How to find out the bonus Malus OSAGO online rca. Peculiarities of checking, calculating and restoring drivers' cbm on the basis of the AIS rsa for civil liability insurance
Today, the base of insurers allows you to check OSAGO in different ways: by the policy number, by the car number, etc. And vice versa - by the insurance number, for example, you can find out the car number. There are three test options in total:
Attention, the last weeks of the verification forms are working very slowly, they are not loaded the first time. This is a problem on the PCA side. If you want, you can try to upload the verification forms separately on their website: one, two, three, respectively.
1. Checking the status of the form by its number. Check the paper or electronic CTP policy against the AIS RSA (Russian Union of Auto Insurers) database and find out its validity period below.
This form is for checking both paper policies and electronic policies of the XXX series purchased over the Internet! Usually, electronic insurance gets into the database immediately after registration, but sometimes, due to the workload of the database, it can take several days. The correct status for valid insurance is “is with the insured” (but if immediately after the purchase the status is still “with the insurer”, then 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) ... Unambiguously "bad statuses" of the CTP policy are "expired" (why exactly it became invalid, you can see in more detail on the check below) or "lost". The status "printed by the manufacturer" means that such a form has not even been 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 forgeries and stolen forms. But in order to exclude "duplicates" you need to check which car is insured according to your policy ...
2. Find out which car is insured according to a certain form. In addition to the state number, VIN code or body number, in the results you can find out a more detailed status of the form, for example, why the insurance is not valid (they could have terminated the contract early or the insurance policy could have been lost):
3. Find out the number of the OSAGO policy by state number, VIN or body number + check if the driver is included in the insurance... This check is the opposite of the previous one, here, according to the data of the car, you will find out in which insurance company it is insured, the policy number and its type (limited or unlimited). VIN check is the most complete. It is searched by state number only if this information was provided by the insurer (they do not always do this).
If the insurance has a limited list of drivers, the system will offer to check by the number and series of the driver's license whether a certain driver is included in the insurance (this option appears in the second step after).
If you recently entered someone into your MTPL policy or made other changes to the data, then according to the standards, insurance companies are 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 RSA database.
The last check is also useful for checking a used car before buying. After all, the presence of two simultaneously valid OSAGO policies on one VIN-number (or license plate) can be a "ringing" that the car is a "double". In this case, I also recommend (in this case, a bad sign is that the car regularly undergoes MOT in one region, then in another).
4. Assistance of an auto lawyer on OSAGO issues:
If you are faced with the fact that your policy is fake, judging by the database, or you have other legal questions related to OSAGO, then you can get a free lawyer's answer in the form below.
The bonus-malus coefficient (BMR) is understood as an indicator that indicates the level of discipline of the vehicle driver. It is used by insurance companies in order to calculate the cost of issuing an OSAGO policy. MSC was introduced in 2003, and the principle of its definition and the mechanism for granting discounts when concluding a contract with the insurer changed several times.
How to find out the bonus-malus coefficient
This often results in confusion that can be eliminated by using only trusted resources and databases to verify the ratio. 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 RSA (automated information system) .;
In order to check the CMTPL CMTPL on a single PCA database online, you must enter information about the vehicle owner, which include:
Full name of the owner;
Date of his birth;
Driver's license details;
Date of the generated request in the PCA. In this case, the day following the expiration of the current OSAGO policy should be indicated.
After entering the specified information in all the input forms, you should tick the box of agreement 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 when calculating the price of the policy. It is important to note that the verification service is provided free of charge.
Failed to identify the MSC?
Often a situation arises when it is not possible to determine the KBM and the verification service generates an error. There may be several reasons for this development of events:
An error on the part of the auto insurer who sent incorrect data to the PCA;
Changes in the documents of the vehicle owner or driver;
Malfunction of the AIS RSA;
The conclusion by the car owner of several insurance contracts or the use of an illegal insurance policy, for example, without undergoing a technical inspection.
In case of an error on the part of the insurance company, the car owner can file a complaint with the supervisory authority - the Central Bank of the Russian Federation or directly with the RSA.
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How is the discount for OSAGO calculated? What is KBM?
