Such savings, since analogues are often much cheaper than original spare parts, will certainly affect the cost of policies. In addition, as of today, an extended OSAGO tariff corridor will be put into operation.
Of course, the cost of OSAGO policies will change with such innovations. For some, insurance will increase in price, but not for a particular group of drivers. In some cases, OSAGO can even become cheaper.
“There are undervalued segments of insurers, the main increase in OSAGO prices can be predicted for them. At the same time, most car owners are careful and disciplined drivers who do not cause an accident and therefore insurers do not pay insurance compensation because of their fault. For such car owners, even in the current situation with a significant increase in the cost of spare parts, the policy cost will not rise, or it will not be as sensitive as for emergency drivers, “Igor Yurgens, president of the All-Russian Union of Insurers, told RG.
The competition of insurers for a good customer, which has been observed for more than a year, does not allow to fix a very high rate for such customers. For some drivers, the premium may even be lower than in previous periods. For example, in the second quarter of 2022, every third driver had the maximum OSAGO discount.
“In addition, we must not forget that the same car owner can be assessed differently by different insurers. Therefore, if it seems to you that a certain insurer has offered too high a price, taking into account your accident-free history or based on other considerations, you can see what other insurers offer and choose the best option for yourself,” recalls Igor Yurgens . .
Source: Z R
