The more accidents, more expensive OSAGO

For all of 2010 on the insurance market of the country appeared a total of five new companies - said the Russian Insurance Forum head of the Federal Service for Insurance Supervision (FSIS), Alexander Koval. In his view, the number of intermediaries in this sector will outpace the number of insurers themselves. Today, the country's 618 registered insurance companies. Last year, market participants were withdrawn 113 licenses. In this regard, Alexander Koval said reducing the quality of the assets of insurers and their financial instability and lack of growth of confidence among the population to protect their risks. As the trend in the coming year, an official named: the inevitable rise in price of compulsory civil liability motor, increased competition and dumping. Against this background, the decision of the president, instead of FSIS will set up a special agency, the so-called "mega", which will carry out other insurance policies. The main reason for price rise OSAGO one of the leaders Rosgosstrakh Dmitry Makarov sees that in recent years in Russia have not reduced the number of road accidents. As an example, the expert brought to France, where over the past 20 years the number of accidents (and thus payments) decreased by 10 times. Makarov said that the country's insurance market does not need state aid, is far more important - creating a favorable legal environment. Singular point of view on the situation in this segment expressed CEO «Munich Re» Peter Mueller, believing that Russia is no alternative to the development of a powerful insurance industry. However, there are several factors that prevent achievement of this goal: reducing the population growth of high energy prices, lack of middle-class, capital outflows, the bureaucracy, etc. In addition, people almost never interested in financial protection. It is significant that after the summer fires in 2010, compensation for victims paid for by taxpayers, not insurers. It turns out that people rely on state aid and is not interested in voluntarily insure their property. Meanwhile, many Forum participants recognized that the domestic insurance market is unprofitable. Solve the problem can only be due to the real cost optimization, introducing the institution of insurance stories and universal application of the franchise. Until you clean up the insurance, "the regulator is sufficient reason to clean up the market to its foundations", - concluded the CEO of an insurance group "Genesis" Victor Yong.