CTP - compulsory automobile liability insurance. Drivers know that travel on the road without the CTP can not. The meaning of this policy is that, if your fault accident happens, you will not have to pay for the damage to the victim: it will cover the insurance company from which you bought the policy.
How is the cost of the policy by the old rules
Now insurance companies set the base rate (TB) Compulsory for all residents of the city. Then the price of the policy affects different factors. The formula for calculating the CTP at the moment looks like.
CTP = TB × MSC CM × CT × × × KO FAC × × COP KH
- KBM - bonus-malus coefficient. MSC novice driver is equal to unity. If the last driver had an accident rate rises, and vice versa for a neat ride rely bonuses. If the driver is not the year draws MTPL policy, the ratio returns to unity.
- CT - coefficient territory. Established for each municipality. For example, Moscow CT is 2, Moscow Region - 1.7, and in the next Kaluga region - is 0.9.
- CM - power factor. The more horsepower, the higher the cost of insurance. Now, with the power of the machine of 120 horsepower rate increases by 40%, more than 150 horsepower - 60%.
- KBC - age factor, and time. FAC for beginners under 22 or with the driving experience of at least three years is 1.8, and for more experienced drivers - one.
- KO - restriction coefficient. If you operate the machine will be an unlimited number of drivers, insurance will cost more.
- KS - utilization period. With an annual insurance factor is equal to unity.
- KH - coefficient disorders. It takes into account the gross violations of the law. For example, driving drunk or escape from the accident scene.
What are the disadvantages of this system
MTPL - compulsory insurance, and therefore very common. In 2017 it accounted for CTP. Actions to stabilize the Bank of Russia 17.4% of all premiums. At the same time, more than 80% of complaints against insurers is concerned CTP.
Evaluation of the drivers are too general
city drivers are not only the experience and capacity of the car. Someone is working round the clock on the machine, and someone goes once a week for groceries. In addition, the reception area is only indirectly affects the risk of accidents, especially considering the fact that the car can be put on record in any region. Now the drivers have the same traffic accident rate and pay different amounts for the policy just because formally they relate to different areas. This does not include any real traffic density nor the state of the roads.
History of accidents easily reset
Suffice it to 12 months will not be entered in the MTPL policy - for example, to drive the insurance without restrictions - and the MSC again return to unity. At the same time burned bonuses accurate drivers and canceled the history of emergency.
Power factor is outdated
power car 100 horsepower once considered almost racing, and they were more expensive insurance. Now is the standard power cars, and for the owners still valid tariff increases. In this case, a clear link between vehicle power and accident rate has not been revealed.
What is the essence of the reform
compulsory insurance want to make a more fair: CTP count value is not on the averaged figures, but individually for each driver. To this end, the Central Bank and Finance Ministry have prepared a set of measures to be carried out in stages.
Following the results of the reform will be canceled outdated or unfair rates. Instead, insurance companies will be able to set their own rates for drivers evaluation. For example, take into account the marital status or the use of telematics devices that track the frequency of driving and driving style.
To increase the liability of the insurer for the sale of MTPL policies of the Central Bank of Russia plans to maintain a public register of reliable insurance agents. The site of the Central Bank drivers will be able to see how the agents can be trusted. Learn the value of the policy at different insurers can be through individual calculators on its website.
What exactly will change in the CTP
Accounting for past accidents and trouble-free bonuses will be made more fair and clear, stop and take into account the power factor territory, experience and insurance history of the driver will be considered in more detail, and the policy can be made at one time or 2-3 of the year.
Calculation of the bonus and penalty point factors (MSC)
Factor will be assigned to the driver on April 1 of each year. No matter how much the car owner OSAGO contracts or concluded, the ratio will not change. The next April 1 will be checked whether or not payments for accidents in the last year and appointed a new factor.
Cancel area ratio (CT)
Each driver will be offered its own base rate. Insurance companies will be able to take into account the real situation in the city and features of each person driving. In this case, if the driver does not agree with the assessment of a company, he can apply to the other - this competition will force insurance agents to provide just and favorable conditions.
Cancel power factor (KM)
In addition to a higher rate gets too large number of cars, according to the Ministry of FinanceFinance Ministry proposes to change the consideration of regional factors in the CTPThat according to statistics Ministry of Internal Affairs there is no connection between the vehicle capacity and the number of road accidents, so the Cabinet will not be considered.
A detailed classification of drivers according to seniority
In the new system, drivers will experience a more important factor. For example, drivers with driving experience of more than 14 years will get the lowest rate and pay less for insurance. Instead of the current four categories will be introduced 58.
The opportunity to contract for any period
Car owners will be able to conclude an insurance contract at any desired time - even for one day. This will yield in situations where you need to go right now, if the machine is used only a few months a year, or when the old policy expires before the sale.
When the changes take effect
The bill is currently under construction, and reform itself will take place in two stages.
First stage. The Bank of Russia will simplify and make more transparent and understandable system of assigning the MSC, will introduce more detailed gradation drivers by age and length of service and extend tariff corridor for 20 percent down and up. Note the Bank of Russia for approved and sent for registration to the Ministry of Justice, it will enter into force 10 days after its official publication.
Second phase. the bill will be adopted, which will allow insurance companies to set individual basic rates. still the Bank of Russia will assign minimum and maximum tariff corridor and control the profits of insurers.
Who benefits from this reform
Under the new billing insurance companies will be able to lower the price of the policy for advanced and accurate drivers and raise for emergency. This means that those who comply with the rules will not overpay for lovers polihachit.
The head of the Russian Union of Insurers said Igor Yurgens PCA: CTP reform will raise the price for aggressive drivers and reduce to trimThat 80% of Russian drivers drive carefully, so the policy will become more expensive for only 20% of those who drive aggressively and often violate the rules.