In 2011, motorists have repeatedly noticed the rising cost of insurance and greatly concerned about this.At the same time, a new rise in prices is expected.What is the reason?
According to the Russian Union of Insurers, the increase in insurance rates, which occurred in July 2011, was to be expected.This company is considered inadequate growth rates and prepare for the new changes.
Under current law, the government may adjust the rates for insurance once every 6 months.At the same time car owners, who often use online insurance calculator, note only two cases of price increases over the last 8 years of the Law on insurance.The Russian fleet has changed a lot over the years, in fact it was an upgrade.Consequently, increased and the average size of insurance payments on the iron.In addition, inflation has led to higher prices for spare parts and the cost of standard hour at the station.
volume of vehicles sold is increasing annually by 30-40%, but the road infrastructure remains the same.Consumer lending is in the growth stage, so the car sits behind the wheel of a large number of young drivers with a very low level of training.All this contributed to the growth of accidents on the roads, therefore, led to the loss of insurance insurers.
Recently, the amount of liabilities of insurers increased.The gap between the obligations of the company and the amount of insurance coverage, according to representatives of the PCA, it was possible to make amends only adjustment of tariffs and their coefficients.In past years, car owners who used the calculation of insurance Hull and MTPL, noted a dangerous trend.Last year 26 companies left the market, and for 8 years, the ranks have thinned considerably PCA as Union left 60 companies.Most insurers declared bankruptcy, as the rate of growth of payments is significantly higher than the rate of growth of premiums.
Consequently, such an unpleasant increase in the price of insurance policies was necessary.If this does not happen, the market would have been more deplorable picture.According to insurance companies, of any effect of the new tariffs will be only in the following year, when all car owners have time to renew policies.The participants of the SAR noted that only adjustments of tariffs and tariff rates are not enough.If companies decide to increase the limit of insurance claims, this will lead to a new rise in prices for insurance policies.
