The regulator has released two information letters to insurance companies, which cautions against imposing a new policy if you need to make changes to it, such as new information about the car owner. Also companies encouraged to check themselves passing inspection by the drivers who bought the policy during the limitations due to the pandemic. Once again not to yank the drivers insurers have to help updated database AIS CTP, claimed by the Central Bank.The Bank of Russia posted a message about the duty of companies to amend insurance policies (electronic and paper) in cases where the owner reports a change of its data. “For example, if documents on machine were lost or stolen and the citizen received the duplicates, he has the right to change the serial number of the vehicle documents in the contract of insurance, and the insurer is obliged to do according to his statement,”— says the regulator. Insurers must make changes and in case of errors in the policy, regardless of who made them — the representative of the company or the car owner himself. The explanation for the “Kommersant”, the Central Bank reports that the problem is not critically sharp, but the regulator “has received several dozen complaints on these issues, including in respect of the largest insurers in the market MTPL”. On the forum of Agency of insurance news in the reviews section about the companies there are reports of owners about the inability to make changes in policy, such as obtaining a new driver’s license, or the requirement of the company to cancel a policy if the client made a mistake in its design.”Currently, the Union does not record the influx of complaints on this issue over the past two weeks we have encountered isolated cases of demands for a nullification of the policies, each case is usually unique and versed in manual mode”,— told “Kommersant” in the Russian Union of motor insurers (RAMI). Says Deputy head of “Ingosstrakh” Ilya Solomatin, it is unlikely that such problems in the market can be called very ambitious. “Probably, there were some inaccuracies in the launch of the updated AIS OSAGO,— he assumes.— If customers were forced to “preparati” policy, it would have affected the complaint statistics in the Central Bank, but the regulator says the decline in their number — and this I knew penopoliuretane”. However, as reported by “Kommersant” in the service of dinobuton such complaints from citizens thereto did not, even if it happened in the jurisdiction of the Commissioner, their consideration is not included: it considers disputes of property character.It is known practice, when initiating a low-power data for the vehicle and changing the region to reduce your premiums. And all subsequent changes are attempts to bring the policy into a “work form” to receive payment on it. “The new data is a new policy,— said the leader of the movement “Blue buckets” Peter Shkumatov.— All paper and electronic forms of license, inactive or fraudulent policies the insurers also need to withdraw from circulation”. Recall that the accuracy of the data policy it is now possible to check on the basis of the PCA, but the judge insists on the need for automation of mailing notifications to drivers about the status of their policies: this will provide more opportunities for validation.Earlier, the Central Bank was going to deprive PCA of control over the updated AIS OSAGO, moving it in his charge (see “Kommersant” on 17 June), in the meantime, according to another report, the Central Bank, the database of the Union should become for companies a tool for independent verification of their clients if they “have issued the policy in the period from 1 March to 30 September 2020, without diagnostic card”. Recall that because of the lockdown, the regulator has allowed companies to sell policies without this document under the obligation of the owner to do so before 31 October, while failure to do so means the ability of any owner of recourse from the insurer in the event of an accident.Tatyana Grishina
