Pays again: the Central Bank has proposed to change the calculation of the cost of insurance

© RIA Novosti / Maxim to Bogodeeva in fotovakschool insurance policy in one of insurance companiesPays again: the Central Bank has proposed to change the calculation of the cost of insurance© RIA Novosti / Maxim to Bogodeeva the image Bank

Passion around CTP is not down. At the end of April in Russia came into force amendments to the law that establishes the priority of natural compensation to the monetary compensation. Is also discussed and the idea of a franchise is to blame for the accident was shared with the insurer of the payments for «avtograzhdanki.» But there are other innovations: the Central Bank has proposed to change the calculation of the cost of the insurance policy, laying out the specifics of requirements for age and experience of drivers.

As explained in the CBA, the policy cost will increase for certain categories, and the average market rate in the end will not change — it is about the redistribution of load on the owners insurance.

But the defenders of the rights of the owners fear that an increase in the coefficients may not correspond to the degree of risk, and blamed insurers for failing to disclose anonymised statistics on an impartial analysis.
The lack of open data

Activists defending the interests of car owners insist on insurance must be public — so anyone can calculate and relate how these factors correspond to the increase in the degree of risk in a particular age category.

«These statistics should be published as a contract of insurance is public and applies to almost the entire population of Russia», — said Igor Pushkar, head of the Society for the protection of the rights of consumers in sphere of insurance.

The expert notes that the bias in payments towards more inexperienced drivers will be. But the ratio can be given disproportionately to the degree of risk that create certain categories.© RIA Novosti / Alexei to Mangalapura in foobarcontroller insurance insurance policyPays again: the Central Bank has proposed to change the calculation of the cost of insurance© RIA Novosti / Alexei Mangalapura in foobarcontroller insurance insurance policy

«From past experience, almost all innovations were designed to optimize the CTP market, followed by increase in the cost of the policy. Do not rule out that this is over and that,» says Pushkar.

The insurers themselves explain the reluctance to disclose statistics for insurance commercial secret. But, according to Peter Shkumatov, the community coordinator «Blue buckets» closed data — it’s like that cat in the black box.

«It’s like the well-known problem with schrödinger’s cat – have to guess whether he was alive or dead,» reminded the expert of the famous thought experiment of quantum mechanics.

«In other countries, for example, in the United States, these data are publicly available in de-identified form,» — said Shkumatov.

This approach, believe in the «Blue buckets» needs to be used in Russia to depersonalize policies to clean out personal data of the drivers, replacing them with unique identifiers, and to provide this information to society in the form of cheese – to be able to conduct an independent analysis.© RIA Novosti / Artem to Getinitiated in poobangkerdphol point car insurance on one of the streets of MoscowPays again: the Central Bank has proposed to change the calculation of the cost of insurance© RIA Novosti / Artem to Getinitiated in poobangkerdphol point car insurance on one of the streets of Moscow

We need a comprehensive approach

In the industry are not tired to remind: the sale of insurance policies for insurance companies unprofitable, and this problem must be solved somehow.

According to the RSA the amount of the fees insurers CTP in January-February 2017 $ 28,952 billion rubles, and payments for the period reached 28,350 billion. «The crisis in insurance is maintained,» stated at the end of March Jurgens.

However, according to observers, the measures offered by the Central Bank will not solve the problem. To help the market needs a systematic and conceptual approach to the system of compulsory insurance. Patching of holes would only increase the cost of insurance policy.

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