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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
% 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
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
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
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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