Driving without accidents allows you to get discounts on your insurance policy. The Bonus-Malus coefficient is indicated in the concluded insurance contract. The company takes into account information about the coefficient during the sale of OSAGO. Data is obtained from the Automated Database System - AIS, while checking the information in the Russian Union of Automobile Insurers. Consider what a class of insurance is.
Application of the Bonus-Malus coefficient or insurance class while driving
The coefficient is used in the cost calculation. For owners of vehicles, a discount saves the cost of paying for an insurance contract. The bonus is equal to one and is distributed in two cases:
- when the transport goes to the place of registration for technical inspection.
- Vehicle insurance registered in another country.
Conclusion of OSAGO agreements
The increase in the rate is not applied, due to the great competition between insurance companies.
Unlimited insurance applies to the owner if unlimited drivers are allowed to drive. Only the owner has the right to the assigned vehicle class. There are two conditions at this time:
- Class assignment is written out if the insurance was without restrictions.
- Coincidence between owner and transport during the drafting of a new contract.
Features of issuing an insurance policy is to draw up an agreement with an accrued coefficient. The rate is calculated taking into account a detailed study of the previous terms of the contract.
Early termination of OSAGO
The new insurance company is required to check the previous policy. A detailed study of the case helps to establish the bonus coefficient. Early termination of the contract provides for the subsequent absence of a discount. The discount is calculated according to the number of traffic accidents and accidents. The new one may be affected by previous restrictions. The insurance company receives compensation for early termination of insurance. Information about is easy to find on the website of the insurance company. The coefficient can be found by entering personal data in a special form: last name, first name, patronymic date of birth. In general, they enter driver data, where the series and number are recorded. The data is found in a matter of minutes, so the execution of an early contract does not take much time.
Odds table, how to determine your class
According to this table, you can determine which class of insurance will be assigned:
| Class at the beginning of the insurance period | KBM | Number of insured events during the year | ||||
| 0 | 1 | 2 | 3 | 4 or more | ||
| 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 | M | 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 |
The tabular data includes the following items:
- Class at the start of insurance.
- Coefficient.
- Insurance payments by class.
The insurance payment is calculated at a zero rate. Further, the coefficient rate is calculated in ascending order of the class. For example, the insurance period is zero - the coefficient will be 2, 3. The table consists of thirteen class indicators. The coefficients are calculated taking into account the data about the owner with restrictions, as well as without them. The calculation of the coefficient is influenced by indicators:
- Purpose: management of the owner and other managers.
- The duration of the policy.
- Date of completion.
The known assignment for any violations is set by the third class, that is, the coefficient is equal to one.
Calculation of KBM
After setting the rate, additional contracts for car ownership are checked. The conditions for calculating rates include two types of payments: upcoming forward and completed. The insurance company is responsible for any payment, so it is worth considering the history of the contract. The insurance payment is considered one if one insured event occurs. For compilation, a completion period of at least twelve months is considered. The procedure for calculating the payment is related to the initial number of payments. Upon completion of the drafting of the contract, the total amount of the paid rates is tallyed up.
Accident-free driving - help
In the presence of driver's documents there are many references. In order to confirm the absence of accidents, the insurance company will need a document that indicates the number of traffic accidents. If the owner draws up a new insurance document, chooses a new company, terminates the contract ahead of schedule, then a certificate of accident-free driving is a necessary document. complete information about the owner is stored.
Data on the car and the number of accidents is very easy to find. At the end of the contract, the information is still recorded. Insurers quite often use a convenient service for verification. The certificate is issued when the contract expires. The owner after five days can get a certificate. Although at the end of the contract it is better to play it safe: apply a week before the deadline.
How to restore the contract and where to find it in the KBM contract
Not surprisingly, back-up data becomes essential information. Different cases lead to the restoration of the contract. The primary reason is the expiration of the term. Restoring a document is easy enough. To restore the contract is necessary. With the help of a common registry, the data is checked and a similar contract is drawn up. For the driver, it is important to maintain a safe ride. For the reasons of recorded accidents, not only fines are charged, but the bonus is also reduced.
there are two main types of losses that the insurer is obliged to compensate in the event of an accident:Careful driving on the road for the driver is a great opportunity to save money. Pay less for the contract now, perhaps, taking into account the bonus coefficient.
- Harm caused to the health or life of others.
