In the liberal democratic party has proposed to link the cost of insurance to the mileage of the car

© RIA Novosti / Alexei Mangalapura in fotobanka insurance. Archival photoIn the liberal democratic party has proposed to link the cost of insurance to the mileage of the car© RIA Novosti / Alexei Mangalapura the image Bank

Deputies from LDPR suggested to extend the method of calculating the cost of hull insurance, which rely on the frequency of travel on the CTP; the corresponding bill is prepared for submission to the state Duma, said the press service of one of the authors of the initiative of the head of the Committee on labor and lipolytica Yaroslav Nilov.

A letter of offer is sent to the head of the Central Bank of Russia Elvira Nabiullina and dated it to the day of the motorist. Was initiated by the Vice-speaker of the state Duma from LDPR Igor Lebedev.

The authors of the bill justify his idea of the intended change of tariffs on OSAGO and the need to reduce the cost of car owners who seldom use their vehicles.

«Offer to extend the experience of the application of telematics in insurance, hull insurance and product insurance. Motorists voluntarily installing telematics device in the car will have ability to control the cost of insurance depending on the frequency of trips», — is spoken in the letter.

Parliamentarians explained that when purchasing the insurance policy for 30 days the computer system records the number of days of actual use of the vehicle.

«Thus, we achieve a more equitable balance of costs of the car owner on the insurance policy for real-time operation of the vehicle,» say the MPs.

The letter explained that today when calculating the cost of hull insurance many insurance companies use telematics services, which allows you to remotely monitor a number of critical parameters. In particular, the system monitors the movement of the vehicle from the route to speed and driving style, and journey time. Received data is sent to the insurance company, processed and used for the calculation of risk and, consequently, the cost of the policy for the driver.

«Our proposal will allow the use of transport temporarily, knowing that each rouble of cost of the policy will be spent only on the actual operation of the vehicle», — quotes nil his press service.

According to the Deputy, the introduction of CTP to the principle of monitoring of the movement will also reduce the cost of insurance for careful drivers.

The Ministry of Finance and the Central Bank of Russia is now preparing the first phase of liberalization of the insurance. So, the Central Bank proposes to extend the tariff corridor in the CTP, to change the system of calculation of the coefficient «bonus-Malus» (MSC) and the coefficient of «age-experience» (FAC). The bill of the Ministry of Finance envisages the abolition of the two factors of territory and power, as well as the introduction of a number of individual driver factors.