At the end of 2022, the total amount of payments increased to 157.3 billion rubles – from 153 billion at the end of 2021. At the same time, in 2022, the number of accidents on the roads significantly decreased, as a result of which the declared and settled losses under OSAGO turned out to be 6-7% less than a year earlier. If the number of accidents remained the same, the total increase in payments would be more than 10 billion rubles.
The average payment for OSAGO for the whole of 2022 amounted to 76,858 rubles, having increased by 10% compared to the average payment for 2021 (70,124 rubles). However, since June, when the new guides to the average cost of spare parts came into force, the growth of the average monthly payment has been significantly higher.
Recall that on June 19, new directories of the average cost of spare parts came into force, in which the average cost of spare parts increased by 30.6%. And the average payment for OSAGO in June increased by 15% compared to the average payment in June 2021 (75,514 rubles in June 2022 against 65,662 rubles in June 2021).
Then the average payment increased by several percent every month, reaching 91,315 rubles by December 2022, which is 23% more than the average payment in December 2021 (74,269 rubles) and 28% more than the average payment in January 2022 (71,379 rubles).
– The observed trend of a sharp increase in the average payment for OSAGO is understandable: the problem with the supply of spare parts, unfortunately, is not resolved as quickly as we and car owners would like. At the same time, according to the Bank of Russia, in 2022, citizens complained about problems associated with the settlement of losses under the mandatory motor vehicle citizenship by 2.3% less than a year earlier. This means that insurers manage to take a hit and, despite objective difficulties, leave car owners satisfied with the quality of the settlement,” said Evgeny Ufimtsev.
Due to a decrease in the number of accidents in the whole of the Russian Federation, at the end of 2022, 2.17 million losses were declared (against 2.33 a year earlier, a decrease of 7%), and two million losses were settled (against 2.2 in 2021 , a decrease of 6%).
Due to a sharp decline in car sales by 4%, the number of OSAGO agreements decreased from 42.1 million to 40.3 million. As already reported by the PCA, the average premium growth in 2022 amounted to 21% – from 5,599 rubles in 2021 to 6,793 rubles in 2022, which is lower than the growth in the average payment for OSAGO observed in the last months of 2022.
The total fees for OSAGO in 2022 increased by 16% and amounted to 273.5 billion rubles against 235.9 billion a year earlier. This will make it possible to form increased insurance reserves, which in the future will be used to compensate for damages to victims under contracts concluded at the previous insurance rates.