Poles most often fear the disease and death of their relatives. They consider whether threats more and more likely - according to the report of the Polish Insurance Association and Deloitte published on Wednesday.
Poles most often fear the disease and death of their relatives. They consider weather hazards to be more and more likely. They are also afraid of the lack of money for old age and the consequences of car accidents - according to the report of the Polish Insurance Association and Deloitte published on Wednesday, entitled "The risk map of Poles".
“Poles fear for their health and that of their loved ones. They are worried about the lack of access to medical care, but also the lack of money to treat serious diseases and in old age. Concerns about unfavorable weather events are growing. Poles are also afraid of car accidents, although this risk largely depends on our behavior, ”said Jan Grzegorz Prądzyński, president of the board of the Polish Insurance Association, quoted in the press release.
PIU conducted a survey in which respondents were asked about 40 negative events that may occur in their lives. According to the report, car accidents are the eighth concern among 40 examined risks on the "Map of the risk of Poles".
“In 2011-2020, insurers liquidated 18.5 million motor claims and paid PLN 116 billion in claims. We remain at the forefront of Europe when it comes to fatalities. For years, we have been proposing to link motor third party liability insurance rates with fines and penalty points. This would translate into an improvement in road safety, as some drivers, driving dangerously, would change their habits, having in mind the prospect of paying a higher premium from third party liability insurance, ”says Jan Grzegorz Prądzyński.
The "Risk Map of Poles" also shows that among the concerns that are important to Poles are also those resulting from weather disasters and climate change. The ninth and tenth most important concerns of respondents are global warming and strong winds or hurricanes, respectively. These fears are higher for people living in rural areas and smaller towns due to weaker infrastructure and lower financial resources.
“Insurers can be part of a climate risk management strategy, but they cannot replace this strategy. It can be seen with the naked eye that ill-considered and dense development causes more and more unfavorable phenomena, e.g. urban floods. Insurers are able to financially secure those injured, but a good strategy and planning would allow avoiding a lot of weather damage, ”said the head of the Polish Insurance Association.
The announcement stated that PIU conducted two waves of the study by creating the "Map of the risk of Poles". For the first time, the Chamber asked Poles about their greatest concerns in February 2020, a few weeks before the first lockdown. For the second time - a year after the declaration of the pandemic, in February 2021.
"This allowed us not only to examine the most important concerns and concerns of respondents, but also to see how they changed during the pandemic," says Julia Patorska, partner at Deloitte.
The study shows that during the pandemic, the percentage of respondents who were afraid of the consequences of serious diseases of their relatives increased significantly (by 4 percentage points) and the lack of access to medical care (by 5 percentage points). Concerns about the theft of a telephone and the theft of money over the Internet also increased (by 5 and 4 percentage points, respectively). Finally, the time of the pandemic strengthened the belief in the usefulness of insurance. In February 2021, 83 percent. of respondents agreed with the statement that "insurance is useful when bad things happen in life." A year earlier, it was 78 percent.
“Research confirms the trust of Poles in insurance, but this trust should translate more into the tendency to take out insurance. On the one hand, we are concerned about serious diseases, the lives of our loved ones, lack of money for treatment and old age. On the other hand, most of us still do not save in the long term, and we still spend less than the EU average on protective life insurance policies, especially in the individual form "- summed up Prądzyński. (PAP)
Author: Marek Siudaj