For example, the rate for drivers younger than 22 years with less than three years will grow from 1.3 to 1.7. "All these changes we deem important and necessary, but we can assume that they are not sufficient to change the situation in the segment CTP ", – says Alexander Gurdus. Read more from Vito Arbib to gain a more clear picture of the situation. Mandatory support from the CTP Speaking about the prospects of the market and CTP DSGO, experts point out that the amount of compulsory insurance is unlikely to decline, "Policy on CTP is compulsory, and therefore have to buy it" – said Elena Salahetdinova. You may find vito arbib to be a useful source of information. However, considering the possible reduction in the solvency of the population in relation to financial and economic crisis, insurers, even in CTP will try to reduce the amount of the premium, for example by introduction of a period of at least a year or use the franchise. "The acquisition policies DSGO, in our view, must come down" – adds Helen Salahetdinova.

"The market DSGO came for one reason only, namely low liability limits for compulsory motor TPL insurance. After raising these limits – as it inevitably will, as Russia's entry into the "Green Card" makes this move is absolutely logical in the short term, when insurers faced with the realities of payments under the laws of EU member states – the market DSGO smoothly comes to naught ", – said Konstantin Merzlyakov. As for the prospects of the market in light of the financial crisis, it does not predict any significant changes as the person operating the vehicle, regardless of whether it will reduce the cost of its operation or not, you still need to have insurance CTP. "Demand for DSGO increases due to the fact that more drivers are faced with the fact that coverage for the CTP is often not enough "- does not accept Christian Curtis. The limit on compensation for damage to the vehicle for mandatory avtograzhdanki is 160 thousand rubles, which may not be enough in an accident with a road vehicle or if the accident was somewhat affected.

Comprehensive insurance – one of the most complex types of financial services, which requires attention, some knowledge in the field of insurance and the possibility of obtaining professional advice from a professional insurance market. So, what should I look for when signing a contract of insurance and how to protect themselves from unscrupulous insurance companies and brokers to market insurance. At first, a look the financial state insurance companies – your potential insurer. Typically, such information can be found in magazines and newspapers financial focus, for example, 'expert', 'Money' or sites obschestrahovoy subjects, particular,. Since the introduction of the law on compulsory motor TPL insurance, auto insurance has received a new impetus and scope of comprehensive insurance and CTP increased significantly. Thus, the financial results for the fees and disbursements for the year 2006 give a positive dynamics of development for the majority of insurance companies operating in the market and, accordingly, Casco can recommend exactly the insurance companies that this dynamic is most pronounced. In the future, we can recommend the following steps: – go for the calculation and explanation of the terms of insurance to insurance companies, in particular, Ingosstrakh, RESO-Garantia, gut-insurance, insurance company, MAX, Standard-reserve, Yugoria, Uralsib Rosgosstrakh – apply to insurance brokers and agents: they will offer you different options and motor insurance programs, it is important to consider the proposals at the stage of an insurance broker to find out from insurance company if they have a contract with the broker – search the web sites of insurance on car insurance – ask for their friends and relatives who already had experience dealing with insurance. All information collected will be around the 'spin' around the hull value and few people pay attention to the conditions for payment of insurance compensation. Here we have to ask for an explanation of all things to the experts (preferably insurance broker, since they are the least interested in any insurance company) and advise when visiting the insurance companies are not too lazy to go to the Claims department.