OSAGO Compulsory civil liability insurance

Why do I need OSAGO

This car insurance is needed to protect people who have been involved in road accidents. If you crashed or damaged another car, a shop window, a fence in your car, crippled someone and are to blame for an accident, then the insurance company will pay for these losses to the victims within the insurance amount.

The cost of the OSAGO policy and restrictions on payments are fully regulated by the state. This guarantees the low cost of insurance and the obligation to pay in the event of an accident.

The maximum amount of insurance (payment) is:

• up to 160 thousand rubles for causing harm to life and health to each victim;
• up to 120 thousand rubles for damaged property to one victim or up to 160 thousand rubles for all.

The amount of these payments can be increased due to voluntary civil liability insurance (DSAGO). This service is offered by many insurers - for a small surcharge, the upper threshold of these numbers can be increased several times.

Without an OSAGO policy, you do not have the right to drive a car (a fine is due for this), you cannot register your car with the traffic police. Each driver who gets behind the wheel of a car must be entered into the OSAGO policy, or it must mark that the number of drivers is "without restriction."

The OSAGO policy must be stored together with documents for the car and presented to the traffic police inspector at the first request. If you forget him at home, then the representative of law enforcement has the right to send your car to the parking lot. We recommend you don't throw out old policies for five years after they end - this could make your future insurance cheaper.

You need to know that the OSAGO policy does not protect against theft or damage to your car. For full protection of the car, it is recommended to purchase a CASCO policy.

How the price of the OSAGO policy is calculated

Inexperienced pay more

Despite the fact that the law establishes the basic OSAGO tariff, many factors affect the cost of the policy. The most expensive OSAGO will cost young drivers and drivers with driving experience of up to three years. Both factors increase the cost of OSAGO (increasing coefficients from 1.3 to 1.7 are used), therefore, when calculating the tariff, it is necessary to take into account the age of the driver (up to 22 years) and the number of years of practice while driving.

Insurance rates for OSAGO have different costs for emergency and accident-free driving. Experienced drivers who have not created an accident for several years are provided with significant discounts; the more accident-free driving experience, the higher the amount of incentive. Since several drivers are often allowed to drive a car, it is considered permissible to apply this reduction factor for OSAGO only taking into account the driving history of each of them.

The cost of OSAGO increases if the number of drivers admitted to driving the vehicle is not limited (a coefficient of 1.7 is added to the tariff).

Muscovites pay the most

How OSAGO is calculated is influenced by the region in which the car is "registered": insurance tariffs are significantly increased for Muscovites and Petersburgers (increasing coefficients 2 and 1.8 are used, respectively); in the Moscow, Leningrad regions and in large cities of the Russian Federation, the increasing coefficient is 1.3-1.7, but in unprofitable regions a decreasing coefficient is used.

Many drivers - higher price

And, of course, the cost of a car citizen depends on the car itself, or rather, on the engine power. Since the amount of horsepower affects the cost of insurance in both directions, owners of low-power cars can consider OSAGO cheap, and strong cars expensive.

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2024: Data on taxi carriers' availability of OSAGO policies will flock to Taxi GIS

At the end of March 2024, it became known that data on the presence of OSAGO and OSGOP (compulsory civil liability insurance of the passenger carrier) policies in taxi carriers will be centrally accumulated in the federal state taxi information system (FGIS Taxi). Regional authorities will be able to receive this information from 2025. Read more here.

2023

Sales of electronic OSAGO in Russia increased and occupied 62% of the market

In 2023, 25.5 million electronic OSAGO policies were sold in Russia, which is 9.8% more compared to 2022. The Russian Union of Auto Insurers (RSA) cited such data in January 2024.

According to the President of the RSA Yevgeny Ufimtsev, electronic OSAGO in 2023 accounted for about 62% of sales of compulsory "auto citizen" policies. In 2022, this share was 57%, a year earlier - about 50%. The top 15 leading regions in the sale of electronic OSAGO policies in 2023 is as follows

