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At us two news to the Latvian motorists. At first the good. In our country and at neighbours of Lithuanians still the lowest the price for policies of obligatory insurance of vehicles (ОСТА). The second news cost of policies has increased and will continue to grow in the come year. |
In the end of December in Riga there were representatives of the Latvian and Lithuanian bureau of insurers of vehicles. And in the press release extended in this occasion first of all have declared, that the price of policy ОСТА in two brotherly countries several times more low, than in the old EU countries. To what it? Speech about cost increase обязаловки for certain will shortly come.
In many respects Lithuanian and Latvian insurance the markets are similar, the head of the Lithuanian Bureau of insurers of vehicles Альгимантас Крижинаускас informs. For certain and consequently, that in Lithuania of market OSTA of 40 % Latvian companies BTA, Baltikums and Baltic Polis (which owns Parekss apdroinanas kompnija) occupy.
There are also differences. So, according to the chairman of board of Latvian bureau Юриса Стенгревича, at us system OSTA has started to operate in 1997, at neighbours only in 2002. If the system of the co-ordinated messages actively works for us also quantity of the road accidents registered with its help in last year has made already 50 %, in Lithuania it will be installed only in 2008.
Lithuanians лихачат abroad
One more essential difference the Lithuanian drivers have even more often accidents abroad, and there the sizes возмещений much more, than at us, admits Крижинаускас. But the main thing that unites the market of insurance of transport of two countries, is losses of insurers, after all on request of EU limits of insurance indemnifications grow.
The head of the Lithuanian bureau has informed, that in 2005 in Lithuania they have made the record sum of 9 million Ls. A unique exit which sees in the circumstances, increase of cost of policies. In Lithuania last year she has grown on 2530 %. Whether it has increased at us?
As Elena Alfeeva has told to Telegraph the vice-president of insurance company BTA, policies ОСТА will grow for certain in the price in 2007. As to 2006, that, according to CSDD, the quantity of the registered and serviceable vehicles for 9 months of last year in Latvia has increased by 11 %, and volume of awards on 13 %. That is their cost has grown minimum.
As considers Алфеева, the companies at which other reserves are settled, should lift cost of the obligatory insurance by all means. However, on its belief, reserves still remain it, first of all, optimisation of the work and reduction of administrative expenses. So, as she said, on the average these expenses at the Latvian insurance companies reach almost 36 % from the sum of payments while in the West this indicator can be held on a lath to 20 %.
For three quarters of last year net-compensation, paid by the insurance companies on ОСТА, have made 3,974 million Ls, that on 35,7 % more than for the same period of 2005. For same time the volume of the signed awards has increased all by 5,1 %. As a result insurers ОСТА for 9 months have suffered losses at a rate of 2,7 million Ls. In the table that is visible also, administrative expenses of our insurers are how much great.
The experts of the insurance market interrogated by Telegraph have agreed that ОСТА in new year will rise in price. But nobody has made bold to name more or less concrete figures.
I usually buy insurance ОСТА of times in 3 months. As on system bonusmalus I am in high enough 10th class last year constantly was in an anticipation of discounts and reduction of cost of the policy. However all has occurred just what isn’t needed. In the spring the policy has managed to me approximately in 18 латов, in the summer in 21, in the autumn almost in 25. That it turns out: irrespective of the fact how you go, the insurance price grows?
As Elena Alfeeva has explained the vice-president of insurance company BTA, to insure the car for the minimum term which makes today 3 months, is very unprofitable. In this case notorious administrative expenses strongly increase. The adviser of company Ergo Latvija Selga Kozlovska has specified, that they increase approximately by 25 %.
So, on a site of the first company it is visible that to insure the car of a certain class and a weight category for 3 months will manage in 18,44 Ls (or 73,76 Ls in a year if to pay four times each three months). And buying the policy at once for a year 48,03 Ls. In the second company these figures it is a little separated. 17,85 for 3 months (71,40 Ls in a year) or 52,29 Ls at once for a year. Thus insurers struggle with costs at the expense of clients.
In a case with our reader it is possible to explain a rise in prices two reasons: or ОСТА grows in the price without superfluous advertising, or our reader buys the insurance from intermediaries who add such extra charges what it will like to its cost.