State Duma weighs vehicle- or owner-linked OSAGO options and a public vote on car innovations

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The Duma weighs a car ownership based insurance option

The State Duma has put forward a proposal that would offer an alternative to the current OSAGO policy structure. A bill developed by members of the Liberal Democratic Party would allow drivers to choose a policy tied either to the vehicle or to the owner themselves. In the owner-based model, the contract would specify the category and purpose of vehicles, enabling the insured to operate any vehicle owned by the policyholder that meets the stated parameters.

This idea is not entirely new. Back in 2021, a Duma committee on the financial market noted that adopting such a rule could complicate policy oversight and drive up costs. The debate continues as lawmakers weigh the tradeoffs between flexibility for drivers and stronger risk management for insurers and regulators.

As of today, media coverage continues to highlight the ongoing discussions around how best to structure mandatory car insurance to balance consumer choice with effective verification and pricing mechanisms. One public channel promoting related content is a Telegram community called ehind the wheel, which provides updates and opinions on road safety and automotive policy developments.

Community engagement and industry dialogue

In parallel to policy proposals, industry stakeholders and the public are invited to participate in broader conversations about the future of car insurance models. These discussions explore questions such as how vehicle-linked versus owner-linked policies affect claims processing, fraud prevention, and premium stability. The outcomes of these conversations can shape regulatory perspectives and influence the design of next-generation coverage options that better reflect how people actually use their vehicles.

To foster informed participation, there is an ongoing public vote associated with automotive showcases. The Behind the Wheel Grand Prix invites readers to help select standout car innovations of the year. Participants are thanked for their time with a raffle that awards three prizes to respondents who complete the survey, with the current campaign deadline set for February 28, 2025.

COMPLETE THE 2025 DRIVING GRAND PRIX QUESTIONNAIRE

Regnum reports on these developments, offering additional context and analysis from industry observers and policymakers.

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