• Moscow (2.5 million e-OSAGO policies, 9.7% of all sales of electronic OSAGO policies in Russia);
• Moscow region (1.4 million e-OSAGO, 5.4%);
• Krasnodar Territory (1.1 million e-OSAGO, 4.1%);
• Sverdlovsk region (876 thousand e-OSAGO, 3.4%);
• St. Petersburg (800 thousand e-OSAGO, 3.1%);
• Tatarstan (767 thousand e-OSAGO, 3%);
• Chelyabinsk region (734 thousand e-OSAGO, 2.9%);
• Samara region (613 thousand e-OSAGO, 2.4%);
• Novosibirsk region (607 thousand e-OSAGO, 2.4%);
• Rostov region (607 thousand e-OSAGO, 2.4%);
• Voronezh region (544 thousand e-OSAGO, 2.1%);
• Krasnoyarsk Territory (541 thousand e-OSAGO, 2.1%);
• Bashkortostan (531 thousand e-OSAGO, 2.1%);
• Nizhny Novgorod region (507 thousand e-OSAGO, 2%).
• Altai Territory (499 thousand e-OSAGO, 2%).

25.5 million e-CTP policies were sold

The increase in the popularity of electronic policies may also be associated with the general growth in sales of new vehicles, said the general director of NSISNikolai Galushin, whose opinion is quoted by the Kommersant newspaper.

According to the analyst of "Банки.ру" Alexander Makarov, they restrain the development of electronic policies and the fears of the insurers themselves, in particular, their "risk appetite." Everyone who wanted to buy OSAGO online has already, in principle, done this, that is, an attractive segment of high-quality clients is already covered by policies, the expert explains.^[1]

It is now possible to issue compensation for OSAGO online - through "Public services" and the "State Key" application

At the end of October 2023, the Bank of Russia issued an explanation on the operation of the online service "Compensation for losses after an accident under OSAGO" to electronically resolve the loss. According to the regulator, the service is available only for users with a confirmed account on Public services, and the State Key mobile application is also needed to sign electronic documents. Read more here.

The Central Bank allowed insurance companies to take data from GIS for quick registration of electronic OSAGO

The Central Bank of the Russian Federation allowed insurance companies to take data from the Insurance GIS for quick registration of electronic OSAGO. The changed rules for issuing a compulsory civil liability insurance contract using electronic documents were published at the end of October 2023. Read more here.

Chechnya took first place in the number of highly unprofitable OSAGO contracts. Anti-rating of regions

The Russian Union of Auto Insurers (RSA) has identified 10 leading regions in terms of the share of highly unprofitable OSAGO contracts for the period from July 1, 2022 to June 30, 2023. The organization disclosed the results of its study in August 2023.

The first three anti-rating included the Chechen Republic, where 77% of all concluded "auto citizens" agreements in the region are transferred to the pool, as well as the Republic of Dagestan with a close indicator of 76% and Primorsky Territory with a share of such agreements in 53% of the total number of OSAGO agreements concluded in the region.

RSA identified 10 leading regions in terms of the share of highly unprofitable OSAGO contracts

In the fourth - the Republic of Tuva (46%), in the fifth - the Republic of North Ossetia-Alania (44%), in the sixth - Ingushetia (42%), in the seventh - the Kabardino-Balkar Republic (41%), in the eighth - the Republic of Buryatia (35%), in the ninth Karachay-Cherkess Republic (31.5%), in the tenth - the Republic of Sakha (26%). At the same time, the smallest share of contracts transferred to the reinsurance pool was recorded in Moscow and St. Petersburg: in Moscow, 5% of contracts were transferred to the pool, in St. Petersburg - 4.6%.

The first lines of the ranking of regions in terms of the share of highly unprofitable contracts transferred to the reinsurance pool are occupied by the same regions. This speaks, first of all, of the high risks of CTP fraud in these regions, and often also indicates a high frequency of accidents in them and a low level of road safety. As a result, car owners from these regions have to pay more for OSAGO policies than their neighbors. As the experience of other regions shows, it is possible to effectively solve such problems with the help of working groups of representatives of insurance companies and regional authorities, - commented on the results of the study, RSA President Evgeny Ufimtsev.[2]

Electronic settlement of OSAGO policies is launched in Russia

On July 15, 2023, a law introducing an electronic settlement in OSAGO will enter into force. At the end of June 2023, the head of the All-Russian Union of Insurers (ARIA), the Russian Union of Auto Insurers (RSA) and the National Union of Liability Insurers (NSSO) Evgeny Ufimtsev named the advantages of the innovation.

