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Auto Insurance term online, quotes

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National Agency for Financial Studies (NAFI) in late 2006 a study was conducted "Car owners and insurance: new aspects of cooperation", which was a part of a series of studies of consumers of financial services. The results obtained are of great interest to both insurers and representatives of the insurance market infrastructure, and for agents and clients of insurance companies.

The study "Car owners and insurance: new aspects of cooperation" was held at National sample of polls, which is implemented on a four-stratified scheme and includes 39 regions, grouped in multi-dimensional classification of the 27 strata. The sample included 153 points of the survey in 100 villages. It covers the resident adult population of Russia is over 18 years. The volume of the total sample - 1,600 respondents. In this case study had its own peculiarity: at National sample used an additional selective factor - the presence of a car from the respondent.

1. Characteristics of the Russian fleet

According to the survey, the Russian passenger car fleet is characterized by a high share of domestic cars and cars older than 5 years. The share of foreign cars to 5 years is only 8%, cars older than 5 years - 10% of domestic cars up to 5 years - 35%, domestic cars older than 5 years - 47%, with cars up to 5 years of age constitute 43% and over 5 years - 57% of cars are Russians. Overall, more than half the fleet is concentrated in medium-sized cities (from 500 thousand to 1 million people - 28%, from 100 thousand to 500 thousand people - 25%). To Moscow and St. Petersburg for 15% of the fleet, in cities with populations over 1 million people - 25%. Small towns and villages contribute little to the formation of the fleet. Foreign cars up to 5 years are evenly distributed between cities with a population of more than 100 thousand people, and in cities with a population of 50 thousand to 100 thousand people have only a small percentage of new cars. We can also note a large share of new foreign cars in Moscow and St. Petersburg, as well as increase the share of domestic cars, especially older than 5 years, with a decrease in population for this item.

Table 1. The structure of the fleet the Russians in 2006, and its distribution on Human Settlements

Moscow, St. Petersburg more than 1 million people from 500 thousand. up to 1 million people from 100 thousand. up to 500 thousand. 50 thousand people. 100 thousand people. Rural settlements Total RF

foreign car up to 5 years 10% 6% 7% 9% 3% 6% 8%

foreign car older than 5 years 11% 9% 10% 14% 7% 12% 10%

domestic production of up to 5 years

35.5% 37% 36% 35% 41% 27% 35%

domestic production over 5 years 44% 48% 48% 44% 49% 47% 54.5%

Total autopark 15% 25% 28% 25% 4% 2% 100%

Among the largest proportion of car owners are men - 82%, women make up 18% in the segment. Despite the small size of the "female" segment, it is characterized by pronounced features - a higher percentage of ownership foreign cars (25% vs. 17%) and new cars (53% vs. 42%). With increasing age of the respondents share of foreign cars is reduced, and possession of domestic cars, especially older than 5 years increases. From the perspective of the main activities of the respondents, most pronounced in the possession of foreign cars a group of people engaged in private business, senior managers, as well as housewives.

Table 2. Autopark Russians according to sex and age of the vehicle owner

Sex Age

Male Female 18-24 25-34 35-44 45-59 60 and older

foreign car up to 5 years 7% 12% 10% 8% 7% 7% -

foreign car older than 5 years 10% 13% 7% 13% 11% 11% 3%

domestic production of up to 5 years 35% 41% 35% 38% 38% 33% 33%

domestic production over 5 years 49% 34% 49% 42% 44% 50% 63%

Despite the boom in car loans, most car owners gets a new car for his own money (54%) or sell an old car to buy a new one (13%). Loan behavior when buying a car is realized in different ways. First of all, car owners take the money borrowed from relatives, friends and relatives (10%). Second, make out a bank loan or a car show (12%). Third, some car owners have a car as a gift.

