The cost of insurance tied to the amount of fines

1 October 2018

Chase? Pay more

In recent years, the media regularly publishes information on the reform of compulsory car insurance. The most popular topics — the extension of tariff corridor, the increase in the average cost of the policy and the possible failure of regional and power coefficients. Now there are rumors that the final price of insurance will depend on the number of car fines.

it is Assumed that the calculation formula will be introduced a new "penalty" factor. Accordingly, the more specific the motorist will violate traffic Rules, the more he will have to pay for insurance policy.

the Proposal seems logical: from reckless drivers is much higher chance to get into an accident than those who meticulously follows the rules. Besides, insurance companies will have extra incentive to increase prices only for this group of customers, while law-abiding motorists will not touch it.

At the same time, one should not expect that this rule will be adopted soon. The fact is that the Central Bank first announced the imminent addition of a "penalty" factor at the end of 2015. Then it was assumed that changes will be made in 2016.

Upcoming changes in the grid tariff had long been established. The base price will increase by 20% in both directions: instead of the current fork 3432-4118 rubles will be set 2746-4942 rubles. Also the insurance company will have greater flexibility in costing, reducing the cost of the policy in the revenue regions and increasing in "toxic". As stated earlier, the Deputy Chairman of the Central Bank Vladimir chistyukhin, as a result of innovations, the average policy will rise 5.8 thousand to 7 thousand.

it was Originally planned that the changes will take effect at the end of the summer, but in recent months the reform has been repeatedly postponed.