How to find out bonus malus in rsa. Free KBM check on the official pc database
Find out how much it will cost electronic policy CTP for you and in what insurance companies you can buy it in your region:
The Bonus - Malus coefficient, called KBM, is an important element in the formation of compulsory motor third-party liability insurance, allowing car owners to qualify for a serious discount or, on the contrary, to get an increased cost of the policy. This ratio is updated annually, and in the absence of accidents for reporting period increases the amount of discounts for next year.
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KBM table for 2019
For the period until the end of 2019, Russia has a scale (the KBM table), which provides for the variation of this coefficient in the range from 0.5 to 2.45 for malicious offenders who several times became the culprits of car accidents over the year. You can get acquainted with the table data in the table below.
The KBM system provides that initially at the first insurance the client of the insurance company receives a base level of the third class, at which the coefficient is 1. The relevant information is entered into the PCA database. After the policy expires, the driver class changes in one direction or another. In the absence of accidents, the coefficient becomes 0.95. If there were accidents, then the coefficient increases depending on the number of accidents committed with a simultaneous decrease in driver class.
It is advisable to check the KBM before purchasing a CTP, in order to find out the amount of discounts that can be claimed at the insurance office.
Calculation according to the table
Using the KBM table to determine the CTP price is quite simple. It is required to act consistently.
- The calculation starts with a line with a coefficient of 1.
- For a trouble-free year, you must go down one line in the table;
- If there are accidents, you need to go up by the number of lines equal to the number of emergency situations;
- Skipping one year of presence in the insurance policy automatically sends the driver to a basic level with a coefficient of 1;
- If the insurance is made unlimited, the change in the coefficient is solely for the owner of the vehicle.
It is worth noting that in this way only calculated data can be obtained. In fact, the discount value may be less, for example, due to the fact that insurers did not enter relevant information about the accident-free ride of the client to the PCA database. As a result, KBM can be checked exclusively on the official website of the Union of Insurers, and do it online.
Practice shows that insurers resort to such cases on a regular basis. It may seem to an individual client that this is no more than an accident, but in fact it is a complete system that allows insurers to save significant amounts.
Check KBM in PCA database
It should be noted that a couple of years ago, each insurance company used its own archives of KBM, which allowed car owners in the event of an emergency to simply switch to another office, receiving a basic level instead of an increased coefficient.
Today, such a trick is impossible, since all information is entered into a single database for all insurers, access to which is available through the official website of the association of Russian representatives of the insurance market.
At the same time, access to the system is open, which allows any motorist to check the KBM on-line for several minutes. The official website of the PCA to verify the KBM - https://dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm
When filling out the request, it is necessary to indicate the full name of the driver for whom the check is carried out, as well as the number of his driver’s license (letters of the series are entered in Latin). Then it remains only to choose the settlement date at the moment of which it is necessary to determine the coefficient, and then activate the system by pressing the "Search" button.
The result obtained should be compared with its theoretical calculations. If there are no differences, then there are no problems. If there is a more modest coefficient in the PCA database, then you have to go to an insurance company in order to restore justice, and it will take some time to spend on this.
Coefficient recovery in PCA database
After we managed to check the KBM and identify the discrepancies, it is necessary to start searching for errors. To do this, you will need to analyze all previous insurance policies CTP. Given the fact that the coefficient itself is not indicated in the document, it will be necessary to independently calculate the cost of insurance, calculating the value of the coefficient.
Admittedly, finding a mistake is not easy. It is much more convenient to carry out annual cost checks to identify deviations in the first year, rather than accumulate the problem for several years, mixing erroneous data with correctly calculated periods.
Once the error has been identified, you must go to the office of the insurer. It will not be possible to resolve this issue online through the company's official website, so you will need to visit one of the nearest offices.
Practice shows that in total it will take about two to three days to correct the error.
If an inaccuracy in entering data into the SAR database was made, for example, five years ago, it will be necessary to go to the office that made the mistake. Given the limitation, it will be necessary to raise archives, which will require a certain additional time.
It is immediately necessary to note that the SAR itself does not make any changes to the coefficients of the KBM for calculating OSAGO, therefore appeals to the organization have no practical meaning and will not produce a result.
