmasına ilişkin risk faktörleri arasında bağlantı araştırılmış ve bu risk faktörlerinin ödenen hasar ile ilişkisi belirlenmeye çalışılmıştır. Elde edilen sonuçlar tablolar ve grafikler halinde sunulmuştur. Türk sigortacılık ve AB sigortacılık mevzuatı karşılaştırılmış ve Türkiye deki sigortacılığın AB de ve dünyadaki yeri araştırılmıştır.
PRICING FOR MOTOR INSURANCE (CASCO) IN TURKEY, COMPARISON OF TURKISH SYSTEM WITH EUROPEAN SYSTEM AND PROPOSAL FOR A NEW MODEL Insurance sector is one of the sectors which assumes an important role in the development of the financial markets in Turkey and in the World and which is expected to be dynamic in developing economies such as Turkey. Although insurance sector has satiated in developed countries in developing countries as well as in our country there is large capacity that is waiting to be insured. Therefore, the volume of insurance in the world is evolving more in developing countries. In these, one of the important branches of insurance, motor insurance (casco) insurance is handled. The development of automobile insurance, its implementation, at the same time engine market in EU and the legislations are compared. Risk factors in automobile insurance, that consists one of the most important factors in the prevention of the technical damages is taken as the basis for damages in the payment such as vehicle make and year, driver’s age, habits of driving, residence. In order to reduce the vehicle make and models, grouping k-averages method was implemented. Bu using multiple regression that associates these factors with each other, an analytical model is formed. In this regression analysis, SPSS program is used. By taking 29.537 data of insurance companies for the year 2005, from the Traffic Information Center (TRAMER) it was applied to the model and according to the results obtained, the relationship between the risk factors in the pricing of the automobile insurance was researched and the relationship between these risk factors and the damage paid for was tried and determined. The results obtained are presented as tables and graphics. Turkish insurance and underwriting business legislation was compared with the legislation of EU insurance and the place of Turkish insurance business in Turkey and in the world was researched.
PRICING FOR MOTOR INSURANCE (CASCO) IN TURKEY, COMPARISON OF TURKISH SYSTEM WITH EUROPEAN SYSTEM AND PROPOSAL FOR A NEW MODEL Insurance sector is one of the sectors which assumes an important role in the development of the financial markets in Turkey and in the World and which is expected to be dynamic in developing economies such as Turkey. Although insurance sector has satiated in developed countries in developing countries as well as in our country there is large capacity that is waiting to be insured. Therefore, the volume of insurance in the world is evolving more in developing countries. In these, one of the important branches of insurance, motor insurance (casco) insurance is handled. The development of automobile insurance, its implementation, at the same time engine market in EU and the legislations are compared. Risk factors in automobile insurance, that consists one of the most important factors in the prevention of the technical damages is taken as the basis for damages in the payment such as vehicle make and year, driver’s age, habits of driving, residence. In order to reduce the vehicle make and models, grouping k-averages method was implemented. Bu using multiple regression that associates these factors with each other, an analytical model is formed. In this regression analysis, SPSS program is used. By taking 29.537 data of insurance companies for the year 2005, from the Traffic Information Center (TRAMER) it was applied to the model and according to the results obtained, the relationship between the risk factors in the pricing of the automobile insurance was researched and the relationship between these risk factors and the damage paid for was tried and determined. The results obtained are presented as tables and graphics. Turkish insurance and underwriting business legislation was compared with the legislation of EU insurance and the place of Turkish insurance business in Turkey and in the world was researched.