This year, just two major players of the market realtor said about news relating to insurance. Earlier this year, "MIAN" together with the insurance company (IC) "ROSNO" has launched a program of insurance of all transactions in the secondary market of Moscow. In May and June, the program branches connected "MIAN" in Kazan, Voronezh, Ufa, Chelyabinsk, Tver. And in June on a similar program (also in conjunction with "ROSNO") today announced the company "NDV-estate" - the insurance cover applies to all purchased with the help of an apartment, not only on the secondary market, but also in new buildings. What is the cause of sudden interest in real estate to insurance, that will come out of this - with such issues were dealt with magazine columnist Metrinfo. Little or a lot? Actually, the question should not put the "why real estate companies interested in insurance?" And "why they did so late?". Title insurance (ie protection is not physical, such as fire or flooding, and legal risks) - widespread throughout the world measure. Participation on the acquisition of real estate insurance agent in the West is as natural as a realtor or lawyer. And we? According to that shared with us a press service agency "MIAN" in 2009 in Moscow service title insurance through real estate agencies have used less than 1% of home buyers. In absolute terms - no more than 150-200 policyholders. Among the reasons for this state of affairs is traditionally called the mentality of people - our people, they say, did not trust the SC, do not understand why they should pay the money "for nothing." "Try," and then do insurers: visited recently, one of the forums on the Internet, this author found a lot of interesting stories on the theme "Insurance should pay, but does not do it." From that, with some enthusiasm and imagination, some insurers are dismissive of their customers is simply breathtaking. But we live in an era when such information differs extremely easy - using the same internet, but there are other reasons. Title insurance in the same United States - first, perpetual (ie, the property owner will pay one time and receives a lifetime protection), and secondly, with no limit on the amount of - Insurance will pay as much as necessary for the acquisition of property in the current prices. As for us in the Civil Code is Art. 942 "Essential Terms of the contract of insurance", where the number of binding are called "sum insured" and "term of the contract." In other words, even if some of the insurers and would want to work according to accepted rules of the world, we have him this would not allow the laws. And, finally, price. In the U.S. it is 0.4% (as we know, once and for all life). We have, according to the press service of the "MIAN", 0.7-1.5% for the period from 1 to 3 years. If our people wish to be under the constant protection (as in the U.S. "title"), he will have to pay this amount every 1-3 years - the final cost will be higher than ten times the American Marketing course And yet, despite all the problems described above, "MIAN" and "NDV" entered the market with title suggestions - and this fact can not command respect. The question remains - why? Give the floor by the companies. "We see this program solely as a marketing campaign, which will provide additional assurance to our customers, thereby increasing our reputation capital", - said Alexander Khrustalev, CEO of "NDV-estate." "Since the company is a fundamental principle of customer focus, - the press service of the" MIAN ". - With the client is an official contract, all accounts are transparent and clear to the buyer and seller. All items are censored by a "legal purity." And the program title insurance is a confirmation of the high quality of services and guarantee the financial and legal support to clients after the completion of the transaction, in case of problems. " Admittedly, it is best able to analyze any proposals competitors - they certainly will notice all the discrepancies, pay attention to all the pitfalls. We therefore turned to other real estate companies with a request to say what they think of insurance innovations "MIAN" and "NDV." Answer could even be anonymous. "The two companies aim to increase called its market share, - told us a representative of a large agency. - They see a clear public demand for title insurance, and so they want to use this argument when choosing a real estate client. " Essentially, this is the same as talking about yourself, "MIAN" and "NDV." However, one of the commentators said that this does not exclude the "money laundering". But - because it was said half a word about how this process will take place here - really relate to these words, we will not. We restrict ourselves to the well-known remark in Moliere's "Tartuffe" - "it says disgruntled" Free. Really free cornerstone initiatives - free of charge to the customer. "The commission for our services has not increased. We pay for the policy to its customers, - said Alexander crystal ("NDV-Property"). - This program is due to an increase in demand and increase confidence in us by consumers, allows us to reduce advertising costs. " 'The program title insurance has not affected the cost of services "MIAN" - say in the company's press service. - The client does not pay for additional insurance guarantees. " Also in the "MIAN" noted that the policies "ROSNO" accrue to them at a lower price - the insurer offers a discount, "a wholesale buyer." Also, of course, profitable innovation and Bcc: buyers of apartments become "habit" to insure, and after three years they have, God willing, will come again and insure. Already in commercial rates and for cash. More may be added that, attracting customers one type of insurance (in this case - the "title"), insurers generally remind yourself and can look forward to increased sales of its other products. In this sense, the Russian housing market is a completely "nepahanoe field." "Even on the physical risks are insured with us today, just a flat 20", - stressed Alexander Maltsev, CEO «Century 21 West." The potential for growth here get huge. And you? Other participants realtor market, they say, are not going to run at anything like this myself. "We certainly have the opportunity to insure title and provide the client with the most favorable terms, because insurers know our capabilities for the examination of legal documents are ready to offer preferential terms, - says Alexey Shlenov, CEO," Miel Brokerage. " - In the pool of our proposals and have this service. But we offer it to our customers, and do not impose: the purchaser should always have a choice. " "We're not going to use the title insurance as an additional service - said Olga Guseva, head of marketing management company" Domostroitel. " - If the buyer sees fit, he may appeal to the SC itself. We are selling apartments in the contract to build equity - and this is quite a serious guarantee of the rights of consumers. " We can add that "no" in such matters is not always to be taken literally. Maybe some companies are already negotiating with insurers relevant, but - until an agreement is not reached - do not consider it necessary to bring them to light. And it is not impossible that we will soon find out that another "whale" real estate business has launched its insurance program. Summary Treatment of major real estate companies to issue insurance, "title" evokes mixed feelings. On the one hand, it is indisputable step forward toward civilized market. And yet, if you look, no one is not binding: the service is free, but you do not like the policy - well, you'll throw it! On the other - there are some disturbing moments. First of all, well, does it not, "title" - with a term of three years, then ... Secondly, there is a historical experience. In the early 2000s, a number of Moscow once large companies have introduced programs of their own "warranty certificate" - how many press releases sent to journalists then, and do not count. But then these programs has quietly closed down: the obligations to be tricky ... You can certainly say that this was a situation where Boots was taken cobbler stitch, and now for the insurance is taken by those who owe them and engaged, ie, an insurance company. But concerns still remain: who are just no recourse for the past 20 years, our real estate market, waving his arms and declaring that it will set new rules ... And where are all these "reformers"? But in general, wait and see
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