Checking driver in rsa online. How to find out online on the basis of the rsa the driver class and cbm for OSAGO
The price of the MTPL policy depends not only on the vehicle’s power, driving experience, age and place of residence of the driver, but also on how carefully he behaves on the road. Car owners who do not get into an accident (at least through their own fault) can expect up to 50% discount on compulsory motor liability insurance. But those who are often to blame for accidents will pay 2.5 times more for insurance. How much a discount or allowance will amount to depends on the bonus-malus coefficient (KBM). So, what are the rules for calculating MSC?
Discount or fine?
The KBM is otherwise called the accident-free driving discount. If the driver for the past year has never become the culprit of an accident, it means that the insurance company did not have to spend money on this. You can reward the client for this and sell insurance at a discount next year - provide a bonus.
If the driver had an accident, then the insurer had to fork out for payments. And in order to compensate for its costs and at the same time stimulate the unfortunate driver to be more attentive on the road, the insurance company, by renewing the policy, will increase the price of OSAGO - it will provide a malus.
What accidents are taken into account?
To begin with, we note that not every accident affects the calculation of the MSC. MTPL is not property. Therefore, the calculation takes into account only those accidents in which the insurer had to make an insurance payment for his client.
If the driver is not to blame for the accident, or the accident was not filed with the traffic police, or the issue was settled according to the Euro protocol, this does not threaten the car owner with an increase in the cost of compulsory motor liability insurance.
Bonus malus odds table
To determine the coefficient, such a table of calculation of the KBM is used.
Allowances and discounts | Bonus Malus Ratio | Source class | New class |
||||
0 fear. payouts | 1 fear. pay | 2 fear. payouts | 3 fear. payouts | 4 and more insurance payments |
|||
The first two columns indicate the class at the beginning of insurance and the corresponding coefficient. The remaining columns of the table allow you to determine how the class and MSC will change in the presence or absence of accidents.
The column names show the number of cases in the past period in which compensation was paid. Accordingly, the first column with the number 0 means that there were no accidents, and the fifth, with the number 4+, indicates that the person had an accident more than four times. The numbers and letters in the body of the table show how the OSAGO class changes depending on the number of incidents on the road due to its fault.
Calculation of KBM is carried out according to the following principle. The unit is subtracted from the value of the coefficient, and the result is multiplied by 100%. When a person first acquires compulsory motor third-party liability insurance, they automatically receive 3rd class with KBM 1. Such a driver pays 100% of the cost of insurance - without any discounts or extra charges.
If the KBM is determined at the level of 0.9, then it turns out: (0.9 - 1) * 100% \u003d -10%. This means that the driver is entitled to a 10% discount.
If the coefficient is 2.45, then: (2.45 - 1) * 100% \u003d 145%. The cost of the policy increases by 145%, that is, the car owner pays 2.45 times more for insurance. This is the punishment for creating road accidents.
How to determine the coefficient from the table?
Before calculating the KBM, or rather, discounts or premiums in accordance with the insurance history, you need to determine the driver class in order to know which coefficient to apply.
Suppose a car owner recently got a license, bought a car and came to arrange for motor third party liability insurance. He is assigned the standard 3rd grade. A year passed, and he came to extend insurance. The employee looks at the insurance history and finds out that last year the accident passed the client.
The table shows that in the absence of an accident after the expiration of the annual insurance period, the driver goes into the 4th class, and his coefficient decreases from 1 to 0.95. When renewing the contract, the car owner can pay for insurance with a 5% discount. The next time the MTPL is issued, the insurer will already be guided by the line of the table corresponding to the 4th class.
If it turns out that during this time one accident occurred due to the fault of the driver, then his class will change from 3rd to 1st, and KBM will grow from 1 to 1.55. For new year insurance you will have to pay 55% more. Further, the calculation of the KBM will be based on the line corresponding to the 2nd class. Only two years later, a person will be able to return to 3rd grade and start earning a discount.
If the driver falls into class M, he will need as much as five years to again reach the standard 3rd class.
If several people are included in the policy, then the discount or allowance are determined by the worst of the coefficients.
How to find out your ratio?
It is extremely rare for KBM to be indicated on the insurance policy. Therefore, in order to determine your class in compulsory motor third-party liability insurance and, accordingly, the size of the discount or allowance, you will have to contact the insurer, calculate KBM yourself using the table, or use the PCA database.
