Keyword: «insurance»

The purpose of the article is to assess the state of insurance in Russia at the present stage from the position of the insurance risks inherent in our country. The insurance market of Russia continues to develop dynamically. However, the main difference of our country from the majority of economically developed countries is that the most significant risks are practically not insured (in general, the share of insured risks is no more than 15% of real insurance risks). Obstacles to the active development of domestic insurance are: the inertia of economic processes in the country; insufficient study and forecasting of insurance risks and, as a result, poor development of insurance products that correspond to risks; lack of informational openness of insurers (especially in the regions); lack of thoughtfulness of ensuring the economic interests of individual insurers in adequate insurance services; weak competitive environment in regional insurance markets; high polarization of the social strata of the population (as a result, the inaccessibility of insurance services to a significant part of the population).

The spread of the coronavirus has had a significant impact on the functioning of various sectors of economic activity, including the insurance market. The structure of the insurance market for the first half of 2020 is considered. The most affected segments of the insurance market are presented

The article examines the role of marketplaces for the insurance market. The possibilities of marketplaces for the sale of various insurance products are presented and a comparison of financial platforms located in the register of the Bank of Russia is carried out. There are advantages and disadvantages of marketplaces for consumers of financial services and for financial organizations, which provide these products.

Digital technologies lead to massive changes in various markets of the economy. The constant desire for digitalization is also changing the insurance market.

The article substantiates the need for insurance of bank deposits and analyzes the experience of its formation in modern Russia. The main insurance cases that are grounds for insurance compensation in favor of depositors are considered. The specificity of the legal nature of relations in the field of bank deposit insurance is revealed.