KBM OSAGO reset, if there was no insurance for a year, then the policy is lost. How to fix KBM Osago in the AIS RSA database and restore the discount Why did KBM become 1

If a car owner annually renews compulsory motor liability insurance with the same insurance company, then the KBM is recalculated by the insurer and stored both in its database and in the RSA database. When switching to another insurance company, data on KMB will be taken from the RSA database. To ensure their relevance, insurers must submit them to the RSA in a timely manner.

How to restore KBM after replacing rights

However, this does not guarantee that errors will occur for both subjective and technical reasons.

Reasons for resetting the discount

Contacting the Central Bank

Contact RSA

Procedure for filing an appeal

After replacing the driver's license, the car owner's KBM may be lost from the database of the Russian Union of Auto Insurers (RUA). This will lead to the fact that when renewing the MTPL policy, problems will arise with obtaining a discount if these changes were not taken into account in the information resource.

SAR database

The RSA database stores information on all issued MTPL policies, including information about the CBM of each car owner. It is this coefficient, depending on driving experience and number of accidents, the culprit of which was the policyholder, affects the cost of insurance.

The information contained in the RSA database has a direct impact on the final cost of the MTPL policy. You can get an approximate estimate of this cost on the official RSA website using an online calculator by entering information about the car owner and vehicle. If the discount amount is lower than expected or absent altogether, this means that the information in the RSA database may be out of date, including due to the replacement of a driver’s license.

Reasons for resetting the discount

There may be several reasons why when renewing compulsory motor third party liability insurance the discount is reset to zero:

operator error ( insurance agent), who issued the previous policy, when entering information into the RSA database (indicating incorrect information about the policyholder - full name, date of birth, driver’s license details);
indication of the driver in the MTPL policy issued for a new car by relatives (acquaintances) who suggested that he might someday get behind the wheel of their car. In this case, a BMR equal to 1 is automatically entered into the database, that is, there is no discount;
replacement of a driver's license due to loss or expiration. The details of the new document must be entered into the RSA database. If this is not done, then when entering the data of a new driver’s license during the renewal of the policy, it will turn out that there is no information on the client in the database, and he will be assigned a BMR equal to 1;
the reluctance of the insurance company to provide a discount for financial reasons, because compulsory motor liability insurance for insurers is unprofitable even at the base cost.

How to keep the KBM when replacing a driver's license

How to restore the MTPL discount after replacing your license

The application indicates the date of replacement, as well as the details (series and number) of the previous driver's license. Based on the results of the application, the insurer: 1) issues the client a compulsory motor liability insurance policy with the amendments made; 2) makes changes to the RSA database, ensuring the relevance of the KBM for a driver with a new license.

Where to go when canceling a discount

If, when renewing the MTPL policy, the car owner did not receive the expected discount, he must take action to restoration of KBM. But before we begin to solve this problem, it is necessary to establish what caused the discount to be reset.

To restore the vehicle's vehicle, the car owner can contact the insurance company that issued the MTPL policy, RSA, the Central Bank of the Russian Federation, private specialists and companies that provide services for the restoration of the vehicle.

Contacting an insurance company

In order to restore the KBM lost after replacing the driver’s license and, accordingly, the discount, the driver should first contact the insurance company with which he took out the MTPL policy the last time before replacing the license. It is the insurers who must make changes to the PCA database for each driver. This method will be optimal if the driver’s license was replaced while the policy was valid.

In response to the car owner’s request, the insurer enters new driver’s license details into the MTPL policy and database. Some insurance companies make it possible to submit an application for restoration of the CBM via the Internet. On the official website of the insurer, the appeal is generated by filling out a special form. In addition, the application to the insurer can be sent to e-mail addressed to the head of the company.

Contacting the Central Bank

If the problem with the restoration of the CBM through the insurance company could not be resolved within a month, then the car owner should contact the Central Bank of the Russian Federation (this body is authorized to supervise the activities of insurers). It should be borne in mind that the Bank of Russia does not consider complaints regarding policies that expired earlier than a year ago.

The Central Bank of the Russian Federation cannot itself make changes to the RSA database, but it has the ability to force the insurer to fulfill its obligations.

Contact RSA

Contacting the RSA becomes relevant if it was not possible to solve the problem through the insurance company and the Central Bank of the Russian Federation. Citizens' appeals are sent through the appropriate page of the official website of the RSA. There are also located standard forms requests.