In his opinion, the electronic settlement of OSAGO policies, the reduction of the terms of contracts to this type of insurance to one month and the work of the "subsidiary" of the Bank of Russia "National Insurance Information System" (NSIS) will make the insurance market more innovative.

The law introducing an electronic settlement in OSAGO will come into force

Currently, things related to IT are the most important. I think what will happen literally in three weeks is the launch of the so-called "electronic settlement," the possibility of filing an electronic application is another milestone for the insurance community to plunge even more into this digital age and become even more digital, innovative. This will require many important decisions, "he said at the end of June 2023.

From July 15, 2023, insurance companies will have to provide an electronic settlement on OSAGO when registering an accident on a European protocol with an application through the State Public services portal, and will also be able to voluntarily provide a full online settlement service. At the same time, it will remain possible to issue a payment for OSAGO in the traditional way - by visiting the office of the insurance company.

According to "Банки.ру," not all insurers are ready to resolve insurance cases completely remotely. Many companies accept scans of documents and photos of the inspection of the consequences of an insured event through their mobile application (this allows you to exclude the fact of fraud and make sure that the risk covered by insurance has been realized). But not all insurers are ready to accept an online application to settle the insured event. To do this, it must be signed with an electronic digital signature. As explained in the All-Russian Union of Insurers, changes in the legislative framework allow you to sign applications for insurance compensation for EP. It is possible to use an enhanced qualified EP, which has long been used in various fields. The second option is an enhanced unqualified EP (UNEP). It is to him that insurers are now of maximum interest. The UNEP key must be created on the "Public services." However, for now, insurers prefer to accept applications for the settlement of an insured event on paper.^[3]

2022

The number of contracts with legal entities decreased by 13% to 54 thousand.

The number of OSAGO contracts concluded with legal entities in 2022 decreased by 13% compared to 2021 - to 54 thousand. In the segment of individuals, the decline amounted to 5%, to 121 thousand. Such data from the Central Bank of the Russian Federation were published in early June 2023.

As Kommersant writes with reference to the statistics of the regulator, in 2022, insurance companies collected 2.4 billion rubles and 2.1 billion rubles for legal entities under OSAGO in the segment of individuals. The average premium was 20 thousand and 41 thousand rubles, respectively. According to the publication, we are talking about record fees in the segment of individuals, which is mainly associated with the price factor.

Experts associate the reduction in the number of concluded OSAGO contracts with the concealment by drivers of the status of a taxi driver

The growth of the premium was due to the expansion of the tariff corridor, said ACRE Alexey Bredikhin, director of the group of ratings of financial institutions. Since taxi insurance is unprofitable, all insurance companies keep tariffs for them at the maximum possible level. In particular, according to the Central Bank, payments under OSAGO agreements concluded in 2018-2020 in relation to fees amounted to 122-125%. Therefore, as soon as there is a legal opportunity to raise the price, this immediately happens, adds Bredikhin.

Experts interviewed by the newspaper attribute the reduction in the number of concluded contracts to the concealment of taxi driver status by drivers. The cost of a taxi policy is much higher than for other cars, this prompted some car owners not to indicate that the car is used as a taxi, explains Alexey Bredikhin. The Russian Union of Auto Insurers (RSA) confirms that some cars are not insured as taxis:

In 2022, OSAGO contracts were concluded with 170 thousand taxis. At the same time, according to the analytical center under the Russian government for 2021, there are about 400 thousand taxi cars in the country. This indicates that most of the taxi drivers hide the real purpose of using the car when concluding an OSAGO contract.[4]

OSAGO fees increased by 21.1% - Central Bank of the Russian Federation

In 2022, insurance fees for OSAGO in Russia reached 273.1 billion rubles, an increase of 21.1% compared to 2021. This is evidenced by the data of the Central Bank of the Russian Federation, published in mid-March 2023.

According to the regulator, the growth of compulsory car insurance occurred against the background of a sharp rise in price of spare parts. Insurers were forced to raise prices, while the number of concluded OSAGO contracts also increased.

In Russia, OSAGO fees for 2022 increased by 21.1%.

The Central Bank noted the expansion of the corridor of the basic OSAGO tariff, which made it possible to take into account the characteristics of specific drivers and car owners when selling insurance, correlating the cost of policies with different levels of risk.

