| Ukrainian “autocitizen” came into force Ukrainian car owners are starting to live by the same rules as Russians. Avtograzhdanka, which has been operating in Russia for almost two years, has fully come into its own in Ukraine. This is stated in an official telegram from the head of the traffic police department of the Ministry of Internal Affairs of the Republic, Serhiy Kolomiets, addressed to the heads of regional traffic police departments, the text of which was distributed by the Ukrainian News agency.
The Ukrainian authorities followed the Russian path and gave their car owners six months of deferment to get used to the fact of the existence of compulsory civil liability insurance while driving. In Russia, the effective date of the law “On compulsory motor third-party liability insurance of vehicle owners” is July 1, 2003, at the same time the traffic police began to require policies from the MREO during technical inspection and registration of vehicles. On the roads, car owners who do not have a compulsory motor liability insurance policy began to be fined only on January 1, 2004.
The Law “On compulsory insurance of civil liability of owners of land vehicles” has been in force in Ukraine since January 1. It was planned that it would become fully operational on April 1, when traffic police officers would have the right to check the availability of insurance policies among car owners. But in early March, the State Traffic Inspectorate of the Ministry of Internal Affairs of Ukraine stated that it “does not intend to check vehicle insurance due to the unsettled mechanism of administrative liability for the lack of an insurance policy.” At the end of March, the press service of the Ministry of Internal Affairs of Ukraine reported that the traffic police will check the availability of policies only when issuing a technical passport, the next technical inspection and in case of serious violations of traffic rules. It’s only now that things have come to real action.
Ukrainian sanctions against car owners who ignore the requirements of the law are softer than Russian ones. Police checks will be carried out by traffic police officers mainly during vehicle inspection and registration. During roadside checks, the inspector will issue a fine for lack of insurance only if the car owner has violated traffic rules and a protocol has been drawn up. Administrative measures will be applied to drivers who do not have a compulsory motor liability insurance policy. The fine for violators of the civil motor vehicle law in Ukraine is from 8.5 to 17 hryvnia (48-96 rubles), in Russia - 500-800 rubles. According to research, only 54% of Russian car owners were checked by traffic police representatives for the presence of an MTPL policy. There are prerequisites that in Ukraine this percentage will be much lower.
According to the Motor Transport Insurance Bureau, in January-April 2005, Ukrainian insurers sold 844 thousand compulsory motor insurance policies - this is about 10% of the total number of cars registered in Ukraine. The average price of the policy is 218 hryvnia, or about 1200 rubles. (in Russia - about 1900 rubles). The limit of liability for damage caused to the health and property of third parties is 51 thousand and 25.5 thousand hryvnia, respectively - this is about 288 thousand and 144 thousand rubles. against 240 thousand and 160 thousand rubles established by the rules of the Russian “automobile citizenship”.
Experts estimate the capacity of the Ukrainian motor insurance market to be about 2 billion hryvnia per year, or 11.3 billion rubles. 77 Ukrainian insurance companies received licenses to carry out compulsory motor liability insurance.
According to the Russian Federal Insurance Supervision Service, in the first quarter of 2005, the collections of Russian insurers under compulsory motor liability insurance amounted to 12.995 billion rubles. Of the market leaders - Rosgosstrakh, RESO-Garantiya, Ingosstrakh and ROSNO - Ingosstrakh and ROSNO have their representative offices in Ukraine. Ingosstrakh's subsidiary INGO Ukraine (formerly IC Ostra-Kyiv) is also a leader in the MTPL market, competing with local companies Oranta and Garant-Avto and the Polish PZU-Ukraine. ROSNO opened its representative office in Kyiv in late May. Asya GUBINA |
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