{"id":929,"date":"2026-09-02T20:00:52","date_gmt":"2026-09-02T17:00:52","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=929"},"modified":"2026-09-02T20:00:52","modified_gmt":"2026-09-02T17:00:52","slug":"reasuransta-artan-kapasite-sigorta-alicilarina-yeni-firsatlar-sunuyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=929","title":{"rendered":"Reas\u00fcransta artan kapasite sigorta al\u0131c\u0131lar\u0131na yeni f\u0131rsatlar sunuyor"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Howden T\u00fcrkiye, 2026\u2019n\u0131n ilk yar\u0131s\u0131nda k\u00fcresel sigorta ve reas\u00fcrans piyasalar\u0131nda artan kapasite ve rekabetin al\u0131c\u0131lar lehine ko\u015fullar olu\u015fturdu\u011funa dikkat \u00e7ekti. Howden T\u00fcrkiye Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve B\u00f6lge CEO\u2019su At\u0131n\u00e7 Y\u0131lmaz, b\u00fcy\u00fck \u00f6l\u00e7ekli katastrofik hasar ya\u015fanmamas\u0131 halinde avantajl\u0131 fiyatlama ortam\u0131n\u0131n devam edebilece\u011fini belirtirken, jeopolitik geli\u015fmeler nedeniyle politik \u015fiddet ve harp sigortalar\u0131nda farkl\u0131 bir seyir izlendi\u011fini s\u00f6yledi.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">K\u00fcresel sigorta ve reas\u00fcrans piyasalar\u0131nda 2026\u2019n\u0131n ilk yar\u0131s\u0131nda kapasite art\u0131\u015f\u0131 ve yo\u011funla\u015fan rekabet, sigorta al\u0131c\u0131lar\u0131 a\u00e7\u0131s\u0131ndan daha avantajl\u0131 fiyatlama ko\u015fullar\u0131n\u0131 beraberinde getirdi. Reas\u00fcrans piyasalar\u0131ndaki kapasite fazlas\u0131 s\u00fcrerken, y\u0131l i\u00e7inde \u015fimdiye kadar piyasa dengelerini de\u011fi\u015ftirecek b\u00fcy\u00fckl\u00fckte katastrofik bir hasar\u0131n ya\u015fanmamas\u0131 da mevcut g\u00f6r\u00fcn\u00fcm\u00fc destekledi.<\/p>\n<p class=\"wp-block-paragraph\">ABD\u2019de faizlerin y\u00fckselmemesi ve daha istikrarl\u0131 bir seyir izlemesi sigorta \u015firketlerinin kapasite i\u015ftah\u0131n\u0131 desteklerken, yat\u0131r\u0131mc\u0131lar\u0131n sekt\u00f6re kapasite sa\u011flamaya devam etmesi de rekabeti g\u00fc\u00e7lendirdi. Olu\u015fan piyasa ko\u015fullar\u0131, \u015firketlerin mevcut sigorta programlar\u0131n\u0131 fiyat\u0131n yan\u0131 s\u0131ra teminat kapsam\u0131, limitler, muafiyetler ve istisnalar a\u00e7\u0131s\u0131ndan yeniden de\u011ferlendirebilecekleri bir ortam yaratt\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cAl\u0131c\u0131lar a\u00e7\u0131s\u0131ndan \u00f6nemli bir f\u0131rsat d\u00f6nemi\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Howden T\u00fcrkiye Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve B\u00f6lge CEO\u2019su At\u0131n\u00e7 Y\u0131lmaz, reas\u00fcrans piyasalar\u0131ndaki kapasite fazlas\u0131n\u0131n 2026 y\u0131l\u0131nda da devam etti\u011fini belirterek \u201cY\u0131l i\u00e7inde \u015fu ana kadar piyasadaki dengeleri de\u011fi\u015ftirecek b\u00fcy\u00fckl\u00fckte katastrofik bir hasar ya\u015fanmad\u0131. ABD\u2019de faizlerin y\u00fckselmemesi ve daha stabil seyretmesi de sigortac\u0131lar\u0131n kapasite i\u015ftah\u0131n\u0131 destekliyor. Bunun yan\u0131nda yat\u0131r\u0131mc\u0131lar\u0131n sekt\u00f6re kapasite sa\u011flamaya devam etmesi rekabeti g\u00fc\u00e7l\u00fc tutuyor\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">B\u00fcy\u00fck \u00f6l\u00e7ekli katastrofik olaylar\u0131n ya\u015fanmamas\u0131 halinde mevcut ko\u015fullar\u0131n devam edebilece\u011fine i\u015faret eden Y\u0131lmaz, \u201c2026\u2019n\u0131n, al\u0131c\u0131lar a\u00e7\u0131s\u0131ndan fiyatlar\u0131n optimize oldu\u011fu ve mevcut sigorta programlar\u0131n\u0131n daha avantajl\u0131 ko\u015fullarla yap\u0131land\u0131r\u0131labildi\u011fi \u00f6nemli bir f\u0131rsat d\u00f6nemi oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyoruz. Artan rekabet, sigortal\u0131lar\u0131n mevcut b\u00fct\u00e7eleri i\u00e7erisinde daha geni\u015f teminat se\u00e7eneklerini de\u011ferlendirebilmesine de olanak sa\u011fl\u0131yor. Daha y\u00fcksek teminat limitleri, ek teminatlar ve farkl\u0131 ihtiya\u00e7lara y\u00f6nelik alternatiflerin eri\u015filebilir hale gelmesi, \u015firketlerin poli\u00e7elerini fiyat\u0131n yan\u0131 s\u0131ra kapsam, limit, muafiyet ve istisnalar a\u00e7\u0131s\u0131ndan yeniden ele alabilmelerine imk\u00e2n tan\u0131yor\u201d a\u00e7\u0131klamalar\u0131nda bulundu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Jeopolitik geli\u015fmeler baz\u0131 bran\u015flarda tabloyu de\u011fi\u015ftiriyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Kapasite fazlas\u0131 bir\u00e7ok bran\u015fta s\u00fcrerken, jeopolitik geli\u015fmelerin do\u011frudan etkiledi\u011fi alanlarda farkl\u0131 bir g\u00f6r\u00fcn\u00fcm ortaya \u00e7\u0131k\u0131yor. Orta Do\u011fu\u2019da devam eden sava\u015f\u0131n etkileri politik \u015fiddet sigortalar\u0131nda piyasa bask\u0131s\u0131n\u0131 art\u0131r\u0131rken nakliyat bran\u015f\u0131ndaki harp sigortalar\u0131 da sava\u015f ko\u015fullar\u0131ndan do\u011frudan etkileniyor.<\/p>\n<p class=\"wp-block-paragraph\">Y\u0131lmaz, \u201cK\u00fcresel piyasada genel olarak g\u00fc\u00e7l\u00fc bir kapasite ortam\u0131ndan s\u00f6z edebiliriz ancak jeopolitik geli\u015fmelerin do\u011frudan etkiledi\u011fi bran\u015flarda tablo farkl\u0131la\u015f\u0131yor. Orta Do\u011fu\u2019daki sava\u015f nedeniyle politik \u015fiddet sigortas\u0131nda piyasa bask\u0131s\u0131n\u0131 daha belirgin \u015fekilde g\u00f6r\u00fcyoruz. Harp sigortas\u0131 da sava\u015f ko\u015fullar\u0131ndan do\u011frudan etkileniyor. Buna kar\u015f\u0131l\u0131k di\u011fer sigorta bran\u015flar\u0131n\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcnde kapasite fazlas\u0131 devam ediyor\u201d ifadelerini kulland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">\u015eirketlerin bu ortamda bran\u015f ve risk bazl\u0131 hareket etmesinin \u00f6nem kazand\u0131\u011f\u0131n\u0131 belirten Y\u0131lmaz, k\u00fcresel kapasitenin sa\u011flad\u0131\u011f\u0131 avantajlardan yararlanabilmek i\u00e7in faaliyet g\u00f6sterilen sekt\u00f6r\u00fcn risklerinin do\u011fru analiz edilmesi ve uygun kapasitenin do\u011fru teminat yap\u0131s\u0131yla bulu\u015fturulmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye pazar\u0131nda yo\u011fun rekabet s\u00fcr\u00fcyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye sigorta pazar\u0131ndaki geli\u015fmeleri de de\u011ferlendiren Y\u0131lmaz, sekt\u00f6r\u00fcn 2026\u2019n\u0131n ilk alt\u0131 ay\u0131nda toplam prim \u00fcretiminde y\u00fczde 29 b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc, hayat d\u0131\u015f\u0131 bran\u015fta ise nominal b\u00fcy\u00fcmenin y\u00fczde 26,2 oldu\u011funu belirtti. Enflasyondan ar\u0131nd\u0131r\u0131ld\u0131\u011f\u0131nda hayat d\u0131\u015f\u0131 bran\u015fta yakla\u015f\u0131k y\u00fczde 5\u2019lik reel daralma ya\u015fand\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Y\u0131lmaz, \u201cT\u00fcrkiye sigorta pazar\u0131 olduk\u00e7a rekabet\u00e7i bir yap\u0131ya sahip. 