How to find out your KBM (bonus-malus class)

Find out your bonus-malus coefficient (OSAGO)

Before taking out insurance, I decided to independently calculate the cost of compulsory motor liability insurance, but the problem was that I did not understand the class and its bonus-malus coefficient (BMC). I figured it out somehow and decided to enlighten you too.

Today there are 15 classes of driver insurance, which provide for the application of an appropriate coefficient (KBM). The class is determined according to the last completed MTPL agreement.

Bonus-malus coefficient table (BMC)

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	2insurance payments	3insurance payments	4 or more insurance payments
M	2,45		M	M	M	M
	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 amount of insurance you have and the number of accidents.

If you have not previously been insured or there is no data on you in the databases, then the driver is assigned class 3. It is equal to the coefficient KBM 1, which means there are no discounts.

Example 1. Driving experience 3 years, no insurance claims. KBM class – 3, coefficient – ​​1. Example 2. Driving experience 3 years, 1 accident. KBM class – 1, coefficient – ​​1.55.

Example 3. Driving experience 10 years, 0 accidents. KBM class – 10, coefficient – ​​0.65.

If you previously had insurance, then when you take out a new insurance you will:

Example 1. 3 years of experience, no insurance claims. KBM class at the end of the annual insurance period is 4, coefficient is 0.95.

Confused? Below, you can find out your bonus-malus coefficient (BMR) online on the RSA website. To do this, you will need to enter your last name, first name, patronymic, date of birth, series and license number, and the start date of your policy.

After entering the data, the system will issue your KBM, which was indicated by the insurer.

P.S. I had an interesting story while checking the KBM. On my old license there is a good bonus-malus ratio, but on my new license it’s as if I just got behind the wheel and have no experience or experience.

Source: http://avtomirrf.ru/yznat-kbm.html

How to find out your KBM?

BMC 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 represents a discount or increase factor that is used in determining the cost of an insurance policy.

For motorists, this coefficient is of utmost importance for compulsory MTPL insurance.

Osago and KBM

The bonus-malus system works for liability insurance of car owners and drivers in most developed countries. Its concept implies encouragement - a bonus in the form of a reduction in the cost of the insurance policy for those who do not allow insured events. The downside is a fine - a malus for those who allowed such an incident to occur.

In Russia, the application of such a system was announced simultaneously with the entry into force of the law on compulsory motor liability insurance on July 1, 2003 (No. 40-FZ of April 25, 2002).

Fully automated accounting of driver ratings began operating only in 2011.

Until then, maintaining the history of insurance payments, determining the bonus-malus coefficient and calculating the cost of the policy using it were the functions of the insurance company.

On January 1, 2012, a centralized automated accounting system began operating, into which information on compulsory motor liability insurance agreements concluded in 2011 was entered.

Since the beginning of 2013, replenishing the system database has become mandatory for insurance companies working with these contracts. Insurers must transmit policyholder and contract data.

Access to the information contained in the system has been open to them since July 2014, making it 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 June 23, 2016, from January 1, 2017, individual policyholders also received access to data from the automatic system to monitor the relevance and correctness of stored information.

Thus, every citizen who enters into a compulsory motor liability insurance contract can, by visiting the website of the Russian Union of Auto Insurers (it is this organization that maintains a single database), find out what information about him is available to the insurer, and get the current value of the CBM.

How is KBM calculated?

Determining the bonus-malus ratio yourself is not difficult. When the MTPL contract is first concluded, the driver is assigned an initial 3rd class, which gives the calculations a CBM value of 1. For each year that passes without insured events, the driver is encouraged to increase the class by 1. Each such increase brings a 5% discount on insurance.

If the policyholder admits an insured event, the class is lowered and the price of the velvet increases. Moreover, this increase is more significant, the lower the current class and the greater the number of insured events.

For example, for a driver of class 3, responsible for 1 payment during the year, there will be a reduction in class to 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 class 6 and a 15% discount, but if he becomes the culprit of an accident in the fourth year, he will drop to class 4 and can only count on a 5% bonus.

For quick calculations, the sources provide a table of driver classes and their corresponding KBM, which also reflects its changes. The maximum bonus is 50% (10 years of accident-free driving or more). Particularly careless drivers will be forced to overpay 2.45 times for an OSAGO policy.

Some special rules are established when calculating the BMR when several persons are allowed to drive a vehicle.

