What changes are expected by CMTPL insurers

What changes are expected by CMTPL insurers

The reinsurance pool launched a week ago in the MTPL system has made insurance available to "high loss" customers, the Russian Union of Motor Insurers noted. And very soon every participant of an accident will be able to remotely submit a notification of the accident from his smartphone, without having to draw up a single document on a single device. In addition, the approach to determining the territorial coefficients influencing the cost of insurance will change.

During the first three days of work of the reinsurance pool in Compulsory motor TPL insurance (launched on April, 2022) 49 thousand contracts of "civil liability insurance" were transferred to reinsurance - about 16% from all policies issued during this period. This was stated by Igor Yurgens, President of the Russian Union of Motor Insurers at a press conference.

"The pool has been launched and we can see that it successfully solves its main task - to make MTPL insurance more accessible for car owners, removing even the most unprofitable of them any problems associated with the purchase of the policy", - said Jurgens.

We are talking about the so-called high loss segments of MTPL: novice drivers, taxis, etc. In practice, insurance companies tried to avoid issuing policies to such drivers on various pretexts.

After the launch of the new pooling mechanism the insurance company will decide whether to keep the client in its portfolio or re-insure it, says Evgeny Ufimtsev, the executive director of the Russian Union of Autoinsurers. According to him if the policy is transferred to the reinsurance pool then all the market players will pay the compensation after the accident, not only the company which issued the policy.

It is not easy to be a taxi driver
In spite of the statement of the Russian Union of Auto Insurers about successful launch of the reinsurance pool, cab drivers who are at risk have not noticed any particular changes. According to Andrei Popkov, chairman of the coordinating council of the interregional trade union of transport workers "Taxi Driver", the problem with the purchase of the policy has not gone anywhere.

"Insurers do not refuse directly, but in various ways put additional obstacles. For example, they make an appointment for a mandatory inspection of cab cars only a month after application. At the same time the inspection point is somewhere in a remote area of the Moscow region," he told Izvestia.

At the same time MTPL for a taxi is much more expensive than insurance for an ordinary car, Popkov said. According to him, the insurance policy for economy class model costs about 50-60 thousand rubles, and for a business class cab - 70-80 thousand rubles.

Europrotocol with module
From April 28, the mobile application "Assistant CMTPL will run a module SDK, which will allow insurers to build a remote filing of the accident report into their own mobile applications, the Russian Union of Auto Insurers said. The union hopes that this will make the use of apps to process accidents more popular with motorists.

"Now such a notice is issued from one gadget by both participants in the accident. Some car owners don't want to enter their data on someone else's device. Using the application of the insurance company, in which the policy was purchased, will allow each of the participants of the accident to submit a remote accident notification from their smartphone", - said Igor Ufimtsev.

Mobile application " Assistant CMTPL" was installed on their smartphones by 395.5 thousand motorists. At the same time last year there were more than 42 million "car liability insurance" policies issued.

Such a low percentage of drivers who decided to use a mobile application for accidents indicates that motorists do not trust Europrotocol, says Anton Shaparin. He believes that the possibility of notification from your phone will not affect the number of accidents executed in this way.

The "Bermuda Triangle" in the regions
At the end of last year the share of motorists with the minimum "bonus-malus" coefficient amounted to more than 25% of all drivers who had issued a policy, said the RAMI. The most careful drivers are in Moscow (41% with the lowest value), St. Petersburg (34.6%), Moscow (37.6%), Leningrad (33.5%) and Novosibirsk (32.4%) regions.The lowest proportion of motorists with the minimum value in 2021 was recorded in Dagestan.

"These data will be available to both local authorities and the Bank of Russia. On their basis, the regulator will be able to decide on the adjustment of territorial coefficients," said Igor Ufimtsev.

Experts doubt that the use of indicators in the region will make the formation of territorial coefficients more transparent.

"The determination of these coefficients looks more like a kind of "Bermuda Triangle": the scheme is complicated and confusing. The introduction of one more parameter is unlikely to change it and make it more transparent," Shaparin told Izvestia.

Photo:, Moscow City News Agency/Kirill Zykov

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