Remove the "secret" stamp from the data on the insurance of liability insurance. Www.zr.ruThe expenses of drivers, which may increase due to the rise in the cost of “auto-citizens, ” are advocated by public organizations in a letter to the Central Bank - the regulator of insurance finances. The message proposes to make public the income and expenses of insurance companies (IC). The expenses of drivers, which may increase due to the rise in the cost of “auto-citizens, ” are advocated by public organizations in a letter to the Central Bank - the regulator of insurance finances. The message proposes to make public the income and expenses of insurance companies (IC).
Drivers do not understand?
How did insurers react to the letter? For a response, the editors of Za rulyom.RF turned to Rosgosstrakh (the company occupies about half of the OSAGO market). In short: the proposal of public organizations is meaningless. “We submit the most detailed reports to the Central Bank of the Russian Federation, and we send all the primary information on the concluded agreements and settled losses to the analytical service of the Russian Union of Auto Insurers. It’s hard to imagine greater transparency, ”said Dmitry Markarov, CEO of Rosgosstrakh. “The fact is that an extremely limited circle of specialists is engaged in the analysis of these statistics - this is a very special activity.” That is, if you publish the UK data, the public will still not understand what the numbers mean.
The leader of the Russian Federation of Car Owners of Russia (FAR) Sergey Kanaev, one of the signatories of the letter to the Central Bank of the Russian Federation, objected: any numbers can be deciphered, explained what lies behind them, and so that insurers are sure that they will be correctly understood, comments can be taken upon themselves. “In any case, those who pay for the insurance service have the right to understand what is happening, ” Kanaev said. “It's really hard to figure out the tangle of fragmentary information.” According to the expert, last year the country held about 600 thousand (!) Courts in claims against insurers, mainly because of underestimated amounts of compensation for losses after an accident. In 2012, motorists, according to the Association of Protection of Policyholders, did not accrue a total of more than 30 billion rubles. All 10 years of the existence of OSAGO, the aggregate amount of compensation for damage was many times smaller than the proceeds from the sale of policies, the leader of the FAR shrugs his hands. The difference last year is about 60 billion rubles. But even with such income, insurers argue that compulsory third-party liability insurance is a non-profit business, and some insurance companies even threaten. Deputy Prime Minister Igor Shuvalov described this behavior as “planned pressure on the government and the State Duma, ” the purpose of which is to persuade the authorities to increase tariffs for compulsory motor liability insurance. The Ministry of Finance has already called the insurers' rationales justified, saying that tariffs should not be raised, even if lawmakers increase, as promised, the “ceiling” of compensation payments.
However, it seems that insurers and government regulators use different inputs. “That's why we wrote in a letter to the chairman of the Central Bank: the publicity of financial and insurance statistics can remove questions about tariffs, ” says Sergey Kanaev.
The head of GlavStrakhKontrol Nikolay Turnikov told Za Rulem.RF that the authors of the letter to the Central Bank were already accused of inducing the UK to disclose commercial and even more state secrets on the grounds that there are law enforcement agencies among insurers who are not allowed to declassify . “But this reproach is far-fetched: the numbers are impersonal. Yes, and we are interested in something else: do insurers spend money by the rules? - says Turnikov. - The Law on OSAGO clearly defines: 10% of the cost of insurance - agent's remuneration of the company that sold the policy, another 10% - profit of the Insurance Company and its administrative expenses for insurance maintenance, 3% goes to the RSA reserve fund. The remaining 77% should go to repair the damage to the consumer of insurance services. Compare: now only about half of the collected money goes to compensation payments. The difference in monetary terms is tens of billions of rubles. If you don’t know the nuances, insurers can be called malicious offenders, because car owners have developed a steady distrust of them. ”
But what if the money is distributed differently? According to some reports, insurance companies pay premiums of up to 30% of the policy cost to their agents for each auto insurance contract. An involuntary question: is it too generous? Indeed, compulsory motor third-party liability insurance is mandatory insurance: there is no need to seek out drivers and clients to persuade them to draw up contracts. Another thing, with the existing competition in the insurance market, you need to manage to drag as many customers as possible into your insurance company. But this is not about the bounties of insurers. If the mentioned practice of agent bonuses does exist, then it turns out that the income of the owners of the insurance companies is much lower than that arises from the most general totals published once a year, and the fault of the insurance business before the law is at least lower.
“The question is even broader, ” continues Nikolai Turnikov. - In the Western world, information about the expenditure of insurance funds is not just open, but also forms part of state statistics. Any state and citizens need to know what damage the consequences of accidents bring. But not only that. In our country, say, data on payments up to 50 thousand rubles. would show how many drivers could use the Euro protocol rule (everyone expects that the compensation limit will be raised to this amount). This would give an understanding of how much less congestion would have occurred if the participants in the accidents drove away without a long wait for the traffic police. Everyone guesses that it is in the tens of thousands that the damage of the overwhelming number of accidents is estimated. A digital confirmation of these conjectures would most likely prompt an increase in the compensation limit for the Euro protocol, and at the same time give the supervisory authorities the principle: it is necessary to force the UK to eliminate fraud and red tape when making payments. ”
Insurers insist: it is necessary to raise rates for compulsory motor third-party liability insurance by at least 25%, they call the figure 70%, while others suggest increasing the cost of the policy four times. “These claims must be justified in some way, but prove it not by separate examples of individual insurance companies (among which almost all went bankrupt due to claims after unfair calculation of losses), but by general data on the dynamics of losses. I assure you that the specialists who help the public control of the insurance services market are competent enough to understand the numbers of event statistics on compulsory motor liability insurance, ”concluded Nikolai Turnikov.
The letter to the head of the Central Bank of the Russian Federation, Elvira Nabiullina, was signed by the president of the Russian Federation of Car Owners of Russia Sergey Kanaev, the chairman of the Union for the Protection of the Rights of Consumers of Financial Services, Igor Kostikov, the president of the Association for the Protection of Insurers, the general director of GlavStrakhKontrol Nikolai Turnikov, the chairman of the Consumers Union of Russia Petr Shelishch.