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Clients have ahead of schedule withdrawn the means from the companies. Many legal bodies

Also have ahead of schedule interrupted insurance contracts.

Devaluation was especially negatively reflected in the companies which have incurred

Obligations on payments insurance it in currency in the rouble

Equivalent. As a result of sharp growth of a dollar exchange rate of the obligation of these

The companies in rouble calculation have increased several times. The basic losses

Insurers are connected with sharp falling of purchasing capacity of the cores

Categories of clients among legal and physical persons.

Within the next months the economic environment will be characterised

Rather high rate of inflation and a dollar exchange rate, absence of the reliable

Financial tools with rather high profitableness and

General availability. In these conditions it is possible to predict bankruptcy or

The termination of activity as a result of licence withdrawal of a considerable part

The insurance companies.


2.1. Insurance kinds

According to the Russian methodology insurance is subdivided on Following categories:

* Voluntary personal insurance;

* Voluntary insurance of property;

* Voluntary insurance of responsibility;

* Reinsurance;

* Obligatory insurance.

The analysis of structure of the cumulative award in 1992-1997it. Allows to reveal

The extremely non-uniform development of separate kinds of insurance (schedule 1 see).

First of all, it is necessary to note considerable growth and stabilisation in the last

Time of a share of obligatory insurance at level of 40 %. In the period beginning it is great

Share of insurance of responsibility, mainly, it popularity

Credit insurance which because of unprofitableness was considerably reduced in

Last years.

Schedule 2.1. Changes in structure of the cumulative award

3 sq. 1992

1 sq. 1993

3 sq. 1993

1 sq. 1994

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