From April 1, 2015, new territorial compulsory motor third party liability coefficients came into effect, and from April 12 of the same year - the basic tariffs. After this innovation, policies have risen in price by an average of 40%, and many owners fear a further increase in prices for OSAGO.
In this article, we will consider what determines the cost of OSAGO and how has the tariff pricing system of an insurance policy changed over time? What are the prospects in this direction and is it true that the only reason for the constant increase in prices is the desire of insurers to earn more?
What is the base rate?
The cost of the MTPL policy is calculated based on a number of fixed variables, the main of which is the so-called base rate.
The base rate is understood as a statutory amount, on the basis of which the cost of the policy is subsequently determined by applying various coefficients. The base cost is the same for all citizens of the country, regardless of the region, driving experience and other individual parameters. The only parameter that is taken into account when calculating the base rate is the form vehiclefor example, for a truck, this figure is 1.5 times higher than for a passenger car.
According to the law (No. 40-FZ of 25.04.2002), all the powers to regulate basic tariffs are vested in the Central Bank of the Russian Federation. Since the introduction of the first CMTPL rate in 2003, it has remained unchanged for a long time. Determining its value, the regulator was primarily guided by the principle that the amount of money collected by companies from the sale of policies should exceed the cost of paying insurance premiums.
The first increase in the base tariff occurred in October 2014. It was due to the fact that for many years, during which the rate did not change, while the economic situation has changed significantly, and taking into account inflation, the funds received by organizations from the sale of policies simply ceased to be enough to cover payments for insured events. As it turned out later, the new prices did not last long, and their increase was one of the urgent measures to stabilize the auto insurance market. A full-fledged revision of prices and the establishment of new base rates for the CMTPL policy from April 1, 2015 at the time of publication of the Central Bank of the Russian Federation directive No. 3604-U.
Tariff corridor from April 01, 2015
According to the above-mentioned instructions of the Central Bank of the Russian Federation, instead of a fixed base rate, a so-called tariff corridor was introduced, which allows companies to use any amount in the range from 3,432 to 4,118 rubles for the initial calculation of the policy cost. This decision was made based on the following considerations:
- To create competition in the OSAGO market, and as a result of competition to improve the quality of car insurance. When the rate was a fixed amount, the offers of most companies differed little from each other, and the battle for customers was mainly at the advertising level, since more serious steps in this direction were impossible due to the clearly stipulated limitation in the price of the policy.
- Provide insurance organizations with flexibility in terms of pricing for different categories of clients (individuals, individual entrepreneurs, pensioners, etc.) and different regions.
At the moment, it cannot be said that the measures taken are working effectively, since the price corridor is practically not used. Due to the long term of the previous tariff system, the sale of OSAGO policies was a loss-making enterprise for many companies. In this regard, insurance organizations simply increased prices, relying on the cost calculation for a new maximum permissible rate of 4,118 rubles (for example, Renaissance Insurance, Consent, Uralsib set such a rate in all regions of the Russian Federation, and SOGAZ, Ingosstrakh, VSK, AlfaStrakhovanie, RESO -Warranty in most regions).
How does the price band work in practice? Suppose you have a standard 120 hp car. The owner of the car (over 22 years old) lives in Moscow, has a driving experience of over 3 years, and has not previously been insured. Depending on the base rate, the price of an annual policy for a given vehicle can range from 8,236 to 9,883 rubles, that is, the difference is almost 20%.
Table of basic tariffs for OSAGO in 2017
The table below shows the basic tariffs for compulsory motor third party liability insurance in force in 2017.
| Vehicle type |
Tariff corridor |
|
|---|---|---|
| Min. amount, rub. |
Max. amount, rub. |
|
| Motorcycles, mopeds |
867
|
1 579
|
|
Cars
|
||
| For legal entities
|
2 573
|
3 087
|
| For physical |
3 432
|
4 118
|
| For taxi |
5 138
|
6 166
|
|
Trucks
|
||
| With max weight less than 16 tons |
3 509
|
4 211
|
| With a maximum weight of over 16 tons |
5 284
|
6 341
|
|
Vehicle for the carriage of passengers
|
||
| With number passenger seats up to 16 inclusive |
2 808
|
3 370
|
| With more than 16 passenger seats |
3 509
|
4 211
|
| Trolleybuses |
2 808
|
3 370
|
| Trams |
1 751
|
2 101
|
| Tractors, self-propelled road construction machines |
1 124
|
1 579
|
Other innovations of the decree of the Central Bank of the Russian Federation No. 3604-U
It should be noted that with the introduction of the order, not only the total cost of the policy increased, but also the maximum amount of insurance payments. If earlier it was 120 thousand rubles for compensation for damage caused to property, and 160 thousand rubles for compensation for harm to life and health, then in 2016 the maximum payment limit would be increased to 400 and 500 thousand rubles, respectively.