The main increase in OSAGO payments  in 2022 fell on payments in the event of damage to the property of the victims. The volume of payments for causing harm to the life and health of victims decreased as a result of a decrease in the number of dead and injured in road accidents in 2022

In 2022, the average cost of an OSAGO policy increased by almost a thousand rubles, to 6.6 thousand rubles. At the same time, the average insurance payment increased to 70 thousand rubles. In total, in 2022, car insurers paid 159.8 billion rubles (+ 11.3%) due to an increase in the number of insured events and an increase in payments. The number of complaints about the settlement of losses decreased by 2.3%.

The availability of OSAGO for young and inexperienced drivers, taxi owners  of parking cars, as well as drivers who have repeatedly been the culprits of accidents, supported the launch in April 2022 of a reinsurance pool, the members of which should be all insurers carrying out this type of insurance, added to the Central Bank.

Review of key performance indicators of insurers

Growth of total OSAGO fees by 16%, to 273.5 billion rubles - RSA data

At the end of 2022, the total amount of payments to Russian insurance companies under OSAGO policies increased to 157.3 billion rubles from 153 billion rubles a year earlier. At the same time, in 2022, the number of road accidents significantly decreased, as a result of which the declared and settled losses under OSAGO turned out to be 6-7% less. If the number of accidents remained the same, the cumulative increase in payments would amount to more than 10 billion rubles, significantly affecting the OSAGO economy. This was announced in early February 2023 by the Russian Union of Auto Insurers (RSA).

Total OSAGO fees in 2022 increased by 16% and amounted to 273.5 billion rubles against 235.9 billion rubles in 2021. This will make it possible to form increased insurance reserves, which in the future will be aimed at compensation for damage to victims under contracts concluded at previous insurance rates, however, the amount of payments for which will be calculated in the new conditions - after the rise in price of spare parts and an increase in prices in directories, noted in the RSA.

OSAGO insurers' fees increased by 16% in 2022

The average payment for OSAGO in the whole of 2022 amounted to 76,858 rubles, an increase of 10% compared to the average payment in 2021 (70,124 rubles). However, since June, when new directories for the average cost of spare parts came into force, the growth in the average payment month to month has been significantly higher. So, in June 2022 (on June 19, new directories of the average cost of spare parts came into force, in which the average cost of spare parts increased by 30.6%), the average payment for OSAGO increased compared to the average payment of June 2021 by 15% (75,514 rubles in June 2022 against 65,662 rubles in June 2021).

Then the average payment grew by several percent monthly, reaching 91,315 rubles by December 2022, which is 23% more than the average payment of December 2021 (74,269 rubles) and 28% more than the average payment of January 2022 (71,379 rubles). Due to a sharp decrease in car sales by 4%, the number of OSAGO contracts decreased - from 42.1 million to 40.3 million units.^[5]

OSAGO payments increased by 21%

At the end of 2022, the average OSAGO premium in Russia amounted to 6,793 rubles against 5,599 rubles a year earlier (an increase of 21%). For passenger cars of individuals, the growth of average premiums was lower: the average premium in 2022 amounted to 6370 rubles against 5441 rubles in 2021 (+ 17%). This is evidenced by the data of the Russian Union of Auto Insurers (RSA), which were published on January 24, 2023.

According to the statistics presented, in terms of casco policies, according to the Bureau of Insurance Histories (BSI), in 2022 the average premium increased slightly and amounted to 40,052 rubles against 39,805 rubles in 2021.

OSAGO payments in 2022 amounted to 6,793 rubles

According to the President of the RSA Yevgeny Ufimtsev, 60-70% in the structure of payments falls on spare parts, the rest - on paints and repairs.

The increase in the cost of spare parts naturally led to a sharp increase in payments, and to a slower, but still noticeable increase in the average OSAGO premium. Thanks to the reform to individualize tariffs in OSAGO, insurers can set a premium on the mandatory "car citizen" depending on the degree of potential driver accident. This increased competition between insurance companies for accident-free car owners, as a result of which the increase in premiums for them is significantly less noticeable than for emergency drivers, "said Evgeny Ufimtsev.

According to analysts at the NKR rating agency, in 2022, total OSAGO payments in the event of harm to life and health fell to about 6 billion from 6.6 billion rubles in 2021. Such a trend is a consequence of a decrease in the frequency of insurance events, which is confirmed by the statistics of the traffic police, is explained in the review.

