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Insurance will rise at the end of summer

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Rising prices for CTP is expected in the next few months: according to “Vedomosti“on 31 August 2018 it is planned to change as base rates “avtograzhdanki” and the coefficients for them. This date is stated in the relevant draft guidelines, prepared by the Central Bank. Recall that to change the tariffs for this type of insurance in Russia is possible only once a year.

car crash collision

Earlier, the Central Bank has already used the right to change the base rate, both times their size increased. We will remind, last time the regulator has increased the tariff in April 2015. Then it was expanded tariff corridor which was supposed to increase competition among insurance companies, but in the end the main players of the market just used the top bar. Insurance policies last time rose by about 60%.

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According to RSA, to date the price of the policy “avtograzhdanki” is calculated from the base rate: from 3 to 4 432 118 rubles. It is multiplied by different individual customers for the coefficients taking into account the region in which the car is used, the engine power of the machine, as well as experience and age of the driver. In addition, the MSC is used (coefficient of bonus-Malus): in case of accident-free driving, he gives a discount on OSAGO, in case of a “history of accidents” – allowance.

Note, at this point, the Central Bank has no plans to change this system, although the long-debated translation on the availability of insurance tariffs. It is expected that this will increase competition (which in theory should lead to a reduction in the price of the policy), and will also make the rate more equitable. According to representatives RSA, in this case, an experienced and careful drivers do not have to pay for the young and gets into an accident. According to the President of the Russian Union of insurers Igor Jurgens, in this case, the break-even clients the cost of services could decrease by 50% for loss-making – to increase by 25-50%.

The increase in tariffs CTP has repeatedly insisted that the insurers, who continue to refer to the loss-making segment because of the actions of the so-called “criminal avtoyuristov”. The top ten most affected by the scams of subjects of the Russian Federation entered Krasnodar Krai, Volgograd, Rostov, Nizhny Novgorod region, Tatarstan, Sverdlovsk region, Bashkortostan, Primorsky Krai, Chelyabinsk and Lipetsk region.

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The current rates and coefficients will be terminated on August 31. The draft of the Central Bank not specified new minimum and maximum base rates, and also changed the factors taking into account region, age and experience of owner. Presumably the former will leave the power factor of the engine and KBM.

We will remind, according to the calculations of SAR in the first quarter of 2018 the average cost of the policy CTP was 5 769 rubles (reduction to same period last year was 2.2%). In the same period, average payment under the contracts was equal to 64 225 rubles (that is, the index decreased by 12.7%).

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Automotive

A major insurer, gained customers for insurance, may leave them without payment

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In the case of sharp fluctuations of loss and deterioration of the economic situation “Rosenergo” may not be able to cope with the obligations to their customers. This conclusion was made by the actuary on the results of the mandatory assessment of insurance reserves of the company for 2017. Now that the insurer has liquidity problems, as 82% of the business accounted for as insurance.

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NSG Rosenergo within 2017, significantly increased its customer portfolio by auto insurance. In the end, the fees of the insurer has increased by more than 80% and made in the segment to 5.2 billion RUB.

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Thus the group was able to rise up to 12 lines in the list of most major insurers, according to the Central Bank.

In the opinion of the actuary States that “a large proportion of CTP in the portfolio poses a threat to the financial condition of the organization.” He advises companies including to reduce the proportion of policies sold through the “Single agent” (last year their share increased from 1% to 9%).

Recall, this system allows RSA to share the risks between insurers: in this case, the customer is assigned a company number of the TCP or of the certificate of registration.

As reported by “Vedomosti“, the total liquidity gap on the horizon above the year “Rosenergo” amounted to almost 160 million. There is also a lack of provision for unearned premiums (it is formed for future payments): the size is 30.6 million RUB This suggests that insurance companies may have problems with commitments.

Note, from such not insured by any one company, since the applicable rules of the Russian Union of motor insurers there are no restrictions in the issuance of forms of insurance policies, even in the case of lack of reserves of the company. It can be assumed that such limits will be introduced, as now in the case of revocation of SK license payments under its contracts “avtograzhdanki” produces exactly the CWA.

Car accident involving two cars on the street

The actuary also advises NSG Rosenergo to reduce the portfolio insurance due to the fact that this segment is, according to him, unprofitable. Earlier it became known that insurers have again started to threaten record losses. Thus, the ratio of the average expected loss for the current year will reach 92% (last year it was 84%). In the beginning of the current year the sum of payments has declined: in January-may, customers received 32% less money than in the same period last year.

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Automotive

New joint cross for Nissan and Dongfeng: the first photo without camouflage

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Photos of the camouflaged crossover Venucia posted last week. At the same time, the brand has extended the first official teaser novelties. And now the Ministry of industry of China there are shots of the cross without any masking. Judging by the nameplate located on the rear doors, the model will go on sale under the symbol T60.

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Automotive

Ex-Kalina: first photos of the hatchback Lada Granta without camouflage

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AVTOVAZ plans to update models Granta and Kalina, after which they will be United in one family. As a result, to the sedan and liftback Granta will join the five-door hatch, wagon and its cross-version, which is currently presented on the market under the name Kalina, after which it will disappear from the product line.

Recently was declassified a restyled Lada Granta sedan, whose appearance has been given in compliance with the latest X-style, which debuted at Lada Vesta and Lada Xray. The upgrade process has been significantly redesigned front of the car where there is a new head optics, grille, bumper, hood and fenders.

Передняя панель обновленной Lada Granta

The front panel of the updated Lada Granta

Передняя панель Lada Kalina

Front panel Lada Kalina

Now on the page “Lada Granta FL club” the social network “Vkontakte” there were photos of hatchback Lada Granta, which bore the earlier name of Lada Kalina. In the pictures the car is embodied without any camouflage, fully revealing changes in appearance. By the way, the front is fully repeats the updated sedan, and in the stern the only noticeable change is the redesigned logo of the manufacturer.

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