MOTOR THIRD PARTY LIABILITY INSURANCE – POLISH MARKET IN CONNECTIONS TO EUROPEAN TRENDS

Motor insurance, despite continuous product development, are still in most European countries, the predominant group of products sold by non-life Insurers. In the countries of Central and Eastern Europe is about 2/3 of the insurance written premiums. In the article authors analyze the areas and factors affecting the development of this class of insurance and current market changes in Poland in comparison to the European trends. The main attention has been devoted to number of accidents and road safety, frequency and amount of claims, other macroeconomics and legal factors. Also the financial issues, such as premium and profitability, were discussed

Keywords:

Liability insurance, motor insurance Polish insurance market, compulsory insurance,

PDF

___

CEA (2010): The European Motor Insurance Market, CEA Statistics N°38, www.cea.eu, February 2010
GUS (2009:) Incomes and living conditions of the population in Poland, http://www.stat.gov.pl/gus/5840_4171_PLK_HTML.htm [201103-01] http://dlakierowcow.policja.pl/portal/dk/807/47493/Wypadki_drogowe__rapor ty_roczne.html
Jamroz Kazimierz (2006), „Pasy bezpieczeństwa skutecznym narzędziem ochrony kierowców i pasażerów w pojeździe”, International Seminar GAMBIT http://www.krbrd.gov.pl/gambit/seminarium_gambit_2006/PL/contents/PDF_file/
Kazimierz%20Jamroz_pl.pdf [2011-03-20]
Komenda Główna Policji (2010): Wypadki drogowe w Polsce w 2009 roku, www.policja.pl
Lowe Julian (ed) (2002): “The cost of compensation culture”, Working Party of
The Actuaries Society www.actuaries.org.uk/__data/assets/pdf_file/0007/.../Lowe.pdf [2010.06.22]
Monkiewicz Marek (2011), „Szkody osobowe w Polsce. Analiza ekonomiczna zjawiska”, (In: Monkiewicz Jan, Monkiewicz Marek, Kwiecień Ilona Ed. Szkody osobowe z tytułu OC komunikacyjnego w Polsce. Tendencje rozwoju 2006- ); Pro Motor, Warszawa, pp. 111-136
Retail Insurance Market Study (2009), MARKT/2008/18/H, Final Report by
Europe Economics, London, www.europe-economics.com, 2009
Tackling the “Compensation Culture” (2004) Government Response to the Better
Regulation Task Force Report” “Better Routes to Redress”; http://www.pdfdownload.org/pdf2html/pdf2html.php?url=http%3A%2F%2Fwww dca.gov.uk%2Fmajrep%2Fbettertaskforce%2Fbetter-task-force.pdf&images=yes 06-21] Wiłkomirska Wiosna, Podleśny Grzegorz (2008): „Jak to robią inni? Likwidacja szkód komunikacyjnych”, Miesięcznik Ubezpieczeniowy, No. 4, pp.7-9 www.knf.gov.pl www.krbrd.gov.pl