When requesting a driving class, the insurance company must provide a certificate in form No. 4 with all necessary information within five days. This document is useful if the car owner plans to change the insurer.
To find out the coefficient on the PCA website, go to the “CTP” section and click on the “Information for Policyholders and Victims” tab. Among other information services you will find the definition of the coefficient. To obtain information, just enter the name and number of the driver’s license in the form that opens.
So we learned what KBM is, why it is needed, and how to calculate it.
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 oooh very slowly, 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 enters 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 “at the insurer” (but if immediately after the purchase the status is still “at the insurer”, this may be normal - the agent might 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% certainty that you have a valid policy (after all, scammers could have made a “duplicate” of this form), but it allows you to reject obvious fakes and stolen forms. But in order 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 driver’s licenses 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 OSAGO 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.
Alas, a significant part of motorists do not even try to understand how to find out the discount coefficient for compulsory motor third-party liability insurance, taking any amount named by an employee of the car insurance company as fair. They justify their ignorance by the complexity of the verification procedure, as well as the need to "connect" a computer and the Internet, with which they are on "you". It is actually possible to find out the size of the CTP insurance discount even without using modern technologies - by means of manual calculations.
Who gets the discount?
Bonus Malus Ratio (CBM) is a relatively new concept for the domestic insurance market. Insurers began to pay attention to him only in 2013, although in the legislation this term began to appear much earlier - from the beginning of the “zero”.
In fact, KBM is a discount that a policy buyer receives as a reward for driving carefully over all previous years. Please note that the use of a reduction factor is not a right, but an insurer's responsibility.
The coefficient can be increasing - if the driver for the years preceding the purchase of the policy “collected” traffic violations. The insurer estimates cooperation with such a motorist as risky, and therefore obliges him to pay a larger amount than his colleagues with a high road culture. In the worst case, KBM will increase the cost of the insurance policy by almost 2.5 times.
Since 2008, the KBM is assigned to the driver, and not to the vehicle. There is justice in this, because the car is not to blame for the driver being poorly trained in a driving school.
KBM Check
There are several ways to find out the discount rate for CTP.
In order to correctly make manual calculations, the driver should remember how many years he has been traveling without accidents, and also pick up the following sign:
A novice motorist is assigned the 3rd class. Every year a trouble-free ride raises its class by one. Thus, in 10 years, the driver will be able to overcome the path from 3 to 13 classes and claim the maximum discount for compulsory motor third-party liability insurance for accident-free driving, which is 50%.
In the opposite direction, this calculation procedure does not work. Even if only one insured event occurs with the motorist, as a result of which the insurer will be forced to pay compensation, the driver's class will decrease very significantly. Here you need to pay attention to the 4th column of the table. For example, if a novice driver with a 3rd class provokes an accident, his class will drop immediately to the first one - which means that you will have to pay 55% of its cost for the policy. The higher the driver “climbed”, the faster the fall: a motorist with a 13th class of road accident will cost 6 positions at once - he will be reduced to the 7th class.
Use the service from PCA
Motorists who are "at odds" with the Internet can not rack their brains over the sign and find out the MTPL discount from the RSA (Russian Union of Motorists) on the official website. The service for calculating the CTP insurance discount is available here - http://dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm . The motorist will have to indicate the following information on the website:
Own name and date of birth.
Details of a driver’s license.
Is the car owner a legal entity?
Is the number of people entitled to drive a car limited by insurance conditions?
Having specified the required data, the driver must enter the captcha and click "Search".
The procedure will not drag on for long - after just a few seconds, the PCA service will issue a verdict if there is a discount on compulsory motor third-party liability insurance for accident-free driving.
Please note: only Russian citizens can use the PCA service.
There are other services that know how to check the OSAGO discount through RSA and bypassing this authority, but you cannot vouch for the accuracy of the results issued by them. If the portal also extorts money, the motorist should immediately leave it - the KBM check has never been paid and is not now.
MSC wrongly calculated - what to do?
The question of what to do if the CTP insurance discount is lost is asked by every neat and responsible driver, whom the insurance employees “enlighten” with the cost of insurance upon purchase that does not take into account KBM. The cause of the incident may be the notorious human factor - after all, all information in the PCA database is entered exclusively manually by employees of insurance companies. Do not worry - justice will be restored. But not at once.
