Starting April 1st, 2023, we're introducing a groundbreaking pricing system in the CMTPL (APPA) network!

Our mission is to provide a unique and fair pricing policy. We use a modern model that takes into account all relevant data on the policyholder, vehicle, and contract within the CMTPL information system. This innovative method is inspired by the cutting-edge artificial intelligence and machine learning systems used in the USA.

With 132 factors taken into account, the main ones include:

• Vehicle-related factors such as brand, model, engine power, and safety ratings
• Policyholder-related factors like age and driving history
• Contract-related factors including duration and seasonality

The combination of these factors enables our system to deliver a precise, personalized risk assessment for each driver and their vehicle during the selected time period. Thanks to machine learning technology, the accuracy keeps improving over time.

As the calculations are based on advanced technologies, human error and inaccuracies are eliminated. As a result, each individual receives a customized, realistic estimate that's reflected in their final CMTPL policy price.