With their number limited, when calculating insurance, the minimum bonus-malus coefficient of all is taken into account (although individual coefficients for each driver continue to be determined according to standard rules). With an unlimited range, the insurance discount depends on the owner’s BMR.

Resetting the KBM

Resetting the bonus-malus coefficient in the RCA databases occurs 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 level of discounts, the incentive coefficient will have to be accumulated from class 3 and zero discount (100% of the policy cost for insurance).

In all other cases, changes in the coefficient will correspond to the table.

There is a possibility that the BMR will be reset to zero if important information about the policyholder changes - obtaining new rights, changing the last name, etc. To prevent this from happening, he or the owner of the car must submit a corresponding application to the Investigative Committee. The insurer is obliged to reflect these changes in the database.

You can check the relevance of the information on the RSA website

How to find out a driver’s KBM using the RSA database - step-by-step instructions

1. Go to the website of the Russian Union of Auto Insurers at www.autoins.ru.
2. In the site menu, select the OSAGO item.
3. In the list that opens on the left, select the first item – “Information for policyholders and victims.”

1. From the list in the central area, select the third item “Information for policyholders required for calculating the BMI.”

1. A text message appears warning you that some personal data is required. It is impossible to obtain results 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.”

1. 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 a limitation on the number of people allowed to drive), full name. the driver and his license details, the date of conclusion of the insurance contract.

After entering the verification code, the official bonus-malus coefficient will be calculated from this data, which is mandatory for use by any insurance company.

Calculation of the cost of an MTPL policy

The site allows you not only to find out your KBM according to OSAGO. There is also a convenient policy cost calculator here.

You can use it by selecting the item “Calculation of the cost of compulsory motor liability insurance” in the left list or from other pages where the link “Compulsory motor liability insurance calculator” is available.

After entering information about the car and drivers, the cost of the insurance will be calculated, indicating the basic tariff range, and the maximum and minimum amounts of the insurance premium. There you can also see a list of all coefficients used in the calculation and their specific values.

Some useful tips

• The value of the bonus-malus coefficient obtained in the RCA database is mandatory for use by all insurers. Therefore, to resolve disagreements, it is enough to print out the results obtained on the website and present them to the insurance company when purchasing compulsory motor liability insurance.
• If the information in the RSA databases does not correspond to the actual data calculated based on the actual accident-free driving experience, it means that one or more insurers did not enter the information into the information system. You can improve the situation by contacting RSA with a claim supported by documents (it is advisable to save the policies).
• Incorrect indication by the insurer of KBM is a reason for investigation and return of overpaid funds. To do this, a claim is submitted to the insurance company, the real bonus-malus coefficient is indicated (the claim must be officially registered - its number must be indicated when sent electronically, there must be receipts for payment of postage or an SK mark on the second copy). If within the established period (the law sets aside 10 days for this), no action is taken, or the change in the BMR and the return of funds are refused, you should file a complaint against the insurer with the Bank of Russia. The complaint is supported by factual material. After reviewing and making a positive decision, the insurance company will return the overpaid funds.

Video

Source: http://autoepoch.ru/avtostraxovanie/kak-uznat-svoj-kbm.html

How to calculate the bonus-malus coefficient under OSAGO yourself?

KBM - Bonus-Malus coefficient . This value is used by insurance companies to calculate the insurance premium under the contract.

Due to the presence or absence of accidents, the BSC can be lowered or increased. Let's find out how to calculate the KBM for compulsory motor liability insurance in 2018.

The cost of an MTPL insurance policy depends on the following indicators:

• driver age;
• driving experience;
• accident-free driving indicator, takes into account insurance history (KBM);
• characteristics of the insured vehicle (KM-engine power factor);
• region of operation (CT-territorial coefficient);
• coefficient of gross violations (CN);
• from the general terms of the contract;
• the presence or absence of a trailer or restrictions.

Video: How to calculate a discount for accident-free driving of KBM

Let's find out how to calculate the KBM and the MTPL discount using a table.

