Restore cbm with feedback. How to restore a CTP discount: step by step instructions

When registering a policy compulsory insurance MTPL all insurance companies assign a special bonus-malus coefficient (BMC) to drivers, vehicle owners. It must be taken into account when calculating the price of the policy. The MSC value is variable, it depends on the driver's insurance record of accident-free driving. The less often the policyholder gets into accidents, the cheaper his policy will be if next design... If any Insurance Company does not use this coefficient, you need to complain about it, that is, file a complaint on MTPL against MSC.

Submit a complaint against MSC for OSAGO

KBM has been installed and used since 2003. The mechanism for its use is spelled out in the law on OSAGO. To calculate the size of the MSC for a certain driver, you need to use the database maintained by the Russian Union of Auto Insurers - RSA. All information on this indicator goes into the database automatically.

When calculating the cost of an OSAGO insurance policy, KBM is not applied if:

• the policyholder takes out transit insurance;
• the car is registered in another country;
• a newcomer without driving experience draws up a policy (to a coefficient of 1).

Reasons for writing a claim

You can complain about the insurance company in the following cases:

1. If the insurer does not use MSC when calculating insurance.
2. In case of incorrect calculation of the MSC.

Using a special table with MSC values, each driver can pre-calculate his class and reduction factor. You need to justifiably protect your rights and correctly calculate the amount of the discount for the policy. If the calculation is made incorrectly, it is imperative to contact the insurance company with a statement on the use of the correct MSC.

How to write

A complaint about compulsory motor third party liability insurance can be written by hand or typed on a computer. It must contain information about the applicant, his place of residence, his address, telephone number.

You also need to specify the data driving license and passport data. Directly in the complaint, you must indicate the essence of the claim, as well as the number of the policy and insurance case in the insurance company, the conflict with which caused such an application.

Where to write

In accordance with the law, complaints filed against the UK are processed by three organizations:

• Rospotrebnadzor;
• TSB RF.

Since 2015, it has become much easier to file a complaint. To do this, you can use the site rgs.ru to send a complaint by e-mail. This document will be sent to the addressee almost instantly, and will allow it to be processed in prescribed by law okay. If the complaint is sent by email, scanned or photographed documents must be attached to it.

The main body of claims on KBM is considered by the PCA. If there is no reaction to the appeal, the exact same complaint should be sent by mail to Rospotrebnadzor or the Central Bank.

If in this case there is no reaction, or the decision is negative, if he is confident that he is right, the driver has the right to file an application with the court. This is an extreme measure, very rarely comes to it. But you need to know what to do if the issue in the above instances has not been resolved in order to defend your legal rights.

Typically, at the PCA level, such complaints are resolved quickly, with insurance companies having to recalculate the price of policies, while applying the legal parameters of the MSC.

How to write a complaint to the insurance company

For the preparation of such a complaint, a standard form has been developed. This one is on the official website of the RSA, the Central Bank of the Russian Federation. You need to fill in all the fields that are provided by this form.

The complaint must contain the requisites of the applicant, the date it was filled out, the essence of the claim, the applicant's signature with a transcript.

During the presentation of the essence of the issue, it is necessary not only to state the essence of the claim, but also it is advisable to refer to the norms of the law, which serve as confirmation of the correctness of the driver, the owner of the vehicle who filed this complaint.

If the applicant has on hand factual confirmation of violations by the IC on the MSC, ( settlement certificate, a record with the insurer, etc.), you must also attach these certificates to the complaint.

How to file a complaint with PCA

You can send a claim to the PCA by registered mail, or send it to in electronic format... There is a possibility of filing such complaints both with a valid OSAGO policy and with an expired one, if the applicant found out later that his rights to use MSC were violated when calculating the payment for the insurance policy.

The insurance company will be forced to return the money paid by the insured or renew the OSAGO agreement, taking into account the amount that was calculated by the company with violations.

If the contract price turned out to be overpriced, the IC must show correctly compiled calculations.

Drawing up a complaint to the Central Bank of the Russian Federation

When writing a complaint to the Central Bank on KBM, you must follow the basic rules:

• use the correct structure of the appeal, setting out consistently existing claims to the insurance company.
• the situation should be described clearly, with the applicant's explanations why he believes that the UK has violated his rights;
• provide evidence (correspondence with the IC, video evidence of communication with a company representative, MSC calculations for OSAGO, etc.)