Procedure for filing an appeal

To resolve the issue of restoring the CBM, the car owner must contact the insurance company (Central Bank of the Russian Federation, RSA) and:

register the application in the office (with the secretary);
submit an application for recalculation and return of the money overpaid for the MTPL policy (if this happened);
expect a response within thirty days;
upon receipt of a refusal to satisfy the request, contact the Central Bank of the Russian Federation, the RSA, and if a solution to the problem has not been found, then the court.

To restore the KBM, the following must be submitted:

MTPL policies (current and previous);
certificate confirming accident-free driving;
a copy of the new driver's license;
details of your previous driver's license.

SAR database

The RSA database stores information on all issued MTPL policies, including information about the CBM of each car owner. It is this coefficient, depending on the driving experience and the number of accidents for which the policyholder was at fault, that affects the cost of insurance.

To ensure their relevance, insurers must submit them to the RSA in a timely manner. However, this does not guarantee that errors will occur for both subjective and technical reasons.

How to save KBM when changing rights

You can get an approximate estimate of this cost on the official RSA website using an online calculator by entering information about the car owner and vehicle. If the discount amount is lower than expected or absent altogether, this means that the information in the RSA database may be out of date, including due to the replacement of a driver’s license.

Reasons for resetting the discount

There may be several reasons why when renewing compulsory motor third party liability insurance the discount is reset to zero:

error of the operator (insurance agent), who issued the previous policy, when entering information into the RSA database (indicating incorrect information about the policyholder - full name, date of birth, driver's license details);
indication of the driver in the MTPL policy issued for a new car by relatives (acquaintances) who suggested that he might someday get behind the wheel of their car. In this case, a BMR equal to 1 is automatically entered into the database, that is, there is no discount;
replacement of a driver's license due to loss or expiration. The details of the new document must be entered into the RSA database. If this is not done, then when entering the data of a new driver’s license during the renewal of the policy, it will turn out that there is no information on the client in the database, and he will be assigned a BMR equal to 1;
the reluctance of the insurance company to provide a discount for financial reasons, because compulsory motor liability insurance for insurers is unprofitable even at the base cost.

How to keep the KBM when replacing a driver's license

It is both possible and necessary to retain the previously assigned KBM when replacing a driver’s license. The car owner is obliged to take care of this himself by contacting the insurance company with an application to replace the document. The application indicates the date of replacement, as well as the details (series and number) of the previous driver's license. Based on the results of the application, the insurer: 1) issues the client a compulsory motor liability insurance policy with the amendments made; 2) makes changes to the RSA database, ensuring the relevance of the KBM for a driver with a new license.

Where to go when canceling a discount

If, when renewing the MTPL policy, the car owner did not receive the expected discount, he must take action to restore the CBM. But before we begin to solve this problem, it is necessary to establish what caused the discount to be reset.

Contacting an insurance company

Contacting the Central Bank

The Central Bank of the Russian Federation cannot itself make changes to the RSA database, but it has the ability to force the insurer to fulfill its obligations.

Contact RSA

Procedure for filing an appeal

To resolve the issue of restoring the CBM, the car owner must contact the insurance company (Central Bank of the Russian Federation, RSA) and:

register the application in the office (with the secretary);
submit an application for recalculation and return of the money overpaid for the MTPL policy (if this happened);
expect a response within thirty days;
upon receipt of a refusal to satisfy the request, contact the Central Bank of the Russian Federation, the RSA, and if a solution to the problem has not been found, then the court.

To restore the KBM, the following must be submitted:

MTPL policies (current and previous);
certificate confirming accident-free driving;
a copy of the new driver's license;
details of your previous driver's license.

Changing the KBM when changing a driver's license

SAR database

Reasons for resetting the discount

There may be several reasons why when renewing compulsory motor third party liability insurance the discount is reset to zero:

error of the operator (insurance agent), who issued the previous policy, when entering information into the RSA database (indicating incorrect information about the policyholder - full name, date of birth, driver's license details);
indication of the driver in the MTPL policy issued for a new car by relatives (acquaintances) who suggested that he might someday get behind the wheel of their car. In this case, a BMR equal to 1 is automatically entered into the database, that is, there is no discount;
replacement of a driver's license due to loss or expiration. The details of the new document must be entered into the RSA database. If this is not done, then when entering the data of a new driver’s license during the renewal of the policy, it will turn out that there is no information on the client in the database, and he will be assigned a BMR equal to 1;
the reluctance of the insurance company to provide a discount for financial reasons, because compulsory motor liability insurance for insurers is unprofitable even at the base cost.

