Insurance Plan Ideas

State Duma and the Federation Council have amended the law on compulsory motor TPL insurance, insurers are now in the payment of insurance will be entitled to take into account the degree of deterioration of the affected parts.

20 percent of the parts - only to such compensation from the insurance company can expect the owner of a used car, the victim of the accident. According to the adopted by the State Duma and the Federation Council of amendments to the law on insurance, the insurers are entitled to take into account when calculating the amount payable wear affected components. This wear, however, can not exceed 80 percent of the cost of new parts.

"Insurers in the past have tried to thus reduce the size of payments for insurance, but after the decision of the Arbitration Court, who stood on the side of the car owners to do this was not easy," - recalls vice-president of the Movement of Russian Motorists Leonid Olshansky. The Russian Union of Insurers, in turn, believe that the law will not allow motorists to make a CTP as a scratch on the wing completely rusty "Lada" the owner asked him to pay for the purchase of new parts painting. "In 99.9 percent of cases before the courts agreed with the position of the insurance companies on accounting depreciation in the calculation of payments, except there were only isolated cases," - says spokesman Igor Vasiukov SAR.

The new procedure for calculating damages should now determine the government. Do it will not be easy. What if an accident shortly before the owner of the car has changed the worn out doors to new? All these arguments, as before, will be resolved in court, convinced Olshansky. According to statistics, PCA, in 2014 Russia had sold insurance policies by 85.8 billion rubles and paid to victims in the accident - only 45.9 billion. With the adoption of the law will reduce payments to insurers even more. 

For example, a new door to the popular Ford Focus is now worth 21 thousand 770 rubles and it is possible that the insurer would prefer to pay the owner of the car just 4 thousand 350 rubles. By the company's service with the amount even to approach uncomfortable - save perhaps that there are craftsmen in the nearby garage.

This year, the legislative and judicial authorities have finally put an end to disputes that are intended to compensate the insurers for insurance: the cost of repairing the vehicle , "innocent victim" in an accident, or the residual value of the damaged parts with regard to their wear and tear?

Presidium of the Supreme Arbitration Court of the Russian Federation explained (to dull judges and motorists requiring insurance companies full reparation for harm) that the size of the victim's recovery costs should be determined on the basis of the cost of bringing the damaged car in the operation, given the wear. 

Actually, all the controversy arose around this latest addition of wear. Earlier this interpretation formally contrary to the law of insurance and the Civil Code. But the law is corrected, and the conflict with the Civil Code has eliminated its explanation of the Presidium: now the account of wear and tear should be considered a "special rule in relation to the general rules of the Civil Code for damages." All legal and logical. Case closed.

But the trouble: the logic is different. Insurers have one - on what grounds the owner battered car in an accident victim must at their own expense to update the old parts? No, let pays out of pocket! Car owners have another line of thought - I was not going to change anything in your car, I really liked the shabby, with traces of rust, rear wing, which had entered into. So why do I suddenly have to shell out when responsibility "who has entered" was insured? No, let the insurer will pay for all, or - if you will - to put the wing with the same share of wear and tear ...

Both approaches have their place. The question is on whose side the law and authority. Recently, they took the side of the insurance business. However, and for the benefit of motorists it made several clarifications. For example, given that the wear may not exceed 80% (and thanks for that, though 20% of the parts may be claimed from the insurer). It was also noted that the insurer shall indemnify the replacement elements completely eliminates damage. That is, if the proverbial wing was attached in any kind of one-off rivets or bracket, you need to replace them as well. Also, do not wear should be considered components and assemblies, a fault which prohibits the operation of the vehicle. The exact list of them yet, but here is theoretically possible to carry quite a wide range of parts from the braking and steering systems to the lighting equipment .

All points above the i, seemingly apart, but disputes over insurance continues. The fact that there is still no single methodology for calculating the wear and tear of vehicles - it must be developed by the government. It thinks about it, but so far has not responded to all the questions. And that has already established, it is quite contentious. For example, one of the main factors influencing the timing of depreciation, it is proposed to consider the country of origin of the car. The most durable recognized as "Japanese", followed by "Europeans." And all the cars produced in Russia - including the "Ford" and "Toyota" - set to last place.Where is the justice, not to mention patriotism?

However, concern about the national insurance business - is also patriotism. And I must say it, we have achieved good results. The paradox, but in times of crisis insurance was the main "growth point" of the insurance market. According to statistics market insurance grew in the first quarter of 2015 by 13.5% compared to the same period last year (18,8 billion). This was the highest rate of growth in almost two years.

What had caused this growth? Motor Insurers surveyed recently RIA "Novosti", give different answers. Some argue that it resumed growth in sales of new cars, of course, be insured. But if it was only this, it would grow and the market hull. He sank, as well as other types of property insurance. So, it is not in sales. Obviously, a more detailed answer is given by representatives of "Ingosstrakh" and "Rosgosstrakh": they believe that the real reason for the growth of insurance market was the new multiplying factors to tariffs, which were introduced in March last year. 

