Canada: Province of Manitoba makes insurance

The new program, which comes into effect from 01.03.2010, the province of Manitoba would save drivers about $ 1 million, maintain insurance officials.

"New Security Rating Drivers (Driver Safety Rating, DSR) enables insurers to get even bigger discounts if they drive carefully" – inspired by Marilyn McLaren, president of the Insurance Company the province Manitoba. – "This is another reason to travel on the road without breaking the rules – in fact the best incentive – a financial incentive."

The transition to the new program will last 14 months, until February 28, 2011. For each driver, this transition will be made exactly four months after the date of his birth. McLaren confident that after the introduction of new programs, some very neat drivers save on insurance of up to 30%: "Most people in our province of Manitoba drive very carefully, so that 97% of them will pay or the same as now, or less."

Benefits of Driver Safety Rating, DSR:

- Instead of the five existing classes breakeven (merits, the Russian analogue of the bonus-malus) will be available fifteen;

- In the current system to make a buck class, 2-year breakeven requires driving. The new system for each year that has passed without any accident caused by a driver, he will be charged lowering class;

- If a driver with a large step-down class for one year suddenly became responsible for several accidents, he still has a chance to get a discount.

Example 1: A driver with a fifth lowering class (Departure break even for at least the past 15 years, receives the highest class of DSR – fifteenth. This driver gets $ 30 discount when renewing their driver's license (the cost of driver's license in Canada consist of two parts – $ 20 – for the very license and $ 45 – for mandatory liability insurance, driver's licence premium). In addition, a driver can get a 25% discount on your car insurance directly (by hull).

Example 2. The driver of the fifth class of step-down, the last 5 years causes of accidents, receives DSR tenth grade. Discount for "insurance license» (driver's licence premium) it will be $ 25, and on the hull – the same 25%.

Currently in Manitoba, there are four very disparate between a program of determining the amount of insurance premiums for different risks for different drivers for different circumstances. McLaren argues, correctly, that few of the inhabitants of the province freely in their targets. "It makes our insurance system ineffective," – he laments. – "Many people do not realize that breaking the rules, they lose a lot of money. DSR will bring together these four programs into one, which certainly would be easier to understand the policyholders. "