In general, the system of limits of insurance compensation in OSAGO "needs to be revised, since it does not fully compensate for the damage from the consequences of an accident," NKR experts emphasize. By the end of 2022, the maximum limit on payments for life and health was set at 500 thousand rubles, for damage to a car - 400 thousand rubles.^[6]

In Russia, they begin to fine for the lack of OSAGO using cameras

At the beginning of 2023, Russian motorists will be fined for the lack of OSAGO policies recorded using road cameras. Evgeny Ufimtsev, President of the Russian Union of Auto Insurers (RSA), spoke about this in December 2022 in an interview with Rossiyskaya Gazeta. Read more here.

Registration of payments to disabled people under OSAGO has turned into a "figure" in the Moscow region

To receive compensation for insurance under the OSAGO agreement, residents of the Moscow region with disabilities no longer need to visit the MPSC. You just need to issue an application on the portal of public services of the Moscow region. This was reported on July 15, 2022 by the Ministry of Public Administration, Information Technologies and Communications of the Moscow Region. Read more here.

Reinsurance pool for OSAGO created

On April 12, 2022, a law came into force on the creation of a reinsurance pool for OSAGO, on April 20 it is planned to launch the mechanism. This means that insurance companies that have become part of a professional association will be able to redistribute risks among themselves for highly unprofitable types of insurance (for example, taxis). Market experts and legislators are confident that this measure will increase the availability of OSAGO policies and allow insurers to reduce the financial burden, while continuing to fully fulfill their obligations to car owners even during the crisis.

For April 2022, there is an analogue of the reinsurance pool - the E-Guarantor system, with the help of which the insured can apply for an OSAGO policy if for some reason he failed to do this directly in the insurance company. However, this system has a number of restrictions, such as a relatively small number of insurance companies with which you can conclude an agreement through it, the inability to conclude OSAGO contracts for legal entities, etc. The reinsurance pool mechanism will get rid of all these restrictions.

First of all, the client will be able to issue an OSAGO policy directly from the insurance company and receive it in any desired form - electronic or paper. Since the risks are divided between all participants in the reinsurance pool, insurers will more actively conclude contracts with problem customers. In addition, the client can be sure that upon the occurrence of an insured event, the payment will be made in a timely manner and in full. Also, the creation of a pool will have a positive effect on the cost of policies.

To become a member of the reinsurance pool, companies will not need a separate reinsurance license, only an OSAGO license. This will significantly expand the number of companies participating in the pool, since a license for reinsurance activities requires a minimum authorized capital of 600 million rubles, which many companies on the market do not have. Thus, the policyholder will be able to choose from many companies the most suitable for himself, not limited to a narrow set of organizations, as is now happening in the E-Guarantor system.

The introduction of the pool mechanism is the most important step for the entire insurance community, which will make life much easier not only for insurers, but also for car owners. The driver will be able to directly apply for an OSAGO policy on the website of the insurance company he likes, bypassing several stages that E-Guarantor users face. First of all, this applies to high-risk segments of policyholders, taxi drivers, young drivers, etc. This is one of the many measures to support our clients, which is being taken by insurers and government agencies in this difficult time. We also continue to actively work on the introduction of a system for remote settlement of losses under OSAGO and do everything possible to make car owners feel as secure as possible and receive high-quality services regardless of the circumstances, said Evgeny Ufimtsev, executive director of the Russian Union of Auto Insurers.

2021

The largest insurance companies under OSAGO

In July 2022, the Kommersant newspaper published an article in which it named the largest OSAGO companies in Russia. The market leader is RESO-Garantia, which in 2021 received insurance premiums in the amount of 40.33 billion rubles (+ 5% by 2020) and paid 24.1 billion rubles (+ 34%) to customers. AlfaStrakhovanie and Ingosstrakh also got into the top 3.

According to statistics from the Central Bank of Russia, fees for mandatory "auto citizens" in Russia in 2021 reached 225.5 billion rubles (+ 2.5% or 5.5 billion rubles compared to 2020). Total payments amounted to 143.6 billion rubles, which is 4.5% more (or 6.2 billion rubles of the indicator of one year ago. The number of concluded OSAGO contracts in 2021 increased to 39.9 million from 39.7 million a year earlier. In the market as a whole, OSAGO insurers paid 63.6% of fees for the same period (in 2020, the figure was 62.4%).

