The Central Bank of Russia announced that it will begin publishing quarterly data on the loss ratio in compulsory motor third-party liability insurance. It reported a 98% loss ratio for the first quarter of 2026 and said the metric is intended to show market participants and consumers whether CMTPLI business is profitable or loss-making. The regulator noted that when the ratio exceeds 100%, the business becomes inherently unprofitable for insurers. The ratio compares insurance premiums with insurance payments, including related expenses. Its calculation includes payouts already made, reserves set aside for future payments, and costs of handling loss compensation claims such as additional payments under letters before action, court awards, legal fees including those tied to fraudulent claims, and fees for vehicle inspections and independent expert examinations. The release also notes that insurers make other contributions, including to compensation funds used for victim payouts in certain cases, while commissions paid to intermediaries such as agents and car dealers are not included in the ratio calculation.
Central Bank of Russia2026-06-15
Central Bank of Russia to publish quarterly CMTPLI loss ratio data with first quarter 2026 ratio at 98%
The Central Bank of Russia will publish quarterly data on the loss ratio in compulsory motor third-party liability insurance and reported a 98% ratio for the first quarter of 2026. It said a ratio above 100% means the business is inherently unprofitable for insurers. The measure includes payouts, reserves and claims-handling costs, but excludes commissions paid to intermediaries.