After an accident, OSAGO repairs can be done using spare parts that are not original, but instead analogues. In most cases, these analogues carry a significantly lower price tag than genuine parts.
Replacement with an analogue is only permissible if the delivery time for the original part exceeds 15 days. The rule applies solely to certified Russian analogue spare parts and consumables that have been approved for use in the country.
Many expected that this newer approach to repairs and the associated payment model would drive down costs, given that analogue parts are cheaper. However, the Russian Union of Motor Insurers, RSA, indicated that prices in the updated directory rose by about 2.6 percent compared to the previous edition.
As a result, the value of benefits will likely need a similar upward adjustment, by roughly the same percentage. Yet the increase may not be significant enough for motorists to feel a real difference. This trend is also likely to influence the overall cost of OSAGO policies in the near term, making price sensitivity a central concern for drivers and insurers alike.
In practice, the shift toward alternatives can affect the speed of repairs and the availability of parts. While motorists may benefit from lower part costs, the longer lead times for original items can translate into longer vehicle downtime. In such cases, insurers emphasize the parity between price and quality, ensuring that selected analogues meet strict safety and performance standards. This balance remains a key factor in how repair costs and compensation levels are calculated during OSAGO payouts.
Industry observers note that even with a broader choice of certified Russian analogues, the total bill for repairs will depend on several variables beyond the price of parts. Labour rates, the extent of damage, and the need for additional components all play a part in shaping the final expense. Consumers are advised to review the scope of coverage under their OSAGO policy and to discuss available options with their insurer to understand how changes in part sourcing might impact their compensation and premium levels, both now and in the future, as market conditions evolve and regulations adapt to consumer needs and safety considerations.