– In the Sverdlovsk region, insurance premiums in 2022 amounted to 23 billion rubles, and according to the results of the nine months of 2023, to 17 billion. If we take into account that, on average, they amount to 6 billion per quarter, at the end of 2023 we will receive the same 23 billion. That is, the total volume of gross collection in the region remained at the same level,” said Natalia Moiseenko, director of the AlfaStrakhovanie branch in Yekaterinburg. At the same time, according to her, insurers were able to make a lot of money by investing funds received from clients.
Other market trends are also positive.
– We feared a significant increase in fraud. The fears turned out to be unfounded: in general, the situation both in terms of collections and payments is quite good, says Evgeny Ufimtsev, president of the Russian Union of Automobile Insurers.
The growth rates were the highest in the life insurance segment and allowed insurers across the country to collect more than 800 billion rubles. In second place is car insurance: OSAGO and CASCO. By the way, for the first time in the last three years there has been a slight increase in the number of MTPL agreements concluded.
The Sverdlovsk region is 78th in the ranking of regions in terms of MTPL fraud risk: it is in the “green” and safe part of the list
– The payments are quite high. In November, the average payment per accident exceeded 100 thousand rubles. And we have fewer complaints and complaints from the regulator than in previous years,” Ufimtsev said.
According to him, the number of CASCO agreements is growing rapidly. Insurers have learned to offer inexpensive packaged products for 5-10 thousand rubles, which do not include a full package of services, but only those that are needed by the owner of a specific car; They are usually purchased in addition to the car insurance policy. By the way, from March 1, insurance companies will also begin to sell mandatory “short” auto liability insurance, for a period of one day to three months. Drivers won’t have to pay for a year if they only drive a couple of months. It is believed that such a step should encourage those who did not do so before to save money to buy insurance.
From July 15, 2023, the possibility of online settlement of traffic accidents is possible. In the Sverdlovsk region in 2023 the number of photographs of traffic accidents recorded using mobile applications amounted to 3874. Drivers from the Urals barely master this service. For comparison: throughout Russia, more than 20,000 traffic accidents were documented with photographic documentation in December alone; in Moscow, for example, its percentage is 20 percent.
It is interesting that the Sverdlovsk region takes 78th place in the ranking of regions in terms of risk of MTPL fraud; It’s on the “green” and safe part of the list.
VHI, voluntary health insurance, has no comparison in volume with the leading segments. However, growth has also been observed here, mainly in large cities such as Yekaterinburg and Chelyabinsk. Some companies include voluntary health insurance in their social packages to retain their employees.