Together with the adoption of the law on new tariffs, the Central Bank obliged all insurance companies post and promptly update relevant information about the cost of the policy on their websites and online calculators. And in theory, any citizen, choosing a suitable option for compulsory motor third party liability insurance, can go to the Internet and get acquainted with the prices. In practice, however, most organizations have hidden their base rates page deep in the wilds of their sites. Apparently, there is an unspoken agreement between the insurers on this matter to counter dumping.
In addition to the new tariff rate, the Central Bank's decree also provided for a change in regional coefficients. This parameter is determined for different regions based on the degree of road congestion and the average accident rate in the area. The highest coefficient was established for such cities as Murmansk, Chelyabinsk - 2.1; Kazan, Perm, Tyumen, Moscow, Surgut - 2. The cheapest new insurance will cost residents of such regions as the Chechen Republic, the Republic of Dagestan, Kalmykia, Crimea, the Trans-Baikal Territory - a coefficient of 0.6.
Prospects for price liberalization
In the future, PCA plans to gradually liberalize the tariff system. Moreover, a special working group has already been created, whose task is to develop a new system with free prices for an insurance policy, set by the companies themselves.
According to PCA representatives, the introduction of free tariffication will create real, and not imaginary, competition in this area. At the same time, the organization, together with the Central Bank, plans to continue to exercise control over the pricing policy of insurers, in particular to monitor its economic feasibility.
Despite such assurances, vehicle owners are afraid of an even greater increase in prices for OSAGO. One way or another, at the moment all work in this direction is in the initial stage, and the specific timing of the introduction new system was not announced.
As you probably already know, compulsory auto insurance is controlled by the state in almost all aspects. Indeed, without him, any accident could result in a serious conflict, since the perpetrator of the accident would have to pay the damage to the injured party out of his own pocket. Not everyone, naturally, would do it voluntarily. Therefore, it is important for the state to keep OSAGO insurance under strict supervision.
The cost of insurance is calculated taking into account a number of strictly fixed variables. And the basis for the calculation is the base rate of OSAGO. This is a fixed amount that is established by law for each type of transport that participates in road traffic... The basic insurance rate for OSAGO is unchanged for car owners living in any region of the country, regardless of their experience and driving experience, or the brand of the car. The basic rate of car insurance is the same for everyone.
Then what does the base rate of OSAGO depend on? First of all, on the type of vehicle. For example, car insurance for passenger cars will differ from the base coefficient OSAGO for trucks... The very size of the base rate of car insurance is set based on the approximate ratio of insurance premiums and insurance payments. That is, the basic insurance rate for OSAGO is set at such a level that the money from the sale of car insurance policies from insurance companies slightly exceeds the amount they pay for insured events. It should be emphasized that the base rate of OSAGO was established back in 2003 and did not change until the last, 2014. Read more about what affects the cost of the policy on the page CTP coefficients.
Change in base rates for compulsory motor third party liability insurance
In the fall of 2014, a decree was issued to increase the base rate for compulsory motor third party liability insurance. It was due to the fact that such a long preservation of the base rate of car insurance, in the end, made compulsory car insurance unprofitable for insurers. And even later, there was an increase in the base tariff for OSAGO since April 2015. These changes have led to the fact that the base rate of OSAGO from April 12, 2015 increased by about 40%. Wherein compulsory insurance became profitable again for insurance companies. But this does not mean at all that you cannot influence the cost of car insurance in any way. Especially for you, we have written an article on how to find the cheapest OSAGO in Moscow and other regions.
However, these are not all the changes that affected the base rate of OSAGO from April 12, 2015. In addition to the rise in prices, a currency band was introduced. That is, the basic coefficient of OSAGO since 2015 represents more than one strictly fixed amount. Now the maximum and minimum base rate for OSAGO is introduced in the amount of 20% of the rate. It is assumed that, within the tariff corridor of the base rate of compulsory motor third party liability insurance, insurance companies will compete for clients by setting prices within this corridor.
How to find out the base rate of OSAGO?
You can find out the basic insurance rate for MTPL in 2016 for your type of vehicle by looking at the table below:
Table of basic tariffs for OSAGO in 2016
| Vehicle type |
Tariff corridor |
|
|
Motorcycles, mopeds |
867 rubles |
1579 rubles |
| Cars | ||
|
For legal entities |
2573 rubles |
3087 rubles |
|
For physical |
3432 rubles |
4118 rubles |
|
For taxi |
5138 rubles |
6166 rubles |
| Trucks | ||
|
FROM maximum mass less than 16 tons |
3509 rubles |
4211 rubles |
|
With a maximum weight of more than 16 tons |
5284 rubles |
6341 rubles |
|
Vehicle for the carriage of passengers |
||
|
With the number of passenger seats up to 16 inclusive |
2808 rubles |
3370 rubles |
|
With more than 16 passenger seats |
3509 rubles |
4211 rubles |
|
Trolleybuses |
2808 rubles |
3370 rubles |
|
1751 rubles |
2101 rubles |
|
|
Tractors, self-propelled road construction machines |
1124 rubles |
1579 rubles |
Also you can for you. It is enough to use our CMTPL calculator, which takes into account all changes in the basic CMTPL tariff
What cost of OSAGO in 2016 waiting for motorists? What affects the price of insurance, is it possible to save on insurance policy OSAGO? Which company to apply for insurance to get additional benefits and maximum benefit?