You will have to buy an insurance policy at the wrong price, simply because you cannot drive a car without insurance. Next, you already need to think about how to return the CTP insurance discount and correct the current situation. Together with the KBM, the "extra" money that the insurer took for the policy will be returned. The algorithm of actions, how to restore the CTP discount, is as follows.
Make copies or scans of the current and previous OSAGO policies, as well as a driver’s license.
Send scans to the email address of the Union of Auto Insurers - This email address is being protected from spambots. You must have javascript enabled to view it. . Copies can be sent by registered mail to the following address: Moscow, st. Lyusinovskaya, 27, building 3, index 115093.
Wait for a response from the PCA. The waiting period can be up to 4 months. As soon as you receive an answer, print out the letter received from the Union of Auto Insurers and go with him to the insurance.
The insurer will be forced to return part of the amount that he requested incorrectly and draw up a new contract.
Often drivers complain that they have changed their rights and the CTP insurance discount is gone. Such motorists themselves are to blame: immediately after the replacement of VU, you should contact the insurer with a statement on making adjustments to the database. Only when the database has the correct information, you can purchase a policy.
Here is an exhaustive guide to action, what to do when depriving a discount on compulsory motor third-party liability insurance that occurred unlawfully. Neither the RSA nor the insurer will be able to prevent the realization of the motorist’s right to the preferential cost of the policy, without any “iron” grounds.
Who else gets a discount on insurance?
However, in reality, there will be no discounts for pensioners for OSAGO in 2017, as in 2016 they were not. But the disabled have the right to count on a rather significant reduction in the price of insurance policies - as much as 50%! - subject to the following conditions.
A disabled person owns a vehicle and uses it independently.
A maximum of two more people are included in the car insurance, but no more.
Please note: if the child is a disabled person, his legal representative receives a discount for compulsory motor liability insurance.
How to get a CTP discount for a disabled person? The insurer’s office is asking for the full cost of the policy, and this often causes the beneficiaries to be indignant and have a well-founded question: “what does the 50% discount for compulsory motor liability insurance mean?” In fact, do not worry: the discount is provided by transferring compensation payments.
You must contact the local social security authorities with the following package of documents.
Copies of the passport (main page and registration page).
Disability certificate.
CTP policy (just purchased).
A receipt confirming payment of the policy.
Medical certificate, which states that a disabled person is able to drive vehicles.
The fine for driving without insurance is relatively low - only 800 rubles. However, it should be remembered that the driver will have to pay it every time he “gets” the inspector. Therefore, it is much more profitable to pay once for the policy and not worry about possible sanctions, especially since thanks to the KBM system, you can achieve a significant reduction in the cost of insurance by simply observing traffic rules.
The coefficient bonus-malus (KBM) is understood as an indicator that indicates the level of discipline of the driver of the vehicle. It is used by insurance companies in order to calculate the cost of compulsory motor third party liability insurance policy. MSC was introduced in 2003, and the principle of its definition and the mechanism for providing discounts during the conclusion of an agreement with the insurer changed several times.
How to find the bonus malus coefficient
As a result, confusion often arises, which can be eliminated by using only reliable resources and databases to check the coefficient. These include the official website of the RSA, that is, the Russian Union of Auto Insurers, which maintains a register of insurance policies, comprehensive information about which is collected in the AIS of the RSA (automated information system).
In order to check the MTPL OSB on a single PCA database online, you must enter information about the owner of the vehicle, which include:
Name of the owner;
Date of birth;
Details of a driver’s license;
Date of the generated request in PCA. In this case, the day following the expiration of the current MTPL policy should be indicated.
After entering the specified information into all input forms, you should check the consent with the rules for processing and providing data established on the site, and then click on the "Check" button. Within a few seconds, the data of interest to the user will be displayed on the screen, after which they can be used to calculate the price of the policy. It is important to note that the verification service is provided free of charge.
Could not determine KBM?
Often a situation arises when it is not possible to determine the KBM and the verification service throws an error. The reasons for this development may be several:
An error on the part of the auto insurer that transmitted incorrect data to the PCA;
Changes in the documents of the owner of the vehicle or driver;
Failure in the work of AIS SAR;
Conclusion by the car owner of several insurance contracts or the use of an illegal insurance policy, for example, without passing a technical inspection.
