MOSCOW, 7 Aug. /TASS/. The Finance Ministry proposes not to sell the electronic insurance policy to the drivers who provided incorrect information for the contract. This norm is contained in the draft amendments to the law on insurance, which the Finance Ministry sent to the Department concerned (a copy is at the disposal of TASS). In General, the document is a draft for integrated reform of tariffs in insurance: insurers are encouraged to give more freedom in determining tariffs.
If in the process of purchase of electronic insurance policy will be clarified (including the use of automated information system) that the policyholder has provided false information, the insurer does not allow him to pay for the policy and return a statement indicating what information needs to be adjusted, to the document. In addition, the provision of inaccurate information can affect further the cost of the policy, the insurers will be entitled to apply the coefficient to the price of insurance for such insured, stated in the bill.
Previously insurers complained of fraud insurers with electronic policies, when at the conclusion of the contract, the owner specifies a region with low territorial factor to the cost of insurance (for example, Crimea, which has a coefficient of 0.6) to save money on insurance. The problem was acknowledged and the Director of the Department of insurance securities market Igor Zhuk. Now, insurers can only recover from such insured payment which on his policy was carried out by the victim.
Suggestions for billing
Also the bill, the Finance Ministry proposes to give insurers more freedom in determining the value of the base rate of CTP. Now the Bank of Russia sets minimum and maximum rates for each category of vehicle and the insurer of this corridor captures the rate value for a specific region and is obliged to apply this rate for every insured person in the region.
The Treasury proposals, insurers will be expected to build their range of basic tariffs within the established Central Bank of the corridor depending on the characteristics of the vehicle and its operation. For example, the Finance Ministry proposes to give insurers the ability to set rate depending on destination vehicle (ambulances, police, firefighters, mixer) and the purpose of its use (for household and family needs, entrepreneurship, taxi). In the current billing insurance there is no such distinction: the boundary of the tariff corridor is established for each category of vehicle, among the cars set boundaries for physical, legal persons and taxi.
The Agency also proposes that a number of factors, as now, established the Bank of Russia: in particular, the “bonus-Malus” (taking into account the number of previous insurance claims, not just the owner of the vehicle, as now, but each driver), the coefficients on the experience and age of driver. It is proposed to exclude the coefficients on the territory and power of the car.
A number of factors reflecting the “personal” driver features, it is proposed to determine the insurers. So, the Finance Ministry proposes to take into account the driver’s driving style – rapid acceleration, rebuild, brake, driving at night – that should be fixed with the help of telematics devices, which insurers are entitled to set the customer’s vehicle. In a press-service of the Ministry of Finance TASS reported that the use of such devices will be voluntary.
In addition, the Finance Ministry proposes to allow insurers to apply a factor depending on the number of the driver or the owner of the penalties for rough violations of traffic regulations: “drunk” driving, speeding in 60 km/h and more, travel into the oncoming lane, running a red light, failure to assist victims of accidents. It is assumed that these factors can work to reduce the cost of the policy. While the final cost of the policy must not be more than three times exceed the value of the base rate (as now, with now in the law on CTP, a number of cases – for example, deliberate promotion of an insurance case, when the “ceiling” of prices shall be five times to the base rate).
Three kinds of policies
The Finance Ministry proposes to divide policies into three types depending on the limit of payment: in addition to the existing limit of 500 thousand rubles for the damage of life and health of each injured and 400 thousand rubles for damage to the property, the office proposes to introduce policies with a limit of 1 million rubles for the damage of life and 1 million rubles for damage to the property and with a limit of 2 million and 2 million, respectively. The sum insured chosen by the policyholder, and the insurer is not entitled to impose his own version of the document. With this idea, the Ministry of Finance played in September 2016, but in the end the bill was not submitted to the Duma.
The present document assumes that the coefficients to the value of the policy with an increased limit also establishes Bank of Russia.
In addition, the document allows you to enter into a contract of insurance for a period of more than one year (the period must be a multiple year and shall not be less than one year).
The bill was sent for approval to the concerned Executive authorities and the Central Bank and the Russian Union of insurers, told TASS in the press service of the Ministry of Finance.