The insurance policy you want to bind to the driver not the car

24 September 2018

Is preparing a revolution in the insurance market?

Today, motor insurance (particularly insurance) is tied to a specific vehicle. Of course, the policy spells out the drivers who have the right to control it. However, in the case that a single person possesses multiple cars, then it will have to insure them separately. In the future this rule may change. About an unexpected and very interesting metamorphoses pichet "the Russian newspaper".

Review the principles of insurance offered the first Deputy Chairman of the Federation Council Committee on budget and financial markets Nikolay Zhuravlev. He asked the question: "Why is the owner of several cars should have multiple insurance policies on each car? It is obvious that he can't drive them at the same time".

the Senator believes that it would be better to bind the policy to the vehicle and to the driver's license. Surprisingly, the Chairman of the Central Bank Vladimir chistyukhin supported the idea: "the Transition from car insurance to the insurance of the driver we like the idea, as a principle supported".

But changing the rules of insurance will actually revolutionize the entire industry. Today to calculate the cost of the policy takes into account not only the factors that depend on the driver (age, experience, and history of previous insurance), and vehicle parameters, including capacity and place of registration.

it is difficult to imagine that the state represented by the Central Bank and the Russian Union of motor insurers agree to such drastic measures. They a simple change of tariff can't agree that six months, but in the case of Mr. Zhuravlev we are talking about a real revolution.