The complaint has a form similar to that submitted to the PCA. It is necessary to make several copies of this document (for the Central Bank, to the insurance company, to the applicant).

What documents will be needed

The complaint must be accompanied by certified copies:

• applicant's identity card;
• driver's license;
• OSAGO agreement (expired or valid);
• documents confirming the correctness of the applicant.

Example of a complaint against KBM

A complaint against MSC if it is incorrectly calculated by the insurance company when issuing an OSAGO policy is filed on a unified form. Before filling it out, you need to familiarize yourself with all of its points. An example of filling can be found on the website of the Russian Union of Insurers.

You can fill it in with a regular ballpoint pen on a printed form or in electronic form, and then print it. It is imperative to indicate at the end of the complaint where to send a response to it, usually at the place of registration of the applicant.

Currently, a huge number of accidents involving vehicles are taking place on the roads of our country. In order to somehow protect himself in the event of an accident, the driver needs to issue an insurance policy.

Every year more and more motorists are wondering how to restore the CMTPL discount. This is due to the fact that when renewing a car insurance policy, the cost of the policy is calculated without taking into account the discount. This is a rather unpleasant situation, especially if the driver has a long uninterrupted accident-free experience and the discount reaches 50 percent.

Burning up the accumulated bonuses may seem like a hopeless situation, however, there are several ways by which you can restore KBM ( bonus-malus coefficient)... This article will tell you about this and much more.

Why MSC can be calculated incorrectly?

Before talking about how to restore the CMTPL discount (Rosgosstrakh offers it to its customers), you first need to understand the main reasons for which it can be calculated incorrectly. This will greatly simplify the process of restoring the discount and will save you a lot of time.

All information about insurance experience and previous policies are stored in a single electronic database AIS, which is under the jurisdiction of the PCA. When making changes to the database and updating the data about a specific driver, various mistakes can be made that will cause an incorrectly calculated car insurance discount.

In addition, there are a number of other reasons for the decrease in BMF, among which the most common are:

1. or data about an individual.
2. The insurer did not pass driver information to the PCA.
3. Errors made by the insurance agent when filling out the policy.
4. Change of the insurance program.
5. Interruption of trouble-free experience.
6. Permission to drive a car for several drivers.

Regardless of the reason for the burnout of insurance points, each driver can return the overpayment for OSAGO and restore the discount in one of several ways, which will be discussed a little later, but for now, each reason should be considered in more detail.

Replacement of driver's license or personal data

One of the frequently asked questions of many drivers is: "How to restore the discount on OSAGO after changing the rights?" And this is not surprising, because every motorist has changed his driver's license at least once in his life. Each document is assigned an individual number, which must be entered into a single electronic database. If this is not done, then the insurance history will be reset to zero, and you will not receive any discounts when applying for a policy. The same applies to changing the surname.

The insurer did not provide the required information about the client to the PCA

Employees are the same people as you and me, therefore, due to their negligence, carelessness or other human factors, they may not transfer data to the AIS about the insured. A similar situation may arise during the liquidation of an insurance company. How to restore the discount on OSAGO (Rosgosstrakh offers its customers such an opportunity) will be discussed a little later.

Incorrectly completed insurance policy

Even the slightest mistake made when filling out insurance contract, can lead to the return of the KBM to the base value. This is due to the fact that if incorrect data is entered into the policy, then they will get into the AIS, as a result of which the driver will be perceived as a completely different person.

Several persons allowed to drive

This situation applies mainly to corporate transport, which is used by several employees of the company. In this case, when issuing an OSAGO policy, the smallest size of the MTPL will be taken into account.

Change of insurance program or interruption of accident-free experience

If the driver has not been involved in a traffic accident for one full year, then he will be credited with insurance points that provide a discount when the policy is renewed. If the insurance program was changed or the driver did not drive a car for more than one year, then all accumulated points burn out and the MSC is reset to zero. How to restore discounts in this case? Unfortunately, no way.

Is it worth restoring insurance points?

The amount of the discount depends on many factors, among which the main ones are the accident-free driving period and the number of accidents involving the driver. If the owner of the car regularly gets into an accident, then when the insurance policy is issued, he is charged a coefficient of 2.45. From this it follows that he will have to pay for the insurance of his vehicle almost 2.5 times more than the average driver.

