The market

Vitallium Of (“[Ingosstrakh]”): Exactly with an accuracy to vice versa: the companies, which on the dynamically developing market could for an increase in their portion and pay losses due to a constant inflow of new clients, had to leave from the market. Julia [Shvets]: Pyramids in the sphere of insurance are hardly possible, if only in the form very small insurance companies. But the last tendencies in the insurance testify about coarsening of companies, their association into the alliances and other forms of coarsening (confluence, absorption the like). Helen (“broker 24”): Company- pyramids now exist, there is even “black list” of insurance companies. The consequences of crisis cannot be thus far counted, but almost all companies already displace their interests to the side of the insurance of property and other more without loss classes of insurance. Why your “auto-” HELMET In contrast to [OSAGO], HELMET - this is the required, but voluntary insurance of automobile. In this case the purchase of the policy OF HELMETS is the necessary condition of the acquisition of automobile on credit. The policy OF HELMETS is frequently called “complex”: it includes insurance against three main misfortunes of motorist - theft, fire and damage (i.e., from the emergencies, Vandals, criminals and drops in the icicles).

Everything is simple with the risks of theft and fire. Machines, as a rule, burn completely, yes even with the theft owner remains without his automobile. In these cases for the machine is paid out “the compensation”. True, there is one nuance: with “the loss” of automobile to its owner compensates not total cost. Insurers read from it the amortization, which in the first year can reach 20 percent of the commodity cost of machine.