保險公司和經紀人看到了亞洲海洋保險市場在經歷了三年相對良好的增長後出現了一些市場趨緩的跡象。然而，很少有人認為該行業會回到承保能力過剩和利潤薄弱的舊日景象。

根據InsuranceAsia News的報導，瑞恩保險經紀合夥人、香港董事總經理陳慧蘭分享了她的看法：

“該地區的保險公司今年傾向於採取更加審慎和保守的做法，以實現其帳面的盈利，而不是僅僅滿足收入增長目標。船舶險市場已經出現了一些收緊，這主要是由於不良的賠付結果、船舶险临分能力減少以及在該地區船舶险合約保費不充足的長期困境等原因所致。”

然而，亞洲地區的價格上漲速度仍然落後於歐洲和美國市場。在水險中的貨運險方面，該地區的費率保持相對穩定，保險公司難以推動提價，而客戶繼續堅持降價。

競爭壓力可能會進一步加劇費率下降。

“像擁有良好賠付記錄的大型或表現良好的風險（例如大宗商品）又經歷了價格下降。

在某些國家，如韓國，競爭壓力尤其嚴重。”

“對於在韓國表現不佳的業務，費率下降5%左右是相當普遍的。”

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Insurers and brokers are seeing some softening of the marine insurance market in Asia, following three years of fairly decent growth. However, few expect the sector to lapse back into the bad old days of over-capacity and weak profitability.

As reported by InsuranceAsia News, Candace Chan, Managing Director of Rare Earth Insurance Partner’s Hong Kong operations shares her perspective:

“Insurers in the region have tended to adopt a more prudent and conservative approach this year, aiming at the profitability of their books rather than meeting top lines only.

There has been some hardening of the hull market, for a number of reasons, including but not limited to the poor loss result, reduction of facultative hull capacities, and the continual difficulties of completing their hull treaties in the region”.

Despite this, though … “the price increase in Asia lags behind the European and US markets. In terms of marine cargo insurance, rates remain fairly flat in the region, with insurers struggling to push for an increase and clients continuing to insist on reductions”.

Mounting competitive pressure could put further pressure on rates.

… “Large or well-performing risks, such as commodity accounts with clean loss records, are in particular experiencing pricing decreases.

Competitive pressure in certain countries – Korea being an obvious example – has been particularly acute.

… Rate reductions of up to 5% for non-performing accounts in Korea have been fairly common”.

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