Table 3. Purchasing a car

TOTAL including

Foreign Car Foreign Car up to 5 years over 5 years Domestic vehicle up to 5 years of Domestic cars older than 5 years

Fully acquired their own money 54% 47% 63% 46% 58.5%

Sold the old car, he added, to buy the new 13% 16.5% 14% 14% 12%

Bought with money borrowed from relatives, friends and relatives 10% 9% 8% 8.5% 11%

Was presented with a 9% 7% 5% 9% 10%

Bought on credit, taken at the bank 7% 7% 8% 10% 4%

Bought on credit, taken in the showroom 5% 11% 2% 10% 1.5%

Other 1%

Difficult to answer 1%

In the model of the acquisition of "their own money" or "sold an old car," dominated the share of domestic car owners, the proportion of car owners are older than 5 years exceeds 51%. A similar pattern is observed in the model "got the car as a gift" and "took money from friends, acquaintances and relatives." More likely to receive a car as a gift or bought with money borrowed from friends, friends, relatives, students and housewives. Buying on credit through the dealer more pronounced among the holders of foreign cars and domestic cars up to 5 years, and the channel "has acquired their own money," is typical for foreign cars and domestic cars older than 5 years. Proportion acquiring a car for his own money raised in large cities (from 500 thousand people and more than 1 million people), as well as in small towns from 50 to 100 thousand people. The number of respondents who have used auto loan at the bank increased in medium and large cities (from 100 thousand to 1 million people), car loan, taken in the showroom, enjoy less popularity in major cities from 500 thousand to 1 million people. Female motorists more often than men get a car on credit in the showroom (9% vs. 5%) and receive a gift (16% vs. 7%), but rarely buy it at their own expense (43% vs. 56%). With age, the share of car owners who have purchased a car for his own money and sell the old car to buy a new one. Younger respondents are more likely to buy a car for the money borrowed from relatives, friends, relatives, or receive it as a gift. In the middle age group (from 25 to 44 years) to a greater extent than others, expressed in channels, "took credit in the showroom" and "took out a bank loan." With increasing levels of subjective and objective income is decreasing vehicle owners who purchased their car completely for their own money or with money borrowed from friends, acquaintances, relatives, and also received a car as a gift. Accordingly, the share of people who have taken credit in the showroom or the bank.

Table 4. The method of buying a car based on the subjective assessment of the level of income

We barely make ends meet on food enough money, but buying clothes is financial difficulty for buying long-term use is a problem for us is difficult to buy really expensive things we can afford an apartment, villa, etc.

Fully acquired their own money 61% 65% 52% 53% 51%

Bought with money borrowed from relatives, friends and relatives 18% 5% 12% 9% 8%

Sold the old car, added to purchase a new 7% 7% 13% 15% 15%

Was presented with a 4% 11% 9% 9% 9%

Bought on credit, taken in the showroom 7% 3% 6% 6% 6%

Bought on credit, taken directly to the bank 4% 6% 6% 7% 4%

2. Using the services of car insurance (CASCO)

In 2006, only 10% of car owners in Russia had a policy of motor insurance CASCO, of which almost two-thirds of insured lives in Moscow and St. Petersburg (26%) and urban-million (36%). On the town with a population of 500 thousand to 1 million people account for 20% avtostrahovateley on the town with a population of 100 thousand to 500 thousand people - 13% in small towns and villages - 2% of the insured. Accordingly, the highest level of use of Hull celebrated in Moscow and St. Petersburg (18% of car owners have a policy of CASCO) and the cities of over one million (15%). High levels found in rural areas 12%, which is unusual for this type of settlements. In cities with populations between 500,000 and 1 million share of car owners who have a policy Hull, is on the level of 7% in cities of 100 thousand to 500 thousand people - 5%, from 50 thousand to 100 thousand people - 6%.

