According to many experts predicted the most rapidly in the coming years will increase insurance and life insurance - by 20-25% per year. Just enter your zip code and get free
car insurance quotes and compare rates from multiple auto insurance providers online.
And this is understandable, because in a virtual absence of state guarantees of a decent old age people have no choice but to resort to the services of private pension funds and to the cumulative long-term life insurance. The growth in demand for insurance due to the steady growth of the fleet, which occupy a large proportion of expensive cars.
The growth is guaranteed
According to various estimates the market will increase motor speed by 25% annually. Some insurers are called and more optimistic figures - 30-32%. But this is only possible in the case of a very favorable development of the economic situation in Russia.
So far, only Moscow's fleet consists of more than three million vehicles a year, it increased by 200 thousand vehicles. However, the actual presence of cars in the capital is difficult to calculate, because Moscow's roads is the mass of cars from the Moscow region and other areas, that is, of course, does not make the situation on the road easier. So, from the condition that the fleet will grow, as well as the welfare of the citizens, it becomes clear that the insurance will also receive a new impetus for development. Because of the widespread idea that "a car not a luxury but a means of movement" for the vast majority of drivers their "steel horses" are of great value. And the cost, they sometimes can be several hundred thousand dollars.
Another reason, which stimulates an increase in the demand for insurance - the increase of car, a prerequisite of which is drawing up the policy of theft and damage.
Now we will try to analyze what it would to the end user.
Attention, attention!
Today, the cost of car insurance is quite substantial: the price policy, ranging from 4 to 20% and an average of about 10% of that in terms of "live" money is not such a small sum. But still the problem of choosing an insurance organization. But there is also
cheap car insurance
"In my opinion, this issue, to varying degrees, will be valid always, but particularly strongly in the next 3-5 years - said the Director-General SG" Mezhregiongarant Eugene Potapov - Choose a reliable insurer is not so easy, because the market is constantly present unreliable companies actively dumping on the market. " This should add that over the past year because of such a tariff policy on the voluntary motor insurance went bankrupt a few insurers. Customers of these unscrupulous companies have, as they say, have "broken trough".
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To compare between the tariffs on the voluntary insurance of different insurance companies, at first glance, it is very simple. I took the phone and call me in the offices of the insurers, asking the same question - how much does it cost to insure a car brand X model Y of theft and damage. The responses can be put into a table XYZ, where Z - the cost of insurance. But the fare - it is only the visible part of the iceberg.
Now you have to look in the rules of the insurance wording of each insurance company an insurance reimbursement terms and conditions of access to insurance. Here's what it turns out that such a loss is not covered, there are limits on the number of eligible drivers, various enhancements and many other factors, although the core rate was initially below average rate.
Food Honor
Gradually, the situation in the market for voluntary motor insurance is in such a way that the tariff policy, insurers become more uniform. Do all companies have gradatsionnye tables that share all the machines into several groups depending on the brand, capacity, age and ugonyaemosti car. For each group, the minimum basic rates, which are used to calculate the value of the policy.
Differences in rates, of course, remain. It's like a restaurant - like a dish the same but taste different. All depends on the kitchen and cook. " The same is true with insurers. So to attract customers, they are developing and actively develop various okolostrahovye services.
"Every year, increasing competition in the insurance market, forcing insurers to fight for the customer to search for new forms of work, - said Head of Car Insurance Group AlfaStrahovanie" Galyna ions. - Radically changed and the needs of the policyholder. Along with the purchase of an insurance policy, giving confidence, the client wants to meet their needs. "
As a result, in the last few years have changed the form of customer service and a set of services, which are mainly aimed at saving time-insured.
"In addition to perfect the implementation of financial obligations - marks Head of Marketing Department, a comprehensive insurance OSAO Ingosstrakh Igor Alexandrov - we do everything to care for the time of our clients. The whole package of additional services can save one of the fundamental values of the middle class - personal time . This is achieved, for example, by reducing the process of securing the necessary documents for the accident. The injured client simply calls the office, spoke about the problem and selects the nearest service station, where, and goes after that phone conversation. All Paper, he would fill in the STOA, where he will wait for the agent the insurer.
At this time, many insurers got round-the-clock call service, its own commissioners and provide emergency evacuation services. Actively developing services related to the settlement of problems and issues that typically arise from the insured when an accident. "The concern is that insurers, by agreement with the client can take care of collecting the necessary documents, such as gathering information for the traffic police, etc.", - said General Director of SC "MRSS" Semen Ackerman.
VIP or VIP
Many insurers are actively promoting the program VIP-Service. But as a rule, under the name throws hides the standard set of services. No exclusive services, traditional for this level in such programs is not included. Meanwhile, leaders of voluntary motor insurance market such as Ingosstrakh, ROSNO, RESO-Garantia "," Kapital Insurance ", etc., offer a truly VIP-products.
Here is a typical example of such a program. When the driver got in an accident, he must make only one call - manager of the company. After a while it will come the taxi in which he was free for a few hours be able to move around the city. The arrangement of all the documents, the evacuation of the car in car, etc. decides to "special people" the insurer. The client will have to wait a while until he called from the insurance company and not be told that the car repaired and it could deliver him at any convenient time. And all of these services are included in the cost of insurance.
Also, in addition to problems with the accident, the insurers are developing "technical" direction. Of a breakdown or malfunction of the car VIP-clients are not afraid. He, again, just call the office of the insurer and said his place of residence. After some time it will come the technical service and help to solve the problem. Insurer also will not have to additionally pay for these services. This is the VIP-service.