How to keep the KBM when replacing a driver's license

Where to go when canceling a discount

Contacting an insurance company

It is the insurers who must make changes to the PCA database for each driver. This method will be optimal if the driver’s license was replaced while the policy was valid.

Contacting the Central Bank

The Central Bank of the Russian Federation cannot itself make changes to the RSA database, but it has the ability to force the insurer to fulfill its obligations.

Contact RSA

Procedure for filing an appeal

To resolve the issue of restoring the CBM, the car owner must contact the insurance company (Central Bank of the Russian Federation, RSA) and:

register the application in the office (with the secretary);
submit an application for recalculation and return of the money overpaid for the MTPL policy (if this happened);
expect a response within thirty days;
upon receipt of a refusal to satisfy the request, contact the Central Bank of the Russian Federation, the RSA, and if a solution to the problem has not been found, then the court.

To restore the KBM, the following must be submitted:

MTPL policies (current and previous);
certificate confirming accident-free driving;
a copy of the new driver's license;
details of your previous driver's license.

KBM directly affects the cost of the MTPL policy, however, very often, due to errors by RSA or the agents who issue the policy, the KBM is “lost” and because of this the discount disappears. Also, the discount disappears at those moments when drivers receive a new license; in this case, you need to transfer the old license to the new one. You can restore your discount or improve your rights and get your well-deserved KBM using the OSAGO-TO platform. Next I will give step by step instructions, how to lower the BMR.

Step 1

The first thing you need to do is go to the platform’s start page and log in or register if you don’t already have an account (by clicking the register button). I will provide instructions for a new user. So, go to the registration tab, as in the screenshot below. Fill in the required information and confirm your email.

Step 2

After confirming your email, we go through authorization. In the left menu, click KBM, and then application to reduce the KBM. Here we get a message about insufficient funds in the account. Follow the link and top up your balance. Let me note that if the BMR does not decrease, the funds will be returned to your account, then you will be able to withdraw funds from the account, you don’t have to worry about this.

Step 3

After the account has been replenished, go to the left menu at KBM-> Application for reduction of KBM. Fill in your driver's license information and click submit application. After this, the application will appear in my applications. The decrease in BMR will occur within 1-3 days. You can click update application status. My cost of reduction was 300 rubles, while the cost of insurance decreased by 2500 rubles.

1. Reasons for high BMR

Any novice driver, after receiving a driver's license, is considered a potentially dangerous driver, since he has no driving experience, and if his age is under 23 years old, then doubly so. Therefore, when calculating the cost of an MTPL policy with such a driver, it will be approximately 2 times more expensive than with a driver whose experience is more than 3 years and age is more than 23 years. Let's figure out what KBM is after all? KBM - bonus-malus coefficient - a coefficient that increases or decreases the cost of a compulsory motor insurance policy, that is, it determines a discount. Many drivers do not even know that they are entitled to a discount for accident-free driving and driving experience. Standard KBM 1 - many agents and insurance companies calculate based on this coefficient. According to the law, if a driver has driven for a year without an accident, then Insurance Company, where this person was insured, must submit data about him to the Russian Union of Auto Insurers (RUA), and when concluding the next OSAGO policy, his BMI should be lower by 5% of the cost. And so every year. The maximum discount is 50%. That is, you need to travel for 10 years without an accident. And most importantly, make sure that the insurance company submits data to the RSA about your accident-free record. The main reasons why KBM is not accrued:

The first reason is changing your driver's license. It should be understood that the insurance company transfers data on all drivers and insurers to the Russian Union of Auto Insurers (RUA). And if, for example, there was a replacement of the license due to a change of surname for girls, loss, expiration, then the data from the RSA for one reason or another may not be loaded, so you can honestly drive for 10 years without an accident and then change the license, and discover that after replacing your rights you lost a 50% discount and your BMR became equal to 1.

The second reason may be errors that insurance companies can make when applying for a policy, then it turns out that you lose the insurance year, so all your discounts are destroyed, since one of the conditions for providing a discount is continuous insurance, and now you have lost the discount again.

The third reason, and this is the main reason for high BMI, is accidents. If you get into an accident, the MMR increases; these are like sanctions that insurance companies apply for accidents that occurred through your fault. It is worth noting here that accidents in which you are not the culprit do not affect your KBM in any way, and at the end of the insurance period you will receive a discount as if the accident had not happened.

