Analysis of the landing page of the site Ukrainian fire insurance company (UPSK) (ID:1105211)

The need for disclosure of information by insurers to make effective financial decisions by financial decisions by policyholders, is determined by the essence of modern economic processes: insurers seek to reduce the risk of asymmetry of information in order to choose the right insurance company in accordance with their needs the right insurance company in accordance with their needs. Information asymmetry arises as a result of agency relations, because different groups of clients may have either only public or also private or private information. Asymmetry of information gives rise to two significant risks: the risk of adverse selection and moral hazard. The first risk is related to the fact that that clients of insurance companies in the absence of information may choose a company that is not optimal for company that is not optimal for their needs. The second risk is characterized by the fact that the accumulated contributions may not be used in the best way for clients (i.e., in full or in part not in their interests). One of the most important and effective ways to reduce the risk of information asymmetry is to provide necessary information to stakeholders. A number of studies of studies indicate that reducing the asymmetry of (through the disclosure of relevant information) contributes to increased liquidity, demand and lower the price of capital. In addition, companies with a higher level of information disclosure have a higher capitalization, the share of investment investors and a smaller spread between the purchase and sale of shares and the company [1, p. 90-91]. In Ukraine, the development of Internet insurance is at an early stage. While in Europe, online insurance accounts for about 14% of the total insurance premiums, while in the UK it accounts for more than 20% of the accumulated insurance premiums. At the same time, in the total volume of insurance policies sold in Ukraine, this channel still accounts for less than 1%. This is primarily due to the low share of insurers providing services via the Internet. In Ukraine, most insurance companies not only do not think about online sales, but also do not have their own websites. Insurers do not consider it necessary to spend money on creating online stores and maintaining websites because they have an extensive customer network throughout Ukraine. Less than half of insurance companies less than half of insurance companies have their own websites, and this is despite the fact that insurance is a very profitable business, and the creation of the website itself costs an average of $100-2000. But the positive fact is that most leading insurance companies have already started to improve of on-line sales, namely: ASKA, Oranta, VESCO, Vega, “Universalna and others.