2026\u2019n\u0131n ilk alt\u0131 ay\u0131nda sekt\u00f6r\u00fcn reel olarak yakla\u015f\u0131k y\u00fczde 5 k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcyoruz. Burada temel belirleyici unsur yo\u011fun rekabet. Kapasitenin g\u00fc\u00e7l\u00fc oldu\u011fu bir ortamda \u015firketlerin fiyatlama konusunda daha rekabet\u00e7i hareket etmesi, sigorta al\u0131c\u0131lar\u0131na mevcut programlar\u0131n\u0131 yeniden de\u011ferlendirebilecekleri \u00f6nemli bir alan a\u00e7\u0131yor\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Fiyat avantaj\u0131n\u0131n teminatlara yans\u0131t\u0131lmas\u0131 \u00f6nem kazan\u0131yor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Howden T\u00fcrkiye, mevcut piyasa ko\u015fullar\u0131n\u0131n \u015firketlere ge\u00e7mi\u015f d\u00f6nemlerde olu\u015fturduklar\u0131 poli\u00e7elerin kapsam\u0131n\u0131, limitlerini ve ek teminatlar\u0131n\u0131 de\u011fi\u015fen faaliyet alanlar\u0131 ve yeni riskler do\u011frultusunda yeniden de\u011ferlendirme imk\u00e2n\u0131 sundu\u011funa dikkat \u00e7ekiyor. Artan kapasite, farkl\u0131 sigorta \u00e7\u00f6z\u00fcmlerine eri\u015fimi de kolayla\u015ft\u0131r\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Bu s\u00fcre\u00e7te yaln\u0131zca daha d\u00fc\u015f\u00fck prime odaklanmak yerine fiyat avantaj\u0131n\u0131n daha g\u00fc\u00e7l\u00fc bir teminat yap\u0131s\u0131 olu\u015fturmak i\u00e7in de\u011ferlendirilmesi gerekti\u011fini belirten Y\u0131lmaz, \u201cTeminat kapsam\u0131, limitler, muafiyetler, istisnalar ve sigorta \u015firketinin hasar \u00f6deme performans\u0131 birlikte de\u011ferlendirildi\u011finde mevcut b\u00fct\u00e7eyle daha g\u00fc\u00e7l\u00fc bir g\u00fcvence yap\u0131s\u0131 olu\u015fturmak m\u00fcmk\u00fcn. Bu nedenle i\u00e7inde bulundu\u011fumuz d\u00f6nemi \u015firketlerin sigorta programlar\u0131n\u0131 yeniden ele almalar\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli bir f\u0131rsat olarak g\u00f6r\u00fcyoruz\u201d diye konu\u015ftu.<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Freasuransta-artan-kapasite-sigorta-alicilarina-yeni-firsatlar-sunuyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Howden T\u00fcrkiye, 2026\u2019n\u0131n ilk yar\u0131s\u0131nda k\u00fcresel sigorta ve reas\u00fcrans piyasalar\u0131nda artan kapasite ve rekabetin al\u0131c\u0131lar lehine ko\u015fullar olu\u015fturdu\u011funa dikkat \u00e7ekti. Howden T\u00fcrkiye Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve B\u00f6lge CEO\u2019su At\u0131n\u00e7 Y\u0131lmaz, b\u00fcy\u00fck \u00f6l\u00e7ekli katastrofik hasar ya\u015fanmamas\u0131 halinde avantajl\u0131 fiyatlama ortam\u0131n\u0131n devam<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-929","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=929"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/929\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}