maximum amount of compensation on policies OSAGO this year will increase: for property damage - from 25,5 thousand UAH. 50 ths. (one car), for damage to life and health of victims - from 50 thousand UAH. to 100 thousand UAH. The decision has already adopted a Financial Services Commission. As soon as the grounds passes to Ministry of Justice, to ride on the roads motorists will be calmer, but more expensive.

30%: to neg?

Due to the devaluation of the hryvnia in 2009, and, consequently, more expensive spare parts, repair of cars has increased almost twice. Accordingly, increased and the amount of compensation. Often, drivers were forced to pay extr1000a to victims of his own pocket, because the coating OSAGO was already insufficient.

"insurance claims that date back to 2004, is already outdated - Notes Igor Zaporozhets, head of underwriting SC" Anastasia. "- They are not allowed in this type of insurance to fully compensate for the damage caused to third parties. This is especially illustrated by property damage, as the sum of 25 500 UAH. (in dollar terms) in 2004 and now - are two big differences. " New limits of liability, assured the Financial Services Commission chairman Viktor Suslov, will take effect in a couple of months. Of course, along with the increase of tariffs on policies for "obyazalovke. But as they grow - gosregulyator has not yet determined.

According to the insurance companies, base pay should be increased by 30% (see table). SK also proposed to review and correction factors for OSAGO. Corresponding calculations in mid-November last year, Motor (Transport) Insurance Bureau of Ukraine (MTIBU) transferred to the Financial Services Commission. For example, for the capital"s drivers base price policy should have been multiplied by 2,4-2,9 (now the coefficients for the Kiev auto constitute 1,5-1,8). For car owners who live in cities-millionaires - on 1,4-2,9 (depending on the type of policy). The coefficients for vehicles which operate in cities - the capital of satellites, to be installed in the range of 2,2-2,9.

But these calculations Gosfinuslug considered excessive. According to Mr. Suslov, "in the current crisis, citizens are not willing to raise the base payment on" avtograzhdanke "several times. The insurance market would inflate prices, hoping that the regulator will close their eyes to this. We have rejected these estimates. The commission assured us that, "most likely MTIBU have to recalculate the size of the base payment and the coefficients. But in what direction, motorists will see the following payments on the new limits of liability.

Work wear

Another factor that may affect the size of the basic tariff for "avtograzhdanke" - a new procedure for calculating depreciation of vehicles, which came into force last autumn. In the IV quarter of 2009, policy holders "avtograzhdanki" delighted "Methodology Merchandising examination and evaluation of wheeled vehicles", adopted by the State Property Fund and Ministry of Justice. Until the entry into force of this document SK depreciation amortization totaled car after the second year of its operation.

As a result, the wear rate, which is applied to the UK seven years cars could reach 50% or more. When replacing parts on such a machine the company paid only half their value.

Under the new rules for depreciation for wear, there are cars only after seven years of operation, for the production of LPG cars - after five years. And drivers are 100% recovery even if their car was badly battered. "This rule applies now including for cars, which are used as taxis. Depreciation there may be before these dates in only one case - if the" Unlimited "double regulation" - says Anna Morozova, Head of Retail Insurance Group " TAS.

As a result - the amount of premiums on policies "avtograzhdanki" for the refurbishment of machines began to grow rapidly. "According to our preliminary calculations, the amount of insurance compensation in connection with the adoption of the" Methods "may increase for passenger vehicles of foreign production by more than 4,3 thousand grn. For vehicles produced in CIS countries - more than 1,5 thousand grn ., "-1000said Vladimir Romanishin, president of the Motor (Transport) Insurance Bureau of Ukraine.

Innovation, complain insurers, has led to increased losses on "avtograzhdanke" and reduce the solvency of companies. "Because of the crisis in the country"s insurance market had already been forced to bear the currency risk: the company received payments in UAH, while payments for motor insurance rigidly pegged to hard currency, and are calculated to reflect the new value of spare parts, etc. A new method of calculating depreciation was another real threat to the solvency of insurance companies ", - complains Olga Zaitseva, Chairman of the Supervisory Board of the UK" NOVA ".

As a result, some insurers sell policies turned OSAGO. In late December of MTIBU ended voluntarily left the Independent Insurance Company, "" Renaissance "and" Partner ". According to forecasts by Mr. Romanishin, if in the near future base payment on "avtograzhdanke not be upgraded, from the mandatory liability insurance of car owners will give up more of the UK.

All "zaraportuyut"

The cost of policy OSAGO, according to insurers, may be affected and the possible introduction in Ukraine later this year of "evroraporta." The bill number 4652, providing for its introduction, was introduced in Parliament in mid-July last year. Objective "evroraporta" - expedite registration of accidents and to simplify the insurance benefits for "avtograzhdanke. "Under the law, traffic police leave in place an accident is compulsory. The driver must call the inspector due any scratches. And this is despite the fact that only in Kiev on a daily basis is about 200 accidents, and across the country - about 800 accidents. If the system will work "evroprotokola, design accident would be possible without the interference of traffic police", - says Ivan Huminski, Deputy Director General MTIBU.

However, in this ideal scenario, the events will develop only under certain conditions: both parties must agree on which of them is the culprit of an accident, the accident should not be affected. In addition, all participants in the incident must be citizens of Ukraine. Possible adoption of promising innovations SK ordinary expenses, which in turn may affect the size of the basic tariff for "avtograzhdanke.

"The volume of insurance fraud will increase by several times. Most customers will not be able to correctly execute" evroraport, so insurers will have to teach. In addition, there is no need to call traffic police officers to the place of accident would give drivers to violate with impunity the rules of the road, not the expertise on alcoholic intoxication. But the main problem will increase losses on "avtograzhdanke" - predicts Galina Pishakova, deputy chairman of USC "Knyazha VIENNA Insurance Group." Therefore, the introduction of "motor" innovations companies are planning to approach very carefully.

Vadim Zagrebnoy, chairman of SK "Brokbusiness"

- Today damages CMTPL grow much faster than the level of premiums collected. From January to September last year, insurers had paid 327 million UAH. on policies "avtograzhdanki", which is 20% higher than the same period last year. At the same time, premiums grew by 6%. Every third loss on the "avtograzhdanke" exceeds the insured amount. In addition, the average payment is growing rapidly. For example, in August it rose by 121000% compared with last year, and amounted to 7,6 ths. Leaders can withstand the increasing amounts of payments due to diversification of the portfolio and extensive branch network. But some small companies can not do it. For requirements in relation to the payment of insurance compensation and financial discipline remain unchanged and as stringent as in the pre-crisis time.

Victor Panasyuk, chief of the settlement of insurance events Insurance Group "TAS"

- In neighboring Poland has long been the system of "evroraporta." "Evroraport" prepared in the event that one party to plead guilty in an accident and both involved in the accident does not have issues with each other. But for the settlement of insurance claims for "evroraportam" in Ukraine, in my opinion, should be one prerequisite - a challenge for emergency accident Commissioner of the insurance company and its participation in the drafting of "evroraporta. If this will not be, can dramatically increase the number of cases of fraud. Unscrupulous insurers, for example, could agree on who was "guilty" in a crash, or change the real picture of the incident, its location, to replace one party by another accident, etc., and then draw up a "evroraport" and demand payment from the UK.

Victoria Goncharuk

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