The largest insurance companies for OSAGO are named

The average premium on OSAGO in 2021 amounted to 5649 rubles (+ 1.8%), follows from the data of the Central Bank. The most expensive policy remained with Megaruss-D - 10,833 rubles. But the company has only 24 contracts concluded per year, so it has practically no effect on the OSAGO market.

Of the top 20, the most expensive average policies are with Renaissance Insurance (7420 rubles) and Tinkoff Insurance (7092 rubles).

The average policy of RESO-Guarantee cost 6688 rubles in 2021, AlfaStrakhovanie - 5782 rubles, Ingosstrakh - 6211 rubles, Rosgosstrakh - 5048 rubles, VSK - 5769 rubles.

Among companies with average price tags of less than 5 thousand rubles. - Sovcombank Insurance, Euroins, Sberbank Insurance, Helios, Yugoria and Energogarant. Less than 4 thousand rubles. cost the average OSAGO buyer the policies of Astro-Volga, Adonis and Borovitsky Insurance Company^[7]

Increase in OSAGO payments by 11%

Payments under the system of compulsory insurance of motor liability (OSAGO) for 2021 increased by 11% compared to 2020 and reached 150.88 billion rubles. Such data at the end of March 2022 were published by the Russian Union of Auto Insurers (RSA).

The average insurance premium that a motorist pays for the purchase of an OSAGO policy in 2021 remained at the level of the previous year - 5590 rubles. The number of concluded contracts increased by 2.3% - from 41.3 million in 2020 to 42.2 million a year later. The total amount of fees also increased by 4% - from 226.985 billion to 236.001 billion rubles.

OSAGO payments for 2021 increased by 11%

The number of declared insurance cases in 2021 increased by 12% - from 2.06 million to 2.3 million accidents. The number of settled insurance events increased by 17%, from 1.85 million to 2.16 million incidents.

RSA President Igor Yurgens, commenting on the results of 2021 in the OSAGO market, noted that this type of insurance is a socially responsible business, and statistics once again confirm this. Against the background of sharp fluctuations in the cost of auto parts, which were observed during the coronavirus (COVID-19) restrictions, and the growth of payments, the average price of the compulsory "auto citizen" policy remained unchanged. Insurers manage to maintain the cost of the policy at the same level and with geopolitical tensions, sanctions and noticeable price increases, said Jurgens, whose words are quoted by the RSA press service on March 29, 2022.

OSAGO did not rise in price due to the individual calculation of tariffs - the reform aggravated competition between insurers and they reduced tariffs for car owners who do not bring losses, the RSA explained. According to the results of the first half of 2021, the discount for accident-free driving received 3.3 million more drivers than a year earlier.^[8]

Dagestan is the main center for fraud with OSAGO

As it became known in August 2021, Dagestan remains the main center for fraud with OSAGO, the Bank of Russia said. The rolling payout ratio was 171% (2.7 times higher than the all-Russian one). The average insurance payment remained at the level of 77.1 thousand rubles (13% higher than the all-Russian indicator).

Payments in Dagestan exceeded the fees of insurance premiums by 1.2 billion rubles - the largest in absolute terms negative financial balance for OSAGO among all subjects of Russia.

The high-risk zone includes 10 subjects of Russia, including six subjects of the North Caucasus Federal District. The total share of insurance premium fees classified as a high-risk zone amounted to 5.5% of the Russian OSAGO market, while the contribution of these constituent entities of Russia to insurance payments reaches 10.3%.

Prime Minister Mishustin opened marketplaces access to the IT system of OSAGO

Prime Minister Mikhail Mishustin signed a decree of the Government of the Russian Federation, according to which operators of digital financial platforms (marketplaces) will have access to an automated information system for OSAGO. The press service of the Cabinet of Ministers announced this on January 22, 2021. Read more here.

2020

Personalization of tariffs after the launch of a new IT system for 2 billion rubles

On August 24, 2020, a law on the personalization of OSAGO tariffs came into force. This happened a month after the launch of a new IT system for this type of insurance.

When calculating the base rates, insurers now have the right to take into account various risk factors that increase the likelihood of an insured event. For example, rates can be raised for drivers who regularly violate traffic rules, including those prosecuted for drunk driving.