It was then raised territorial surcharges, interest on age and length of service, as well as allowance for the conclusion of the contract, without limiting the number of persons admitted to management. Accordingly, these developments have led to a gradual increase in fees the insurers, which was reflected in the statistics by the middle of the year. Indeed, if in the first quarter of 2014 insurance market fell by 3.1% already in the first half rose by 1.7% in the first three quarters - by 5.4% and for the year - 6, 6%. The first quarter of this year was the peak, since it is compared with the last period before raising rates.

Needless to say, the markets are "mandatory services" stimulate not hard enough to oblige citizens to pay more. However, in the future - and it is recognized by insurers - the growth of insurance premiums has slowed down in 2015, it amounted to 5% - 7%. This means that the effect of last year's increase in tariffs is completed, and the Russian insurance market may lose the main point of growth. Now all hope that will start a real recovery: without it, the main types of property insurance will not grow. However, it is possible that the government experiments with the procedure for calculating depreciation of cars again stimulate growth in the sector of car insurance - car owners will be less rely on compensation for insurance and will actively enter into contracts Hull.

Day today suggests that stand on a par with major employers and proudly call myself a businessman just incredibly difficult. All areas of profitable operations have long been captured. Need to invest is not small money, get insanely huge number of different kinds of certificates, to issue mandatory for the selected type of activity documentation. In the next step: the selection of professional staff, search and registration office space. And even if all this and be able to properly do, it remains perhaps the most important point to develop your business can not everyone.

Today is guaranteed to have a successful business is extremely difficult, the slightest omission or neglect of some trifles and the risk of losing nearly that well-functioning business grows exponentially. Is it possible to find the optimal solution for creating your own business on the criterion of "guaranteed reliability - lowest costs on - the maximum profit"? Current opinion: - This is fantastic! It just can not be, as there can be no such business - criterion.

Do not forget we live in Stunning World, the smart, enterprising and highly talented people and the fact that for many seems fantastic, we often - everyday reality.

So this time, it offers even more simple, however, advanced, cost-effective and highly relevant idea of ​​creating your own full and profitable business to create its own as an "insurance company".

Well, that's somehow become attached to the soul Sergey large and small outlets gastronomic orientation. And one day, replenishing goods in one of its profitable stores of five baskets, he became a witness impartial communication between the buyer and the furious the store owner. Buyer required to return the money for a loaf of sausage, which he brought from home after shopping in this store. From his point of view, the product was defective. From an administrator's perspective - everything was in order.

When the dust settled, Sergei talked with sellers, and then the administrator and found that for certain types of food such cases is quite commonplace and occur with surprising regularity. Any store has a fund to cover the cost of paper spoilage, but "sometimes" these products in the shopping cart yet fall. So was born his idea to create their own insurance company "Apple".

The essence of the idea is very simple, more importantly, do not be greedy! He agreed with a number of food stalls, and then a large grocery stores that all risks in cases of low-quality products customers return to his insurance company incurs. For this shopkeeper contract with them, places in the store advertising products his insurance company, and cashiers to everyone insure their purchase offer plastic cards with the logo of the company, physical address and phone number. But a prerequisite for such insurance is premium products purchased by exactly 1 ruble. Who would think - nothing, but it is not so. Average store serves between 1,000 and 3,000 thousand customers a day, let half of them, and - this is the case, take advantage of this service insurance, because the ruble is not a pity, daily profit from one of the store will average 2,000 rubles, or about 60,000 rubles a month. For example, in the supermarket, which is now visible in the window of our office, a day is up to 10-15 thousand people will agree - this is a big business.

Insurance business enjoyed a "frenzied" popular - is one of the modern services, which is already on the first day of the opening ensures you stream of regular customers. Transfers to your account, with a minimum of your effort will come every day.


If you are interested in opening a personal insurance business, be sure to check with a free video course from Sergei Semenov:

                       "OPEN YOUR INSURANCE COMPANY PRODUCTS".


Sergei popular in detail and objectively describe a phased plan of action for your discovery of the insurance business. The license for this activity, instructions, examples of contracts with the administration of stores, plans and materials advertising companies are also presented free of charge. In fact, you will get their hands on almost finished turnkey business system, and with her financial independence and stability.

Be of good cheer, prosperity, luck and success!

PS Again, what's the catch, and where is the self-interest? What kind of altruism is giving away right and left is not just an idea, but just did ready-made business? Have you tried yourself to issue, for example, the license for any type of activity? Immediately say: - Sorry, hemorrhoids still that. But Sergei and her, and virtually all other documents simultaneously, and presents you with a gift. That is, your insurance company initially will be like a branch, and you business - partner.