Table and its correct use

Motorist class	KBM	Class and insured events that occurred during the validity of the MTPL policy
There were no payments	1 payment	2	3	4 or more
M	2,45		M	M	M	M
	2,3	1
1	1,55	2
2	1,4	3	1
3	1	4	1
4	0,95	5	2	1
5	0,9	6	3	1
6	0,85	7	4	2
7	0,8	8	4	2
8	0,75	9	5	2
9	0,7	10	5	2	1
10	0,65	11	6	3	1
11	0,6	12	6	3	1
12	0,55	13	6	3	1
13	0,5	13	7	3	1

1. The left column shows the driver's class. For all drivers who enter into an OSAGO contract for the first time, the third class is typical, the KBM class will be equal to 1.
2. Then they determine the number of insurance cases during the validity of previous insurance contracts in which the driver was found guilty. Beginners do not have such cases, so the number “0” is needed.
3. The column indicating the number of losses is necessary to determine the class for the following year. For beginners class 4.
4. Class four corresponds to a KBM value of 0.95.

Let's look at examples of how to calculate the KBM yourself according to compulsory motor liability insurance.

Examples

Let's look at two examples . In the first, the driver drove for a year without accidents, in the second, the driver had accidents. Let's start with the first example.

Let’s assume that at the time of concluding the insurance contract, the motorist was assigned class 9 KBM. Those. 30% discount on the basic insurance rate. This means that the motorist has already used the services of an insurance company, and every year he received a 5% discount more for accident-free driving.

A year later, the same driver began processing a new insurance contract. There were no accidents. From grade 9 we move down the table column, the insurance agent looks at the new grade. The driver receives class 10, the discount is 35% (value 0.65).

Let's consider another example in which the same driver (class 9) had 3 accidents . From class 9 we move along the table to the right, to the value where 3 payments are indicated. And we get class 1, and the increasing factor is 1.55. This means that the driver will have to pay an increased cost.

To determine your discount yourself:

• you need to start the calculation from the line that contains the third class;
• after each accident-free year, you can go down one line;
• for each year with accidents, you need to go to the line that corresponds to the number of insurance payments;
• if a motorist has not had insurance for a year, his class is three;
• if the policy is open (unlimited number of drivers), the coefficient changes only for the car owner.

Conditions for applying the coefficient

1. The coefficient must be used when extending, amending, or executing an MTPL agreement for a year.
2. To determine how to calculate the Bonus-Malus ratio, insurance payments for one event are taken as one insurance payment.

3. All information about past MTPL contracts required to determine the class of a motorist is obtained from insurance data provided by the insured or based on information available to the insurance company.

4. If the possibility of driving a vehicle without restrictions is provided, the class of the motorist is determined based on information about the owner of the car specified in the policy and the class determined when concluding the previous contract. The class is assigned to the owner of the vehicle noted in the insurance.

   If there is no information about the owner of the car, the owner will receive class 3.

5. If there are driving restrictions under the contract (only persons specified by the policyholder in the contract are allowed to drive), the class is determined based on information for each motorist specified in the contract. Each driver has his own class.

6. If information about motorists is provided under several contracts at once, the class is determined based on the total amount of payments made, contained in the data on previous insurance contracts that were in force a year ago before the registration of this contract.

7. For capped insurance contracts, insurance rates are calculated using the highest BMR among the drivers included in the insurance.
8. To determine the class, information on insurance contracts valid for no more than one year from the date of conclusion of the new contract is taken into account.

If there is a limit on the number of drivers, the coefficient is determined based on information for each driver:

• insurance company employees determine the CBM based on the motorist with the worst class;
• the discount is given to the person, not the vehicle;
• the coefficient increases only for the driver at fault in the accident.

The coefficient is not used (or is equal to one):

• transit insurance;
• insurance of a vehicle registered in another state.

The table provides the theoretical value of the coefficient. In reality, its value may be higher, since insurers do not always include the KBM in the PCA database, which all insurance companies must rely on.

This is done to get more money. And a motorist who is poorly versed in insurance claims can easily get caught and pay more than required.

The discount is checked quite quickly independently through the RSA database . This is very important because insurance companies sometimes do not enter the ratio into the PCA database in order to obtain a higher profit for the same insurance policy.

The Russian Union of Auto Insurers is a non-profit corporate organization that represents a single all-Russian professional association.

It is based on the principle of compulsory membership of insurers who provide compulsory civil liability insurance for vehicle owners. The status of the association is fixed by law. The structure includes 71 insurance companies .

You will need the following information:

• FULL NAME;
• Date of Birth;
• details of an identity document, or full name and date of birth of a person who is allowed to drive a car;
• driver's license information.

A check mark confirms consent to the processing of personal data and verification is carried out.

If the final figure coincides with the value you calculated theoretically, that’s how it should be. If, after checking the value in the PCA, an incorrect result is obtained, the KBM should be restored.

