The average OSAGO audit decreased – News Mail.Ru

For the first time since the beginning of the current crisis of mandatory motor vehicle liability insurance, the average payment to motorists under compulsory insurance has decreased in the first half. According to the Russian Union of Motor Insurers (RSA), this indicator decreased by 16%, rising to 64.6 thousand rubles. In the insurance market, this is due to the growing popularity of in-kind compensation and the reduction of accidents on the roads. However, the reduction of insurers' losses does not free motorists from the promised tariff reform.

According to the RSA, in the first half of 2018, the average payment of compulsory TPL insurance in the country was 64.6 thousand rubles. For the first time in the history of the current MTPL crisis (it lasts two years), this indicator has decreased (minus 16%). As explained by Igor Yurgens, President of the Russian SAR, it has become possible "because of the growing popularity of repair payments in areas where criminal avtorists are most active – so they are cut off from any possibility of payment by the courts. "

The April 2017 repair under OSAGO has priority over the cash payments decided by the insurer. According to Igor Yurgens, now on average in the country the share of compensation in kind in the compulsory TPL insurance payments is 15-20%. "Somewhere, that figure reaches 40%," he says, "but we see a steady trend to increase the share, by about 1 point a month."

In total, according to the results of the first half, insurers paid 68.1 billion rubles. (less than 31% than a year ago). The reduction of payments on the market is also due to a decrease in accidents on the roads.

According to traffic police, the number of accidents in the first half of 2018 was 69,600 a year earlier – 71.3 thousand According to badysts, the increase of the popularity of payments by repair and reduction of the number of accidents – all the reasons for the reduction of the average payment. "This is probably due to measures to limit the activities of self-insurers, which are carried out by local authorities under pressure from the regulator," says Aleksey Bredikhin, director of the AKRA Financial Institutions Rating Group. Here we have to rely on the SAR badessment. "According to him, theoretically repaying repairs for a portion of car owners can be an attractive alternative to transferring claims to auto insurance companies, as this reduces legal costs.

However, favorable statistics for auto insurance companies insurers should not save homeowners this fall.It should be remembered that there is an extension of the OSAGO tariff corridor of 20% in both directions.

That means an increase in the range of the basic fare for a pbadenger car from 3.4-4.1 thousand currently to 2.7-4.9 thousand rubles

In addition, the factors of age and length and accident rate bonus-malus will be revised. As we say in the union, the repair reform and tariff changes will make the OSAGO parameters more accurate, and tariff liberalization, that the mid Finance department sees the five-year perspective, not its increase, but the "transition to a fair tariff." "It is unlikely that the new data affect expected tariff changes," agrees Alexei Bredikhin

It should be noted that insurers have lost half of the year not only in payments, but also in liability insurance Compulsory automobile

January-June 2018, the volume of premiums to pay for OSAGO rises to 109.1 billion rubles ., decreased by 1.4% compared at the same time last year. This is due to the fact that the number of car owners with a reduction for auto liability insurance is increasing every year, the practice of applying a reduction on the bonus coefficient is increasing.

Tatyana Grishina