It is worth noting that depending on the value of the KBM, the driver is assigned a certain class. That is, if you are insured for the first year, then your class is 3, and then, depending on whether you have accidents or not, your class increases or decreases accordingly.

2. How to lower the BMR

Application for reduction of BMC

Before sending, please check that your contact information is filled out correctly.

Is it profitable to lower the BMR?

To evaluate how profitable it is to lower the BMR, let's look at an example. Let's say you have the 2nd class of KBM, that is, the coefficient itself is 1.4 (for example, you had an accident and your coefficient was increased) and your cost of compulsory motor liability insurance was 15,000 rubles. Next, you contacted our company, and our employees lowered your BMI by only 1 class and now the coefficient value is 1, then the new cost of insurance will be 10,715 rubles! That is, you saved 4285 rubles, you will agree that this is not small money. Moreover, this value of the BMI is retained by you, that is, next year the cost of insurance, subject to accident-free driving, will be the same or less!

I think you are convinced that lowering the BMR is beneficial.

Result guarantee

How can we check our work? – very simply, there are a lot of services for checking KBM in the RSA database. After completing the KBM downgrade procedure, which takes 1 to 3 business days, you will check your KBM in the database and see that it has indeed been lowered! We are always for the client and value our reputation!

3. What does a low BMR give?

Low KBM gives a discount on the cost of compulsory motor liability insurance in any region of Russia and any insurance company. Therefore, it is necessary to ensure that insurers always take into account your BMR and your discount. You can view the values of the KBM and the classes corresponding to them in the table below. You can also use the table to calculate the number of years you will need to receive this or that discount. But why wait? When can you lower your BMR in our company?

Class to the beginning annual period insurance	Coefficient	0 Insurance payments	1 Insurance payment	2 Insurance payments	3 Insurance payments	4 or more Insurance payments
Class to the beginning annual period insurance	Coefficient	Class at the end of the annual insurance period, taking into account the presence of insured events that occurred during the validity period of the previous MTPL contract.
M	2.45	0	M	M	M	M
0	2.3	1	M	M	M	M
1	1.55	2	M	M	M	M
2	1.4	3	1	M	M	M
3	1	4	1	M	M	M
4	0.95	5	2	1	M	M
5	0.9	6	3	1	M	M
6	0.85	7	4	2	M	M
7	0.8	8	4	2	M	M
8	0.75	9	5	2	M	M
9	0.7	10	5	2	1	M
10	0.65	11	6	3	1	M
11	0.6	12	6	3	1	M
12	0.55	13	6	3	1	M
13	0.5	13	7	3	1	M

4. Lowering the BMI after an accident

There is a high probability that while driving a car, you will sooner or later get into an accident in which you will be the culprit. This is quite normal, and I think many of us have gone through this. If you have already experienced this unpleasant moment, then you know that after an accident, insurance companies impose sanctions and the cost of insurance increases the next time. insurance period. This occurs as a result of an increase in BMF. However, few people know that the cost of insurance can be reduced even in this case. We lower the BMR coefficient even after an accident. You can check this by filling out the application above.

5. Prices for reducing BMR

The cost of lowering the KBM in our company depends on how many classes you need to lower the KBM. Below is a table that will help you estimate the approximate cost of the service. In cases where it is necessary to reduce the vehicle's vehicle rating after an accident, the calculation is carried out individually.

MOSCOW, October 13 - RIA Novosti/Prime. The Russian Union of Auto Insurers (RUA) announced that the MTPL reform, which began in 2014, has taken place, although problems with calculating the accident-free rate (FMR) and the appearance on the market of a large number of counterfeit auto insurance policies have not yet been resolved.

On October 1, 2014, amendments to the law on compulsory motor liability insurance came into force regarding the limits of payment to victims of road accidents (for property they increased from 120 thousand rubles to 400 thousand rubles, for life and health - from 160 thousand rubles to 500 thousand rubles). Tariffs for compulsory motor liability insurance were increased twice (in October 2014 and April 2015), and from July 1, 2015, it became possible to issue a motor vehicle license electronically.

“I think that the MTPL reform has taken place. ... However, a problem remains - this is the bonus-malus coefficient (BMR), and we are working on it now. ... In addition, a trend that has emerged during the current crisis is the emergence of a large number of fake policies," - reported Executive Director RSA Evgeny Ufimtsev on Tuesday as part of an online conference.

