How to find out on the basis of the rsa database the driver class and cbm for OSAGO online. Unified OSAGO base (check policy)
Check MSC OSAGO onlineUsing the site of the Union of Auto Insurers, you can check the KBM (bonus-malus coefficient). Check your odds only on official sites as they provide the most accurate information. In particular, this check will tell you where the given value of KBM came from - which insurance and by which policy number counted this value (the policy number can be checked in turn).
ATTENTION!!! It happens that the KBM verification windows load for a long time because of the workload of the databases on the PCA side, just wait a bit. Or not to wait, immediately follow the link to the official website of the PCA
Instructions on how to check KBM?
In order to perform the KBM check, you need to fill in some data in a special window of the PCA database. The first thing you will need to point out is who you want to check the KBM for, an individual or legal entity. Next, you are asked to choose whether the contract is limited by the number of drivers allowed to drive the vehicle. Attention! Check KBM is only possible for citizens registered in the Russian Federation. Then you enter your standard details, name, date of birth, series and driver’s license number. And now the important point: "The date the contract begins / the driver is added to the contract", here you need to specify the date NEXT after the end of the policy. That's all, we go through an intricate test by clicking on the “I'm not a robot” button and you will be shown the result in the PCA database of your KBM discount. If you didn’t like the results of your check or the discount for unexplained reasons was gone, you can.
ATTENTION! IF YOU DO NOT FULLY DISPLAY THE DATA INPUT WINDOW FOR CHECKING THE MSC, THEN JUST HAVE TO PUSH THE SLIDERS, AS DESCRIBED IN THE PICTURE BELOW, THERE WILL BE A BUTTON FOR SEARCH AND CONFIRMATION OF THE CODE.
MSC verification capabilities
- Verify MSC Phys. and yur. to persons
- Check KBM OSAGO for several drivers at once
KBM CTP
On our portal kBM check in PCA database will always remain free. To learn KBM CTP just indicate the name, date of birth, series and number of the higher education institution. Checking the KBM does not take much time. It is worth paying a lot of attention since you can prevent deceitful insurers from deceiving you. You can check the KBM, and then print all the necessary information when purchasing OSAGO
Check KBM in PCA database
Verification of MTPL CTP does not take more than 20 seconds. Data is sent directly to the database of the Russian Union of Auto Insurers on a specified date. This is important, because firstly, when applying for a new policy in the insurance KBM, they will look at the start date of the new policy, i.e. it changes the day after the completion of the current policy. Secondly, if you are inscribed in some amount of compulsory motor third-party liability insurance policies, when applying for a new insurance, they look at the coefficient in accordance with the last policy that has ended. Because of this, on different days has the opportunity there are different meanings, keep this in mind.
What should be the bonus malus coefficient?
The information in the PCA database can sometimes be incorrect, that is, the coefficient of KBM (aka “discount”) may be more than you should. This happens most often when your previous insurance company entered the wrong KBS in the database when you finalized your last policy. You can check your KBM in the table above
How else can I find out my KBM?
You can also find out your KBM on the official websites of insurers, which have the ability to issue an insurance policy. To do this, you need to register on the site of one of them and when applying for a policy it is possible to find out your KBM, but it may not always be correctly indicated, since it is possible you entered the person with the highest KBM in your insurance and considered the extreme insurance at a high rate. In this case, you will need to apply to your insurance company in order to have your KBM restored.
Today, the base of insurers allows you to check CTP in different ways: by policy number, by car number, etc. And vice versa - by insurance number, for example, you can find the car number. There are three verification options:
Attention, the last weeks of the verification form work very slow, they are not loaded the first time. This is a problem on the PCA side. If you want, you can try to download the verification forms individually on their website: one, two, three, respectively.
1. Check the status of the form by its number. Check the paper or electronic insurance policy on the database of AIS RSA (Russian Union of Auto Insurers) and find out its validity period below.
This form is for checking both paper and electronic XXX series policies purchased online! Usually, electronic insurance gets into the database immediately after registration, but sometimes due to the load on the database it can take several days. The correct status for the current insurance is “held by the insured” (but if immediately after the purchase the status is still “held by the insurer”, this may be normal - the agent may not have time to make changes to the database, wait a couple of days and only then sound the alarm) . The “bad statuses” of the CTP insurance policy is definitely “lost its force” (why it’s lost its force can be viewed in more detail by checking below) or “lost”. The status “printed by the manufacturer” means that such a form was not even handed over to the insurer.
Such a check does not give 100% confidence that you have a valid policy (after all, scammers could make a “duplicate” of this form), but it allows you to reject obvious fakes and stolen forms. But to exclude "doubles" you need to check which car is insured according to your policy ...
