The current stage of the Moldovan insurance market is still very small. Insurance penetration, which is about 1.35% in 2009, pales in comparison with its neighbor countries. However, premiums written as a percentage of GDP (penetration rate) have been registering modest growth. Gleaned from this perspective, the current very low insurance penetration itself offers enormous opportunities for growth and expansion of the insurance sector. The current market, typical to new undeveloped and developing markets, the world over, is dominated by general insurance, particularly motor third party liability covers which accounts for more than 65% of the gross written premium.