However, Ufimtsev noted that if a year ago it was a large number of complaints about the availability of services, inadequacy of payments, imposition additional services and other things, now it has practically disappeared. "In any case, according to the same Central Bank, FAS, and we have the same statistics, now the situation has improved significantly. The quality of the service itself has become higher,” he emphasized.

THE AUTHENTICITY OF OSAGO WILL BE CONTROLLED MORE STRONGLY

According to RSA, now in Russia there are about 2–2.5% of fake MTPL policies (about one million policies).

“We are a little scared and upset that a person knows that the policy is fake and deliberately buys it,” Ufimtsev commented, recalling that purchasing fake policies threatens car owners with unnecessary expenses in the form of a traffic police fine (800 rubles) and paying out of pocket for car repairs the injured party.

In addition, the insurance history and the bonus-malus coefficient (BMR) are lost. “This is a very important thing: a person, missing a year of driving, resets his insurance history, which he has been earning for many years. And this could be the loss of a discount of 30–40% or even 50%,” he clarified.

RSA is currently developing proposals to amend the Code of administrative offenses(Administrative Code) in order to hold accountable owners of vehicles who knowingly purchase fake policy OSAGO.

“The car owner bears administrative responsibility. However, it can be difficult to prove that he knowingly bought a fake policy. Because an appropriate evidence base is needed, and there are few cases brought to court. But changes to the law are now being prepared to bring such violators to justice more effectively ", explained Ufimtsev.

According to him, the changes must be well thought out, since no one is immune from purchasing a fake policy, and the sanctions must be clearly stated. “Now all this is at the discussion stage,” the expert concluded.

During the online conference, Ufimtsev also said that the availability of the MTPL policy will be checked by video cameras, which are now recording violations of the rules traffic(traffic rules). The pilot project, he said, will be launched in one of the regions (either Moscow or Kazan) before the end of this year.

Ufimtsev explained that the absence of a policy is the same violation of traffic rules, so these cameras can turn to information system RSA and receive data whether the vehicle passing has a compulsory motor liability insurance policy or not.

“In case you just bought insurance and have not yet managed to enter the policy into the system, there will be a special short transition period for issuing a fine, for example, seven or fourteen days, so that the insurance company has the opportunity to enter the policy into the system,” added the executive director RSA.

CALCULATION OF KBM SHOULD BE BETTER QUALITY

As Evgeny Ufimtsev reported, following the results of the MTPL reform, the only difficult problem remains - the bonus-malus coefficient, which affects the cost of the MTPL policy (increasing or decreasing depending on the accident rate in previous periods).

Previously, RSA and the Bank of Russia have already announced a significant increase in requests from car owners regarding incorrect calculation of KBM.

"A catastrophic increase in requests for the calculation of KBM! Last year, 15 thousand applied for the entire year. For last year requests increased monthly. ... In 2015, there were 6.5 thousand requests in July alone,” Lyudmila Senkina, director of analytical work at RSA, cited the data.

According to her, in order to get out of this situation, RSA is trying to build work with insurance companies: regional meetings are held repeatedly, relationships are built with large insurers, which provide the bulk of the volume of contracts and the number of citizens who apply.

The Bank of Russia is also involved in solving this problem and regularly holds meetings with both insurance companies and the management of the RSA in order to understand what the main problems are in the quality calculation of the CBM, what needs to be done to ensure that these problems are solved and in what are the deadlines?

According to the deputy chairman of the Central Bank, Vladimir Chistyukhin, insurers will be fined for poor-quality data entry into the database of the automated information system of the Russian Union of Auto Insurers (AIS RSA). “Currently, the RSA has already made a decision regarding the introduction of certain types of fines for failure to post information, for failure to post on time, for failure to correct information, and so on,” he said.

This should have a serious impact on insurance companies, which will be concerned about better data placement in this database, Chistyukhin believes. If necessary, fines may be increased.

“A qualitative leap in the calculation of the bonus-malus coefficient can be expected by December of this year,” says the deputy chairman of the Central Bank.

E-POLICY OSAGO: POPULARITY IS GROWING

As for the MTPL e-policy project, according to RSA, the start of the second stage of the sale of electronic auto insurance policies from October 1, 2015 gave impetus to the growth in popularity of the service.

