– Vladimir, to the entry into force of amendments to the law on CTP, which will happen on 24 August, is preparing a new policy of the Central Bank. What’s in it, is there a change of tariffs?
Vladimir chistyukhin: We are in the preparation of a normative act, which concerns the tariff in insurance, and plan that before the end of June it will be submitted for public discussion. First, this is not a new regulation, it is changes in action. The regulation in principle remains the same. The only important change is the appearance in it of the factors that can not be used when determining the tariff. It will be apparent innovation. As for the expansion or preservation of tariff corridor, we are now engaged in actuarial calculations, to understand how economically justified extension of the tariff corridor as up, and last but not least – down. We hope that very soon will be able to give the characteristics of tariff corridor, which will be offered. Very importantly, the tariff corridor on the one hand reflects the loss ratio on the insurance market, on the other hand it needs to ensure proper implementation of the law to set the rate. First and foremost it needs to give the maximum opportunity for those car owners who carry minimal risks, they should get the maximum discount. We think about the lowering of the bar to the tariff corridor has provided all their wishes.
– That is, by 24 August, the rate may change?
Vladimir chistyukhin: will show How actuarial calculations. It is not excluded. The actuarial calculations take into account data including the first quarter of 2020.
– What factors insurers can take into account for tariff change? Can you name them?
Vladimir chistyukhin: To date, we plan to implement in our regulation of those factors which are clearly discriminatory. This national and racial identity, the affiliation to the different associations and parties, the occupation of a certain official position, as well as the attitude to religion and religion. If in practice we see that apply to other factors that also advisable to prohibit the use, we will promptly amend the regulation.
– How are you going to control the appointment by insurers of a tariff?
Vladimir chistyukhin: Nothing new in this. Control activities are carried out today. They are in the study of those internal documents which exist among insurers. And most importantly, understanding how they are applied in practice. In addition to remote Supervisory measures, we on, plus our colleagues from the service for��ITE consumer rights also doing a great job in the framework of the behavioural surveillance, including using the mechanisms of essentially analog control purchases. Of course we will look at how the use of tariff rules set by insurers.
– each insurer’s own rules. How do you calculate violations?
Vladimir chistyukhin: Individualization of the rate requires a completely new approach to IT infrastructure. To those automated systems that are currently used. The level of modeling, the level of electronic databases is increasingly. In this regard, we believe that there is the question of where should accumulate such data, and what they should be based. It would seem that we have today automated system of Russian Union of insurers. She is the repository of large amounts of information. But we see over the last few years that, despite all the efforts of the insurance community, it cannot adapt with the speed and with the quality that is required today. In addition, to its extension in addition to the engine types on other types of insurance. So in the near future we will put the question of who should lead this base. In our opinion, to use such a database for public purposes, that it was easy and intuitive, as a consumer, and the insurance community, it should go to some public authority or entity of that body.
– And what kind of entity could it be?
Vladimir chistyukhin: We consider that it would be the regulator, i.e. the Central Bank, or the organization of the Bank of Russia.
– We have already passed like this: database inspection created the CWA, and conducts its internal Affairs…
Vladimir chistyukhin: We do not want to have different operators. Today, the number of complaints for the appropriation of the coefficient of bonus-Malus (for accident-free driving – approx. ed.) is more than half of all complaints on OSAGO. And this does not solve the problem. And we wish that technology would put the consumer a simple and reliable solution.
End in the next room.
