What affects the price of compulsory ruen

How much do you pay for the required liability? It decides not only whether you have driven without accidents in recent years, but also a number of other circumstances. Insurance companies have this principle set out in the insurance called segmentation of compulsory liability. It is completely foreign abroad, in the Czech Republic it has so far been introduced by six out of nine couples.


In the world of insurance companies, consider how best to distinguish the risks of ideas from good ones and, according to that, provide them with insurance. Although the system is not fully fair, but they find out more of the connection parameters, so they are better able to evaluate the riskiness of the client. Tm good then reduce the price of insurance and vice versa.

In Germany, for example, the Allianz insurance company uses segmentation criteria, such as language, long-term practice, and the number of kilometers traveled. Look at the number of people who drive the vehicle, whether the owner is a private person or an entrepreneur, according to the power and content of the engine, the ton of the vehicle, the city where the vehicle is located (city / country).

For example, the color of the car is also interesting. Applicants for insurance must fill in a very detailed questionnaire and accordingly assess its risk and calculate the insurance rate.

Mount in my big brother’s car

Do the same in the UK. When assessing the risk of the client, parameters such as gender, age and living were taken into account. The extreme case is represented by the Norwich Union insurance company, which installs a driving device in the form of a small monitor in the car. Under the slogan Pay as you drive (plate depending on how you drive) in the UK drive several thousand cars. Eclipse voluntarily and for an exam.

ern skce will not miss anything. Speed, number of kilometers traveled, long distance, hour when the car started and so on. Skka does not overwhelm all the data, which is then connected via a satellite. Thanks to the connection connected to the satellite, it connects to a place where the car is located, which in the case of a bush or a crash. After evaluating all the gains, the insurance company can very accurately assess the riskiness of each person and adjust the insurance rates accordingly, even on a monthly basis.

V esku zle i na regionu

In the Czech Republic, as well as abroad, the contents (stroke volume) of the engine or the weight of the vehicle are used for the basic classification of vehicles. The individual distinction of risk drivers, which is applied by all insurance companies, represents the bonus / malus system.

people who drive without accidents, get a favorable rate every year, increase by 5 percent. For 2006, most couples will offer clients a bonus of 30 percent.

It was prepared for 2004 by two insurance companies (Allianz and SOB) and a new system. Segmentation of obligatory ruins by other parameters. people from the lowest risk groups received suitable rates of compulsory liability, risk people had to

Allianz pojiovna has prepared three regional tariffs R1 (Prague), R2 (cities with more than 90,000 inhabitants) and R3 (cities and municipalities with less than 90,000 inhabitants). When setting the rates, he also took into account the idea and whether it is a private person or an entrepreneur.

In 2004, SOB pojiovna began to apply the criterion of being favored by the least risky districts in terms of accidents. In the first year, the idea favored in 13 districts, and in large cities, on the contrary, rates increased. For 2006, the number of districts increased to 37 at a suitable rate, thus favoring rates for cars older than 10 years.

In 2005, Generali and UNIQA were added. Both insurance companies favored the obligation to drive in smaller cities, UNIQA took into account the need for driving. For the year 2006, the criteria influencing the rates of compulsory liability are again a bit more, the company Callin was added to the market, which distinguishes the segmentation of rates according to residence, age and gender.