Rosgosstrakh has updated the AI model for OSAGO

2025: Optimization of the OSAGO risk assessment system for individuals

SK Rosgosstrakh"" has updated the risk assessment system MTPL of individuals, consisting of more than 30 models. machine learning With the help artificial intelligence of, the company can offer the client the most fair price for OSAGO policies. Rosgosstrakh announced this on June 9, 2025. The updated models are built into all decision-making systems within Rosgosstrakh, including calculators, according to which the client himself on the site, as well as the insurance agent or consultant in the dealer center can quickly calculate and offer insurance.

The models are based on a deep analysis of many internal and external: data driving experience, age of the car owner, region of residence, characteristics of the transport means, accident statistics, driver behavior on the road and many others. In total, more than 115 factors were included in the updated OSAGO models of individuals, and during the development more than 600 factors were tested - this volume information is almost impossible to analyze "manually" without using AI technologies.

{{quote 'We are constantly improving our Big Data Analysis and Simulation technologies, providing a thorough risk assessment based on information about contracts and insurance events. In OSAGO of individuals, AI technologies are especially in demand, since the market is large and highly competitive, - said Mariami Popova, head of the modeling department of IC Rosgosstrakh. - Thanks to the risk assessment system, the company estimates the cost of the product with high accuracy, and more than 4 million customers of the company receive a price corresponding to their risk level. This helps make insurance fairer for all road users. }}

Rosgosstrakh already uses and continues to introduce artificial intelligence technologies and machine learning models not only in the field of risk assessment, but also in other aspects of the company's activities, including in the processes of communication with the client, settlement of losses and combating fraud.