In addition, insurance companies will take into account the color and date of production of the car, marital status and the presence of children, body shape, engine power, participation in accidents without guilt, installation of telematic equipment on the vehicle, etc.

OSAGO tariffs became personalized after the launch of a new IT system from EPAM

Before the amendments came into force and the risk profile appeared, the tariff was the same for all drivers of the same city and region. In fact, deystvo­vala terri­torialnaya binding.

The Russian Union of Auto Insurers (RSA) believes that the new rules of the game in the OSAGO market will lead to an aggravation of competition between insurance companies for good customers, that is, for drivers who carefully drive and do not get into accidents, companies will fight for customers by the most profitable offer of the cost of the policy.

It is expected that policies for disciplined drivers will remain in the same category or even become a little cheaper, but drivers with an aggressive driving style will have to pay more.

At the same time, since August 24, the corridor of basic rates of OSAGO tariffs for passenger cars of individuals has been expanding by 10% down and up (from 2,471 to 5,436 rubles). For legal entities, the corridor will increase by 20 percent in both directions, and for taxis - by 30%.

At the same time, innovations maintain a restriction on the maximum amount of insurance premium under the OSAGO agreement. For its calculation, special calculators will be posted on the websites of insurers.^[9]

The new OSAGO system was developed by Epam for 2 billion rubles

On June 28, 2020, the launch of the new automated information system (AIS) of OSAGO took place, and the project developers became known. Read more here.

Launch of a new IT system for OSAGO

On June 16, 2020, the Russian Union of Auto Insurers (RSA) announced preparations for the launch of a new IT system for OSAGO. It will start working on June 28 and will receive several new technological solutions. Read more here.

2019

The average price of an OSAGO policy decreased by 5%

The Bank of Russia's initiative to liberalize OSAGO tariffs, worked out jointly with the insurance community, demonstrate good results. In 2019, the average price for an OSAGO policy decreased by 5%, and the number of contracts increased by 1.3%. Alfa-Insurance, Reso-Garantia and Ingosstrakh, one of the key lobbyists for the reform, believe that over 15 years the legislation, including the latest changes under the reform, has been significantly improved both in terms of pricing and in terms of compensation. However, representatives of companies believe that the reduction in the cost of OSAGO depends on further reform of this direction, when the tariff for the policy will be individual for each driver. What is now lobbying both the Central Bank, the SCC, and the State Duma Committee on the Financial Market.

An application for registration of minor accidents without calling the traffic police has started working in Russia

On November 1, 2019, the OSAGO Assistant application was launched, which allows motorists to register minor accidents without the participation of the traffic police. The program was launched in Moscow, the Moscow region, St. Petersburg, the Leningrad region and Tatarstan. Read more here.

Fines from cameras for lack of OSAGO will be issued from the beginning of 2020

At the end of August 2019, Deputy Prime Minister Maxim Akimov named the timing of when drivers in Russia will be fined for driving without OSAGO policies if photo and video recording cameras have registered a violation. Read more here.

Drivers in Russia will be able to present OSAGO on a smartphone

On August 13, 2019 MINISTRY OF INTERNAL AFFAIRS Russia , it announced the development of amendments to the Rules of the Road (SDA), which adjust the list of documents submitted for inspection to employees. As TRAFFIC POLICE part of these innovations, drivers are allowed to present an electronic OSAGO policy on the screen. smartphone

In accordance with the proposed amendments, the driver who has issued an OSAGO agreement in electronic form will be able to present to the traffic police officer for verification both a copy of the insurance policy on paper and in the form of an electronic document on any electronic device or medium, the Ministry of Internal Affairs said in a statement.

Drivers will be allowed to present to the traffic police officer an electronic OSAGO policy on a smartphone or other electronic device

The traffic police officer will be able to check the validity of OSAGO through the automated information system of compulsory insurance. 

By August 13, 2019, the draft government decree is undergoing a public discussion procedure on the Unified Portal for posting information on the development by federal executive authorities of draft regulatory legal acts. The draft resolution is designed to bring the provisions of traffic rules in line with the norms of the federal law on OSAGO, explained the official representative of the Ministry of Internal Affairs of the Russian Federation Irina Volk.

While drivers - owners of electronic OSAGO - are obliged to have a paper copy of the electronic policy with them. Earlier, the Central Bank changed the rules for issuing such policies. In particular, the regulator has established requirements for electronic copies of documents that customers upload to the insurer's website.

