Temporary method for OSAGO repair cost calculation based on analogue spare parts
The Bank of Russia has proposed a temporary approach to calculating repair expenses under OSAGO, using the prices of analogue spare parts that resemble original components. The regulator’s press service noted that this measure is being introduced to address significant uncertainty in the cost of genuine parts and persistent issues with their availability. In practical terms, insurance payouts under OSAGO would be determined by comparing the required repairs with prices for parts that are functionally equivalent to the originals. This approach is intended to stabilize costs during a period of market disruption and supply challenges.
When evaluating claims for vehicles produced by manufacturers from unfriendly states, the same principle applies. For cars manufactured by brands from countries that have not faced sanctions, repair costs are still calculated using the prices of original spare parts when they are available. If original parts are unavailable on the market, the prices of similar, non-original parts are used as a benchmark. This ensures that pricing remains consistent even when authentic components are scarce.
RSA position
Insurers have expressed support for the Central Bank’s proposal, arguing that it could help curb the rapid growth of costs tied to mandatory vehicle insurance policies. By anchoring payouts to a broader range of part options, the market can avoid sudden spikes driven by limited supply and sanctioned import restrictions. This alignment between regulatory intent and insurer practice seeks to protect consumers while maintaining policy viability.
Market dynamics have shifted as some car manufacturers have withdrawn from Russia. In many cases, official original spare parts for certain models have become unavailable domestically or have become prohibitively expensive. Yet a robust market for automotive components exists, offering alternatives that meet or closely approximate original specifications. In some instances, these third-party parts are produced in the same facilities, on the same equipment, and to comparable quality standards, providing a viable substitute for repairs.
For illustration, consider a windshield. Before sanctions, a branded windshield from the automaker could cost around 25,000 rubles. A non-branded version without the original maker’s mark might be priced near 10,000 rubles. After sanctions were imposed, the price of the original component either rose sharply or became unavailable, accentuating the role of non-original parts in maintaining repair feasibility and affordability. This example highlights how market responses have evolved under the current regulatory and geopolitical environment.
Presently, the average prices in spare parts directories reflect a blended view of costs for both genuine and non-genuine components. This blended approach helps ensure that repair costs under OSAGO remain predictable for policyholders, even as supply chains adapt to sanctions and shifting availability. The overall aim is to balance consumer protections with practical repair realities, avoiding excessive cost burdens while upholding safety and integrity on the road.
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