MTPL in Russia: present
situation and future prospects
Istanbul, 7 april 2014
1
MTPL statistics
1 € = 50,41 ruble (20 March 2014)
Insurance premiums and insurance payments
140
120
0
Insurance payments
Insurance premiums
135.15
78.1
62.2
57.1
106.94
92.73
54.4
85.89
48.6
80.44
45.9
72.41
39.3
20
63.80
31.7
40
49.43
18.5
54.17
26.4
60
121.27
80
25.35
1.2
Billion rubles
100
CMTPL statistics
Billion rubles
90
Number of victims, who have received compensation for the
damage, volume of insurance payments
ths
3,000
78.1
80
2,500
70
62.2
54.4
60
45.9
50
57.1
2,000
48.6
1,500
39.3
40
31.7
26.4
30
1,685
18.5
20
10
0
2,292
1,884
2,439
2,557
2,705
1,000
1,962
1,415
1,141
500
891
2004
2005
2006
2007
2008
2009
2010
2011
2012
Number of victims, who have received compensation for the damage (ths)
Insurance payments (billion rubles)
2013
0
Direct settlement of claims
2003 – 2009 :
Victims
Application for claim
Guilty person’ insurer
Indemnification payment
Problem: Victim isn’t a client of this insurer
Insurer isn’t interested in quality claim settlement
Victims
Since 2009 - direct claims settlement
Application for claim
:
Victim’s insurer
Indemnification payment
Claim for
compensation
Compensation
payments
Guilty person’ insurer
4
Direct settlement of claims
Indicator
The amount of indemnification payments
The average amount of insurance payment
Number of claims rejections
Number of insurers’ complaints
concerning direct claims settlement
agreement
2013
Changes
2013/2012
17,347 billion
rubles
+51,88 %
22,9 ths rubles
+12,3%
68 423
+65,49%
5
-72%
28,1%
+26%
Part of claims of the total MTPL’ claims
Conclusions:
 Number of claims increases
 Number of complaints reduces
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Direct settlement of claims
Number of complaints reduces
Number of claims increases
Purpose of direct claims settlement achieves
At present: victim may apply for insurance indemnification
Direct settlement should become the only possible way for claims settlement (it
contains in the Federal Law about MTPL)
6
Payments between insurance companies
at direct claim settlement
CLAIMS
Insurance Payment System
CLAIM
REGISTER
order to start
the payment
session
order to pay
the debts
Insurance
companies
payments
info
reimbursement
FROM
reimbursemen
t TO
bank FOR
PAYEMENT
S
money
from
deposits
(funds)
GUARANTEE DEPOSITS (FUNDS)
Banks for
GUARANTE
E DEPOSITS
(FUNDS)
7
Simplified system of road accident reporting
Number of settled claims
2011
2012
Increase
28 485
42 596
49,5%
Share of requests: 8,09%;
It’s necessary to improve the simplified system of accident reporting
Maximum amount of insurance payments:
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 insurance payments in 4 Russian regions = amount of MTPL limits
if:
 Vehicle is equipped with GLONASS;
 The possibility of using data of surveillance videocamera.
8
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 the effective CMTPL insurance rates.
Insurers put information about insurance contract in CMTPL database within 15 days
from the moment of conclusion of the insurance contract.
CMTPL database contains information about ≈ 120 million insurance contracts (40
million of them was concluded in 2013).
Information about every insurance contracts includes about 50 items.
Since 2013 insurers put into CMTPL database information about MTPL policies blanks.
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E-policy
At present :
Insurance policy (on paper)
Control by police officers (on the road)
Future prospects:
: document)
Insurance policy (electronic
Control by surveillance
videocamera
It will be necessary to connect police
database and MTPL database
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Thank you for your attention!
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