If a motorist observes the speed limit and traffic rules, and also does not get into an accident, then over time he can accumulate insurance points, which will allow him to receive almost a 50 percent discount on insurance services.

Thus, the question of how to restore the discount on compulsory motor third party liability insurance in Rosgosstrakh is very relevant today, since KBM allows you to significantly save on car insurance. In addition, if the insurer incorrectly calculated the coefficient for previous policies, then when the points are restored, the driver will receive compensation.

Basic methods of MBM restoration

So, you turned to the insurance company to renew the policy and found that it went up in price. What to do in this case, and how to restore the CMTPL discount? VSK offers assistance to its clients, and other insurance companies do the same. The first step is to calm down, because there is nothing wrong with that.

You can return the previous discount by:

• submitting an application to the UK;
• appeals to the Central Bank of the Russian Federation;
• drawing up

Each of the methods has certain nuances, so it is necessary to dwell on each of them in more detail.

through the insurer

Many drivers are interested in the question: "How to restore the discount on OSAGO after changing the rights?" The most simple and fast way will be an appeal to your insurer. The current legislation obliges insurance companies to consider all complaints and appeals from customers related to OSAGO.

In this regard, the websites of most ICs even have a special section where you can file a complaint online. You will need to attach to the form scanned copies of the previous policy or a certificate confirming the absence of insurance claims from the client, issued by the insurer. If there is no Internet access, then you can write a statement to writing and send it by registered mail to the physical address of the company. The application must be submitted in duplicate, and also photocopies of the above documents are attached to it.

The secretary will have to register the appeal in a special journal, and put a registration number and seal on one of the applications, and then send it by mail to the client. According to the legislation of the Russian Federation, the insurance company has 10 days, during which it must establish the problem of MSC combustion and solve this problem. And how to restore the discount on OSAGO, if a year has passed, you ask? Unfortunately, this case does not provide for the possibility of restoring the KBM.

What if the insurance company was liquidated?

If the insurer with whom you issued an insurance policy no longer operates, then you can restore the KBM through the Central Bank of the Russian Federation or the RSA. You will learn more about the procedure for applying and submitting documents to these authorities later.

Submitting an application to the Central Bank

How to restore a discount on OSAGO through central bank RF? It is very simple, but at the same time it is necessary to take into account the fact that this instance considers only those appeals of citizens that are filed under OSAGO, which expired no more than one year ago.

To restore the KBM, you need to go to the Internet-reception of the Central Bank and fill out the online form, having entered all the necessary information and indicating as the reason "Incorrect calculation of the KBM." It will also be necessary to attach a scanned copy of the previous policy or a certificate confirming the absence of insurance payments to the form. This method is very convenient, since the driver will receive notifications about the status of his application by e-mail. The time for the Central Bank to make a decision can take up to 30 days, during which the representatives of the instance will check the relevance of the information provided by the driver, establish the cause of the problem and make a final decision.

Now you know how to restore the CMTPL discount. Alpha insurance and the Central Bank of the Russian Federation help to solve this problem according to the same principle. If suddenly, for some reason, contacting these authorities does not bring any results, then you should file a complaint with PCA, which is the most powerful tool in solving this problem.

Contacting PCA

PCA is one of the most influential car insurance organizations in the world. It can not only exert significant pressure on the insurance company, but also deprive them of their license, which every insurer is afraid of. Therefore, at the mention of only the name of this instance, any insurer will strive to solve the client's problem by all means. It should be noted that PCA does not have the right to make any changes to the unified electronic database, since this is the responsibility of insurance companies.

So, how to restore discounts on OSAGO in PCA? On the official Internet resource of this instance, detailed instructions on the procedure for restoring the discount on the OSAGO policy. There you can also find a corresponding application form and contacts for obtaining advice.

Restoration of KBM through an insurance broker

This method of restoring insurance points is not the most successful, but it cannot be completely ruled out. Motorists prefer to avoid these companies as they charge a commission for providing their services. Nevertheless, they work very quickly and will be able to help you restore the CMTPL discount in 1 day. The only exception will be the case if you have previously been involved in a traffic accident, the culprit of which was yourself.

