But for someone more expensive and cheaper insurance policy
How to change the price of the insurance policy?
So, under the current system of calculation of the cost of the policy CTP is not called fair. After all, today it turns out that a neat driver that is not their fault in the accident, that is, not violate traffic rules, paying more than you should, then as an emergency driver, often gets into an accident, though, and pays significantly more than the careful driver, still pays little unfair.
Also today the coefficients of “age – experience” when calculating the cost of insurance policy do not reflect all possible risks for insurance companies. It is logical that the smaller the experience and age of the driver, the more they have to pay for insurance policy, as they have a greater chance of having an accident. In the end, from 1 January 2020 in Russia will begin the main phase of liberalization of tariffs OSAGO. So, it is planned, as we have said, the change in the coefficients on age and experience. In the end, instead of today’s five values according to age/experience will be introduced 50 different coefficients.
According to CBR, the new system will not lead to a significant rise in the cost of the policy. Although, of course, that the grandmother has in two told. It all depends on how you count and what kind of driver it is. If young, without experience, here are the new rates in 2020 will surprise many young drivers.
Our online edition 1gai.ru offers you example of calculating the cost of insurance policy by new factors “age – experience” (KBC), which will enter into force on 1 January 2020 and which will significantly affect the final cost of the policy (exactly the same as the most important factor a bonus-Malus (MSC) that is currently on the final cost of the policy). As an example, we are also on the official website of the Russian Union of motor insurers (RAMI) has calculated the cost of the policy for the same driver, if he bought the insurance policy today.
So, let’s calculate the cost of a policy for a young 20-year-old driver, living in Moscow, only recently received a driving license and bought a new Hyundai Solaris (power 123 BHP). Policy expect no tolerance of other drivers, when operating the machine for a year. It has insurance valid for 1 year.
Calculator RCA on their website, we get the following:
It turns out that within the current tariffs, the cost of the policy young driver will be from 12 252.24 to 14701.26 RUB Now let’s see how much it will cost vehicle insurance policy for the same driver, assuming that he got the rights in 2020 and bought the same car with the same power, I decided to buy the insurance policy on tariffs, which will be effective from 1 January 2020.
According to the new coefficients of “age – experience” (FAC), starting from 1 January 2020, the calculation of CTP insurance policy for a young driver with no driving experience will be applied to the FAC with a value of 1.87 (instead of the current ratio of 1.7). Accordingly, this will increase the cost of insurance at least 9%.
With regards to the extension of tariff corridor, it is unlikely that the insurance company wants to expect a young driver without experience value of the insurance policy at the lower boundary. Most likely, calculation of insurance policy will be the upper limit of the basic rate, which by 2020 will certainly expanded.
Recall now that the basic tariff corridor cost of the policy CTP installed CB from 3 to 4 432 118 rubles for cars that are owned by individuals and individual entrepreneurs. After the expansion of the tariff corridor plug the base fare will expand and will start from 2 746 roubles, and end at 4 942 rubles.
As we have said, it is likely that most insurance companies prefer to sell insurance policies at the upper limit of the fork tariff corridor. Accordingly, if you take the driver, which we pointed out as an example, it is likely that the insurance company will calculate in 2020 the total cost of insurance, based on the upper limit of the basic rate. That is, based on 4 942 rubles, compared with today’s top strap base fare on 824 RUB more. So what can this amount to add to the final cost of the policy in 2020.
So, based on today’s insurance CTP on the website of the PCA at the upper boundary of the corridor of the base rate in 14701.26 rubles, we find that the cost of this same policy for this category of driver (no experience), taking into account new factors “age – experience”, will be
In the end, the cost of the insurance policy in our example will increase in comparison with 2018 2 146,83 RUB Is 14.6% more. Agree, a rather big increase in cost. Given the forever rising in price of fuel, cost of parts, cost of Parking and all around rely in the future on a cheap insurance policy is not necessary. Especially to young drivers with little (or no) experience. With regards to other categories of drivers, here too, everything is ambiguous. For someone, the insurance policy will also significantly rise in price. Someone will have to pay the same. But there is a category of drivers (especially those who have a great driving experience and no accidents at fault), for which the cost of the policy may be reduced slightly – and then only if the insurance company wants to calculate the cost of insurance at the lower end of the fork base fare. Something we doubt that self-pitying insurers will go EN masse to such generosity. After all, it is always something interferes not enough, why they constantly complain about the government and the Central Bank in the hope that they would be allowed to raise rates. So as you can see, insurers have made it pretty well, since the government and the Central Bank decided to change the tariffs, and in the future do you release the prices of the cost of the policy CTP in free swimming. It is a pity that those who do constantly in the way, obviously don’t get it that they can’t dance. In General, you know what we mean. Next will be fun!
And at the end of the material recall the sign changes in the coefficients on age and length of service in 2020:
The coefficients of insurance tariffs depending on the age and experience of the driver admitted to driving the vehicle on 1 January 2020
Experience years
Experience years
Experience years
Experience years
Experience years
Age, years
0
1
2
3 to 4
5 – 6
16 – 21
1,87
1,87
1,87
1,66
1,66
22 – 24
1,77
1,77
1,77
Of 1.04
Of 1.04
25 – 29
1,77
1,69
1,63
Of 1.04
Of 1.04
30 – 34
1,63
1,63
1,63
Of 1.04
Of 1.04
35 – 39
1,63
1,63
1,63
0,99
0,96
40 – 49
1,63
1,63
1,63
0,96
0,96
over 49
1,63
1,63
1,63
0,96
0,96
Experience years
Experience years
Experience years
Age, years
7 – 9
10 – 14
more than 14
16 – 21
22 – 24
Of 1.04
25 – 29
Of 1.04
1,01
30 – 34
1,01
0,96
0,96
35 – 39
0,96
0,96
0,96
40 – 49
0,96
0,96
0,96
over 49
0,96
0,96
0,96