Federal Financial Markets Service will deal with payments to insurers

First quarter dispelled all doubts - it is clear that insurers have finally overcome the crisis fall. "We can confidently say that the insurance market with the crisis-bye and go on a sustainable growth path," - said the head of the journalists Rosstrakhnadzor Alexander Koval. Dynamics with which the market is pulled forward, is really impressive. For the first three months, insurers have collected 169.46 billion rubles (without OMC). This is a 16.3% increase over the previous year. Moreover, growth showed almost all types of insurance - both voluntary classic and binding. The leader was the insurance business risks: premiums in this segment increased by as much as 95.1% - up to 2.81 billion rubles. Continues to gain momentum and life insurance. Growth - more than 50%. According to experts Rosstrakhnadzor, the locomotive of the "life" is still a bank lending, since most insurance programs incorporated in the loan products of banks. "We are pleased that the insurers 'life' poperla. But it's probably not what policyholders expect. To the classics to us far, "- said Alexander Koval. However, the specific proportion of the species in the general collections are still barely exceed 2% (6.61 billion). Finally returned to the growth dynamics and the voluntary property insurance - the main segment of the insurance market. It accounts for nearly a quarter of all charges. For the three months premiums are increased by 19.6%. But some businesses have shown just a stunning splash. For example, insurance premiums railway rooted almost at 400%, and cargo insurance - more than 30%. The market also came out in hull plus - he has added 18.2%. The only outsider was voluntary liability insurance, lost about 6% compared to the first quarter of 2010. This is due to the cancellation of liability insurance for state contracts, which previously was a significant amount of premiums in this segment, experts say. The regional picture is also quite optimistic. If you recently had a positive trend in the Central Federal District, now in plus out all the regions - in terms of insurance premiums they have added 10 to 20%. The top ten global leaders has not changed - it is the large capitalized companies. But the concentration of the market continues to grow. At the top-10 today to 81 billion premium (without OMC). So the leaders have accumulated 48% of all fees. An even higher proportion of CTP - 72%. Payments fall behind. All is good, and would be glad for our insurers - their life to normal. Only one "but". Payments to customers do not grow as rapidly as the fees. The payments for the first quarter increased by only 5.8% and amounted to 68.3 billion rubles (OMC). According Rosstrakhnadzor is reduced and the average rate paid. In the first quarter it was 40%, a year earlier - 45%, while in the fourth quarter of last year - 61%. Particularly disturbing trend in hull. "Charges in this segment increased by 18.2%, and payments decreased by 6.7%. This is partly due to the fact that insurers are catching up payments for premiums collected during the crisis. But only partly. It is believed that the insurers are trying to cut benefits, "- commented the head of economic data analysis and actuarial control Rosstrakhnadzor Tatiana Mayorov. The average rate paid on the hull for the four quarters of declining and declining rapidly. In the first quarter it was 71.9%, and a year ago amounted to 86.6%. "The feeling is that insurers feel sorry for the money earned back-breaking labor, there is a desire to withhold", - said Alexander Koval. Indirectly confirms that the number of complaints from the public. According to FSIS, complaints hull is constantly growing, they are now higher than the proportion of similar appeals by CTP. Overall, in the first quarter of 2011, insurers were unhappy with 6,8 thousand people - all they asked for help in Rosstrakhnadzor. The low volume of payments and attracted the attention of the new head of Federal Financial Markets Service, Dmitry Pankin. "I am the first time since a detailed analysis of the numbers of the insurance market. The numbers are interesting. First of all, affect the rate of market growth. Everything is fine, but there are a number of issues "- he told reporters. "If the share of insurance premiums 40%, what is insurance? If we figure an average of 40%, and for a number of "advanced workers" compensation insurance front is 1-2%, then, in theory, there is something wrong "- said Dmitry Pankin, the results of the quarter. According to him, data on the low