Powoli wracają do salonów dealerskich tanie lub wręcz gratisowe pakiety ubezpieczeniowe. Już pod koniec lat 90. polisa była wykorzystywana jako sposób na zachęcenie klientów, aż do spadku sprzedaży aut w 2003 roku. W chwili obecnej pomysł wraca do łask, ponieważ notowany jest wzrost sprzedaży (od 2007 o ponad 25 proc.) i każdy chce na nim jak najwięcej zyskać. W grę wchodzą nie tylko zyski ze sprzedaży nowych aut, ale też prowizje od sprzedanych polis i zyski z naprawy rozbitych aut.
Importerzy i dealerzy wolą dodawać bonusy, niż obniżać ceny wyjściowe aut. Powód ? Wpływ na tzw. wartość rezydualną, czyli wartość, za jaką samochód uda się sprzedać po upływie założonego czasu eksploatacji.
Eliza Kitlas z EurotaxGlass, firmy monitorującej rynek samochodowy mówi, że w przypadku klientów flotowych jest to kwestia kluczowa. Coraz częściej również klienci indywidualni zwracają na ten element uwagę, dlatego też sprzedawcy zamiast zniżek kuszą dodaniem lepszego wyposażenia w cenie auta, wysoką ceną odkupu auta używanego, preferencyjnym kredytem czy tanim lub gratisowym pakietem ubezpieczeniowym.
Przemysław Konopka, wiceprezes Gras Savoye Polska, firmy brokerskiej zajmującej się m.in. opracowywaniem programów dealerskich mówi, że koncerny odchodzą od wyłączności przyznawanej jednemu ubezpieczycielowi. Dlatego też obecnie w salonie coraz częściej można dokonać wyboru ubezpieczenia z ofert kilku towarzystw, np.: PZU, Allianz czy Ergo Hestii – najbardziej aktywnych w tym segmencie rynku.
Warto jednak, aby klient zwrócił uwagę, jaki pakiet kupuje. Może bowiem otrzymać zarówno wersję podstawową (czyli np. przewidujący udział własny w szkodzie czy zmniejszenie sumy ubezpieczenia o wypłacone odszkodowanie), jak i wersję poszerzoną, bez takich zapisów, a dodatkowo np. samochód zastępczy.
Zdecydowana większość umów ma za to jedną część wspólną. Przemysław Konopka wyjaśnia, że przewidują one, iż klient będzie pokrywał część szkody z własnej kieszeni, jeśli po szkodzie częściowej nie będzie naprawiał samochodu w sieci serwisowej danego dealera.
Ma to zagwarantować sprzedawcom aut, że rozbity samochód wróci do serwisu. Starają się więc zniwelować wpływ wypłat na podstawie wyliczeń kosztorysowych, preferowanych przez ubezpieczycieli, który są sporządzane według cen uniemożliwiających naprawę w ASO. Według danych PZU niemal 50 proc. liczby wypłat z AC i około 25 proc. ich wartości jest rozliczanych właśnie w ten sposób. Nie ma też utraty gwarancji w przypadku naprawy w okresie gwarancyjnym poza ASO i przy użyciu części nie z logo producenta auta (droższych), ale z logo producenta części (tańszych).
Także coraz częstszą praktyką jest wprowadzanie do salonów tzw. ubezpieczeń GAP, czyli utraty wartości auta. Jako pierwsze dało taki gratisowy bonus Mitsubishi (przy zakupie lancera lub colta), dzięki czemu klient, który rozbije zupełnie samochód lub zostanie mu on skradziony, będzie mógł liczyć na wypłatę równą wartości fakturowej, za jaką kupił auto. Po prostu do wypłaty z AC komunikacyjnego, według wartości auta z dnia szkody, dodaje się odszkodowanie z GAP, które uzupełnia lukę między wartością fakturową a rzeczywistą z dnia szkody.
Składki za pakiety ustalane są na preferencyjnych warunkach, ale ze względu na prostotę obsługi takich umów składkę różnicuje się tylko ze względu na rodzaj samochodu, miejsce zamieszkania czy wiek. Tak mało zmiennych powoduje, że osoby, które powodują mało szkód, mogą liczyć na lepszą ofertę poza salonem dealerskim, bo towarzystwa coraz bardziej rozbudowują systemy przyciągania takich klientów niskimi składkami. Takie osoby powinny sprawdzić, czy na rynku nie dostaną lepszej oferty. Młodzi kierowcy niemal na pewno taniej niż w salonie nie ubezpieczą auta.
( źródło: „Gazeta Prawna” z 14.08.2007 r. )
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