In present crisis conditions to predict that or, all the same what to stick bad shot. Today the forecast is actual, brings positive result, and tomorrow it can look simply absurd. In such situation insurers put forward different assumptions, try to advance a situation and to make the decision. Many insurance companies have already lost on an incorrect market opinion and at the best have lost money or in general were broke. In all this porridge two confronting camps are allocated: Proud optimists and early pessimists.

INSURANCE Pessimists

Consider that in 7-10 months the sales volume of insurance services will decrease on 10-25 %. There will be it because of economy of the population on health and well-being. The person will easier purchase milk, bread and a saury, than will spend money for the insurance from accident. Plus to it percent not return of credits to bank will lead to decrease in issue of these credits, and besides the population does not have possibility to take the credit. Each insurance company works with banks. They grant the autocredit to the population, at the HULL INSURANCE term of assurance. If banks cease to give such credits in former volumes it is necessary to insurers is unsweetened. Many insurance organisations will lose on the average from 7-17 % of profit. As a result all it will lead to disorder of many insurance companies and will be blow for all insurance as a whole.

INSURANCE Optimists

These people confute the assumption of so sad scenario. They believe that from banks it is possible to reimburse defect of means to the account of new insurance products and municipal contracts. According to these people, the state built, builds and will build and consequently to insure the risks. Introduction of new products of insurance, such as: the mixed packages of insurance of the car and a summer residence at a discount, marriage portion assurance etc. all it should help to overcome negative influence of crisis. Insurance volumes on 7-35 % depending on region. Similar insurers are waited not by the most light future.