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Insurers zavedut "emergency" of history for each vehicle owner

2012-12-17

The State Duma adopted in the second reading of the draft amendments to the Law on CTP, which include reducing the cost of the policy for the "trouble-free" drivers and the high price of insurance for drivers involved in an accident.

The State Duma adopted in the second reading of the draft amendments to the Law on CTP, which include reducing the cost of the policy for the "trouble-free" drivers and the high price of insurance for drivers involved in an accident.

Formally, the scheme of the coefficients a "bonus-malus" came into effect in Russia in 2003. However, according to the insurers themselves, after ten years, this system works only partially, mainly towards concessions drivers.

And then, finally, a unified database of insurance companies established. Starting from January 1, 2013, there will be stored information about CTP policies and its owner. Adding this information into a single database will provide the insurance company, realized the policy.

Next - the scheme is simple: hit the driver in the accident - the next MTPL policy will cost more, and conversely, if the driver lived for a year with no accidents, when buying a new policy will receive a discount. Moreover, if the car owner "accidentally forget" about his accident last year, and it turns out that besides high rate to the cost of the policy the insurer has the right to demand from him an additional charge.

Also in 2003 was withdrawn and the scheme costing policyholders from the coefficients a "bonus-malus". Under the scheme, the cost base of the policy apply ratios from 0.5 to 2.45, depending on the class of accident insurer.

Then in 2003 and it, that is in the first year of operation of the system of coefficients, all motorists were automatically assigned to the third class of the accident by a factor of 1, so everyone bought liability insurance policy tool to the basic rate. The same "zeroing", one should expect in 2013.

Next, the system will work as follows. If during the first year of the contract with CTP car owner will not register any of the insured event, the next year he will be able to purchase insurance for the value of 0.95 base rate. And, with each "trouble-free" year, the discount will accumulate. Thus, after 10 years, the most exemplary drivers can buy insurance for just polstoimosti.

If the driver will be the culprit, then, regardless of its previous "accident of history", the following year MTPL policy has cost him 1.55 base rate. In this case, go back to the base rate, that is, the third (first) class, will be the only ones who get departures without accidents for two consecutive years.

The most expensive insurance policy will cost those motorists who will perform an accident two or more times a year. For this category of drivers will be applied coefficient 2.45. It is worth noting that even for the worst drivers maximum appreciation CTP can not exceed three times the cost of the base rate of a specific region.