2. Find out which car is insured by a specific form. In addition to the license plate number, VIN code or body number, in the results you can find out a more detailed status of the form, for example, why insurance is not valid (they could terminate the contract ahead of schedule or the insurance policy could be lost):
3. Find out the insurance policy number by license plate number, VIN or body number + check if the driver is insured in the insurance. This check is the reverse of the previous one, here according to the machine you will find out in which insurance company it is insured, the policy number and its type (with or without restriction). VIN check is the most comprehensive. By license plate, it is searched only if the insurer has transmitted this information (they do not always do this).
If insurance is with a limited list of drivers, the system will prompt you by number and series of a driver’s license to check whether a particular driver is included in the insurance (this option appears in the second step after).
If you recently entered someone into your CTP insurance policy or made other changes to the data, then according to the standards, insurance is obliged to make changes to the PCA database within 5 days. Therefore, do not be alarmed if, after a couple of days, the changes have not yet been displayed in the AIS SAR database.
The last check is also useful in order to check a used car before buying. After all, the presence of two simultaneously operating OSAGO policies on one VIN number (or GRZ) can be a “bell” that a car is a “double”. In this case, I also recommend it (in this case, the bad sign is that the car regularly undergoes maintenance in one region or another).
4. The help of an auto lawyer on OSAGO issues:
If you are faced with the fact that your policy, judging by the database, is fake or you have other legal issues related to OSAGO, then you can get a free answer from a lawyer in the form below.
What is MSC?
It is no secret that the cost of OSAGO car insurance depends on the driving experience and the number of accidents that occurred through his fault. When ras ...
MSC stands for Bonus Malus Ratio - this is one of the parameters that determine the cost of the MTPL policy in Russia. Since the beginning of 2013, it is impossible to issue an insurance policy without asking for this coefficient based on the automated system of the Russian Union of Auto Insurers (AIS RSA).
K-insgroup insurance broker offers a service, the number of requests is unlimited.
What is MSC?
It is no secret that the cost of OSAGO car insurance depends on the driving experience and the number of accidents that occurred through his fault. When calculating the policy, a special coefficient of KBM (bonus malus) is used. And today it is one indicator that allows you to save on the cost of insurance.
CBM is calculated based on the payment of insurance premiums in previous OSAGO policies. In other words, these are bonuses to the car owner for accurate driving, and each subsequent trouble-free year of driving, the cost of car insurance is reduced by 5%. This index depends only on the driver and is assigned to him, regardless of which vehicle he drives.
PCA check based on SAR
In 2013, a law appeared in Russia requiring all insurance companies to check previous insurance policies to determine the client’s KBM before determining the cost and issuing insurance documents. Violation of this rule can lead to big problems for the insured in the event of an accident.
Today, each insurance agency can conduct a coefficient check for any car owner. At the base of the PCA automated system there are more than 100 million insurance contracts drawn up over the past couple of years.
If the policyholder concealed information about past insurance events, then such a violation threatens him with an increase in the cost of insurance by 1.5 times, as well as entering into a special list of violators, which every insurance company can see.
Krai touched on the topic of calculating the KBM (Bonus Malus Ratio). This article helps you to calculate this indicator with your own efforts. BUT, as it is rightly written to me that for insurance your calculation is a “filkin letter”, therefore, you need to really find out your coefficient, preferably from a verified source, STATE, which the PCA website actually is. Today, step-by-step instructions on how to find out (and no longer count) your indicator, and the insurance company will not be able to refuse it ...
Actually, you can calculate it, check if your insurance company correctly calculated the bonuses or penalties, that is, the top link is required to read. BUT many people don’t want to bother with this, they just need their own coefficient. YES even so that you can show it to insurers and not only yours.
Transfer to another company
Actually this information will be useful to everyone, but especially to those who transfer to another company since I am! Indeed, often many of you and I do not know our KBM in OSAGO, because in insurance this information is stored “under seven locks”! And now you come to a new company, and only they know what class you count and KBM (in general, the arbiters of fate).
Often this happens - that this coefficient is not unreasonably overestimated, and by a lot! And THIS IS YOUR MONEY! Counting - don't counting, you need to justify your discount!
But damn how to do it? How to find out KBM - OFFICIALLY, YET ALSO THE INSURANCE COMPANY HAVE ITS ACCOUNT?
It turns out everything has been invented before us.
