Eksik sigorta i\u00e7in sanayicileri uyaran uzmanlar, hasar ger\u00e7ekle\u015fene kadar kendini belli etmeyen bir risk oldu\u011funu belirtiyor. Sorunun \u00e7o\u011fu zaman sigortan\u0131n olmamas\u0131 de\u011fil, yanl\u0131\u015f bedelle yap\u0131lm\u0131\u015f olmas\u0131na dikkat \u00e7ekiyor.<\/p>\n
2026 y\u0131l\u0131n\u0131n ilk ay\u0131 geride b\u0131rak\u0131l\u0131rken sigorta sekt\u00f6r\u00fc ve sanayi tesisleri mercek alt\u0131na al\u0131nd\u0131\u011f\u0131nda \u00f6zellikle bir konunun g\u00fcncelli\u011fini korudu\u011fu g\u00f6r\u00fcl\u00fcyor. Do\u011fan Sigorta ve Reas\u00fcrans Brokerli\u011fi Y\u00f6netim Kurulu Ba\u015fkan\u0131 Selcen Do\u011fan G\u00fcr, T\u00fcrkiye’de sanayicilerin uzun s\u00fcredir genel anlamda finansmana eri\u015fim, artan maliyetler ve belirsizliklerle bo\u011fu\u015ftu\u011funu ifade ederken, bu ba\u015fl\u0131klar\u0131n g\u00f6lgesinde kalan ve \u00e7o\u011fu zaman hasar ya\u015fand\u0131\u011f\u0131nda fark edilen bir riskin de ‘eksik sigorta’ oldu\u011funu s\u00f6yledi.<\/p>\n
Sorunun \u00e7o\u011fu zaman sigortan\u0131n olmamas\u0131 de\u011fil, yanl\u0131\u015f bedelle yap\u0131lm\u0131\u015f olmas\u0131n\u0131 belirten G\u00fcr, “Son y\u0131llarda ya\u015fanan y\u00fcksek enflasyon, sanayi tesislerinin ger\u00e7ek de\u011ferlerini \u00e7ok h\u0131zl\u0131 bi\u00e7imde yukar\u0131 ta\u015f\u0131d\u0131. Buna kar\u015f\u0131n pek \u00e7ok i\u015fletmede sigorta bedelleri y\u0131llard\u0131r g\u00fcncellenmiyor. Makine parklar\u0131 b\u00fcy\u00fcyor, bina maliyetleri art\u0131yor, yeniden yap\u0131m s\u00fcreleri uzuyor, ancak poli\u00e7edeki teminat bedeli ayn\u0131 kal\u0131yor. Bu durum hasar an\u0131nda sanayiciyi \u015fu ger\u00e7ekle kar\u015f\u0131 kar\u015f\u0131ya b\u0131rak\u0131yor. Sigorta \u015firketleri zarar\u0131n tamam\u0131n\u0131 de\u011fil, sigortalanan oran kadar\u0131n\u0131 \u00f6d\u00fcyor” dedi.<\/p>\n
G\u00fcr, eksik sigortay\u0131 \u00f6rnekle \u015f\u00f6yle a\u00e7\u0131klad\u0131: “Tesisin de\u011feri 100 birimken 60 birim \u00fczerinden sigortalanm\u0131\u015fsa, hasar\u0131n yaln\u0131zca y\u00fczde 60’\u0131 kar\u015f\u0131lan\u0131yor. Kalan k\u0131s\u0131m do\u011frudan i\u015fletmenin bilan\u00e7osuna yaz\u0131l\u0131yor.”<\/p>\n
Eksik sigortan\u0131n en tehlikeli taraf\u0131n\u0131n, yaln\u0131zca b\u00fcy\u00fck felaketlerde de\u011fil, k\u0131smi hasarlarda da devreye girmesi oldu\u011funu vurgulayan G\u00fcr, yang\u0131n veya depremin t\u00fcm tesisi yok etmesinin gerekmedi\u011fini, bir \u00fcretim hatt\u0131n\u0131n zarar g\u00f6rmesinin bile, ‘eksik sigorta’ halinde, beklenenden \u00e7ok daha d\u00fc\u015f\u00fck \u00f6deme anlam\u0131na geldi\u011fini ifade etti.<\/p>\n
