АНАЛІЗ РИНКУ СТРАХОВИХ ПОСЛУГ УКРАЇНИ

Abstract

UDC 368 ; JEL Classification: G 220 Purpose . The determination of the basic characteristics of the market of classical types of insurance in the modern conditions of Ukraine. Methodology of research. During the study, methods of analysis and synthesis, method of logical analysis were used. Information resources of the research are electronic information resources and periodical material. Findings. The insurance market in Ukraine is characterized by a high level of competition, but despite the existing companies and existing insurance companies, the task of expanding the scope of activities is to open up new markets as well as new types of insurance. The main regularities of the functioning of Ukrainian insurance market can be seen after a thorough analysis of industry indicators by the main most common types of insurance. The insurance market for civil liability of land vehicle owners is characterized by a positive dynamics of the volume of collected insurance premiums, but there group of companies that are holders of the prevailing segment of this market and during the investigated period of 2015-2018, these companies were strengthening their position in the market. Such companies are Oranta, Providna, TAS AG, UPSK. CASCO market is even more kept by certain leading companies. According to the survey period, there are three insurance companies that actually hold this market - AXA insurance, Unika, Ukrainian insurance group, and in recent years strengthened its position in the CASCO insurance the company Arsenal insurance. The property insurance market is more free. However, there are companies that were holding a dominant position throughout the 2015-2018 period - the insurance Arsenal, AXA insurance, PZU Ukraine. These companies have achieved very strong growth over the past two years - Unica and Alliance, as well as companies that have actually left this Insurance market segment - ASKA. The market for voluntary health insurance also shows a clear distribution of market partsbetween several key players - such as Providna, Unika, Neftegazstrakh, AXA insurance. It should be noted that this segment of the market is the most stable in structure over the entire period under study. The insurance market for tourists is characterized by a steady distribution of the market between several key players, namely PZU Ukraine, European Travel Insurance, VUSO, but the growth of the parts of Ukrfingosstrakh and TAS IG can be seen. The situation on the agro-insurance market is very unstable - some companies have actually left the market (ASKA, Ingo Ukraine, Zdorovo), but the unchanged leaders are Universal and PZU Ukraine. The main feature of the insurance market in Ukraine is a clear specialization of companies in certain types of classical insurance. This leads to significant difficulties when entering new companies' markets or when attempting to extend activities to other classic types of insurance. That is, the development of new types of voluntary insurance is the main instrument for achieving the stated goals today. Originality. The prospects of the company's entering into the markets of the main classic types of insurance are determined. Practical value. The proposed conclusions can be used by researchers and managers of insurance companies for determining the prospects of entering new markets for classic types of insurance.