Housing will insure forcibly

In Russia, may be compulsory home insurance against fire, in any case, the views is information that the government is working to prepare amendments to the legislation. Experts believe that there is a chance to make a massive voluntary insurance of apartments and houses, and today's efforts - this is just the first step in this direction. The fact that Russia could return to compulsory insurance of residential fires, President Dmitry Medvedev recently at a meeting on the financial sustainability of agriculture. "Now I'm waiting for proposals to change existing law regarding a possible return to the construction of compulsory insurance against fire," - he said, recalling that of compulsory insurance of property against fire had to be abandoned because it was "believed to be not quite in the nature of insurance as a voluntary commitment. " Dmitry Medvedev believes that the insurance housing in rural areas should be massive. "It turns out that some pretend to insure, and others - that pays compensation in case of force majeure," Recall that the criticism of the current system of insurance was made president in late August at a meeting on the development of insurance market in Russia. Insurance should not replace state aid, and called it, while the government to eliminate the impact of fires this summer has provided billions of rubles. At the end of summer fires was that of the burnt houses were insured for only 15% (for the whole country covered by insurance, only 10% of real estate). Reports portal Finam. Total, according to Ministry of Regional Development, as a result of summer fires without shelter were almost 2.5 thousand families. As a positive example, Dmitry Medvedev cited the mandatory car insurance. The government has already worked out the question of insurance liability of owners of premises, including residential, recently told aide Arkady Dvorkovich. Insurance companies offer to compensate an additional burden on citizens by lowering taxes, he said. General Director of Rosgosstrakh Danil Khachaturov said that one option is to lgotirovanie tariffs. "Culture is instilled insurance mandatory types of insurance," but as long as the extension of compulsory insurance of the question, assures Dvorkovich. "All the countries of the world depending on the degree of development of its civilization and have gone through this stage - the stage of compulsory insurance, and nothing terrible and awful in it, - says CEO of consulting VIEW" Bureau of Information Support of investments "Victor Shcherbakov. - No, but if that had paid their money for their citizens receive adequate services, and not just "help" insurers or the state. Because today there is no clear-cut information that it offers the power, then u cry "Help!" Until too early. " Rich uninsurable summer of 2010 will lead to legislative changes in the insurance segment of real estate, I'm sure the director of the Nizhny Novgorod branch of LLC "Rosgosstrakh" Sergei Kotov. "While I was ill see how it will all be worked through, because we know that we already had a law on compulsory insurance, but only the residential buildings. That is, the apartment had not been involved in this, because it is believed that the apartment less flammable, and individual homes more at risk than an apartment. That is true "- he said. Recall that Russia has no experience and practice of insurance on a reciprocal basis, as the Soviet experience was like all the rest far from the criteria and principles for global practice. Then subject to compulsory insurance, only 30% of the cost of housing, the rest had to insure voluntarily, according to the portal. Apart from the compulsory insurance of buildings, there are other tools for engaging citizens in greater insurance of their homes, I'm sure Kotov. For example, the discussion on co-financing of voluntary insurance of housing, where 50% of the premium paid by the citizen and the state pays extra 50% of insurance companies. "There is another option that worked out, that money has been spent on compensation, to give the insurance companies so that they then be held accountable more" - he added in an interview with Finam. Roux. The representative of the insurer in this case not answer the question, what would be the insurance tariff in case of compulsory insurance of buildings, noting that it will be less effective now in the insurance companies. During the period of compulsory insurance of the insured property in the country was paying 5 cents from the $ 100 cost of the building. The current rate of the same "Rosgosstrakh" ranges from 0.4% to 0.9% of the cost of housing, and this is another money. "We should also remember that even today the existing insurance - this is, by and large, a fiction, - says the representative of the Moscow newspaper LOOK insurance company Ilya Reshetnikov. - In insurance are a cost housing, for example, and interior furnishings and other property and real market prices - are quite different. It turns out that some pretend to insure, and others - that pays compensation in the event of force majeure. And that's not counting the fact that the procedure for obtaining this insurance money - this is hell, multiplied by the mess. " "Certainly, at the state level must be found which is valid for all solution to the problem - the director of construction company in Moscow, Andrei Fedortsev. - This will release the efforts of the authorities, will give a parish in the state treasury and provide owners protection. "