Conspiracy insurers

Insurers have recently been in a panic. It seems to be underestimated and payments, and denied them with or without - the money saved should be enough not just bread and butter. But no, dissatisfied customers through the courts began to recover the amount three times higher than originally determined by insurers. Budget insurance companies cracked at the seams.

It was necessary to do something, and all of us together sang about loss of CTP and the need to raise the basic rates, which have not changed over a decade. The main
Case: legal increase in payments to 400 thousand in the general order and to 50 million in the case of evroprotokol - excessive burden.

The Central Bank has agreed with these arguments, and October 1, 2014 issued a new base MTPL tariffs. Unlike the former, the current floating rate:
insurance companies have given the right to choose, from a sum of a start in calculating the cost of the policy. Minimum base - 2440 rubles, the maximum -2574 rubles.


Previously, the base rate was 1,980 rubles (for natural persons - owners of the cars). Under the new regulations the insurance company acceptable for calculating a base amount, shall inform the Central Bank of the Russian Federation and begins to sell the policies. The experts, including experts of the Central Bank and RSA (Russian Union of Insurers), assured us that appeared in the base rate of the fork increase competition in the market. In fact, most companies just sell insurance policies at the maximum price.

In one of the insurance offices at all I whispered in your ear that most insurers conspired to sell policies CTP as expensive as possible. But still I managed to find a company with a minimum base fare. Ingosstrakh, apparently, did not participate in collusion - counting policies on the minimum rate.

But it in Moscow. In the regions, competition, and there is no question - often only a couple of insurance runs in the neighborhood, and therefore, one hand washes. Therefore, the policy of CTP with a load in the form of life insurance, car owners have long been accustomed there and quietly suffer. And get used to the increase in the price.

In some regions, the policy generally can not be bought in recent months. Excuses are different: someone did not find forms, and other companies required to present the car to inspection before signing the contract - despite the fact that the next inspection technician could take place not earlier than one month. "The right person on vacation, and other employees of the qualification we have ..." The real reason for this behavior was evident - waiting for the new tariffs. Judge for yourself: on October 1, 2014 increased the maximum amount of the payment (for iron and 400 thousand (previous limit was 120 thousand), and the opportunity to sell the policy more expensive there was only on October 11 Behold insurers and hampered sales - it would be desirable to tear off from the client more.!