MTPL tariffs are approved not by insurance companies, as is the case with CASCO, but by the government of the Russian Federation. The price of the OSAGO policy is equal to the product of the base rate by a number of correction factors. In this article, we will not describe all of them, because this is quite voluminous information. If you want to find out the cost of OSAGO- use the CTP calculator on our website.
The focus of this article will be Bonus-Malus Ratio (KBM)... The objective of this parameter is to reward accident-free drivers in the form of discounts and punish those through whose fault accidents occurred in the form of an increase in the cost of the compulsory motor third party liability 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. Further, for each trouble-free year of driving, you will receive a 5% discount, ie. in the second year of insurance, your MSC becomes 0.95, in the third - 0.9, etc. The maximum threshold is a 50% discount on OSAGO (KBM = 0.5). To achieve such a result, it is necessary not to become the culprit of an accident for ten years.
The discount accumulated over the years can be easily lost if you become the culprit of an accident during the next insurance period. If you are insuring 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 OSAGO policy for the next year of insurance. It should be noted that the sanctions will be applied only if the victim as a result of an accident applies 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 insignificant. With such a successful scenario for you, there will be no price increase.
KBM is not taken into account when insuring trailers. Also, it does not play a role in the conclusion of an OSAGO agreement for a transit vehicle and for vehicles whose owners are registered in a foreign state.
How to find out your KBM?
To find out your KBM for the next year of insurance, you need to use the appropriate table.
As mentioned earlier, the driver is assigned class 3 for the first year of insurance. It is highlighted in yellow in the table. MSC in this case is equal to 1, i.e. it does not affect the cost of OSAGO. Let's say that not a single incident occurred through the fault of this driver in the first year. We look at the column "0 insurance payments", the value in the cell is 4. Ie. the next year the driver is assigned the 4th class (KBM = 0.95). This means that he has the right to count on a 5% discount when extending the OSAGO contract. If in the second year of insurance this driver becomes the culprit of one accident, then he will be assigned class 2 (MSC = 1.4). Those. the price of the OSAGO policy with the next extension will immediately increase by 40%. Another trouble-free year will help him return to 3rd grade and not overpay for insurance.
How to determine the CBM, if several drivers are entered in the OSAGO
If the list of insured drivers for OSAGO consists of several people, the largest MSC is taken into account in the calculation. For example, if two drivers have accumulated a 40% discount (KBM = 0.6), and the third has 10% (KBM = 0.9), then the cost of OSAGO will be calculated taking into account a 10% discount. If one of the insured drivers is found guilty of an accident within a year, then only his MSC will grow. The rest have the right to expect a 5% increase in the discount.
If the OSAGO agreement is drawn up on the condition of an unlimited circle of persons admitted to driving, then the vehicle owner's CMM is taken into account.
How insurance companies define MSC drivers
Back in 2012, confusion reigned in the insurance market regarding the definition of MSC. At the time, there was no single database of driver insurance history that insurance companies had access to. The drivers who became the perpetrators of the accident understood that their insurance company would ask to pay much more for the MTPL policy next year, and therefore simply applied for a new policy to another insurance company, assuring its representatives that the last year of driving was accident-free. This hole was also used by insurance agents who wanted to make the most profitable offer for a potential client. It got to the point that drivers for the first year of insurance immediately received a maximum 50% discount.
Almost ten years after the introduction of compulsory civil liability insurance for car owners in 2003, on January 1, 2013, a unified database of the Russian Union was launched by the Auto Insurer. From this point on, insurance companies are required to provide data on the insurance history of their clients to the PCA. At the same time, the Insurers, of course, have access to the database, who are now able to check information on clients, and not take their word for it.
Important to remember
The KBM is not tied to the vehicle. If you sell an old car and decide to buy a new one, your discount will remain. You can count on a discount on OSAGO, provided that the new policy does not come into force before the expiration of the previous one, and also if one year has not passed since its expiration. Those. you sold your car in January 2014. Insurance for him was still valid until June 2014. You can get a discount on MTPL for a new car only in June 2014. If the policy is issued before, for example, in March, MTPL will be applied for the calculation of OSAGO at the beginning of the previous policy, without an additional discount.
If you have accumulated a discount, and then for some reason were not insured under OSAGO, then your MTPL will be stored in the database for no more than one year from the date of expiration of the last OSAGO agreement with your participation. After a year, the discount will be canceled, and you will be assigned the initial 3rd class (KBM = 1).