- Damage or destruction of someone else's property as a result of an accident.
Reference! According to the norms of the above law, the victim is a person who was harmed as a result of an accident. In this case, the category of victims includes the driver, the damaged car, pedestrians, as well as passengers.
What is a settlement?
The settlement of losses under OSAGO insurance means the process of compensation for damage caused to property, health or life of victims as a result of an accident. Wherein only those losses that were incurred by the innocent party are subject to compensation. In relation to the culprit of the accident, compensation for losses under OSAGO is not made.
In order to protect your vehicle from emergencies on the road, it is recommended to purchase a CASCO policy. Read about how it differs from OSAGO.
It should be noted that the maximum amount of compensation for incurred losses is established at the legislative level. So, in accordance with article 7 of the law "On OSAGO", the maximum amount is:
- 400,000 rubles - if the property of the victim was damaged.
- 500,000 rubles - if harm is caused to the health or life of other persons. In this case, payments are made in favor of each victim.
Today the car owner has the opportunity to expand the limit of insurance payments by issuing a policy. This type of insurance provides the insured with the opportunity to independently set the maximum amount of insurance payment. At the same time, it will come into effect only if the main compensation is not enough to fully compensate for the losses caused.
Break-Even Help
So, a driver who applies for an auto-citizen for the first time is assigned Cbm = 1 (discount = 0%). At the same time, for each year of accident-free driving, a discount of 5% is provided, that is, already in the second year of driving, the cbm will be equal to 0.95. The maximum discount for OSAGO is 50%. To obtain it, it is necessary for 10 years to never allow an accident due to one's own fault.
Thus, each driver should familiarize himself with the mechanism of the OSAGO policy, so that in the event of an insured event, he knows exactly when and what losses the insurer will have to compensate.
It is also necessary to be aware of a special certificate, since having this document in hand, the driver can demand the discount due to him from the insurance company.
When making a contract, each motorist can count on a discount for trouble-free driving. However, in practice, the accumulated discount disappears, and drivers begin to think about how to restore the CMTPL discount for accident-free driving.
When drawing up an insurance contract, all drivers are concerned about the amount of the accumulated discount. This is not surprising, since it is thanks to the discount that you can save a lot and purchase a mandatory protection form at an attractive price. According to the law, every owner of a vehicle who has not been responsible for an accident during the year can receive a discount under an OSAGO agreement. For each year without accidents, a cumulative bonus of 5% is accrued. The amount of the bonus may increase annually. With regard to the maximum limit, within the framework of the law, the discount cannot exceed 50% of the basic cost of mandatory protection. It turns out that a driver who has been driving an “iron friend” for 13 years without an accident will be able to earn the maximum discount. In practice, there are many such drivers.
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BMF values
Many drivers do not even know what KBM is in OSAGO insurance. In fact, everything is quite simple and this term is translated as the bonus malus coefficient. Especially to determine it, a special table was created, which shows how the amount of the discount increases if the driver is not the culprit of the accident.
It is also necessary to take into account that KBM is not only a discount under the contract, but also a multiplying factor that applies to drivers who were responsible for the accident. It is this coefficient that is taken into account when calculating the insurance premium for each participant in the movement. At the same time, it must be taken into account that if several drivers are provided for under the contract, the minimum coefficient that the driver has is taken into account when calculating the cost.
How to find out and check your KBM?
There are two ways by which you can check the KBM by driver:
- according to the KBM table
- according to the unified RSA database
Table check
It should be noted right away that this method of determining the bonus was used by insurance agents and managers. You can download the table on the PCA portal or freely available on the World Wide Web.
The entire table consists of three sections:
- class under the OSAGO agreement
- coefficient that is taken into account in the calculation
- number of accidents
With the first insurance, each driver receives a 3rd driving class. If after a year there were no accidents, then in the line of the current bonus you need to look at the new coefficient, depending on the number of payments. For example, under insurance there was a 3rd driving class. There were no losses during the year, so the client is assigned class 4, which corresponds to a coefficient of 0.95, which means a 5% discount.
If the client had one accident after the first water driving, then the insurers would apply the 1st driving class, with a multiplying factor of 1.55. The disadvantage of this method of verification is that not all motorists know their bonus, which was used when drawing up the contract.
