التأمين ضد الحرائق وما أهميته وأنواعه بمصر - منتدى المراجع المصرى/المحاسب القانونى محمد صفوت
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التأمين

رانيا فزاع - حسام الشقويرى
قد لا يلتفت الكثيرون للتأمين ضد الحرائق رغم أهميته ، وحماية المتضررين من الحرائق من الأخطار المتوقعة بعد حدوثها.
وفقا لدراسة بعنوان "التأمين ضد الحريق وآفاق تطويره " بدأ ظهور التأمين ضد الحريق فى بريطانيا ، وأواسط أوروبا خلال القرنين السادس عشر والسابع عشر بظهور أصحاب الحرف وتكوين جمعيات خاصة بهم ، حيث اقتصر تأمين الحريق في تلك المرحلة على مساعدة صاحب الحرفة الذى يريد حماية ممتلكاته للحريق عن ما يصبيها من اضرار.
وفى أعقاب الثورة الصناعية وظهور الاختراعات الجديدة وتحول الصناعة من يدوية إلى آلية ، وحاجتها للحماية من جميع الأضرار بما فيها خطر الحريق ، انتشرت شركات تأمين مساهمة لها قدرة أكبر من سابقتها ، ثم تلى ذلك تكوين غرفة مؤمنى الحريق فى عام 1868 م ،وهى هيئة فنية تنظيمية تأخذ على عاتقها نشر أساليب و طرق الحديثة للوقاية من آثار الحريق .
التأمين ضد الحريق فى مصر له أكثر من شكل فى الوثائق الصادرة عن الشركات وهى وفقا لحمدى عبد المولى وسيط تأمين كالتالى "ثلاث وثائق للتأمين ضد خطر الحريق الأولى ، وهى وثيقة الحريق العامة ويتم إصدارها لجميع الممتلكات سواء مصنع أو منزل أو محل تجارى أو مكتب ، وتغطى التلفيات الناجمة عن آثار الحريق ، وثانى هذه الوثائق وثيقة حرائق وأخطار إضافية والثالثة التى تتضمن خطر الحريق هى وثيقة حماية الأسرة ".
وأشار عبد المولى فى تصريحات صحفية سابقة لليوم السابع إلى أن الأسباب الرئيسية وراء ارتفاع نسبة الخسائر بقطاع تأمينات الحريق والتى وصلت 187 % ترجع فى المقام الأول إلى تدنى الأسعار والذى يشكل كارثة حقيقة على القطاع ، وينتج عنه أولا حدوث أضرار مادية كبيرة لشركة التأمين ، فى حالة وجود تعويض ويصل فى بعض الشركات من 25 فى المائة إلى 50 فى المائة من السعر الطبيعى للاكتتاب فى الخطر ويعود على باقى الشركات بالضرر ويلجأ العملاء لهذه الشركات التى تضطر إلى النزول بالسعر بغرض التواجد فى المنافسة ويؤثر ذلك أيضا على معيدى التأمين ويجعلهم ينظرون للسوق المصرى بنظرة سلبية ، بسبب أن الاكتتاب غير سليم والتعويضات فوق الحد الطبيعى ولهذا يتحكم فى السوق معيد تأمين وأحد بعد انسحاب باقى المعيدين.
ولفت عبد المولى إلى أن تغاضى بعض شركات التأمين عن عدم اتخاذ الخطوات السليمة من جانب بعض شركات لتأمين فى المعاينات التى تتم عند إصدار وثيقة التأمين والتغاضى عن السياسات التى من المفترض أن تكون موجودة بشكل أساسى داخل المصنع مثل وجود وسائل الأمان وأنها ليست معطلة بالإضافة إلى تعامل بعض شركات التأمين مع معيدى تامين دون المستوى ، وهو ما يؤدى بشكل مباشر لتأخير صرف التعويضات للعملاء ويؤدى إلى انطباع سىء عن شركات التأمين لدى العملاء.

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