Base on the PCA website
In general, from January 1, 2017, MANDATORY insurance of all comers will start working through the sites of insurance companies. Bill No. 752188-6. That is, you will no longer need to stand in lines, but we go to the website of the company you like and insure yourself - ideally we transfer money through electronic services (such as Sberbank online) - we print out the MTPL policy and rejoice, IT ISN’T NECESSARY TO RIDE ANYWHERE!
However, how do you know which class and KBM you have (you can calculate this one)? It turns out that all companies are required to submit their data to the PCA database, that is, in this database all information about you and violations (payments) and, accordingly, discounts are stored. It remains only to recognize them!
That is, you need to get into the PCA database yourself and print your discount, if necessary, show it to the insurer, IF IT TREES TO DECEIVE YOU.
Until recently, only insurance companies could do this, but now GUYS! JOY! EVERYONE OF US WITH YOU CAN DO IT! Next, just print the sheet and give it to the insurance agent. ALL! Fail to get out. By the way, on the same PCA website, you can also calculate the approximate cost of the CTP insurance policy, and there is a “plug” that cannot be exceeded by more than one of the companies, this is not legal. Well, let's get down to business
How to find out your KBM and class
So, we go to the official website of the PCA, just hammer in the search engine "PCA OSAGO" or go to the site - www.autoins.ru First we find out the discount of KBM, and then calculate the total cost of the insurance policy.
What I want to note - now the stability of the PCA site leaves much to be desired, often it is simply unavailable. Although it’s worth a little wait and the work resumes again, so do not be alarmed.
So, a few simple points:
- We went to the site
- Choose a masonry - "CTP" on top
- Next, select - “Information for policyholders and victims”
- Next, the tritium item at the top is “Information for policyholders necessary to determine the CBM”
- We read, put a daw "OK"
- Go to the section with determining your coefficient
- We hammer in our data, especially we are not mistaken with a driver’s license (series number). Also, the mandatory registration date of the MTPL policy! IT IS IMPORTANT!
The program gives you information from the PCA database, this is the official KBM, you can print it and take it with you.
The only inconvenience is that you are issued your KBM, and not the driver's class. BUT it is fixable.
The cost of the insurance policy
For example, I have a coefficient of 0.65 (), then my class is easily calculated, namely, “10”!
Now on the main page we click the OSAGO calculator and hammer in all the necessary lines, in fact the class too.
Below you are given your fork, in my case it is from 4015.44 to 4818.06 rubles. THAT is the maximum that the insurance company will require from me - 4818.06 rubles. You can also print and take everything with you.
I would like to remind you that a lot depends not only on accident-free experience, but also on the power of the car and on the place of residence, for example, the capital region will be insured more expensive!
Here is such a useful article, now we’re watching a video explanation.
As you can see now it’s real and most importantly - OFFICIALLY you can find out your KBM and calculate the CTP price on the website of the RSA (Russian Union of Auto Insurers). ANY COMPANY can not request from you above the maximum bar, THIS IS NOT LAWY!
I end here, I think my article was useful to you. Sincerely your AUTO BLOGGER.
When calculating the cost of the MTPL insurance policy, a separate place is given to such an indicator as KBM (bonus-malus coefficient). We will discuss all the nuances of its definition in this article.
MSC enables the driver to receive a certain discount for trouble-free driving. Accident-free driving annually increases the size of the discount and, as a result, reduces the cost of the policy for a particular car driver.
What is KBM in the CTP policy?
By KBM (bonus-malus coefficient) it is customary to understand the state-regulated OSAGO discount for the fact that he drove a vehicle (vehicle) without an accident. The size of such a discount is determined for a motor citizen by the corresponding KBM class.
Calculation of the CBM coefficient depends on the volume of insurance payments of the previous insurance period (1 year) and makes it possible for the car driver to save money when buying an insurance policy.
You can get information about the coefficient of KBM for the driver specified in the CTP policy here on the website (in this case, the registration procedure will not be required).
Please note that the number of calls regarding the calculation of the KBM is in no way limited.
What is KBM for?
The CBM coefficient is an important indicator that must be taken into account in order to correctly calculate the cost of the MTPL policy. Together with the "bonus malus", such a concept as a class of a car driver is applied.
Each class of drivers has its own KBM. At the same time, the driver who first draws up the MTPL policy is assigned (by default) class 3 with KBM \u003d 1.
In subsequent periods, the coefficient is calculated in accordance with the table that is given.
Pay attention to the following nuances:
- In the case when a particular driver did not become the culprit of the accident for a whole year (the period for which the MTPL policy is issued), his KBM is reduced, and the class is increased by one.
- In the event that, due to the fault of the driver, one / several accidents occurred, due to which the insurance was forced to make payments to other participants in the accident, its KBM, and with it the cost of the policy increases. In this case, the driver class is reduced.
