The CMTPL and comprehensive insurance want to unite in the uniform policy. This initiative was taken by the parliamentarian Vyacheslav Lysakov. Experts of the insurance market consider the idea irrational the Photo: Sergey of Bobyliov/TASS With the offer to unite policies of a comprehensive insurance and the CMTPL addressed Dmitry Medvedev the deputy of the State Duma Vyacheslav Lysakov. The prime minister already called the idea "reasonable and interesting", Vedomosti writes. According to Lysakov, drivers acquire policies of a comprehensive insurance to cover all risks, however it does not cancel purchase of the CMTPL. Complex insurance can take all the best from both types of insurance, and motorists will not overpay. However the market of car insurance in Russia is not ready to such measure, experts consider. Creation of the uniform policy is irrational now, the deputy head of the All-Russian operational service of the emergency help at road accident Gleb Vilensky says. Gleb Vilensky the deputy head of the All-Russian operational service of the emergency help at road accident "The idea of the CMTPL, generally, at the heart of the social. Acquiring the policy of the CMTPL, we insure the personal responsibility before other people. The comprehensive insurance is an insurance of our own risks, financial losses at damage of the car. To unite them violently in one policy, in my opinion, generally, not the really reasonable idea. We thereby kind of force drivers to address to insurance company just for repair of the own car even if it in the yard, for example, was damaged, something fell to it. At the same time financial load of drivers if it becomes obligatory, will grow enough essentially. On the other hand, it can give to development of the insurance market some impulse. From the commercial point of view — yes, certainly, it can recover the stagnating market of motor insurance because now a situation very simple: if the market of the CMTPL systematically develops as fleet of vehicles increases, the market of a comprehensive insurance in financial expression does not develop at all. I do not think that it will occur in the next years. It is rather such reserve for prospect". The integrated policy if when it appears, hardly is attractive at the price, and precisely it will not be cheaper than the CMTPL. Besides, the similar initiative is already embodied at many insurers in the form of a so-called dostrakhovaniye. As consider in the government, insurance companies upon transition to the uniform policy will have "safety cushion". Referring to data of the Ministry of Internal Affairs, deputies sounded this sum — more than 200 billion rubles. From these reserves insurers also have to cover possible risks. However this money cannot be touched, the president of the All-Russian union of motor insurers Igor Jürgens says. Igor Jürgens the president of the All-Russian union of insurers, the vice president of the Russian Union of Industrialists and Entrepreneurs "Two hundred billion rubles is a complete nonsense. These are reserves which are prepared for future payments including the judicial, and all others. It cannot absolutely be realized. As for combination of two policies in one, it is quite difficult process. At the moment it is not cart
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