Bu nedenle ‘eksik sigorta’ \u00e7o\u011fu zaman ancak hasar dosyas\u0131 a\u00e7\u0131ld\u0131\u011f\u0131 zaman sanayici taraf\u0131ndan fark edilebiliyor. Hasar ger\u00e7ekle\u015fene kadar kendini belli etmeyen bir risk olan ‘eksik sigorta’ konusunda sanayicileri uyaran G\u00fcr, ‘eksik sigortan\u0131n’ bu denli yayg\u0131n olmas\u0131n\u0131n temel nedenlerini \u015f\u00f6yle a\u00e7\u0131klad\u0131: “Teminat bedellerinin y\u0131ll\u0131k olarak g\u00fcncellenmemesi, rayi\u00e7 bedel ile ikame bedel fark\u0131n\u0131n yeterince bilinmemesi, poli\u00e7elerin yaln\u0131zca fiyat odakl\u0131 yenilenmesi ve risk analizinin sahada yap\u0131lmamas\u0131.”<\/p>\n
“En b\u00fcy\u00fck risk yaln\u0131zca fiziki hasar de\u011fil, \u00fcretimin durmas\u0131”<\/p>\n
G\u00fcn\u00fcm\u00fczde sanayi i\u015fletmeleri i\u00e7in en b\u00fcy\u00fck riskin yaln\u0131zca fiziki hasar de\u011fil, \u00fcretimin durmas\u0131 oldu\u011funu kaydeden G\u00fcr, makine onar\u0131m\u0131n\u0131n haftalar, bazen aylar s\u00fcrebildi\u011fini, bu s\u00fcre\u00e7te kaybolan cironun, iptal edilen sipari\u015flerin, bozulan m\u00fc\u015fteri ili\u015fkilerinin \u00e7o\u011fu zaman hasar\u0131n kendisinden daha b\u00fcy\u00fck zarara yol a\u00e7t\u0131\u011f\u0131na i\u015faret etti. Eksik sigortayla d\u00fczenlenmi\u015f poli\u00e7elerde, i\u015f durmas\u0131 teminatlar\u0131nda da tazminat ayn\u0131 oranda eksik \u00f6deniyor. Yani yaln\u0131zca bina ve makinede de\u011fil, kar kayb\u0131nda da eksik tazminat al\u0131n\u0131yor.<\/p>\n
Sigortan\u0131n yaln\u0131zca bir sat\u0131n alma i\u015flemi olmad\u0131\u011f\u0131n\u0131 belirten G\u00fcr, brokerlik hizmetinin de yaln\u0131zca poli\u00e7e temini de\u011fil, sanayicinin kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fu riskleri \u00f6nceden g\u00f6rme ve olas\u0131 bir hasarda bilan\u00e7o dengesini koruyacak yap\u0131y\u0131 kurma anlam\u0131na geldi\u011finin alt\u0131n\u0131 \u00e7izerek, “Do\u011fru bedelin belirlenmesi, do\u011fru teminat setinin kurulmas\u0131 ve i\u015fletmenin risk profilinin b\u00fct\u00fcnc\u00fcl de\u011ferlendirilmesiyle m\u00fcmk\u00fcnd\u00fcr. \u00c7\u00fcnk\u00fc sigorta, hasardan sonra de\u011fil; hasar olmadan \u00f6nce do\u011fru kurgulan\u0131rsa anlam kazan\u0131r” dedi. – \u0130STANBUL<\/p>\n","protected":false},"excerpt":{"rendered":"
Uzmanlar, eksik sigortan\u0131n hasar an\u0131nda fark edildi\u011fini ve ciddi finansal kay\u0131plara yol a\u00e7abilece\u011fini vurgulad\u0131.<\/p>\n","protected":false},"author":1,"featured_media":33046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[4962,2830,374,1493,1796],"class_list":["post-33045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bedel","tag-hasar","tag-sanayi","tag-sigorta","tag-yalnizca"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/33045","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=33045"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/33045\/revisions"}],"predecessor-version":[{"id":33047,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/33045\/revisions\/33047"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/33046"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=33045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=33045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=33045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}