From October 1, Russian motorists can enter into a new MTPL agreement via the Internet by issuing an electronic policy (e-policy). Previously, from July 1, 2015, this was only possible with an extension already current agreement compulsory car insurance. Is it true, legal entities will be able to purchase e-policies only from July 1, 2016.

According to RSA data, since the start of the project, more than 10.8 thousand MTPL e-policies have been sold. Since October 1, about 2.5 thousand e-policies have been in force, of which 1.5 are new policies. “Thus, we can state: if before October 1, an average of about 100 policies were sold per day, now this figure exceeds the mark of 300 policies and there is an upward trend from day to day,” comments the president of the All-Russian Union of Insurers (VSU) and RSA Igor Yurgens.

According to him, the issue of accessibility of the service has been resolved and consumers now have the opportunity to receive it anywhere in the country, and the decision to use this opportunity or not is theirs. The e-policy is most popular in regions such as the Krasnodar Territory, Rostov, Voronezh, Volgograd and Nizhny Novgorod regions.

To the sales system electronic MTPL About 30 companies have already joined. At present electronic policies sell, in particular: "AlfaStrakhovanie", VSK, "Zetta Insurance", "Intach Insurance", MAX, "Renaissance Insurance", "RESO-Garantiya", "Rosgosstrakh", " Tinkoff Insurance", "Uralsib".

When reprinting and quoting (full or partial), a link to RIA Novosti is required. When quoting on the Internet, a hyperlink to the site http://ria.ru is required.

As we have already noted, the insurance company transmits data about drivers from its database, and people (policy entry operators) enter this information into the database. There may be a human factor here - when entering the driver’s last name, first name, patronymic or date of birth, the operator could have made a typo. If at least 1 letter or number in the database does not match the information that you enter when accessing the AIS RSA, the system will return an error and your discount will be lost.

Multi-vehicle management

The driver could be listed as a person allowed to drive in several insurance policies. Moreover, the value of Kbm could be different in each of these policies, since until 01/01/2013 the agent did not turn to a single database to determine Kbm, but gave a discount based on the previous policy. For example: Ivanov I.I. has his own car, and is also allowed to drive the car of his wife, who has 2 years of driving experience. In his policy he has Kbm 0.5, in his wife’s policy - 0.9 (since the wife’s insurance history is only 2 years, according to the number of years of experience). If the insurance company transmitted data on both policies, the value of Kbm for Ivanov I.I. will be the maximum of the two, that is, 0.9.

Insurance company bankruptcy

The insurance company went bankrupt and did not transfer data to the AIS RSA system. In this case, there is simply no information about the driver’s insurance history in the unified database.

Unscrupulous agent or employee of an insurance company

By law, before issuing a policy, an agent must mandatory check your discount in the RSA database. However, often the agent does not do this, taking advantage of the client’s illiteracy. By inflating the CBM, the agent increases the cost of the policy and thereby earns more. In this case, kbm = 1 is transferred to the RSA database, that is, the same as if the policyholder was taking out a policy for the first time.

What should you do to avoid losing the accumulated discount for break-even insurance and restore lost CBM?

Until July 1, 2014, insurers could use a “break-even certificate” to determine the value of KBM. P 35 of the OSAGO rules states: “In case of early termination or upon expiration of the contract compulsory insurance the insurer provides the policyholder with information about insurance in the form established in accordance with the law Russian Federation. Insurance information is provided by the insurer free of charge. writing within 5 days from the date of the corresponding request from the policyholder and are entered into automated system insurance." Thus, it was enough to contact the insurance company where the last MTPL policy was issued, obtain a certificate in form No. 4 and, on its basis, issue next policy OSAGO. At next program data on the value of Kbm in the AIS RSA Kbm system was updated.

On July 1, 2014, amendments to the legislation came into force that do not allow the use of CBM on the basis of a break-even certificate, namely:

Subparagraph "h" of paragraph 3 of Article 29 Federal Law dated July 1, 2011 N 170-FZ "On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation" (with amendments and additions) amends the Federal Law "On compulsory insurance of civil liability of vehicle owners"

h) add clause 10.1 with the following content:

"10.1. Concluding a compulsory insurance contract without entering information about insurance into the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law, and checking the compliance of the information provided by the insured with the information contained in the automated compulsory insurance information system and in the unified automated technical inspection information system information is not allowed.";

Thus, when applying for a compulsory motor liability insurance policy, the Insurer must check your car insurance against the AIS RSA database, as well as check the presence of a valid inspection coupon in the unified information system EAISTO. Without this, issuing an MTPL policy is not allowed.

