Capital squeeze takes the wind out of Asia marine renewals
資本緊縮令亞洲水險合約續轉受挫
10 – 01 – 2023
Wang Wei 王为 瑞恩保险经纪有限公司首席执行官
Insurance Asia News
正如 InsuranceAsia News 報道的那樣,該地區水險核保人面臨的具有挑戰性的續轉在一定程度上受到了新冠肺炎防控政策的影響,這些政策已經顯著放寬,這意味著亞太地區的水險市場賠付率一直相對穩定。
Rare Earth Insurance Partners 首席執行官王為先生指出,「水險是最困難的領域,雖然有條款,但市場往往持懷疑態度。水險合約,尤其是貨運險,曾經是市場上最靈活的類別之一,因為過去整個市場的賠付率都很好,尤其是在中國。」 ……
「在亞太地區,非比例合約價格上漲了 18-20%,尤其是巨災風險。」 ……「戰爭和製裁對合約排分產生了影響,但遠不及市場最大的問題——承保能力。 今年的情況有所不同:對於所有險種,即使保險公司能夠與信譽良好的再保險主承達成一致,他們也很難從市場上找到承保能力,」 Rare Earth的王為先生說道。
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Wang Wei, Chief Executive of Rare Earth Insurance Partners, noted, “marine was the most difficult sector and whilst terms were available, markets were often sceptical. Marine treaty, especially cargo, used to be one of the most flexible classes in the market, because the loss ratio for the whole market was good in the old days, especially in China.” …
“In APAC, non-proportional treaty prices went up 18-20%, especially for cat risks.” … “The war and sanctions have had their influence treaty placement, but far less than the market’s biggest issue – capacity. This year the situation is different: for all classes, even if an insurance company could get the deal with a reputable reinsurance leader, they had problems finding capacity from the markets,” Rare Earth’s Wei said.
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