Compulsory motor third party liability insurance of a union scale // Parliamentarians of the Russian Federation and Belarus are discussing a single policy

Yesterday in the parliamentary assembly of the Union of Russia and Belarus, lawmakers discussed the possibility of unifying OSAGO for both countries. For this, a model law will be developed that will synchronize their insurance legislation. The Russian insurance lobby supports the merger of OSAGO systems, but the market expects that against the background of the addition of another 4 million Belarusian cars to the Russian fleet of 56 million cars, the prices of policies will increase by several percent. The average increase in the cost of the combined compulsory motor third party liability insurance may turn out to be more significant if the “Crimean” scenario of lowering the regional tariff is not implemented on the territory of Belarus.

At the 60th session of the parliamentary meeting of the Union of Russia and Belarus, one of the key topics was the discussion of a unified OSAGO for the union state. Now in the territory of the two countries there are different systems of civil liability insurance for car owners. When leaving the state of registration of a car, its owner is obliged to purchase a so-called green card – an exit MTPL for at least 15 days. “The parliamentary assembly commission on legislation and regulations was instructed to organize the development of a draft model legislative act” On compulsory insurance of civil liability of vehicle owners “in order to unify legislation,” the State Duma said in a statement.

Officially, the idea is supported on the Russian market, but a number of details are indicated. “The unification of such a massive insurance product as OSAGO is one of the strategic objectives of the integration of Russia and the Republic of Belarus,” says Igor Yurgens, President of the All-Russian Union of Insurers. and insurance legislation. And the addition of one more territory to the coverage of the policy will need to be taken into account in the tariffication. All this is a difficult path that will require the development of a roadmap for this complex and multi-level process. “

According to Sergei Razuvan, head of the Russian bureau “Green Card”, on average, about half a million Russian car owners cross the Russian-Belarusian border annually, and the flow of Belarusian transport to the Russian Federation is roughly the same. “Our Belarusian traffic takes about 30% of all incoming foreign transport,” Mr. Razuvan tells Kommersant, “and our motorists make up about 50% of foreign traffic in Belarus and are the main cause of harm in road accidents there.” He recalls that now the tariffs for compulsory motor third party liability insurance in the Russian Federation are calculated without taking into account losses in Belarus and this cannot but affect the price of the combined policy. “A green card to Belarus for 15 days costs about 800 rubles, miracles do not happen, the tariffication of the unified OSAGO will change,” he concludes.

In addition, there are big differences in the OSAGO systems of the two countries. For example, there are different rules regarding the European protocol: the compensation limit in Belarus is only $ 800, and disagreements between the participants in the accident are unacceptable, while in the Russian Federation, even if there are disagreements, the “ceiling” of payment is higher – 100 thousand. rub. In addition, it will be necessary to integrate Belarusian insurance companies into the system of direct compensation for losses (receiving payments from the insurer that sold the OSAGO policy), which, in turn, requires their participation in the Russian payment system, which is currently impossible due to the legislative restriction on participation foreign companies in national payment systems.

According to a Kommersant source in the market, adding another 4 million to the Russian fleet of 56 million vehicles may proportionally lead to an increase in the frequency of insured events, and hence to an increase in the insurance premium by several percent. The increase in the average price of the combined compulsory motor third party liability insurance will be higher if the determination of the territorial coefficient (TC) does not follow the “Crimean” scenario. Now in Crimea, TC is 0.6, and, according to insurers, it does not reflect the real regional accident rate, which in fact is close to the Krasnodar Territory with TC 1.8. However, as part of the further reform of OSAGO in the Russian Federation, it is planned to abandon the TC, but this will not relieve motorists of regional allowances – de facto, they will be “sewn up” by companies in individual tariffs.

Tatiana Grishina

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