KBM or bonus-malus coefficient is a system of rewards and penalties that insurance companies apply to clients (policyholders), taking into account the rating. The rating is determined based on the history of insurance payments. In fact, it is a discount or multiplier that is used in determining the cost of an insurance policy. For motorists, this coefficient is of paramount importance in compulsory OSAGO insurance.
OSAGO and KBM.
The bonus-malus system works for the liability insurance of car owners and drivers in most developed countries. Its concept implies an incentive - a bonus in the form of a reduction in the cost of an insurance policy for those who do not allow insured events. The downside is a fine - malus for those who made such a case.
In Russia, the application of such a system was announced simultaneously with the entry into force from July 1, 2003 of the law on OSAGO (No. 40-FZ of 25.04.2002). It was only in 2011 that fully automated accounting of the driver's rating began to work. Until then, maintaining the history of insurance payments, determining the bonus-malus ratio and calculating the cost of the policy using it was the responsibility of the insurance company.
Since January 1, 2012, a centralized automated accounting system has been put into operation, into which information has been entered on OSAGO agreements concluded in 2011. Since the beginning of 2013, the replenishment of the system base has become mandatory for insurance companies working with these contracts. Insurers must transfer the data of policyholders and contracts. Access to the information contained in the system has been open to them since July 2014, due to which it became possible to use information from previous insurance periods when determining the cost of the policy.
According to the new version of the law as amended on 06/23/2016, access to the data of the automatic system to control the relevance and correctness of the stored information from January 1, 2017 was received by the insured - individuals.
Thus, every citizen who concludes an OSAGO contract can, by contacting the website of the Russian Union of Auto Insurers (this is the organization that goes into a single database), find out what information about it is available to the insurer, and get the current MSC value.
How is MSC calculated?
Self-determination of the bonus-malus coefficient is not difficult. At the first conclusion of the OSAGO contract, the driver is assigned the initial 3 class, which gives the MSC value equal to 1. For each year that has passed without insured events, the driver is encouraged to increase the class by 1. Each such increase brings a 5% discount for insurance.
If the policyholder admits an insured event, the class decreases, the price of the plis increases. Moreover, this growth is the more significant, the lower the current class and the greater the number of insured events allowed. For example, a class 3 driver who is responsible for 1 payment during the year will be downgraded to class 1, which is equivalent to an increase in the cost of the policy by 55%. A driver who has driven a car without accidents for 3 years will receive a 6th class and a 15% discount, but, having become the culprit of an accident in the fourth year, will drop to 4th class and can only count on a 5% bonus.
For a quick calculation, the sources provide a table of driver classes and the corresponding MSC, which also reflects its changes. The maximum bonus is 50% (10 years of trouble-free driving or more). Particularly inaccurate drivers will have to pay 2.45 times for the CTP policy.
Some special rules are established when calculating the MSC, when several persons are allowed to drive the vehicle. With a limited number of them, when calculating insurance, the minimum bonus-malus coefficient of all is taken into account (although the individual coefficients for each of the drivers continue to be determined according to the standard rules). With an unlimited circle, the insurance discount depends on the owner's MSC.
Zeroing the MSC.
The bonus-malus coefficient in the PCA databases is reset to zero in one case - if more than 12 months have passed since the end of the last insurance contract before the conclusion of a new one. In this case, regardless of the previous class and the level of discounts, you will have to accumulate an incentive coefficient from the 3rd class and zero discount (100% of the policy cost for insurance).
In all other cases, the coefficient changes will correspond to the table.
There is a possibility that the KBM will reset to zero when important information of the insured changes - obtaining new rights, changing the name, etc. To prevent this from happening, he or the owner of the car must submit an application to the UK. The insurer is obliged to reflect these changes in the database.
You can check the relevance of the information on the PCA website
How to find out the driver's KBM using the PCA database - step by step instructions.
- Go to the website of the Russian Union of Auto Insurers at www.autoins.ru.
- In the site menu, select the CTP item.
- In the list that opens on the left, select the first item - "Information for policyholders and victims".
- From the list in the central area, select the third item "Information for policyholders required to calculate the MSC".
