How to create effect of a scorched earth for insurance swindlers? What reasons of their emergence and how to fight against it? What prevents to get rid completely of insurance frauds? Zhuk Igor , the department director Central bank Russian Federation (Bank Russia).
About "scorched earth"
– Remember the phrase "Yes" during presidential election. Here and at us now on fight against fraud in insurance it turns out.
– there are regional specifics on fight against fraud? – Precisely "yes"!
– there is a refinement of actions of swindlers? – Precisely "yes".
– there are notable results? – "It is exact not"!
– there is a separation of our actions? – "Precisely "yes"!
in it to a paradigm in insurance market we now live. We while have no notable results, but there were road maps and actions. It is no secret that for the last 1,5-2 years the situation on coordination of actions on places cardinally changed. But honestly we admit that while we did not manage to create a scorched earth for swindlers.
About migration of swindlers
– We were recently in business trip in one of provinces Ural Federal District. Discussed a subject of fight against fraud in CMTPL, decisions on coordination of actions were made. In 4-5 months in this area the situation cardinally improved. On the other hand, swindlers moved to the next areas where fight against fraud is not conducted and there to situations there sharply worsened.
Why the such occurs? Because fight against fraud yet has no universal character.
About a didzhitalization of insurance
– the Subject of fight against fraud is a subject of introduction of information technologies in the insurance market .
Didzhitalization is extremely important, but here we have to have the finger on the pulse. Striking example – electronic sales CMTPL. As soon as we started developing this market, the same there were swindlers. On fences announcements "CMTPL not to insure. Here to you phone, the average commissioner will arrive and will buy the electronic policy after road accidents".
it is obvious tothat there were gaps in the legislation. the Mistake was that the electronic policy can be bought always, even at the time of road accidents. We received army of swindlers who right there used these gaps. Shortly this standard opportunity will be eliminated, the temporary franchize when the electronic policy will work with any log on time will be entered.
About bureau of insurance stories– Now large-scale fight against fraud is not present