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Tomorrow the state Duma plans to consider in the first reading the draft bill requiring insurers to specify in the contract with physical persons the size of the fee of the mediator. Speech, in particular, goes about all the mandatory insurance policies, the insurance policies to ensure consumer credits, insurance of housing and property of tourists. The stated purpose of MPs is to make more transparent the insurance market, which involved going up to 70% of all premiums, and the fees can be tens of percent. Officially all market participants welcome the initiative, according to some experts, it can lead to growth of black commissions and to the courts clients with insurance companies.On Friday the state Duma Committee on financial market recommended the house to adopt in the first reading the bill on the revision of article 3 of the law “On organization of insurance business in RF”. Its consideration at the plenary meeting is expected on July 14. The amendments require insurers to specify in the contract for a number of types of insurance the amount of Commission broker. This applies to all binding types (including insurance), insurance of houses and apartments under the law on the protection of property of citizens from emergencies, imputed types of insurance, when the policy is a condition for admission to the professional activity (notaries, appraisers, arbitration managers, etc.), property insurance of tourists and the policies as security for the obligations of the borrower under the consumer crediting.The bill was introduced by a group of deputies headed by Irina Spring in February. As stated in the explanatory Memorandum, “the bill is designed to ensure that the interests of citizens to receive complete information on the cost of insurance services and implementation capabilities to adequately assess the risks of refund of the insurance premium in case of early termination of the insurance contract”. Members noted that the share of premiums collected by insurers are involved, is not less than 70%. The share of the remuneration of intermediaries is increasing. According to the Central Bank, at the end of the first quarter of 2020 the average size of a fee on market was 29%. The most active sellers of insurance are banks, average size of a fee equal to 36.4%, followed by car dealers at 35.9%.However, according to participants of the insurance market, there were cases when in credit insurance the amount of Commission reaches 97% of the premium. According to him, the market size of the commissions is typical for species that cannot be imposed, for example the hull with intermediary remuneration in the amount of 25-30%. Policies accident insurance the amount of Commission one of the highest, if the insurance is connected with consumer crediting. Car dealers charge for the sale of hull approximately 40%. The travel insurance when making travel agents their Commission is 40%, if the same policy pokuPaty on the website of the insurer is 0%, the agent of the insurer 15-20%. Although the size of the fee for insurance legally limited to 10%, the insurers, according to the interlocutor of Kommersant, profitable customer, and can provide a 30-40% Commission. “10% is indicated directly by the Commission, the rest — as an aid in the settlement of the loss, advertising, additional services,” he says.Officially banks and insurers only welcome the increasing transparency of the relationship between the client and the insurer. Says the General Director of “BCS life Insurance” Andrey Drozdov, insurance fee disclosed by the participants in many developed countries. “Both banks and customers, insurance companies and the transparency allows you to expand the market, to remove non-market players,” he concludes. According to managing Director Absolut Bank Anton Pavlov, “in principle, banks and so reveal the size of their Commission, if you work under a collective insurance contract, and this is a big part of today’s consumer credit market”.Note that the client of the insurer and can now request all the information about the contract. “This possibility is already incorporated in the law on the organization of insurance business, says Vice-President of the Russian Union of insurers Victor Dubrovin.— The question is, what do the clients with the same amount of information. People will either waste time reading five more pages to the contract, losing the focus of its attention from the need for insurance, or are not looking to sign”. According to another source “b”, as only the disclosure requirements take effect, banks and insurers will change the form of the contract so that banks do not lose income from sales of insurance, and the consumer didn’t ask a lot of questions about commissions. “For example, there will be more contracts of adhesion, when the borrower joins the pool of borrowers with no ability to influence the terms of the contract and certain risks”,— he waits.The brokerage community believes that the initiative of deputies of excessive. “The claim to the insurer in all cases to disclose the amount of Commission will ultimately boil down to the fact that customers entering into a contract with an insurance company without an intermediary, directly, will first require the insurers to tariff reduction on the total amount of the Agency fee, and then all will begin to sue the insurance companies for this reason”— he expects the Chairman of the Board of the Association of professional insurance brokers (APSB) Katerina Yakunina. According to her, the duty to disclose the amount of the Agency Commission at the request of the insured recorded in the legislation, but there are many ways to circumvent this requirement. Chapter APSB believes that the idea be required to disclose to the Commission or strictly limit them doesn’t work, solve the problemit should change the approach to the regulation of insurance intermediaries. European Directive IDD suggests the same regulation for all intermediaries, including those for which insurance intermediation is not the main activity. Requirements apply not only to the mediator as to the services provided. This ensures the implementation of a number of conditions — absence of broker conflict of interest (which usually is the main reason for high fees in credit insurance), the availability of sufficient level of qualification and so on.Tatyana Grishina, Maxim Builov