In the event of an error on the part of the insurance company, the owner of the car may file a complaint with the regulatory body - the Central Bank of the Russian Federation or directly with the RSA.
When calculating the cost of the MTPL policy, a number of parameters are used (including the bonus-malus coefficient) that increase or decrease its price. The total insurance amount is calculated by sequentially multiplying the base rate for each of them. This method allows the insurer to balance the cost of the policy with the degree of risk in each case.
An important component of the calculation formula is the bonus-malus coefficient (KBM). It can take values \u200b\u200bfrom 0.5 to 2.45 and has a great influence on the final result. If the minimum value of KBM reduces the insurance amount by half, then the maximum - increases it by almost two and a half times.
This principle of calculation is also the basis of our online OSAGO calculator.
MSC - what is it and why is it needed?
To assess the risks of future expenses, insurance companies take into account not only the regional affiliation and technical characteristics of the car, but also the skills of driving the vehicle of a particular driver.
Insurers are directly interested in attracting neat drivers who do not get into accidents. And if they do, then it is very rare and not through their own fault. Such clients bring profit to the company, and it, in turn, stimulates a similar driving style by lowering the value of the KBM.
In other words, the bonus-malus coefficient is a discount to the driver for trouble-free driving.
For each year of break-even driving, the policyholder is awarded a 5% discount until the total discount size reaches the maximum value of 50%, which corresponds to the value of CBM \u003d 0.5. Conversely, if the driver applied for damages, then the bonus-malus coefficient increases, increasing the cost of regular insurance.
How is the bonus malus ratio calculated?
It is most convenient to determine the bonus-malus coefficient using a special table.
Class | KBM | The number of insured events (claims for payment of damage) that occurred during the period of the MTPL agreement | ||||
0 | 1 | 2 | 3 | 4 | ||
The class to be assigned | ||||||
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 |
If the insurance contract is concluded for the first time, then the driver automatically receives the initial 3 class (MSC \u003d 1).
- The first column contains information about the class assigned to the driver at the time of registration of the current OSAGO policy.
- The second column indicates the MSC corresponding to the assigned class.
- The rest of the table contains classes that will be assigned depending on the number of insured events in the current year. MSC will change according to the table at the time of the conclusion of the next MTPL agreement.
The discount table is very easy to use. To calculate the bonus-malus coefficient, it is enough to know the initial value of the class and the number of insurance events that occurred during the validity period of the last CTP insurance contract. You can find out the source class at your insurance company or on your own using one of the following methods for checking the KBM.
Where to check the bonus malus coefficient?
Almost all insurance companies on their web resources provide the opportunity to learn MSC online. In addition, in the network you can find separate services for checking the current coefficient value that are not associated with a specific insurer.
All bonus malus coefficient checking websites refer to the database of the Russian Union of Auto Insurers (RSA). Anyone can also use the PCA online service and get information directly without intermediaries.
How to check the driver’s KBM on PCA database online?
The procedure for determining the coefficient on the PCA website is intuitive and does not cause any special problems. Of the documents, only a driver’s license for citizens of the Russian Federation and a valid MTPL agreement will be required. The check is carried out for each of the drivers according to the following algorithm:
- In the field "Owner of the vehicle" should be noted "individual".
- In the next section, it is necessary to indicate to the system whether there is a limit on the number of persons allowed to manage by clicking the “with restriction” button.
- Next, the required information from the driver’s license is entered: full name, date of birth, series and document number. If any of the specified information has changed (rights, last name, etc.), then the system may incorrectly determine the MSC. Try the test again using the old data.
- In the field “Contract start date / adding a driver to the contract”, you must enter the estimated date from which the new insurance policy begins to operate.
- In conclusion, a verification code (captcha) is entered and the request is sent to the server.
As an answer, a table should appear with information about the latest insurance and the bonus-malus coefficient used in calculating the agent's insurance premium. The system also provides information on the number of insured events and the significance of the new KBM.