The final cost of insurance (taking into account KBM and other factors) can be determined using a special OSAGO calculator.
Check KBM online for RSA - Russian Union of Auto Insurers
A few years ago, insurers used their own archives to store MSC values. So the driver, who made the decision to use the services of another insurance company to get a citizen, was forced to receive a special certificate from the previous insurer.
Now there is a single database of the Russian Union of Auto Insurers (RSA), which lists all available KBM coefficients.
Moreover, RSA is a professional non-profit association (by the principle of compulsory membership) of all OSAGO insurers in our country. The purpose of creating this structure was to ensure mutual comfortable cooperation of all auto insurance companies, which is aimed at creating common professional principles in the field of compulsory insurance.
The term “bonus-malus coefficient (KBM)" itself and its use in calculating the price of auto insurance policies arose in 2003. Maintenance of the national electronic database of RSA for compulsory motor third-party liability insurance began later, and includes information on vehicle insurance, starting in 2011.
In order to correctly check the MSC class for compulsory motor liability insurance, it is important to accurately compose an AIS request. The request should indicate the date that comes already after the end date of the current policy.
How to check car driver on KBM
The verification itself is carried out on the official PCA resource, which provides users with such opportunities:
- Get a unique identifier for the KBM request;
- Perform a check of the KBM policy without any restrictions on the list of drivers;
- Define KBM for both legal entities and individuals.
In addition, the program contains information regarding the previous insurance policy indicating the name of the insurance company where it was issued, as well as the number of losses at the moment.
In order to make an inquiry of MSC online, you need to enter the information in a special form that was created to check the MSC. By going to the next page (http://dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm) or form, any driver has the opportunity to check the KBM based on the official website of the PCA.
To do this, you will need to enter the following information:
- Full name of the driver;
- Date of birth;
- Series and driver license number. It is important here that the condition is met: the letters (if any) must be entered in English.
- The date from which it is expected to conclude a motor vehicle agreement (you can enter the current date);
- Verification code.
Now you can click "Search", after which the user will be taken to a page where the actual value of the KBM that this driver has in the PCA database will be indicated.
In the case when the coefficient obtained coincides with the value calculated theoretically, no questions should arise. If there are discrepancies and verification of the discount of MSC on the base in the SAR did not coincide with the expected value, additional steps will be required to restore the MSC.
Please note that the KBM indicator will be calculated strictly on the date specified by the user.
CTP discounts: calculation features
The insurance company, selling OSAGO policy, receives information about KBM in the automated national database AIS RSA, which belongs to the Russian Union of Auto Insurers. In the event that the necessary data are not available in the system, the initial value “bonus-malus” equal to 1 is taken into account for a citizen. Regarding the driver’s class, it should be noted that it is determined once (within the framework of the annual citizenship).
Thus, in the case of payments due to the fault of the owner of the vehicle, the CBM increases only at the time of execution of the next insurance contract.
If the policy of a motor citizen is limited to the circle of people who are allowed to drive a car, then the driver who is counting on getting a discount when composing a motor third-party liability insurance must appear in the insurance contract from the very beginning of the document. In the event that a person is added to an existing policy, for the next year, KBM for an incomplete period is not taken into account.
The driver receives his "bonus malus" on the basis of driving accident indicators based on a previous insurance contract (more than a year must elapse from the expiration of the contract). If there is no insurance history for this period, then KBM \u003d 1 is taken into account. The driver / owner of the vehicle may receive a discount if, at the time of the entry into force of the new insurance contract, the previous “accident-free” CTP is already completed.
How to recover KBM in PCA database
Stage number 1. Error detection
It is necessary to understand where and in what an error was made in the coefficient of the KBM. This can be determined independently, having the data of all insurance policies or their copies. It should be borne in mind that CBMs are not indicated directly in the policies, which means that it will be necessary to manually recalculate the cost of each of the policies.
In addition, do not forget that insurance coefficients periodically change, which means that calculations of the cost of policies for previous periods should be carried out based on those versions of "" that were in force at the time of purchase of each specific MTPL policy.
It is advisable to start checking from the very last year.
It is advisable to compare the cost of each policy with the result obtained on a calculator every year. In this case, the error will most likely be detected in the most recent period (in the current contract).
If you have not carried out such checks of the cost of OSAGO systematically, then an error (or several errors) can be detected in absolutely any period.
Stage number 2. Troubleshooting
After the error has been identified, you should contact the auto insurance company that made it in the process of registering a motor citizen to restore the MSC.