How to restore KBM? You can go 2 ways:

Option 1.

Determine at what point in time your KBM disappeared. To do this, you need to check KBM for different dates and find which insurance company issued your policy with the wrong discount.
Find and scan copies of policies with the correct KBM value
Write complaints to the Central Bank, RSA, the insurance company with which you are currently insured. Please attach scans of the policies on the basis of which you are requesting a recalculation of the discount to your complaint.
Within a month, your complaint must be considered and, depending on the set of documents that you send along with the complaint, a decision is made to reinstate KBM.

Option 2

Check out KBM. In the results of the check you will see a button “Not satisfied with KBM? We will restore it.” Our specialists will do all the work for you, and within 1-5 days your insurance premium will be restored and you will be able to issue an MTPL policy with the required discount or request a refund of the overpaid insurance premium from your insurance company.

At the same time, understanding such issues is not only useful, but also profitable. Let’s look at the question from the very beginning, that is, for a car owner who doesn’t even know how KBM stands for, and let’s look at some of the subtleties of its application.

Compulsory insurance

Each car owner, along with other documents, must have MTPL with them. Thanks to the policies, all drivers are thus provided with protection. If a traffic accident occurs, the insurance of the at-fault party in the accident will pay the injured party to restore the vehicle. And if harm was caused to health, then for recovery.

This type of insurance has a system designed to encourage drivers to drive without accidents. Moreover, the measure applies specifically to those responsible for road accidents. It is implemented through KBM classes. Let's study what they mean and how they work.

KBM classes

KBM stands for the coefficient received by the driver who does not get into accidents for which he himself becomes the culprit, and the malus, that is, a reduction in the coefficient, accordingly, is received by the one who initiates the accident.

Trouble-free driving can last for many years. But insurers, naturally, are not interested in reducing the cost of the policy to zero. Therefore, they provided a threshold after which the cost of insurance no longer decreases. This is 50%.

There are drivers who drive according to all traffic rules for many years and do not break them. It would be unfair if they had to pay the same as those motorists who hardly respect the rules on the road.

So, the maximum coefficient is 0.50. To achieve this result, you need to avoid getting into an accident for 10 years.

Downgrade or loss of discounts

Even if you receive the maximum discount, you should not think that it is given forever without any conditions. If the driver gets into an accident and becomes the culprit, the discount decreases and reaches one, after which it will take a long time to move again to the coveted 50%. But if the driver got behind the wheel quite recently and his discount is small, then as a result of an accident it will not only be reset to zero, but the cost of insurance will even increase.

From the point of view of conscientious drivers, this is a more than reasonable measure: if you drive in such a way that you pose a danger to others, pay more for your policy!

A lot of accidents happen precisely because of the incompetence or dishonesty of drivers. Only such people will pay more only in cases where they get into an accident due to their fault. Therefore, in the event of minor incidents, it would be much better for them to come to an agreement with the injured party and resolve the issue without calling the traffic police. Then both some will be satisfied (since there will be no need to waste time and nerves interacting with the insurance company), and others (since the discount on the policy will remain the same).

By the way, you need to know that KBM classes under MTPL do not apply to trailers. Also, it will not be taken into account if the policy is issued to a citizen foreign country or vehicle for transit.

KBM class according to OSAGO: table

So, based on the table below, you can calculate your KBM. The horizontal line indicates the driver's class at the beginning of the insurance policy period. Depending on the driving experience during the year (accident-free or with an accident, with subsequent insurance payments), one or another class of KBM according to MTPL is assigned for the next year. The table consists of fifteen classes, where "M", meaning "maximum", is assigned to the penalty box.

What class does a driver receive when driving for the first time?

In the first insurance year, the driver is assigned class 3. Let's use this example to learn how to understand KBM classes. The table, if you look at the first vertical row, contains a class, and if you look at the second - 1. This is its coefficient. It turns out, KBM 1, class 3. What does this mean?

If during this year of driving the driver does not get into traffic accidents (look at the third column), then in the next insurance period he will have a BMR of 0.95, class 4, respectively. Then the discount will be equal to five percent. However, if an accident occurs during this period, then it will be assigned class 2, where the BMC is 1.4. Then you will have to pay 40% more for insurance.

Beginners behind the wheel should be very careful, since in case of two or more accidents, the BMR will reach the maximum and be equal to 2.45. But after the next year of accident-free driving, the third class will return to the driver, and he will again not have to overpay for the insurance policy.