- The displayed text message warns about the need to enter some personal data. The result cannot be obtained without consent to their processing. You can agree to it by checking the box next to the request "I agree to the processing of personal data."
- Next, you will need to indicate whether the owner of the vehicle is a legal entity or an individual, the type of insurance contract (with or without limitation of the number of those allowed to drive), full name, O. the driver and the data of his license, the date of the conclusion of the insurance contract.
After entering the verification code, the official bonus-malus coefficient will be calculated based on these data, which is mandatory for use by any insurance company.
Calculation of the cost of the CTP policy.
The site allows you not only to find out your MSC by OSAGO. There is also a convenient calculator for the cost of the policy.
You can use it by selecting the item "Calculation of the cost of OSAGO" in the left list or from other pages where the link "Calculator of OSAGO" is available.
After entering the information about the car and drivers, the cost of the plis will be calculated, indicating the plug of the base tariff, and the maximum and minimum amounts of the insurance premium. There you can also see a list of all the coefficients used in the calculation and their specific values.
- The value of the bonus-malus coefficient obtained in the PCA database is mandatory for use by all insurers. Therefore, in order to eliminate the disagreements, the results obtained on the site are enough to print and present to the insurance company when purchasing OSAGO.
- If the information in the PCA databases does not correspond to the actual ones calculated based on the actual experience of accident-free driving, it means that one or several insurers did not enter the information into the information system. You can correct the situation by contacting the PCA with a claim supported by documents (it is advisable to keep the policies).
- Wrong indication of KBM by the insurer is the reason for the investigation and the return of the overpaid funds. To do this, a claim is submitted to the insurance company, the real bonus-malus coefficient is indicated (the appeal must be officially registered - its number is indicated when sent in electronic form, there is a receipt for payment of the postage or a mark of the IC on the second copy). If, within the prescribed period (the law gives 10 days for this), no action is taken, or the change of the MSC and the refund of funds is refused, you should file a complaint against the insurer with the Bank of Russia. The complaint is supported by factual material. After considering and making a positive decision, the insurance company will return the overpaid funds.
Video.
The “bonus-malus” coefficient (KMB) is one of the main indicators for determining the cost of a compulsory motor third party liability insurance policy (OSAGO). Its application lowers the cost of insurance for careful drivers and increases it for car owners with a risky driving style. KMB is closely related to the class of insurance assigned to the driver. The rules for assigning classes and calculating KMB are spelled out in the current version of Appendix 2 of the Directive of the Bank of Russia dated September 19, 2014 N 3384-U on the size of base rates and coefficients of insurance rates.
What is MSC in OSAGO
The bonus-malus discount system changes the price of the insurance policy depending on the insurance history of a particular policyholder. The Latin word "bonus" literally translates as "good" and means a bonus, a gift.
For a year of driving without accidents that entailed insurance payments, insurers reward insured drivers with a 5% reduction in the cost of insurance for the next period. This is a bonus. And, conversely, those responsible for frequent accidents leading to payments by insurers are punished with additional charges. This is malus (from Latin "bad").
What determines the driving class
The Bank of Russia has developed special table linking the number of accidents, which required insurance payments, admitted by the driver for the year, with a numerical multiplier (“bonus-malus” coefficient). You can also get acquainted with it on the official website of the Russian Union of Auto Insurers (RSA).
MTPL table for OSAGO based on PCA - discount class
The more accidents, the lower the driver's class and the higher the coefficient used to calculate insurance... In total, there are 15 insurance classes providing for the use of KMB.
For 10 years of careful driving, the driver reaches the 13th class, the highest, and OSAGO costs him 2 times cheaper, since the accumulated discount is 50%.
Upon receipt of the lowest, class "M", the price of the insurance policy is 2.45 times higher than the base rate. To return from the worst class to a factor of 1, the driver will need 5 years of accident-free driving.
How to calculate the bonus malus coefficient
How to calculate the MSC based on the PCA database? The discount or surcharge that must be applied when determining the total cost of the insurance policy is calculated by subtracting the coefficient corresponding to the class assigned to the driver from the unit and multiplying the result by 100%.
So, the MSC for the 7th grade is 0.8, and the discount is (1 - 0.8) x 100% = 20%.
