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About their preferences in the field of obligatory insurance (tab. 2.1 see.).

Obviously prevailing opinion on necessity of obligatory insurance Responsibility of owners of vehicles, probably, reflects, Real interests of insurers.

Table 2.1. Possible kinds of obligatory insurance in Russia

The answer

% To number of the interrogated


Insurance of responsibility of owners of vehicles



Insurance of the damage put by harmful or dangerous manufacture



Insurance of professional responsibility



Ecological insurance



Habitation insurance


Source: the Insurance market of Russia. It, 1998. Business the directory the Expert-ra.

Necessity of obligatory insurance from the point of view of maintenance

Social protection of separate categories of insurers it is conclusive. However

Use of mechanisms of the obligatory insurance which frequently does not have

Market stimulus, interferes with expansion of activity of participants insurance

Relations. In this case insurance turns to a control device for The certain segment of the market fixed to the insurer in the obligatory Order.

It is necessary to underline that at the transition initial stages to the market,

Especially in an economic crisis which is worried now by Russia, Relative density of obligatory insurance is high enough. Stimulus to

To insurance during this period at the majority of potential insurers obviously

Are insufficient, and consequently many kinds of activity should be insured in

Obligatory order. At the same time, in restoration economic

Growth, creations of conditions of stable economic development with reliable and

Transparent legal base, tax system expediently restriction Kinds and as a whole decrease in a role of obligatory insurance in advantage The voluntary.

2.3. Priorities of development of voluntary insurance

One of priorities of development of insurance business is creation The mechanism of reliable insurance protection of large economic objects National value. System of compensation and indemnification of a damage from Failures, elements, fires should have three-level structure in dependence From the sizes of a damage.

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