It is necessary to mention the case when the detected error cannot be eliminated. It happens in a situation where a company that made the erroneous entry (non-entry) of data into the PCA database has currently ceased to exist for any reason. In such a situation, no one else is able to make changes, even if the error is “visible to the naked eye”. It is useless in this situation to contact directly the official website of the Union of Insurers.
How not to lose a discount
Today, KBM is one of the few tools to reduce the cost of OSAGO for drivers. Moreover, even one emergency has the most serious impact on the final price tag of insurance.
Please note that after the insured event, in which the policyholder has acted as the guilty party, the driver's class decreases and the Bonus - Malus coefficient increases. At the same time, this case will not affect the cost of insurance within one year, but over the next six years. That is why it is advisable for drivers to take measures to maintain the existing MSC.
The calculations show that for drivers with a ten-year experience of trouble-free driving and a coefficient of KBM of 0.5 (the lowest possible), even when driving a domestic classic with an engine power of 75 “horses”, you will have to pay 2.7 thousand more for the policy, and over six years, the amount of overpayment will be about 9.5 thousand rubles.
If it comes about more expensive cars with high-power engines (more than 100 hp), the amount of overpayment will be even more substantial. Independently, such calculations can be carried out immediately for all insurance companies on our website, using for this.
How to avoid the loss of accumulated bonuses. The only way is to agree on the spot. It is advisable to take this opportunity in the event of a minor accident, when the cost of reimbursing a scratched bumper or wing is several thousand rubles, and the cost of the increased cost of insurance will be significantly higher. If the car damage is serious, you will have to fill out a full insured event, after which changes to the PCA database will be made without fail.
Summing up, it should be noted that for car owners KBM is practically the only way to reduce the cost of compulsory motor liability insurance, and this is very significant. Taking into account the fact that insurers do not enter data into the SAR database on a regular basis, it is necessary to regularly check the KBM on the official website of the association of domestic insurers, protecting themselves from possible unnecessary expenses when obtaining a policy.
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 Before determining the cost and execution of insurance documents, check previous insurance policies to identify the client’s KBM. 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 inclusion in a special list of violators, which every insurance company can see.
On the site you can check the driver’s KBM on the basis of the AIS RSA for the subsequent execution of the MTPL agreement. In addition, on the basis of the PCA, it is possible to check the insurance policy for compulsory liability insurance for authenticity.
Click the button below to open the PCA database
MSC verification is carried out online by official base PCA website, so you can calculate KBM around the clock and for free! You will be able to look at KBM in order to know the CTP insurance discount.
Frequently Asked Question:
How to restore KBM in the AIS SAR database? - see the recovery order by reference.
KBM Drivers Check
The check of the KBM takes place on the official website of the SAR taking into account the following parameters.
- Is provided unique identificator KBM request
- It is possible to identify the KBM of individuals and legal entities,
- It is possible to check the KBM policy without limiting the list of drivers,
- The program displays data on the previous insurance policy, shows the name of the insurance company, as well as the current number of losses.
To make a request for MSC online, you must enter the data in the MSC verification form:
- select the number of drivers to check their KBM (no more than 4 at a time);
- indicate the date to be verified. For check current ratio you need to select the appropriate date. To determine the discount for a future policy, indicate the day following the end of this CTP;
- enter your name separated by a space, not case sensitive (for example, “Petrov Petr Petrovich”);
- indicate date of birth;
- indicate series driver's license case insensitive;
- enter the WU number;
- press the button "show KBM";
- write down the cbm that appears at the bottom of the form.
What is a CBM in OSAGO insurance?
What is CBM MTPL? Bonus Malus Ratio (CBM) is the state-determined CTP insurance discount for driving without accidents, which is determined by the corresponding CBM class for CTP. Calculation of KBM depends on the volume of insurance payments of the previous year and allows you to significantly save money when buying a CTP policy. You can get the KBM coefficient of the driver specified in the CTP, right here on the site and even without registration. The number of applications for calculating the KBM is unlimited.
Features of calculating discounts for compulsory motor liability insurance
Selling CTP, the insurance company takes data on KBM in the national automated database AIS RSA, owned by the Russian Union of Auto Insurers. If the necessary information is not available in the system, insurance is calculated with an initial value of “bonus malus” equal to 1. The driver's class (vehicle owner) will be determined once during the annual insurance. This means that if payments are made through the fault of the owner of the car, CBM is increased only when the next contract is drawn up.