What does the cost depend on?
The cost of the MTPL insurance policy in 2016, as before, will have its own for each car owner.
It consists of the following components:
- the base rate is 3432-4118 rubles - the exact amount depends on the vehicle category and the type of owner and insurance company;
- car power;
- coefficient of age and experience of the driver who directly drives the vehicle;
- regional coefficient, it is also the coefficient of the territory - a number that increases the cost by 1.2-2 times. Kt is different in every subject of the federation - for example, in Moscow it is equal to 2, i.e. high due to the high probability of an accident;
- the number of persons admitted to management;
- insurance period;
- bonus for accident-free driving (KBM) - 5% for each year without an accident, but not more than 50%.
Important: the cost of the CTP policy under the same conditions should be the same in all insurance companies. Promotions, discounts and special gifts when buying a policy are legally prohibited. Only insurance brokers, in particular Auto-Service, can give a discount by deducting from their percentage of the policy fee.
Possible changes in the cost of OSAGO
The head of the ARIA, Igor Yurgens, in a comment to TASS refrained from forecasting when to expect the tariffication of OSAGO according to the new principles. In theory, everything can be done in a few days, he said. However, the Central Bank of the Russian Federation notes that a number of legal issues are associated with the liberalization of the "auto civil liability" tariff. To this we add that Russian officials are not inclined to the speed of innovations. However, the cost of OSAGO 2016 may change dramatically. As recently reported to TASS in the All-Russian Union of Insurers, the head of the Central Bank of the Russian Federation, Mrs. Nabiullina, clearly expressed her consent to the liberalization of the tariff for "car insurance". And she even offered auto insurers to prepare a "road map" for the transition to a free tariff.
According to experts, the changes will increase competition among insurers, which will lead to lower tariffs. Then, choosing a company to purchase a CTP policy, insurers will already be able to choose where it is cheaper. But how significant the reduction in price will turn out to be, it is all the more premature to say, because market participants have not even seen the "road map" yet.
How to choose an insurer
If the price of OSAGO 2016 for each car owner is the same for all insurers, does this mean that a car insurance contract can be concluded with any insurance company? No. You should only deal with a reliable insurer who will not evade payment in every way, violate deadlines and underestimate the amount of compensation.
Four tips for choosing an insurer:
- in big city than larger companythe better the service;
- study reviews - food for thought and conclusions;
- check the status of the license - whether it is restricted, suspended or even revoked;
- ask an insurance broker to recommend a trusted company.
By the way, you can and o directly from the broker - this is really reliable.
Benefits of an insurance broker
First of all, for the insured, the services of an insurance broker are free - they are paid by the insurer through a commission. Having found out how much OSAGO costs in 2016, and how to choose an insurer, we will figure out the advantages of contacting an insurance broker.
Secondly, the broker guarantees the reliability of each of the insurance companies with which it cooperates. An insurance broker is in daily contact with insurance companies and knows which of them have problems with payments, and which in the shortest possible time are resolved by all insured events... Brokers are among the first to know which company will leave the market soon.
Thirdly, at registration the broker will offer the best option in terms of the price / reliability ratio of the company, it will save you from overpaying for unnecessary options. That is, it is possible to get auto insurance cheaper than in the company itself.
Fourth, the broker supervises clients in the event of an insured event.
Fifth, his services can usually be obtained both in the office and with delivery. For example, the insurance broker "Auto-Service" has an office in the center of Moscow and several points of issue in the capital, but at the same time offers free and fast delivery of all documents to the client.
And finally, the insurance broker will consult the client on all issues free of charge, objectively and professionally.
How to order and buy an OSAGO policy?
To buy an OSAGO policy with delivery in Moscow, the client needs to send us information using any of the options:
Call us and our operator will help you place your order
|
Submit required documents on
|
Fill in online application for OSAGO |
Our actions:
- we calculate the cost of the policy;
- we agree on the details with the customer, draw up a policy;
- we transfer the document to the delivery department.
We guarantee delivery of the policy in two hours or the next day after its registration. The client signs the contract presented by the courier and two receipts with payment on the spot. We transfer the signed copy of the OSAGO policy and application to the insurance company.