You can check the result according to the discount table above. To do this, we take the initial bonus-malus coefficient, on the basis of which the cost of the last CTP insurance policy was calculated, and determine the new class value depending on the number of insured events. After that, we find it in the first column of the table, and the corresponding KBM value (in the second column) is the desired coefficient for calculating the next insurance premium. Ideally, it should match the results on the PCA website.
When planning future insurance costs for OSAGO, it is necessary to take into account that for calculating the cost of the policy, the maximum of all the CBM values \u200b\u200bof the persons authorized to manage is taken.
Features of calculating KBM with unlimited insurance
How to find out the value of the bonus malus coefficient for insurance without restrictions if the driver’s KBM is not known in advance? In such cases, the discount amount is determined by the owner of the car.
All calculations are carried out similarly. The only difference is that the KBM is assigned to a specific vehicle. That is, a new car of the same owner completely nullifies the accumulated bonus and receives the initial indicator of class 3.
There are cases when the KBM verification service provides incorrect information about the absence of a discount or does not calculate it correctly. In this situation, there is every chance that the insurance company at the time of conclusion of the contract will receive the same information and the cost of the insurance policy will be unreasonably high. In this case, it is better not to wait for such a development of events and to take timely measures to correct the situation.
How to recover KBM for compulsory motor third party liability insurance? Today, several methods are known. We recommend each of them to be used consistently until a positive result is achieved.
1. Internet services
There are many paid and free resources on the network that offer KBM recovery services. We do not know how reliable this method is, but motorists are promised a quick solution to the problem on such sites, which is why it is listed first. Similar services are available on the sites of some insurance companies. Perhaps they will be more reliable than pages of unknown Internet resources.
2. Letter to the insurance company
If an MTPL agreement with an inflated KBM is already concluded, you can write a statement to the insurer. The company must conduct an audit and recalculate. To do this, follow these steps:
- Prepare 2 copies of the application addressed to the head of the insurance company with a request to change the value of the coefficient in the current insurance. The basis for making changes may be the previous CTP insurance policy or a certificate from the previous insurer about the absence of payments for damage.
- Attach copies of the base documents to the application and take them to the insurer. One copy remains with the secretary, and the other is returned to the applicant with a note of admission (incoming number, date, signature). If the insurance refuses to accept documents, send them with a valuable letter with a list and notification.
The term for consideration of the application is no more than 10 days. If after this time during the re-check the CBM value does not change, call the insurance company. After making sure that the insurer does not intend to take measures to correct the situation, you can proceed to the next step.
3. Complaint to the PCA
An appeal to the Russian Union of Auto Insurers is recommended not only if the insurance company refuses to make changes to the current bonus-malus coefficient, but also in case of the insurer's liquidation, when there is simply nowhere to write a statement. Let us consider in more detail how to recover KBM in compulsory motor third-party liability insurance in RSA:
- A complaint can be sent in two ways: online and by post. To restore KBM online, just go to the PCA appeals page, download the application form on it and send it to e-mail: [email protected] ins.ru. The postal item is sent to the address: 115093, Moscow, st. Lyusinovskaya, d. 27, p. 3.
- Regardless of the application form (online or by mail), the document must contain the name, date of birth, number of the driver’s license or passport for contracts without limiting the number of drivers. In this case, the data must be confirmed by copies of these documents. Without fulfilling this condition, the complaint will not be considered.
- After filling in the data required in the application, it is necessary to state the essence of the claim and justify its position. If the verification confirms the information you provided, MSC will be restored, and the insurance company will be obliged to recount the amount of the contribution.
The process of recovering the coefficient through SAR can not be called operational, often the procedure stretches for several months. And the result is not always positive.
4. Appeal to the Central Bank of the Russian Federation
Some insurers prefer to contact the Central Bank immediately, considering this method the most reliable. Of course, this is the case, however, skipping the previous two stages there is a great risk of getting an offer from the Central Bank to contact an insurance company. Therefore, you need to use this method only as a last resort when others have failed.
To apply to the Central Bank, you need to go to the Internet reception on the complaints page and select the item “Incorrect use of KBM (discounts for trouble-free driving) when concluding an agreement”. Next, follow the link and follow the instructions of the system.
After receiving the application, the system will send a notification of admission to your e-mail. There will also be messages about the progress of the complaint and the results of the audit. As a rule, 30 days after applying to the Central Bank, an inspection of the KBM already shows the correct result.