When the insurance policy limits the list of eligible persons, the driver who is counting on the discount is obliged to appear in the contract from the very beginning of its validity. If a person is added to an existing MTPL policy, then the next year for him, KBM for an incomplete period is not taken into account.
The driver receives the “bonus-malus” coefficient based on the accident rate of his driving under the previous MTPL agreement, from the completion of which no more than a year has passed. If there is no insurance history, the basic KBM equal to 1 is taken into account. The discount accumulated by the driver is saved for him when extending insurance at any insurance company. The driver (or vehicle owner) receives a discount when the previous “accident-free” MTPL is completed by the entry into force of the new contract.
Check KBM Size
KBM checked on the basis of the AIS of the Russian Union of Auto Insurers? Since 2013, without verification of KBM on the basis of the SAR, it is impossible to obtain an insurance policy. In order to correctly check the KBM, to correctly determine the KBM class by compulsory motor third-party liability insurance, it is necessary to indicate the date in the AIS request that follows after the end date current insurance policy.
RSA - Russian Union of Auto Insurers
The Russian Union of Auto Insurers (aka RSA) is a professional non-profit association of all domestic CTP insurance under the principle of mandatory membership. The purpose of this organization is to ensure mutual cooperation of all auto insurance companies to form general principles professional activities with compulsory insurance. The concept of the KBM coefficient and its application in the calculations of motor third-party liability insurance originated in 2003. The PCA's electronic OSAGO database includes data on car insurance since the beginning of 2011.
You can learn KBM on the basis of SAR in a specialized form higher. The verification is carried out on the basis of the official website of the SAR. MSC will be calculated strictly on the specified date!
New opportunities:
Buy CTP online - registration and payment of the policy via the Internet.
Additional service:
Download the car purchase and sale agreement - sample and standard form of DCT.
Check the inspection on the basis of EAISTO online.
OSAGO calculator online - calculating the cost of the policy.
Ask questions and write a comment / review on the official KBM service in the comments window, which is located below.
10.01.2019
Find out your bonus malus ratio (CTP)
Before making insurance, I decided to independently calculate the cost of compulsory motor third-party liability insurance, but the catch was in a class I did not understand and its bonus-malus ratio (KBM). I sorted it out and decided to educate you.
Today, there are 15 classes of driver insurance, which provide for the application of the corresponding coefficient (MSC). The class is determined by the last term of the CTP insurance contract.
Bonus Malus Ratio Table (CBM)
Class at the beginning of the annual insurance period | Coefficient | Class at the end of the annual insurance period, taking into account the presence of insurance events that occurred during the period of validity of previous contracts compulsory insurance | ||||
0 insurance payments |
1 insurance payment |
2 insurance payments |
3 insurance payments |
4 and more insurance payments |
||
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 |
In order to find out what your bonus-malus coefficient is, you need to understand what class you have. It is calculated based on the number of your insurance and the number of accidents.
If you have not previously insured yourself or there is no data on you in the databases, then the driver is assigned class 3. It is equal to the coefficient of KBM 1, which means there are no discounts.
Example 1. Driving experience of 3 years, there were no insured events. KBM class - 3, coefficient - 1.
Example 2. Driving experience 3 years, 1 accident. CBM class - 1, coefficient - 1.55.
Example 3. Driving experience of 10 years, 0 accident. CBM class - 10, coefficient - 0.65.
If you have previously insured, then when applying for a new insurance you will have:
Example 1. Experience 3 years, there were no insured events. The KBM class at the end of the annual insurance period is 4, the coefficient is 0.95.
Confused? Below, you can find out your bonus malus ratio (KBM) online at the PCA website. To do this, you will be required to enter your last name, first name, middle name, date of birth, series and number of rights, and the date the policy begins.
After entering the data, the system will issue your MSC, which was indicated by the insurer.
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How is the discount for compulsory motor liability insurance calculated? What is MSC?
MTPL tariffs are not approved by insurance companies, as is the case with hull insurance, but by the Russian government. The price of the MTPL policy is equal to the product of the base rate for a number of correction factors. In this article we will not describe them all, because This is a fairly voluminous information. If you want to find out the cost of OSAGO - Use the OSAGO calculator on our website.
The focus of this article will be Bonus Malus Ratio (CBM). The objective of this parameter is to encourage accident-free drivers in the form of discounts and to punish those who caused the accident, in the form of increasing the cost of the insurance policy.