Initially, the driver, in the absence of insurance history, is assigned the 3rd class, which sets the coefficient 1, the price of the insurance policy is equal to the base rate... With each accident-free year, the class assigned to the driver increases, and the KMB decreases by 5%, correspondingly increasing the discount provided by the insurer. Conversely, the class will be downgraded, and the cost of the policy will increase depending on the number of accidents that occurred last year.
HOW to correctly calculate the CMTPL CMTPL based on the PCA base? If during the year the driver did not allow a single accident that entailed an insurance payment, the initially assigned 3rd class is increased to 4th, with a KMB 0.95 and a 5% discount. In case of one accident that entailed an insurance payment, the driver's class will decrease from 3rd class to 1st class, from KMB 1.55, which means that the policy will cost an inaccurate driver 55% more expensive than the standard. In case of two or more accidents, the insurance will be almost two and a half times more expensive than the base rate, because the premium will be 145%.
For an experienced driver who has a high driving class, for example, 8th, the insurance for the first accident will not increase much, since his class will only drop to 5th, and he will receive a 10% discount when concluding an insurance contract for the next year, instead of the previous one in the 8th class a discount of 25%.
Checking the KBM of drivers in the OSAGO database
How to check the driver's KBM using the PCA database online? To check the Bonus Malus RSA coefficient online, you need to visit the official website of the RSA, there it is enough to enter the series and number of the driver's license (VU), as well as the personal data of the driver: last name, first name, patronymic and date of birth. You will also need to enter the date of conclusion of the OSAGO agreement.
The service is free and is valid for drivers who are citizens of the Russian Federation... You will first need to confirm your consent to the processing of the provided personal data by ticking the appropriate line.
Many insurance brokers on their websites, along with the online CTP calculator, also offer a free check of the driver's KMB according to the PCA database.
Subtleties of application
The KMB purchased by the driver is retained when changing a car or an insurer that draws up an OSAGO contract for the next year. Since all data is recorded in a single electronic PCA database. This is especially beneficial for experienced, accurate drivers who are guaranteed to take advantage of their benefits. How to find out the class of the driver of OSAGO online is described above.
1. Introduction of changes.
When changing the driver's data entered into the MTPL policy, for example, as a result of the replacement of the VU, in order to preserve the previously assigned KMB, you need to inform your insurer about this in writing.
In accordance with clause 1.10 of the Rules for compulsory insurance of civil liability of vehicle owners, the insurance company, having received changes in the information specified in the OSAGO agreement, enters them into the policyholder's insurance policy, and then, no later than 5 working days, into the PCA information system.
If these changes are not made to the policy before the expiration of its validity period, the driver's KMB can be restored according to the number of the previous driver's license indicated in the new VU, in the "Special notes" field.
2. If the discount is "lost".
- 2.1. It is important to determine at what moment and with which insurer the MSC was reset. This can be done by inquiries indicating the start dates of all insurance periods on the KMB check page on the PCA website. It's a good idea to find previous insurance policies. Even those where the driver appears among the drivers of other cars will do, if there are special marks about which class was assigned to him.
- 2.2. Next, a complaint is drawn up and sent to the insurer who made a mistake in calculating the KMB. In the absence of positive results, the complaint is duplicated in the PCA and the Central Bank of Russia, then a statement of claim is submitted to the court.
3. OSAGO with and without limitation of the circle of persons admitted to management.
- 3.1. If a car is driven by a limited number of drivers, the general MTPL for concluding an OSAGO agreement is determined by the driver with the lowest insurance class. But in the automated information base of the PCA, the drivers listed in the insurance policy retain their individually assigned insurance classes with the corresponding KMB.
- 3.2. If driving is allowed to an unlimited number of persons, the insurance class is assigned to the owner of the car specified in the OSAGO contract.
- 3.3. If the owner of the vehicle changes the previous policy without limiting the number of drivers, for a new one with a limitation, and at the same time in the previous period was not the culprit of accidents, the insurance company assigns him a lowering MSC.
The use of a rating system of discounts / surcharges with the assignment of an insurance class to drivers that determines the coefficient for calculating the cost of the insurance premium when issuing OSAGO allows insurance companies to reduce their risks when working with drivers who often get into accidents due to inexperience or aggressive driving style. Experienced and accurate drivers can take advantage of the favorable insurance rate.
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