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MTPL in Russia : present situation and future prospects Istanbul , 7 april 2014

MTPL in Russia : present situation and future prospects Istanbul , 7 april 2014. MTPL statistics. 1 € = 50,41 ruble ( 20 March 2014 ). CMTPL statistics. Direct settlement of claims. 2003 – 2009 : Problem: Victim isn’t a client of this insurer

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MTPL in Russia : present situation and future prospects Istanbul , 7 april 2014

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  1. MTPL in Russia: present situation andfuture prospects Istanbul, 7 april 2014

  2. MTPL statistics 1 € = 50,41 ruble(20 March 2014)

  3. CMTPL statistics

  4. Direct settlement of claims 2003 – 2009 : Problem:Victimisn’t a client of this insurer Insurer isn’t interested in quality claim settlement Since 2009 - direct claims settlement : Application for claim Guilty person’ insurer Victims Indemnification payment Application for claim Victim’s insurer Victims Indemnification payment Compensation payments Claim for compensation Guilty person’ insurer

  5. Direct settlement of claims • Conclusions: • Number of claims increases • Number ofcomplaints reduces

  6. Direct settlement of claims Number ofcomplaints reduces Number of claims increases Purpose of direct claims settlement achieves At present:victimmayapply for insurance indemnification Direct settlement should become the only possible way for claims settlement (it contains in the Federal Law about MTPL)

  7. Payments between insurance companies at direct claim settlement CLAIMS Insurance companies Insurance Payment System CLAIM REGISTER order to start the payment session order to pay the debts payments info Banks for GUARANTEE DEPOSITS (FUNDS) reimbursement FROM money from deposits (funds) bank FOR PAYEMENTS reimbursement TO GUARANTEE DEPOSITS (FUNDS)

  8. Share of requests: 8,09%; It’s necessary to improve the simplified system of accident reporting Maximum amount of insurancepayments: At present – 25 000 rubles, is planing – 50 000 rubles. Federal Law “On compulsory Third-Party Liability Insurance for Motor Vehicle Owners”changes : Maximum amount of insurancepayments in 4Russian regions = amount of MTPL limits if: Vehicle is equipped with GLONASS; The possibility of using data of surveillance videocamera. Simplified system of road accident reporting

  9. CMTPL database In 2013 was established centralized CMTPL database, which contains information about: • MTPL insurance policies and claims; • Bonus–malus Coefficient; • Fact of vehicle inspection; • CMTPL statistics for analysis of theeffective CMTPL insurance rates. Insurers put information about insurance contract in CMTPL databasewithin 15 days from the moment of conclusion of the insurance contract. CMTPL database contains information about ≈ 120 millioninsurance contracts(40 millionof them was concluded in 2013). Information about every insurance contracts includes about 50 items. Since2013 insurers put into CMTPL database information about MTPL policies blanks.

  10. E-policy At present: Future prospects: : Insurance policy (on paper) Insurance policy (electronic document) Control by police officers (on the road) Control by surveillance videocamera It will be necessary to connect police database andMTPL database

  11. Thank you for your attention!

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