Deputies of the State Duma of the Russian Federation from the LDPR faction, headed by Yaroslav Nilov, introduced a bill that would allow linking the OSAGO policy to the driver, and not to the car. The document has already been placed in the electronic database of the State Duma. According to this bill, car owners will be able to choose whether they will tie the OSAGO policy to the driver or to the car. Now there is no such choice: the OSAGO policy is issued for a specific vehicle. In this case, a person who uses several cars must be included in each policy issued for them, or the insurance policies must be without restrictions, which entails an increase in the insurance premium.
According to the authors of the bill, a significant drawback of the current compulsory insurance procedure is that the insured is financially responsible for those indicated in the OSAGO insurance policy. In addition, the size of the insurance premium is affected by the age and length of service of drivers admitted to driving this vehicle and indicated in the OSAGO policy, as well as the presence or absence of insurance payments from them in the event of insured events that occurred during the validity period of previous OSAGO agreements. In addition, as Boris Paykin, one of the authors of the initiative, noted, about 4 million cars are sold annually in the secondary market in Russia. This means that 4 million CMTPL policy holders terminate it ahead of schedule (possibly with loss of funds) and 4 million buyers issue the policy again.
According to the new bill, the OSAGO policy can be tied to the driver, and not to the car. With such an insurance policy, the driver will be able to drive any vehicle in his possession, the category of which matches the category specified in the insurance policy. In addition, with this policy (by proxy or with the consent of the owner), the insured will have the right to drive a vehicle, the owner of which he is not. At the same time, there will be no need to additionally add it to any other insurance policy. And in the case of selling one car and purchasing another car of the same category, the insured does not have to change the policy. According to the authors of the initiative, the adoption of this bill will allow citizens to choose which type of OSAGO agreement is the most beneficial for them.