Contacting will be justified if you do not have time to independently rebuild the MSC for car insurance, and the accumulated points provide a really big discount. Otherwise, you will pay much more for the services of the company than you will save on insurance.

KBM restoration via the Internet

Nowadays, through the Internet, you can solve various issues, therefore, many motorists are interested in the question of how to restore the CMTPL discount without leaving their own home.

On the World Wide Web, you can find many online services, among which there are both paid and free ones, which allow you to very quickly and easily restore KBM. All you have to do is fill out a special form and attach scanned copies of the necessary documents to it. However, one should be very careful about the choice, since for last years a lot of cybercriminals have been divorced.

What documents may be needed to restore the KBM?

To recover your legitimate insurance discount earned over years of accident-free driving, you must submit certain documents... The most important of these are last year's insurance policies... If for any reason you cannot find them, then in this case you will need to contact the insurer and ask him to submit a certificate confirming the absence of insured events.

In some cases, the insurer may ask you for a certificate from the traffic police about the absence of offenses, therefore, in order for the recovery process to proceed as quickly as possible, it is worth getting it in advance. However, there is one small caveat here. The thing is that the traffic police is not obliged to provide such certificates, so everything depends on the loyalty of the defender of law and order.

It will not be superfluous to take screenshots from the PCA website, as well as photocopies technical passport on the vehicle, driver's license and technical inspection certificate. Having copies of all of these documents can greatly speed up and simplify the application review process.

Conclusion

So, now you know how to restore the CMTPL discount. This article has covered all the methods for solving problems with car insurance that exist today. As practice shows, in most cases everything ends when you contact the insurance company. Indeed, despite the fact that insurers are very reluctant to accept applications from their clients, nevertheless, no one wants to pay a large fine or lose a license. However, if suddenly, for some reason, the IC could not solve the problem of incorrect calculation of the coefficient, then you can always contact the higher authorities.

With trouble-free driving. Following a series of simple steps will allow you to purchase insurance at its real cost in the future.

Changing the size of the bonus-malus coefficient is necessary in cases where the cost of a new OSAGO policy significantly exceeds the amount for which it was purchased in previous periods vehicle use

There are several options for restoring the original value of the considered coefficient. Each of them involves interaction with the official structures involved in the field of civil liability insurance. The main stages of performing the necessary actions:

• Before sending complaints and claims to the official structures, it will take time to collect and organize the documentation. She will join inquiries sent to structural units Of the Central Bank.
• It is also necessary to photocopy the passport of the citizen of the Russian Federation, the driver's license, as well as the originals of the OSAGO policies on hand (even those for which the validity period has expired).
• After that, claims and complaints are sent first to the UK, then to the Union of Auto Insurers, and in the absence of a positive result, to the Central Bank and to the judicial authorities.

KBM size calculator: functionality

The current version of the online service for determining the indicator of the bonus-malus coefficient is designed to provide assistance to legal entities and individuals. When entering data on a car registered for a company or organization, it is necessary to indicate in the fields of the calculator data on the TIN, VIN of the car, as well as information on its state number, registration data on the chassis and body numbers. You will also need to indicate the start date of the policy. If the above steps are completed correctly, the system will calculate the current indicator.

For individuals the procedure for determining the coefficient will require the provision of personal information (name, date of birth, as well as passport information). The fields of the calculator indicate the nature of the permissible use of the vehicle (insurance with or without restrictions), the period of commencement of the contract, as well as information about the car: VIN, chassis, body number, state registration number.

Based on this information, the system will search for information in the AIS. The applicant will be able to find out the size of the coefficient as of the date of the request. If there is evidence that the obtained value should be less than the declared one, it is necessary to take measures to restore it.

Application form for the restoration of the KBM

This document is necessary for filing a relevant request with the UK in order to make changes to the AIS database. Subsequently, this statement will play the role of evidence, for example, when filing a complaint with the Central Bank or the PCA, on the basis of which the applicant confirms the fact of applying to the insurance company with a corresponding claim.

The application can be made in a simple written form, however, it must reflect the basic information, both about the applicant and the nature of the required measures. At the top of the form, the details of the insurance company are indicated, including its name, address, telephone number and full name of the director or manager. Information about the insured is also displayed here: registration address, contact phone number, initials.