Federal Antimonopoly Service of Russia favoured the establishment of a minimum standard of services for individuals. All too often, a closer look the contract insured (after the fact) discovers that the main risks are not insured. In addition, as a result of joint action by the Bank and insurer (with credit) the borrower not only does not have the right to choose another company but still being overcharged, because the price of insurance in the framework of the concluded contracts are often overstated. FAS offers a set minimum standards for insurance services, which include: objects of insurance risks liability insurers to list of cases of refusal of payment of the list of reasons for termination of the contract term and procedure for determining the amount of damages. Antimonopol′ŝiki also offer when they vote on the formation of Russian Association of motor insurers (Rami) give each a valid member of Association of one vote. A vote is now depending on the share of the company on the market of MTPL. The new order will take into account the interests of all market players, including small ones. All proposals submitted to the Ministry of finance and the FAS develops a draft federal law on amendments to the law "on organization of insurance in the Russian Federation". Recently the FAS had to deal with cases of lack of INSURANCE policies.