The presence of Hull have 31% of respondents who own cars up to 5 years, 16% of the domestic cars have up to 5 years, 7% of the owners of cars older than 5 years and 3.5% of respondents with domestic cars older than 5 years. Hull have 41% of respondents who bought a car on credit, taken in the showroom, and 21% used a car loan, taken at the bank. From purchasing a car in other ways car owners do not insure the hull more than 7-8%. Among women, the proportion of users Hull car owners than among men (14% and 10%), while at the same time, in absolute numbers, the vast majority of avtostrahovateley still are men (77%).

Composition of the user voluntary motor (CASCO) is as follows:

In Fig. 1. Average Hull on type of car in 2006, and the methods of its acquisition

The structure of the insured the largest part of people aged 25-34 years - 36%, followed by the group aged 35-44 years - 27%, 45-59 years - 23% 18-24 13% - and, finally, 60 years and older - 1%.

With rising incomes, especially for subjective evaluation, there is an increase in the number of users Hull. At the same time insuring the segment of car owners with a high level of income is small - only 9% of the policy holders CASCO. The bulk of the insurers have the middle class: the level of income close to a high (56%) and lower middle income (32.5%). The poor make up 2.5% avtostrahovateley.

Interesting answers from respondents about the factors that influenced the decision to buy insurance. It is noteworthy that 30% of cases the decision to purchase insurance CASCO influenced the negative experience - his own ("I once suffered damage due to lack of insurance") or friends ('example influenced acquaintances who have suffered damage due to lack of policy "). About 18% of car owners have implemented a rational model of behavior ("I always knew about the benefits of insurance"), but the entreaties of an insurance agent yielded only 8% of the insured hull, and advertising in general, influenced only 1% of cases. Among the car owners - women are more pronounced the tune of "always knew about the benefits of insurance (26% vs. 16%), as well as the influence of example, acquaintances (28% vs. 16%), to a lesser extent women rely on the recommendations of friends (15% vs. 26%) and conclude contract under its own negative experiences (3% vs. 14%).

Table 5. Factors affecting the decision to purchase the policy Hull

All motorists, including

Male Female 18-24 25-34 35-44 45-59

I once suffered damage due to lack of insurance 11% 14% 3% 17% 7% 13% 14%

Influenced by the example of acquaintances who have suffered damage due to lack of policy 19% 16% 28% 17% 18% 22% 17%

I always knew about the benefits of insurance 18% 16% 26% 26% 15% 18% 19%

Came to me and told the insurance agent about the benefits of insurance 8% 8% 10% 4% 4% 11% 11%

I have read articles in the press or a book of insurance 5% 5% 8% - 2% 11% 8%

I saw an advertisement of insurance services in the media 1% 1% 3% 4% - - 3%

I was advised to familiar people whom I trust 23% 26% 15% 26% 26% 16% 25%

Another 32% 31% 33% 26% 33% 36% 28%

Difficult to answer 2% 2% 3% - 2% 4% 3%

3. Considerations of the insurance company

In most cases the choice of insurance companies conducted by the respondents on the recommendations of friends (46%) or personal experience (18%), somewhat less - under the influence of advertising (16%) or insurance agent (14%).

Table 6. Considerations of the insurance company

All motorists, including

Male Female 18-24 25-34 35-44 45-59 60 and over

Recommendations of friends whom I trust 46% 44% 54% 56% 44% 42% 43% 50%

Own experience with the insurance company 18% 17% 23% 16% 19% 17% 20% 18%

Advertising 16% 16% 16% 17% 16% 15% 17% 13%

Visit an insurance agent 14% 14% 13% 9% 15% 15% 16% 9%

The information in the media about the results of the company's 7% 7% 6% 7% 7% 5% 7% 16%

Information on the site of insurance company 2% 1% 4% 2% 2% 2% 1% 2%

Another 20% 21% 15% 14% 17% 24% 25% 18%

Difficult to answer 3% 4% 1% 2% 5% 4% 2% 4%

Women are more likely than men choose a company on the recommendation of friends and from my own experience, as well as using the information on its website. Motorists older when choosing a company oriented to a greater extent on the outcome of the company. It is noteworthy that in all age groups of car owners are the most significant factor in the recommendation of friends, in second place - his own experience and only then - the advertising, media information and job agents.

