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Cost of policies of obligatory insurance of vehicles (ОСТА), apparently, is on low start. Long-term losses, приносимые this kind of insurance, and also that fact, that Latvia considerably lags behind on the sizes of payments not that that other Europe, but also from the nearest neighbours, force insurers to rise its price |
In edition of Telegraph the reader who has informed, that three months ago, making out the insurance on the car for 3 months has addressed, it has paid 18 Ls, and last week, buying the similar policy in the same company, it has laid out already 19,5 лата. That is almost on 8 % is more dear. In opinion of the reader, this disgrace as it was not the originator of road accident, and its class on system bonus-malus is high enough, therefore it has the right to expect discounts, but in any way rise in price. Thus the employee who has written out the policy has calmed the reader, that all insurers have raised the prices and will continue to do it in the near future.
The representatives of insurance societies interrogated by Telegraph as it is usual, were cautious in the applications in occasion of rise in price. Chairman of board Balta Janis Abashin has told, that their company rises in the price of the policy, for others for any categories of transport, say, a tractor, lowers. By the way, in structure received возмещений a tractor in the past to year have borrowed only 1,1 %. Therefore that in city policies rise in price, and on village – on the contrary, on the general picture of influence does not render.
And in general, виною to all losses which are brought with this kind of insurance. According to Абашина, the competition the last years was so rigid and “bloody”, that at many participants of the market resources, " hypodermic fat " have simply terminated, and they are compelled to rise in the price. And the tendency is really those, that any more will not be cheaper, only is more dear.
However, to participants of market OSTA just now the sin to complain. The last year which has brought from insurance ОСТА losses at a rate of 292 thousand Ls, insurers consider successful. The matter is that year earlier they made more than 3 million, and in 2003 – nearby 4,4 million Ls.
One more substantiation of increase of the prices. Vice-president of company BTA Elena Alfeeva has informed Telegraph, that cost of the policy in Latvia approximately twice below, than in Estonia. At the same time and payments at neighbours also above not as an example to ours – at average size of indemnification at us in 400 Ls, Estonians, on the average, compensate 800 Ls.
Situation of the last years when all participants of the market frankly демпинговали, will not repeat any more. On belief Алфеевой, today демпинговать in such risky spheres as insurance of transport, becomes simply dangerous. Speaking about categories of transport for which the policy will rise in price first of all, it has mentioned lorries. The matter is that BTA any time held the prices for them below due to owners of automobile transport. Basically, participants of the market subsidize all ОСТА due to other, much more profitable kinds of insurance. But further so cannot proceed.
H2. INSURANCE IN FIGURES