The third driver of the decline is the bonus-malus coefficient

(KBM, a discount for accident-free driving). Not so long ago, many phone number lead drivers did not even know about the existence of such a coefficient, but it allows you to ruce the cost of MTPL if drivers drive carefully. Dishonest insurance company employees, including their agents, took advantage of people’s ignorance and often deliberately set the worst KBM value for a person. This was largely due to the “dirty base” – discrepancies in the data receiv from different insurers. Now you can restore the correct KBM value within 2-3 days.

However, a decrease in complaints about

Insurers does not mean that everything is fine here.

And the problem of compulsory motor third-party liability insurance has not yet been fundamentally resolv (therefore, a market reform is ne), and new types of services are actively complain about – for example, about misselling (imposing the wrong product – Gazeta.Ru) when selling investment life insurance (ILI) policies.

— Does the Central Bank have any measurements of how many swindlers there might be among Russians?

Russia, such surveys have not been conduct

But in Germany, for example, almost a quarter of respondents said that it is normal to deceive an insurance company and receive a payment at its expense. Note that this representative sns services was an anonymous survey. Therefore, the market is gradually moving towards the introduction of an automatic agb directory position tracking system. When registering a European protocol, which allows an accident to be register without the presence of the police, geolocation minimizes the risk of deception when drivers drove into a tree, for example, and then pretend to crash into each other.

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