The RSA database provides the most complete information . You can determine where the coefficient value came from and what policy number was used in the calculation.

When concluding an MTPL agreement, the insurance company must use AIS information about previous insurance periods to confirm the validity of the application of the CBM.

Using the database, you can also check the validity of the coefficient used by the company in relation to the driver specified in the policy. The system contains data on drivers from the beginning of 2011.

The class of a motorist in the PCA system can only be changed by representatives of the insurance company. Base employees do not change AIS data. Any adjustments are made by employees of the insurance company.

Since 2014, companies must transfer information about MTPL agreements to the database within 24 hours from the minute the agreement is signed.

Restoration of KBM in RSA

First you need to find out when the error was made in calculating the KBM . The coefficient is not indicated in the policy itself, so previous policies should be recalculated.

Don't throw away old insurance policies. They will be needed to recalculate the correct value.

Insurance rates change every year . The price of the insurance policy must be verified every year. If you have been doing this all the time, there is probably an error in the previous policy.

Reasons for the error:

• the information in the database has not been corrected, there is a record with information on the old policy;
• employees made an error when entering;
• if the company went bankrupt or was liquidated, employees might not report information about the PCA system.

If the previous insurance company made a mistake, you need to contact them . If it is liquidated, the coefficient cannot be restored, since other insurance companies do not correct the mistakes of their colleagues.

If ordinary employees refuse to admit their mistakes, contact the company's head office, file a complaint, send it by registered mail or in person. If you submit it in person, request that a note be placed on the copy of the complaint indicating that it has been accepted for consideration.

The document should describe in detail the circumstances confirming the incorrect application of the coefficient. Indicate the employee's name, time, insurance policy number.

You have the right to request a written settlement . You can also mention that you are going to send a complaint against the company to the authorities exercising control over financial settlements. If there are no results, contact the Federal Financial Markets Service.

Other useful information about the coefficient

If one of the drivers included in the insurance has changed their driver's license, you must immediately notify the insurance company . This applies to changes to any other information in documents.

If for some reason the insurance company does not receive information about an accident, drivers begin to cheat and keep silent about their accidents. When calculating, inaccurate information will immediately be detected in the RSA database.

The insurance company has the right to impose penalties for providing false information. The fine is 1.5 coefficient, the cost of insurance will be increased.

A motorist cannot escape sanctions even when he decides to change insurer.

Nuances:

• CPR is not used for passenger vehicles;
• KM is used only for passenger vehicles;
• KP is not used for cars that were registered in the Russian Federation.

There are also other features . For this reason, it is always faster and easier to use any of the online policy cost calculators on various websites if you do not trust the employees of your insurance company.

You will be interested in:

Source: http://pravo-auto.com/kak-rasschitat-kbm-po-osago/

KBM bonus-malus coefficient when purchasing OSAGO

Good afternoon, dear reader.

In this article we will talk about the so-called bonus-malus coefficient (abbreviated KBM), which is used when calculating the cost of an MTPL insurance policy.

KBM coefficient allows the driver to receive a discount for accident-free driving. At the same time, every year of accident-free driving increases the driver’s discount and reduces the cost of compulsory motor insurance.

From this article you will learn:

Let's get started.

KBM table in 2018

In 2018, the following table is used to calculate the BMR:

Driver class	KBM	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 refunds	1 compensation	2 refunds	3 refunds	More than 3 refunds
M	2,45		M	M	M	M
	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

Why is KBM needed?

The bonus-malus coefficient is necessary in order to correctly calculate the cost of an MTPL insurance policy. driver class is used together with KBM .

Each driver class has a certain bonus-malus coefficient. By default, a driver purchasing compulsory motor liability insurance for the first time receives class 3 and CBM equal to 1.

Subsequently, the coefficient is calculated according to the table above:

• If a driver does not cause any traffic accidents during the year, then his class increases by 1, and the KBM coefficient decreases.
• If, due to the driver’s fault, one or more accidents occurred, for which the insurance company made payments to other participants in the incident, then the driver’s class is reduced, and the cost of compulsory motor liability insurance for the next year increases.

The final cost of MTPL depends not only on the CBM and you can find it out using the MTPL calculator.

How to calculate KBM?

find out the KBM of any driver using the table above:

1. Start the calculation with the row containing class 3 (highlighted in red).
2. Every accident-free year, go down one line.
3. Each accident year, move to the line corresponding to the number of insurance claims.
4. If the driver has not been registered with OSAGO for a year, then his class becomes 3.
5. When using an open OSAGO policy (with an unlimited number of drivers), the KBM changes only for the car owner. All other drivers are considered not included in the MTPL.

