24.05.2015 02:50
Discounts for poor drivers, promised Russian President Vladimir Putin, there may be no earlier than nine months from the date of the next tariff increase insurance. “Kommersant” writes that the Ministry of Finance to the Central Bank has not yet agreed how the drivers for these categories should increase the rate of insurance.
Recall April 12 came into effect new rates for insurance. Their growth was 40-60% and was associated with a limit payment of damage to life and health of victims of road accidents – from 160 thousand. Rub. up to 500 thousand. rub. Also, insurers has been extended from 5% to 20% of the tariff corridor, within which they can now determine the tariff value.
deputy chairman Vladimir Chistyuhin believes that the mechanism for subsidizing insurance can be launched in early 2016. Deputy Finance Minister Alexey Moiseev said that drivers can organize support by reducing the factors affecting the cost of insurance policy. « Our position is that the citizens with a very large driving experience, that is, pensioners and other categories of citizens, which we would like on behalf of the President to protect, as a rule, belong to the categories that drive carefully » – he explained.
The Ministry of Finance in conjunction with the Central Bank is trying to execute instructions of Russian President, which he gave at the end of the last direct line of communication with the citizens. Vladimir Putin instructed to consider options for targeted support to low-income drivers, for which the new rates of insurance were too high. Finance Ministry proposes to reduce tariffs under review for beneficiaries of bonus-malus coefficients (MSC). MSC helps to trim the cost of insurance to drivers to reduce by 50%, or in the case of the high accident rate increase it by 2.5 times. However, according to the Russian Union of Insurers (RSA), 80% of drivers in Russia, and so this factor less than unity. Vladimir Chistyuhin, in turn, agreed to take into account that the subject of compensation to low-income citizens can be in the revision of MSC. But at the same time he pointed out that the Bank of Russia has not yet received a formal proposal from the Ministry of Finance.
The experts are afraid that the change will not solve the problem of the MSC. The head of the SAR Igor Yurgens offers subsidies for insurance rate for low-income citizens through the introduction of a social discount factor, just as it is implemented in the Crimea and Sevastopol. Currently, there is valid the territorial factor of 0.6, giving a discount of 40%.
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