The result of individualization of tariffs on OSAGO will be to transplant speeders on bikes

14 March 2019

Russians expect an individual the insurance fees greater safety on the roads

According to the Russians, the most significant benefit beginning in 2019, the reform of the CTP, in addition to a fair price policy is to increase road safety. So says most of the participants poll conducted by the publication "Arguments and facts". In total, this survey involved 4701 people. Respondents were asked to choose which effect of the pricing reforms they consider most important.
The leading opinion among respondents was that the liberalization of the road will be safer because of the increase in the cost of insurance for recklessness EN masse will make negligent drivers literally ride the Bicycle. This opinion is shared by 43% of respondents. More than a fifth of respondents (21%), on the contrary, I see the main advantage of the reform is that the actual price of the insurance policy they will decline.

Avtoekspert Igor Morzharetto says the following: "Right and those and other respondents – the reform of the CTP cost really should be reduced for careful and experienced drivers. For drivers who drive risky, the price will increase adequately the risks that they bring in a system of insurance. And it should encourage them to drive more carefully".
Other answer choices have not caused a comparable response among respondents motorists. So, 9% of them expect that the reform will increase the availability of CTP, a policy can be purchased without the queues, and the motor will be additional services. For today the problem of accessibility policies in General solved so that these expectations are fair. Competition between insurers is already encouraging them to reduce the cost of the policy, but it is obvious that competition will manifest itself not only in price but also in ease of design of the policy and also in additional services.
Another 7% of respondents said they will drive more responsibly, because you get an incentive in the form of discounts on insurance policy.

Igor Morzharetto says: "Here is the same incentive that I talked about. But in any case risky drivers are a minority – no more than 15-20% and the majority of motorists (80-85%) and so drive gently and get a cost reduction policy." This prediction is confirmed by the statistics, already in January 2019 – in the first month of the new rates, the average cost of a policy fell by 2.3% compared with January 2018 and amounted to ₽5688.
Some respondents see the liberalization of the MTPL is also an opportunity to reduce the risk of fraud in the system – this option is chosen 3% of survey participants. This effect, although indirect, but experts believe that it will also manifest itself in reality – a noticeable decline in the value of official policy reset "benefit" from buying fake insurance.
And yet 12% of respondents fear that the liberalisation plans of insurance can repeatedly change, and not in their favor. "This is our, purely Russian mentality. People used to expect to catch any more or less good idea. Their trust has to be earned", – said the expert. However, 5% of respondents expressed their indifference to the problem.
Igor Morzharetto said in conclusion: "it is significant that the majority of Russians – 83% – expect reforms of different kinds of benefits, and indifferent or dissatisfied minority".
Reference: reform of the CTP was launched in January 2019, when the tariff corridor has grown by 20% in both directions – from ₽3432 – ₽4118 to ₽2746 – ₽4942. As the next stage of reform needs to pass legislative changes that will adjust the formula for calculating the price of the policy. The ultimate goal of the reform is the establishment of individual and fair for every driver rate insurance..