Who is paying for insurance?

26 November 2018

Motorists pay for insurance at different rates, but whether this difference?

According to statistics, young and inexperienced drivers are six times more likely to get into accidents. The coefficients for seniority and age in General placed right. At the same time, the cost of insurance policies is unreasonably high for motorcyclists and tractor drivers, but low for buses, trucks and taxis. Curious statistics leads "the Russian newspaper".

These data are published by the Financial University under the government of the Russian Federation. He figured out which category of drivers as a whole cover their losses through insurance policies, and which are not. The experts not only presented the current picture, but also suggested options for a more equitable insurance fees.

Thanks to Analytics it became clear that the average driver (and such accumulated 86 %) Belarus pays just 1.5 %. Absolutely different picture is observed with the taxi drivers: they generate losses twice more than pay for the policies. A similar pattern is watching for buses up to 16 seats (this includes only working on the order, not the bus).

however, some categories of drivers on the contrary are paying more than they repair. Almost 45% inflated prices on OSAGO for owners of motorcycles and scooters. Almost as many (40 %) are overpaid, the owners of corporate vehicles. In black was insurance and from the tractor: they are overpaid approximately 8 %.

Analysts suggest that the reform of the CTP, the proposed Central Banks, the interests of owners of cars, tractors and motorcycles. At the same time, taxi drivers and transport operators will continue to bring the insurance companies, only losses.

Interesting data are reported for coefficients. For example, the fee for power is antiproductive: as shown by statistics, the risk of getting into an accident for the owners of powerful cars lower than for owners of cars with capacity from 50 to 100 horsepower. Where is the justice?

reform of the CTP, which has been repeatedly postponed, will not solve all problems. The ratio of the power in the best case will be removed only the next time, and variation of the loss experience and age of drivers will not pay scale.