“RESO-Guarantia” and “Ingosstrakh” shall pay big fines for the refusal to draw OSAGO policies without additional agreements

Rostov OFAS fined “RESO-Guarantia” and “Ingosstrakh” Insurance PJSC over eight million RUB

Insurance companies refused to conclude OSAGO agreements with physical persons without drawing other voluntary insurance agreements.  FAS found that the companies violated Clause 1 Part 4 Article 11 the Federal Law “On Protection of Competition”.

The companies simultaneously and in a unified manner imposed additional voluntary insurance agreements upon physical persons when offering services to draw OSAGO policies in the Rostov region, upon arrangements between insurance companies, including “RESO-Guarantia” and “Ingosstrakh” Insurance PJSC. It is prohibited by Clause 1 Part 4 Article 11 the Federal Law “On Protection of Competition”.

If physical persons refused to enter into additional agreements, representatives of insurance companies had a tendency to experience some difficulties: there were no OSAGO policies, no Internet connection, failure of the Automated insurance system of the Russian Association of Motor Insurance, for which reason physical persons were refused to conclude OSAGO contracts.

At the same time, when a physical person agreed to enter into a voluntary insurance agreement, in addition to an OSAGO agreement, the staff of insurance companies immediately began to draw the documents.

“Ingosstrakh” Insurance PJSC appealed the decision of Rostov OFAS, particularly, to FAS Appeal Collegium, which dismissed the claim of the insurance company and fully recognized the legitimacy and reasonableness of the decision of Rostov OFAS and the injunctions issued on its basis.