A BMR of 0.5 means a maximum fifty percent discount. But if such a driver gets into an accident, then he is assigned class 7, which corresponds to a coefficient of 0.8.

Several drivers are registered in OSAGO

If it is issued to several drivers, the KBM is considered special. The largest coefficient is taken as the basis. For example, if four drivers are included in the insurance, three of whom have a rating of 0.7 or lower, but only one has a rating of 0.9, the insurance will be calculated based on the latest KBM, that is, taking into account a ten percent discount.

KBM with unlimited insurance

If you plan to buy a compulsory insurance policy that can be used by an unlimited number of people, KBM is considered differently. The data of the car owner is taken as a basis.

It is important to keep in mind that if a policy was previously purchased for a limited number of persons, and then it was decided to reissue it to an unlimited number of persons, then those persons who were included in the policy with a limited number of persons should be included separately in it. Otherwise, the KBM classes of the latter will be lost.

How to check the bonus-malus ratio?

Please note that KBM is not included in single base data It only contains information about previous car insurances. But the coefficient is calculated and checked directly by the insurance company when the driver purchases a policy. Insurance companies are required to apply CBM classes according to compulsory motor liability insurance, and also enter into the database information about accidents in which the driver was a participant in his car.

Therefore, it is the insurance companies that can check your KBM and provide the relevant information.

However, you can find out about this in other ways. For example, by going to the RSA website and accessing the KBM database there. To do this, you will need to write down your VIN code or state number of the car and information about the owner.

Rarely (since this is not an obligation) insurance companies indicate the BMR in insurance policy. Therefore, sometimes it is enough to carefully study the document. The number can be indicated opposite the last name of each driver or in special marks.

Many sites today also have online calculators with which you can easily calculate your KBM. Thus, you can find out it yourself.

KBM database

So, the insurance company takes the data to calculate the coefficient from the database. They are entered directly by the insurance companies that insured the drivers. This feature should be remembered especially by those who decide to change their insurance card to another. It is best for them to take a certificate from the previous insurance company, where the KBM will be indicated. The fact is that some of them may enter information at the wrong time or forget about it, there may also be problems with loading the system, and so on. Therefore, it is better to play it safe and personally bring a document proving that you have a certain coefficient, so that it is not “accidentally” reset to zero.

Features of discounts

The following information should be considered in this matter.

Until recently, a discount for accident-free driving was assigned to a specific car. When selling it and buying a new one, the driver had to start his insurance history again. When the shortcomings of this system were identified, it was decided to abandon it. Now the entire number of how many classes of KBM exist relates directly to the driver. Therefore, it no longer matters what kind of car he drives and from which insurance company he purchased the MTPL policy. The main thing is accident-free driving.

Selected questions that drivers often ask

Let's look at a few individual situations.

What should one of the drivers, for example, who is registered with OSAGO and has changed his driver's license? In the case of a valid contract, you should immediately contact the insurance company. The policyholder notifies the insurer about this in writing so that the latter makes adjustments to the information base Russian Union of Insurers.

Another question of interest to motorists is how the BMR is determined if the insurance contract is not limited to the number of drivers, whereas in the past the contract provided for restrictions on their number. In this case, the CS assigns the class that is specified in insurance contract. How does the insurance company operate if the situation is the opposite, that is, the previous insurance contract had no restrictions on the number of persons, and the new one was concluded on conditions with restrictions? In this case, the insurance company is obliged to reduce the BMR.

Class 3 - what does this mean for the driver? In addition to the fact that this class is assigned to the one who got behind the wheel for the first time, if the driver has not entered into an MTPL agreement for more than a year, whatever discount he had previously was valid, it expires, and he again receives the class as if he got behind the wheel for the first time. That is, KBM 1, class 3.

What does this mean for the driver if he does not provide full information about an accident when concluding a contract? An incorrect calculation will be detected by the system immediately. Therefore, the insurance company in this case imposes penalties on the driver. They are expressed in 1.5 KBM. That is, next year the payment will increase by 1.5 factors.

Conclusion

We have looked at what CBM classes mean, how they are calculated, applied and tested. Drivers need to remember that it is important not only to be able to drive a car and follow all existing traffic rules. It would also be useful to understand some related issues, such as, for example, insurance and its subtleties, that is, our topic today. Then he will feel confident behind the wheel, while at the same time saving his money.