Checking on a single PCA database
This method of verification has been very popular since its inception. All the client needs to do is to visit the official website of the PCA and use the automatic check in the “OSAGO” section.
To obtain information on the current class, you must specify:
- surname, name and patronymic
- date of birth
- driver's license details
- the date on which you need to know the size of the CBM
As soon as all the data is entered correctly, a detailed report will appear, which will reflect the discount for the driver on the date of the request.
Anyone can use the PCA database check for free, at any time convenient for them.
Information about safe driving
Information about the presence or absence of insurance payments under the OSAGO form can be requested in the form of a certificate from the insurance company. It should be borne in mind that the insurer can prepare a certificate only upon a written request:
- under the current OSAGO
- on a policy that has expired
Information is provided within 5 working days from the moment the client contacts the company. The help template is approved at the legislative level. This document contains information such as:
- Full name of the insured and the owner under the contract
- OSAGO validity period
- KBM for each driver who was allowed to drive
- vehicle data
- the presence or absence of insurance payments
It is worth noting that the certificate was required several years ago. As soon as a unified PCA database appeared, all insurers began to request information on their own. Thanks to the database, insurers can receive reliable information in a matter of minutes.
How to restore KBM
In practice, many motorists are wondering: is it possible to return the discount, and if so, how to do it? In fact, there are several options for restoring the earned bonus.
How to restore KBM:
| At the insurer's office | The easiest recovery option. To get a refund you need to:
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| On the official website of the insurer | Not everyone can go to the office in person. Especially for such clients, there is an application form on the official website of the insurance company. To return the KBM you need:
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| On the RSA portal | The most proven way is to contact the PCA portal. Necessary:
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Katerina, good afternoon. As I understand it Have you been refused to conclude an OSAGO agreement with the use of a certain KBM, which gives you the right to a discount, and decided to take out insurance without a discount?
If this is indeed the case, then a break-even statement will be required.
In accordance with the "Regulations on the rules for compulsory insurance of civil liability of vehicle owners" (approved by the Bank of Russia on September 19, 2014 N 431-P), which contains clarifications on the application of Art. 15 of the Law on OSAGO already cited,
1.8. Together with the application for concluding a compulsory insurance contract, the policyholder shall provide the insurer with the information on insurance received from the insurer with whom the previous compulsory insurance contract was concluded.
When concluding a compulsory insurance contract providing for driving a vehicle only by the drivers indicated by the insured, the insured shall provide the insurer with information on insurance in respect of each driver indicated by him. When concluding a contract of compulsory insurance without restriction of persons admitted to driving a vehicle, the policyholder provides the insurer with information about insurance in relation to the owner of the vehicle.
When concluding a compulsory insurance contract the insurer checks the conformity of the information on insurance provided by the insured and the information specified in the application for the conclusion of the compulsory insurance contract with the information contained in the automated information system of compulsory insurance and in the unified automated information system for technical inspection. When a discrepancy is found between the information provided by the insured and the information contained in the automated information system of compulsory insurance and (or) in the unified automated information system for technical inspection, the insurer concludes a compulsory insurance contract based on the information provided by the insured , except for the cases provided for in paragraph 1.11 of these Rules. Information about vehicle owners who knowingly provided false information to the insurer, if this information led to a decrease in the amount of the insurance premium, is entered by the insurer into the automated information system of compulsory insurance and is used when concluding a compulsory insurance contract for a new term to apply the appropriate coefficient of insurance rates.
Information about previous compulsory insurance contracts (including those terminated ahead of schedule) necessary to determine the class of the owner of the vehicle (driver) can be obtained from the automated information system of compulsory insurance.
Under a compulsory insurance contract that provides for limiting the number of persons allowed to drive a vehicle and driving this vehicle only by drivers specified by the insured, the class is determined based on information regarding each driver. A class is assigned to each driver who is allowed to drive a vehicle. In the absence of information, the specified drivers are assigned class 3. If the previous compulsory insurance contract was concluded on terms that did not provide for limiting the number of persons allowed to drive the vehicle, then the information provided is taken into account only if the driver was the owner of the vehicle. (Decree of the Bank of Russia dated September 19, 2014 N 3384-U "On the maximum size of the basic rates of insurance tariffs and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium for compulsory insurance of civil liability of vehicle owners" ).
Katerina, in this regard, please specify in connection with what the need to provide such a certificate arose?
