"Nature" takes its own

The real business slows down, the gray schemes are returning, and with them the former insurance elite, due to the crisis, the rate of growth of the fees of insurers slowed down: the real business is reduced, but the signs of the return of the taxes on minimizing taxes are already noticeable. These are the conclusions of Rosstrakhnadzor, who summed up the results of nine months of this year yesterday.

According to the regulator, the fees of insurers for three quarters amounted to 699.9 billion rubles (payments - 428.8 billion rubles). This is 23.3% more than in the same period last year. There is growth, but his pace was clearly slow. In the nine months of 2007, the market grew by 25.8% compared to 2006.

To find out what types of insurance the crisis affected the most, officials compared the increase in the third quarter with the second quarter for 2007 and 2008. The wise method showed remarkable results - stagnation affected all types except life insurance. Personal insurance was most affected. “Large holdings reduce their expenses for VHI,” explained the head of Rosstrakhnadzor Ilya Lomakin -Rumyantsev. At the same time, in life insurance last year, the amount of fees in the third quarter was 42% less than in the second. And this year, in the third quarter, the fees increased by 8% compared to the second quarter.

“It is difficult to imagine that people who withdraw money from deposits have taken their savings to insurers,” says Yana Miroshnichenko, director of the Department of Strategic Analysis of Financial Markets, the department of strategic analysis of financial markets. - Alas, we are forced to state that with a high degree of probability the growth provided gray schemes. In the context of the financial crisis, the need for companies in minimizing taxes is increasing. Now, for a number of companies, the critical situation with fin resistance directly pushes them to the use of schemes. ” Ilya Lomakin-Rumyantsev answered the question about the schemes succinctly: “Demand for them will definitely grow, but how much the volume of non-classical insurance in general fees will increase depends on the efforts of the Ministry of Internal Affairs, the Federal Tax Service (Federal Tax Service) and Rosstrakhnadzor.” The tax department is also waiting for schemes. “We do not exclude that the volume of schemes to increase in the market. First of all, this may affect liability insurance and financial insurance, since far -fetched financial risks may arise for receiving insurance payment, ”says Marina Romanova, adviser to the adviser to the income tax administration department of financial and credit organizations.

Official reporting does not allow to evaluate the volume of financial risk insurance. But the results of liability insurance are impressive. Five insurers with unfamiliar ordinary consumers have names, the level of payments of which does not exceed 1% of the fees. Among them are Grand-Polis, Rostra, NESSO, The Business Community, Rousserantia.

“In the liability insurance there are companies whose fees over the last quarter have increased more than doubled, and in some cases ten times. Although, given the crisis, I do not see significant prerequisites for such growth. This is quite correlated with our forecasts to increase the volume of schemes, ”says Yana Miroshnichenko.

It is noteworthy that the Grand-Polis and Neso are listed in the Register of Rosstrakhnadzor at one address: Dubininskaya, 53, p. 5 (two more insurers are listed at the same address). NESO was previously known as an insurer from the Group "Nature", the owner of which Dmitry Balyabin called himself. The same holding included the Socium insurance company, at the same address with which Rousseobrantia was registered.

The company "Nature" occupied 14th place in the training camp (5.7 billion rubles according to the supervision of 2005) and specialized in schemes for financial insurance. For which she lost a license in June 2006. Then Dmitry Balyabin said he was going to leave the insurance market and focus on projects related to construction. Since then, his activity has become non -public. However, now the companies that Dmitry Balyabin once called their leaders are again in the leaders. Moreover, NESO, for example, ended up in the TOP-10 not only for liability insurance, but also for reinsurance with one of the lowest payments in 7.9% of the fees.

It was not possible to get through to Dmitry Balyabin - according to the newspaper correspondent indicated in the NESO telephone, the female voice first asked to wait, then he replied that they did not work here. And later the male voice replied that Dmitry Vasilyevich was no longer at work.

“To be at one address is not a violation of tax and insurance legislation. But if these organizations transfer risks to reinsurance in the absence of insurance payments, then we can consider the activities of these insurers as a scheme for tax benefit, ”says Marina Romanova.

10.11.2008 / Ksenia Leonova, the material was published in the newspaper No. 214 dated 11.11.2008.