Since January 1, 2017, all insurance companies are required to sell "auto citizen" in electronic form. However, this innovation did not help overcome the market for fake OSAGO: by mid-2019, the number of such cases of fraud increased by 20%, and both paper and electronic documents turned out to be fakes.^[10]

Road cameras began to calculate drivers without insurance in Russia

In early August 2019, it became known that road cameras in Moscow began to calculate drivers without an OSAGO policy. The system is being tested, during which instead of a fine, motorists receive letters  from the traffic police with a recommendation to take out insurance.

The letters say that when the testing is over, car owners will receive a fine of 800 rubles. Drivers are also invited to call the hotline of the Russian Union of Auto Insurers (RSA) if a mistake is made and there is insurance , the article says.

ГИБДД, столичный Traffic Management Center (DPC) the Russian Union of Auto Insurers (RSA) began testing in Moscow a system for automatically checking the presence of an OSAGO policy using road cameras

According to Kommersant, citing RSA President Igor Yurgens, pilot tests before the launch of the project lasted several months and revealed 730 thousand drivers without insurance. They double-checked the data after 20 days.

The deviation in numbers was isolated, which means that only a few of them bought an OSAGO policy during this time, "he said.

By the beginning of August 2019, the mechanism for interaction between the exchange and reconciliation of information about violators was not automated. The traffic management center sends data on all unique passages to the traffic police on a specific day, the traffic police supplements them with information about the body number, chassis, VIN, other data and forwards this array to the PCA. The latter, using its own database, forms a list of car owners who do not have a policy and sends it back to the traffic police, where an information letter is formed.

The system of photofixing violators who do not have an OSAGO policy, after conducting a pilot in Moscow, will work in other cities, according to the RSA. In particular, it is planned to launch Kazan and St. Petersburg. Subsequently, the technology is extended to the whole of Russia, but the timing is not called.

The choice of Moscow as a place for primary testing of the system is not accidental. By the beginning of August 2019, more than 1.5 thousand cameras are operating in the Russian capital (they are in the introduction of the data center), they record about 50 million driveways of all cars ( 3 million vehicles) per day^[11]

The launch of the OSAGO inspection system by road cameras is delayed due to technical problems

On February 1, 2019, it became known about problems with the launch of road cameras into OSAGO inspection systems. The Ministry of Internal Affairs of the Russian Federation and the Russian Union of Auto Insurers (RSA) could not fulfill the government's order to combine information databases on time.

Their integration is necessary in order to effectively check policies. The essence of the mechanism is as follows: the PCA will create a list of valid policies and car owners for a specific date, TRAFFIC POLICE and will add car numbers. Then this information is transmitted to the data center, where violators are already identified. If detected transport without a policy, checks are scheduled in the reverse order, from DATA CENTER DATA CENTER to the PCA. This will be followed by a fine of 800. rubles

The deadlines set by the government for the test run of checking the availability of OSAGO policies using automatic fixation cameras expired on February 1, 2019

Deputy Prime Minister Maxim Akimov instructed to create a system for checking the availability of an OSAGO policy for drivers traveling on the roads by February 1, 2019, but technical difficulties arose, Kommersant writes.

Firstly, it turned out that in the database of the traffic police and the automatic information system of OSAGO there are "certain discrepancies" in information about vehicles. So, for example, in policies with errors, VIN numbers can be recorded. According to reports, corrections or additions require about 6 million policies entered into the database.

In addition, as the executive director of the RSA Evgeny Ufimtsev told the publication, drivers often do not bother informing insurers about the registration plates of cars. This happens, for example, when applying for a policy before registering a new car with the traffic police: the contract is concluded for a car that does not yet have a license plate, and upon receipt of numbers, drivers do not always report this to insurance companies.

Even if the bases can be combined, the launch of the system is fraught with risks for drivers, warns Grigory Shukhman, an expert on photo and video recording systems. We are talking, for example, about conscientious drivers who unknowingly bought a fake policy, they will face a fine.^[12] 

2018: Moscow launches OSAGO inspection system with road cameras

In early September 2018, it became known about the launch in Russia of a system for automatic verification of OSAGO policies from motorists. The project starts in Moscow in November, and then it can be extended to the whole country. Read more here.

Links

OSAGO calculator for Sravni.ru

Notes