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The Central Bank has taken the first step in the reform of insurance

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According to the authors of the reform, the most accurate drivers will benefit from a more differentiated approach to setting tariffs.

The Board of Directors of the Bank of Russia approved the instruction on the size limit of base rates and factors of insurance tariffs for CMTPL. This step was the first in a planned reform, after which, according to the Bank’s definition, “increase the availability of insurance policies” and will “move to a system where each driver pays for itself, and the rate is fair and for each individual”. First and foremost, this means expanding the fork tariff. Thus, the base rate will change with the plugs 3432-4118 range 2746-4942 ruble (numbers changed to 20% in each direction).

There is a fear that the insurance company is the extended forks will gravitate to the upper boundary of the tariff. But the Chairman of the Central Bank Vladimir Chistyukhin says: according to the Central Bank the average cost of policies will grow only by 1.5%.

After the Central Bank officially publish the base rates, changes, and correction factors, depending on age and seniority (FAC). For a more young and “green” KVS will increase, and experienced drivers older will benefit. The spread of KVS will be higher, of 1.87 (age 16 to 21, experience 0) to 0.93 (older than 59 years with experience more than three years). In this case gradations of KVS (combinations of age, experience) instead of four is 58. Earn these amendments are likely in the new year.

Meanwhile the first of December the Russian Union of motor insurers has updated the reference prices of spare parts, which affects the calculation of damages in an accident. Prices on average grew by 6.5%, reports Kommersant, and this should lead to an increase in average payments for insurance from 66 to 70 thousand rubles.

Will be changed and the system of assigning coefficients of the bonus-Malus (MSC, in fact, the discount for accident-free driving or the multiplying factor after an accident) in order to protect drivers from reset insurance history and the so-called zadvoenie MSC (it happens, if it is not fixed for the motorist, and the insurance policy). In addition, needs to be excluded cases when the penalty increase the cost of insurance is applied to all entered in the previous insurance policy to persons, although an accident, of course, only one driver.

In the new system of insurance history will be assigned to drivers, not the policies, of the MSC will be recalculated once a year on the first of April, and if at the time of the first such conversion (i.e. the first of April 2019) the person in the database AIS RAMI found a few of MSC, then it will be assigned the lowest of them. Will not reset the history, and when a break in driving, all discounts, accumulated earlier, continues. To change the assignment rule of KBM legal entities: the ratio is the same for all vehicles in the Park, taking into account all losses in the previous year, which will facilitate the holding of competitions on the conclusion of contracts OSAGO.

These amendments will be able to work within the existing law on insurance. More profound changes with even greater individualization of insurance contracts will be possible only after changes in the law (contract for three years, allowances for traffic violations, the elimination factor territory, and so on). But it will happen much later.

In parallel we are preparing the ground for another adjustment: the Bank of Russia and the Russian Union of insurers next year will think through and discuss the extension of the functionality of Institute of insurance detectives. Speech about a private detective working under contracts with insurers to investigate fraud and abuse in this area. Now such persons are severely limited in their capabilities. But if we can negotiate with legislators, insurance investigators can obtain the right on operatively-search activity, though not in such full, as law enforcement agencies. The damage from the fraud in the field of insurance for the 2017 evaluation of RSA amounted to 60 billion rubles.

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The prototype crossover Kia Xceed first spotted without camouflage

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The wheelbase is likely to be similar to the hatch — 2650 mm, but total length will exceed 4310 mm, and the trunk will be more 395 L.

The first official photos of the model Kia Xceed will be shown in the summer, and the premiere will take place on the tenth of September at Motorshow in Frankfurt. Meanwhile, the SUV with bumpers that did not appear in the body color, rides on the roads of South Korea without any masking. And now there is no doubt that Xceed got your own body, not recycled “shell” hatchback Ceed.

The designers have tried to distance themselves from Xceed Sid. Headlight cutout — new, long lights, too. Another grille in the front bumper the horizontal ties. Silver paste instead of the rear window looks strange. Forked release is not the same as the Sid GT.

While none of the representatives sadovskoy family, including Cerato, no all-wheel drive. Deprived of it, and a new Soul, and Stonic. But Xceed is theoretically able to break the vicious circle if, for example, comes closer to the model of Hyundai Kona or “Rob” the elder brother of the Sportage. In addition, the approach of a new global compactthat will not only front-wheel drive.

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Ferrari engine V8 3.9 has held the title “world engine of the year”

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Leonid Popov, 10 hours ago. Photo: ukimediaevents.com and manufacturers

Motor-the winner is used in several models, as shown here in the bowels coupe 488 Pista, where it develops 720 HP and 770 nm.

For the fourth time in a row the jury of the competition International Engine of the Year awarded the victory in the overall classification the Ferrari biturbomotor 3.9. The points (425), it significantly surpassed second-place 400-strong mounting of the electric car Jaguar I-Pace (328) and the bronze medalist — biturbomotor 4.0 Mercedes-AMG (280 points) that have more than ten models.

In the category “up To 150 HP” won turbotron liter Ford (resulting in several models, from the Fiesta to the Mondeo, in different versions of the settings). She previously had won in the section “one liter” (not last year).

The separation motors on the nominations, there was a marked change. If the earlier category was different in the working volume, now in power. So, it is possible to compare the hybrids and electric vehicles, and rotary-piston internal combustion engine in which the amount is taken into account distinctive, and theoretically, the gas turbine unit, in which the working volume is not there.

In the category “From 150 to 250 HP” won turboservice Audi 2.0 TFSI, which in different versions written more than two dozen models of Volkswagen.

Supercharged boxer “four” 2.5 from a pair of Porsche 718 Boxster S/Cayman S (350 HP) won first place in the category “From 250 to 350 forces.”

The electric drive of the “I-pace” than the second place in the “absolute” best in category “From 350 to 450 forces.”

In the category “From 450 to 550 HP” won biturbomotor 4.0 AMG, which is the third winner in the overall standings.

Once again, we face the Ferrari biturbomotor 3.9, only in versions that are installed on the model GTC4lusso T (610 HP) and Portofino (600 HP). It is recognized as the best in the “From 550 to 650 HP”.

Benzoelektrosila system model of the BMW i8 (374 HP) won in the category “Best hybrid”.

The last category of power is called “Over 650 BHP”. She won the same Ferrari engine V8 3.9 (for the senior modification as 488 GTB, the 488 and 488 Spider Pista), which took the main prize. He also took home the glass plate (so decorated with awards) with the inscription “Best Performance Engine”. In the “Best new engine” reigned motors Jaguar I-Pace, and they also won the first prize in the category “Best electric drive”. So I-Pace in the current race earned three first places. They look perfect on the background won crossover in 2019 the titles of “car of the year in Europe” and “world car of the year”.

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Where I want to rest: how to build a off road trailer cottage with his own hands, and how much it costs

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