Calculation of OSAGO under a driver’s license. How to find out your KBM
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 (MSC). 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 the CBM 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 receives a 5% discount, while total size the discount does not reach the maximum value of 50%, which corresponds to the value of KBM \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, the driver automatically receives the initial 3 class (KBM \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 insured events that occurred during the validity period of the last CTP insurance contract. The source class can be found in your insurance company or on your own using one of the following methods kBM checks.
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 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 last 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 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. I.e new car 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 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 overpriced. 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 has already been 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, the KBM 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 policyholders prefer to contact Central bankConsidering 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 contact the Central Bank, you need to go to the Internet reception office on the complaints page and select the item “Incorrect use of KBM (discounts for accident-free driving) when concluding an agreement”. Next you need to 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.
Video instruction on how to return a KBM for CTP
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 insured events that occurred during the period of validity of previous compulsory insurance contracts | ||||
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.
The coefficient bonus-malus (MSC) 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 tick off the 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 in calculating 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.
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 policies and electronic policies XXX series purchased online! Usually, electronic insurance It gets to 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) . Definitely the “bad statuses” of the MTPL policy is “lost force” (why it has lost 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.
On the site you can check MSC driver on the basis of 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 a series of a driver’s license, not case sensitive;
- 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. To correctly check the KBM, correctly determine kBM class OSAGO, it is required to indicate in the AIS request a date 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 in 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.