Table 7. The evaluation criteria of the insurance company

All motorists, including

Male Female 18-24 25-34 35-44 45-59 60 and over

Reliability 54% 53% 59% 57% 57% 50% 52% 48%

Reputation 36% 34% 48% 39% 37% 36% 35% 29%

Experience in the market 20% 19% 25% 23% 20% 19% 20% 18%

Price of the policy 19% 19% 23% 21% 20% 16% 19% 29%

Quality of service 21% 20% 24% 28% 19% 18% 20% 14%

The proximity of the office 16% 16% 15% 12% 14% 18% 20% 18%

The presence of friends who work at 12% 13% 9% 11% 11% 16% 11% 11%

Another 6% 7% 5% 4% 7% 6% 7% 7%

Difficult to answer 3% 3% 2% 2% 3% 3% 3% 4%

It is also interesting that, as the insurance products they use in addition to motorists Hull named the following: flat insurance (8%), LCA (8%) and insurance cottage or country house (5%), children's insurance against accidents (3%) , his own life insurance (3%), insurance, yourself from an accident (3%), travel insurance (3%), cumulative insurance for children (1%) and other types of insurance (1%).

At the same time 77% of car owners said they did not use any services at all of voluntary insurance.

Given the fairly low overall level of awareness of the Russians on financial services, we have studied in another study ("Financial literacy is the population of Russia", 2006), we see that the car insurance the same trends are observed. For comparison, one of the key trends that have a significant impact on the development of the Russian financial market in general, is the increase in incomes. This maintains a high level of lack of awareness and poor financial literacy. Against the background of growth of savings and investment potential of the population, these factors are a major obstacle to full involvement in the use of financial services. The perception of the Russian population, the financial institutions:

"Not available". Most people do not believe financial institutions are sufficiently accessible financial institutions, about 47% of respondents believe that banks are primarily designed for wealthy clients;

"Their services are complex and confusing." About 62% of respondents "strongly agree" or "somewhat agree" that financial services is difficult to understand;

"Investing money is risky." About 64% of citizens do not trust financial institutions;

"Investing money is not profitable"

Most respondents believe that investing in banks is not profitable: over 45%

"Strongly agree" or "somewhat agree" with this statement;

"Russian and foreign banks. Who will trust? ". Foreign banks, contrary to popular opinion, have the trust of a very small number of Russians. Only 3% tend to trust their savings to foreign banks operating in Russia. Leading position in terms of public trust occupied by Russian state-owned banks.

But back to the car insurance market operators and their services to the public. Our results of a study of sales channels leading this type of insurance underwriters allow us to conclude that the priority development of the market in the near future hull insurance for car loans will be. Despite the fact that this segment is still 12% (5% of cars purchased on credit, taken in the showroom, plus 7% - for credit, resulting in the bank), it has good prospects. It has the highest use of hull (41%), due to the "inevitability" of Hull when buying a car on credit. Auto Financing is a major factor in increasing the share of foreign cars and fleet growth of Russians in general. In 2005, auto loans totaled $ 4.5 billion, an increase compared to 2004 by 80%. Most cars in this segment are new, while the credit market vehicles is concentrated in Moscow, St. Petersburg and cities. Insurance premium on Hull, compulsory for car loans, amounted to about 30% of the total charges for car among individuals. Among those who buy hull insurance in showrooms, a lot of people aged 25-44 years, senior managers and people who have a business, with an income above average, and insurers with such characteristics is potentially attractive to cross-sell other insurance products, including accumulative.

Pic2. Dynamics of auto loans in Russia, $ billion

According to analysts, the market for auto loans in Russia will have an annual growth of 60-80%, which will allow to achieve the 2010 target of $ 33 billion, placing major emphasis will shift from the auto loan center to the regions, which will have a corresponding impact on the development of auto insurance .

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