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Date: 3 weeks ago   Category: Auto/Moto

"Liberalization of the CMTPL": how insurance will keep track of danger of driving and what raises doubts?


The government will consider amendments to the law on the CMTPL according to which its price will depend on a driving manner. Whether bonuses from accurate driving will work at practice? Photo: AGN "Moscow" the Cabinet of Ministers can consider the bill of liberalization of the CMTPL system on July 11, TASS with reference to the Deputy Minister of Finance Alexey Moiseyev reports. The document in the people already nicknamed liberalization of "autocitizen". Before it it was planned to consider on July 4, however in the agenda of a meeting of the Government this day the bill is absent. Now the price of the CMTPL is defined proceeding from a basic tariff. The new coefficient will consider any violations on the road and will grow for those who regularly collect penalties: for example, passes on a red signal of the traffic light or exceeds speed. So-called dangerous driving will be considered Besides: speeding, sharp evolutions, creation of hindrances. So just legislatively you will not register the concept "dangerous driving", it has no accurate criteria. For one driver the sharp turn will be considered as norm, for another — already extreme maneuver. That insurers had accurate reference points that is dangerous and what is not present, are going to use telematic devices. It is not a novelty in the market, now such sensors sometimes put at registration of a comprehensive insurance that allows the driver to lower a tariff. For example, the driver Valery received a five-percent discount for installation of telematics. "There are two options: or it is put directly on the accumulator, or on OBD2 tire. I delivered to myself directly on the accumulator. It is the small box stuck to the accumulator. It estimates movement coordinates, the emergency braking, pretty sharp, abrupt turns. It calculates the number of the emergency braking, maybe, on 100 kilometers, and my perspective discount for the next year on a comprehensive insurance is calculated on the basis of it". Installation of telematic devices on a car will be possible or at the request of the driver, or upon the demand of insurance. As a rule, their installation is paid by the insurer. But so was with a comprehensive insurance, and with the CMTPL can be in a different way, the chief of the department of insurance of the CMTPL of "The insurance house of VSK" Tatyana Kudryavtseva considers. Tatyana Kudryavtseva the chief of the department of insurance of the CMTPL of "The insurance house of VSK" "By our experience use of telematics on the example of a product of a comprehensive insurance had rather low consumer demand. Not all drivers believed in certain future decreasing coefficient the next year, not all drivers wanted that the insurance company knew of their style of driving. As a result accurate drivers because of what our statistics was distorted were our main consumers. The similar initiative nevertheless attracts under itself additional financial obligations not only the insurer, but also, naturally, the owner of the vehicle. If on a comprehensive insurance it becomes within certain projects and there is an opportunity to establish certain tariffs, then in the CMTPL there is no such opportunity. Cost of the equipment, its installation

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