When talking about MSC, Insurers often use the term “Insured Class”. If you are insuring for the first time, then your class is 3, and the KBM itself is 1. Next, for each accident-free year of driving, you get a 5% discount, i.e. in the second year of insurance, your CBM becomes 0.95, in the third - 0.9, etc. Maximum threshold - 50% discount on CTP (CBM \u003d 0.5). To achieve such a result, it is necessary for ten years not to become the culprit of an accident.
The discount accumulated over the years can easily be lost if, during the next insurance period become the culprit of an accident. If you have insured not so long ago, and you do not have a discount, or it is insignificant, then careless driving on the road, among other troubles, will result in an increased cost of the MTPL insurance policy for the next year of insurance. It should be noted that sanctions will be applied only if the victim of an accident asks for payment to your insurance company. In theory, he can give up and restore the car at his own expense, for example, if the damage to his vehicle was inflicted minor. With such a successful scenario, there will be no price increase.
CBM is not taken into account when insuring trailers. Also, it does not play a role in concluding a CTP insurance agreement for a transit vehicle and vehicleswhose owners are registered in a foreign country.
How to find out your KBM?
To learn your mbc for the next year of insurance, you need to use the appropriate table.
As mentioned earlier, in the first year of insurance, the driver is assigned class 3. In the table, it is highlighted in yellow. MSC in this case is equal to 1, i.e. it does not affect the cost of OSAGO. Suppose, through the fault of this driver, not a single incident occurred in the first year. We look at the column “0 insurance payments”, the value in the cell is 4. That is the next year, the driver is assigned 4th grade (KBM \u003d 0.95). This means that he has the right to reckon when extending the CTP insurance contract for a 5% discount. If in the second year of insurance this driver becomes the culprit of one accident, then he will be assigned class 2 (MSC \u003d 1.4). Those. The price of the CTP insurance policy at the next renewal will increase immediately by 40%. Another trouble-free year will help him return to 3rd grade and not overpay for insurance.
How to identify KBM, if several drivers are inscribed in OSAGO
If the list of insured drivers for compulsory motor third-party liability insurance consists of several people, the largest CBM is taken into account in the calculation. For example, if two drivers have a 40% discount (KBM \u003d 0.6), and the third 10% (KBM \u003d 0.9), then the cost of compulsory motor liability insurance will be calculated taking into account the 10% discount. In the event that one of the insured drivers is found guilty of an accident during the year, then only his KBM will grow. The rest have the right to expect an increase in discounts of 5%.
If the MTPL agreement is drawn up on the condition of an unlimited number of persons admitted to management, then the vehicle owner’s MSC shall be taken into account.
How insurance companies define KBM drivers
Back in 2012, confusion reigned in the insurance market regarding the definition of MSC. At that time there was no single database with a driver insurance history that insurance companies would have access to. The drivers who became the culprits of the accident understood that their insurance company would ask to pay significantly more for the CTP insurance policy next year, and therefore they simply applied for another insurance policy, assuring its representatives that the last year of driving was an accident-free one. This hole was used by insurance agents who want to make the most advantageous offer for a potential client. It got to the point that drivers in the first year of insurance immediately received a maximum 50% discount.
Almost ten years after the introduction of compulsory insurance in 2003 civil liability car owners, January 1, 2013 earned single base data of the Russian Union Autoinsurer. From this moment on, insurance companies are obliged to provide data on the insurance history of their clients to RSA. At the same time, of course, the Insurers have access to the database, who are now able to verify information on customers, and not take their word for it.
Important to remember
MSC is not tied to a car. If you sell an old car, and decide to buy a new one, then your discount will continue. You can count on a CTP discount on the condition that new policy It takes effect not earlier than the expiration date of the previous one, and also if one year has not passed since its expiration. Those. You sold the car in January 2014. Insurance on him was still valid until June 2014. Discount for CTP for new car You can only get it in June 2014. If the policy is issued prior to this, for example, in March, for the calculation of compulsory motor liability insurance kBM applied at the beginning of the previous policy, without an additional discount.
If you accumulated a skid, and then for any reason did not insure you under CTP, then your KBM will be stored in the database for no more than one year from the date of expiration of the last CTP insurance agreement with your participation. After a year, the discount is canceled, and you will be assigned the initial grade 3 (KBM \u003d 1).