Bank of Russia lifted restrictions on insurance license to LLC “Rosgosstrakh” – a 12-day ban from the market the company is completed. That the situation is not repeated with other insurers, they will have to spend more time on informing customers about the conditions of contracting. In the near future CB promises to begin to track the behavior of companies, not only at the “entrance” of the client, but also on his “out” – a regulator yesterday announced the monitoring of settlement of losses. Since defects companies turned tighter control of all market participants.
The Central Bank of the Russian Federation yesterday announced the renewal of the license of “Rosgosstrakh” in the implementation of the CTP. It was limited to May 27 in connection with the incorrect calculation of discounts, restricted sales policies and the imposition of additional services. According to the report of the Bank of Russia, the insurer presented a paper on measures to change the order of the conclusion of service contracts and “avtograzhdanki.” “We hope that all participants of the market will make the right conclusions, and will not risk their license,” – said yesterday the deputy chairman Vladimir Chistyuhin.
According to him, following the normalization of the situation the Russian Union of Insurers (RSA) will be asked to include in the rules profdeyatelnosti 18 new items. Among them – the insurer’s obligation to inform the customer about the possibility of buying a policy without any additional services, explanation of the driver, the system of discounts allowances. Also, companies should not impede the audio and video recording of the sales process. Central Bank promises to establish control over the implementation of these requirements. At first, the monitoring data will be collected on a weekly basis, then – less.
In the “Rosgosstrakh” is not taken to assess losses from the 12-day forced outage. “To us every day for the insurance policy comes to an average of 70 thousand. Man – said the” b “Vice President of” Rosgosstrakh “Dmitry Markarov.- we feel, the vast majority could not or did not want to go somewhere else, most of them come back to us. ” According to him, to replace “Rosgosstrakh” in such a short period of competitors failed. However, insurers are trying to intercept the “Rosgosstrakh” a number of attractive customer-legal entities. “Not all of our colleagues have to keep yourself within the business ethics, but to name names, I will not”, – says Mr. Markarov.
“Tasks pick list” Rosgosstrakh “we did not, – says manager of a large strahovschika.- But the people to us literally bursting of the policies that we have opened more jobs to avoid prevent complaints to the Central Bank in line or deficit policies. ” According to another insurance manager, on average, every day in the country sold 130 thousand. CTP policies, and the duration of the measures against the Central Bank, “Rosgosstrakh” observed “nedoprodazha” about 30 thousand. Policies.
Note Now insurers to become more polite, not only at the “entrance” of the client, but also on the “downstream”. According to Mr. Chistyuhin in part settlement of damages is “very large potential in terms of performance.” The details of the new monitor, he promised to tell “a month or two.”
“To achieve the quality of payments only through accredited expert technicians with the Central Bank, but not in the SAR as it works now, – said the head of the law firm” Glavstrahkontrol “Nikolai Tyurnikov.- If the insurer will not have to pay to show the affected vehicles, and provide only the conclusion of these experts, the situation is equalized for the year. ” According to him, if the Central Bank to go the way of analysis of citizens’ complaints, he would have to hire a staff of hundreds of experts in the TO, in order to verify the validity of these complaints. “Even now, with the existence of a common methodology for assessing the damage and the presence of repair manuals, the company did not manage to pay extra for insurance to 75% loss of the car owner,” – said the lawyer.
“Exhale market sooner – said” Kommersant “President Igor SAR Yurgens.- regulator have no satisfaction in the insurance situation, everyone is in a nervous state, sanitize the market and treat the nerves have jointly “.
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