Example. You have a valid policy, which is issued in Rosgosstrakh. At the same time, it turned out that the wrong KBM coefficient was mistakenly entered into the PCA database. In this case, you need to contact Rosgosstrakh, where they will make free changes to the database (after checking the information). In practice, the whole procedure takes 2-3 business days.
It is much more difficult to correct the mistake that was made in previous policies (the action of which has already ended). In this case, you need to contact the insurance that issued the CTP policy with an error.
For example, if the cost of the insurance policy purchased by the car owner in 2012 is not calculated correctly, then to eliminate inaccuracies, you should contact the insurance company that sold the policy to you in 2012. Only in this company can they correct their own mistake.
Please note that the PCA itself does not have the right to make any changes to the database and there is no point in contacting them with this question.
A situation may arise when the driver finds a mistake, wants to correct it, however, the insurance company with which the CTP insurance agreement was concluded several years ago does not exist at the moment (liquidated, ruined, etc.).
In this case, it is impossible to restore the bonus-malus coefficient in the PCA database, since other insurance companies will not do this, and the PCA itself is not authorized.
It follows that it is very important to systematically check the correctness of the KBM coefficient on the basis of SAR, because it will not take a lot of time, and the probability of errors will be minimized.
How to calculate KBM: table for calculating the class in 2017
Below is a table with which you can find the KBM of any driver.
- Calculations should be started from the line that contains class 3 (marked in red);
- Each year, trouble-free control of the vehicle allows you to go down one line below.
- In each accident year, you need to go to the line that corresponds to the number of insurance payments.
- If the driver entered the policy during the year, then for him the class becomes equal to 3.
- If an open insurance policy is applied where the number of car drivers is not limited, the KBM will be changed exclusively for the owner of the vehicle, and all other persons are considered not inscribed in the mandatory insurance.
It is important to remember that the table above makes it possible to have only the theoretical value of the coefficient of MSC. In practice, this value can be higher, due to the fact that insurers intentionally can not enter KBM in the PCA database. This allows them to sell the policy more expensive than it really should be. At the same time, drivers who do not navigate the nuances of car insurance design and do not independently calculate its cost easily fall for similar tricks of insurance company employees.
It should be noted that every second car driver, when applying for a policy, is faced with the fact that he did not correctly calculate the cost of a citizen. From this we can conclude that the errors in accounting for KBM are quite systemic in nature, and they should not be attributed to the usual oversights of managers of insurance companies.
To correctly calculate the KBM in 2017. the following table applies:
How to save KBM in the event of an accident and not lose a discount
As mentioned above, KBM is that lowering coefficient by which you can save on the cost of a motor citizen.
It is only natural that the driver, who caused a small accident, wants to keep his discount, which he has earned over the years of trouble-free driving.
In order to substantively understand how much the driver can lose due to insurance payments, you should consider the above table with a specific example. Suppose that Fedor Ivanovich drove a car for 11 years and during that time he never became the culprit of an accident. In this case, his driver's class is 13, and KBM \u003d 0.5. Fedor Ivanovich living in Moscow and driving an Opel Corsa car (75 hp) must pay the insurance cost without discounts - 10,000 rubles. However, taking into account his experience of accident-free driving, the policy will cost him only 5,000 rubles. After an accident, the cost of the next policy will increase for him to 8,000 rubles.
A one-time accident will affect the price of a motor citizen over the next 6 years.
An example is another calculation:
- The price of the policy for the next 6 years if there was no accident:
5,000 x 6 \u003d 30,000 rubles. - OSAGO price for the next 6 years in the case when the driver nevertheless became responsible for the accident:
8 000 + 7 500 + 7 000 + 6 500 + 6 000 + 5 500 \u003d 40 500 rub.
As you can see, the difference between the amounts is 10 500 rubles. (taking into account that the example used a car with a rather small engine power - 75 hp), and if the engine is more powerful, then the cost of the policy will be much higher.
For example, if you just scratched a mirror of another car, then you can offer the driver the amount of 1,500 - 2,000 rubles. (to fix the scratch). If he agrees with a similar proposal, then you, by paying compensation, can save on the cost of the CTP insurance policy in the future. In this case, you also free yourself from the need to draw up insurance documents and provide a car for inspection of existing damages.
Of course, this solution is only suitable for minor accidents with minor damage. If due to your fault an accident has occurred with significant damage to the vehicle, then it is advisable to contact the insurance.
In conclusion, it should be noted that quite often it is possible to meet mistakes made by employees of insurance companies when entering KBM coefficients in the RSA database. Own coefficient should be checked independently and contact the insurance company to make adjustments, if necessary.