percentage of recovery requires a more "detailed debriefing." In the area of ​​risk. Do not hurry and insurers to increase charter capital in accordance with the new requirements. The cumulative deficit is reduced very slowly - the first three months only 4 billion, from 54.3 billion rubles at the beginning of the year to 50 billion at the end of March. Such a deficit against the cash gap between premiums and payouts to 100 billion rubles, according to the head of Federal Financial Markets Service, it looks very strange. "Why such a large influx of funds can not be converted into an increase of capital, increased financial stability of insurance companies? It also requires a more detailed analysis "- said Dmitry Pankin said. At the rate of one insurance company increase the average capital for the past three months was only 4.4% and just over a year - 20.7%. But this does not merit more insurers and Rosstrakhnadzor which massively revokes licenses - on average about 110 per year. Nearly two-thirds of insurers still at risk. 417 companies from 607 until the new requirements relating to authorized capital. Among them 104 reinsurers, 54 life insurers, 168 companies conducting operations on insurance other than life insurance, and 91 companies conducting operations on a voluntary and compulsory health insurance. They account for more than 30% of total awards, including the MLA. There are undercapitalized and among the "foreigners" - companies in which the foreign stake exceeds 49%. According to FSIS, the cumulative deficit in the capital of insurers is 6.8 billion rubles. They have this year also may have problems with the completion of capital. The fact that the quota for foreign participation in the insurance market (25% of total capital) has been selected. It was assumed that in the near future it will be doubled - up to 50%. Told reporters, Dmitry Pankin, the corresponding legislative initiative has already been prepared. However, until this matter has caused interagency disagreements. Ministry of Economic Development Ministry of Finance refused to support the proposal to increase the quota of foreign companies in the Russian insurance market. This was last week told reporters Deputy Finance Minister Alexei Savatyugin. Ministry of Economic Development considered it inappropriate to raise the quota for foreign participation up to Russia's WTO accession. So now one can only hope that the Ministry of Finance will be able to convince their colleagues. Another problem - this is the structure of assets of insurers. On this in the near future will focus FFMS. "Nominally, the amount of capital may be fine, but if the funds are drawn candy wrappers, what is the use of these figures? We must really understand the capital structure: the more it is filled, what are the requirements to assets, whether we can actually see which asset market participants said the capital ", - said Dmitry Pankin said. Top 50 Insurers on the volume of premiums collected in the first quarter of 2011, the Company Region Award, mln. Payments million rubles. Sogaz Moscow 24.607 5.297 17.940 10.267 Rosgosstrakh Lyubertsy Ingosstrakh, Moscow 10.567 6.454 RESO-Guarantee Moscow Moscow 9.617 4.799 7.940 2.777 AlphaStrakhovanie FAC 6.545 3.368 Rosno Moscow Moscow Moscow 6.324 3.046 5.733 1.657 Max Accord 5.220 2.201 Capital Moscow Insurance Kogalym 4.402 763 3.182 479 Transneft Moscow Renaissance Insurance, Moscow 3.021 1.584 2.922 SG MSK Moscow 1.551 2.290 1.666 Uralsib Moscow Moscow ZHASO 2.274 1.662 2.256 628 Rosgosstrakh Moscow Surgutneftegas 1.889 479 Yugoria Surgut Khanty-Mansiysk 1.716 1.047 Generali PPF Life Insurance Moscow 1.678 50 1.655 Spassky Gate Moscow 1.374 1.430 VTB Insurance 376 Moscow Moscow Life Rosgosstrakh 1.230 156 Zurich Moscow 1.229 966 1.201 483 Energogarant Moscow Moscow Alico 1.160 311 1.157 581 Rostra, Moscow insurance, Moscow gut-Aviv 586 1.051 991 211 Moscow Progress-Garant, Moscow 986 920 Russian Insurance Center, Moscow 970 93 950 242 Moscow Innogarant National Insurance Group Dolgoprudny 910 140 Chulpan Almetyevsk 879 171 854 532 Orans Moscow Russia Moscow 781 461 774 9 Socium Moscow Russian Standard Insurance, Moscow 755 25 738 59 Moscow Hephaestus Lighthouse Belgorod 644 257 576 Alfa Insurance Life Moscow Life Insurance Sozhekap 19 Moscow 7 566 537 96 RSTK Khimki Megaruss Moscow-D 524 189 companion Samara 523 122 Moscow Russian National Insurance 520 234 516 244 Arcade Moscow Moscow Life Sogaz 506 528 First Insurance Company, Moscow 502 429 Emergency Insurance Company 474 81 Moscow Moscow Life CIV 461 12 455 55 BASK Moscow Source: Rosstrakhnadzor