Please note that the table allows you to obtain the theoretical value of the BMR. In practice, the value of the BMC can often be higher than in the theoretical calculation.

The fact is that cunning insurers may deliberately not enter CBM into the PCA database in order to get more money for the same insurance policy.

At the same time, drivers who are poorly versed in the topic and have not previously calculated the cost of compulsory motor liability insurance easily fall for the manager’s bait.

I would like to note that when purchasing compulsory motor liability insurance, the cost of the insurance policy was incorrectly calculated in every second case . If we consider each of the cases separately, it seems that the manager just made an accidental mistake. However, in practice such deception appears to be systematic.

Check the KBM using the RSA database

Several years ago, insurers kept the values ​​of KBM coefficients in their own archives, so when moving to a new insurance company, the driver had to take a special certificate from the previous insurer. Currently, all KBM coefficients are stored in the centralized database of the Russian Union of Auto Insurers (RUA).

At the same time, any driver can check the KBM on the official RSA website. To do this, go to the next page.

Enter the driver's last name, first name and patronymic, his date of birth, as well as the series and number of the driver's license. If the ID series contains letters, they should be entered in English.

Enter the date from which you plan to enter into an MTPL agreement. You can enter the current date in the field. After that, enter the verification code and click the “Search” button.

After this, you will be taken to a page where the real value of the BMR contained in the RSA database will be indicated:

If the resulting figure coincides with the value calculated theoretically, then everything is in order. If checking the KBM discount in the RSA gave the wrong result, then you will have to start restoring the KBM.

How to restore KBM in the RSA database

1. First of all, you need to find out at what point an error was made in the KBM coefficient. To do this, take all the insurance policies you have or copies thereof and start looking.

Unfortunately, the coefficient is not indicated in the policy itself. Therefore, you will have to manually recalculate the cost of each policy.

Please note that insurance rates change from time to time.

Therefore, when calculating the cost of the policy for previous years, you should use the version of the Bank of Russia Directive “On the maximum amounts of base rates of insurance tariffs and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium for compulsory civil liability insurance of vehicle owners funds”, or insurance rates for compulsory civil liability insurance of vehicle owners, valid at the time of concluding each of the contracts.

Start with your last year.

I recommend checking the cost of your insurance policy against the results of the calculator annually. If you regularly did this, then the error will be found in the most recent policy, i.e. in action.

If you have not checked the cost of compulsory motor liability insurance, then the error may be in any of the policies. There may be several errors.

2. To restore the KBM, you need to contact the insurance company , which made an error in the calculation.

For example, if your current policy was purchased from Rosgosstrakh, and the wrong coefficient was entered into the RSA database, then you need to contact Rosgosstrakh. If the error is confirmed, they will make changes to the database. In practice, this takes 2-3 days.

The situation is more complicated if the error was not made in the last policy. In this case, you will have to contact the company where the policy was concluded with an error.

For example, if the cost of an insurance policy purchased in 2012 is calculated incorrectly, then you need to contact the company where you were insured in 2012. Only they can correct their own mistake.

3. RSA (Russian Union of Auto Insurers) states that it cannot make changes to the database. Therefore, it makes no sense to turn to them in practice.

Unfortunately, sometimes a driver may encounter the following unpleasant situation. An insurance company that made a mistake several years ago may simply not exist in 2018. This is due to the fact that from time to time insurers go bankrupt or are liquidated for other reasons.

In this case, it will not be possible to restore the bonus-malus coefficient in the database. Other insurers will not do this, and RSA cannot do this.

In this regard, I recommend regularly checking the correctness of the KBM coefficient using the RSA database. Moreover, this is quite easy to do.

How to preserve the KBM in the event of an accident

KBM is one of the few coefficients that allows you to save on the cost of compulsory motor liability insurance.

Therefore, if a minor accident occurs due to the driver’s fault, then the driver’s desire not to lose the discount accumulated over years of accident-free driving is quite obvious.

So that you can better understand how much a driver will lose due to an insurance payment, let’s look at an example. Ivan Ivanovich has been driving a car for 10 years and has not been the culprit of any traffic accidents. Its class is 13, and its BMR is 0.5. Ivan Ivanovich lives in Moscow and drives a Renault Logan (75 hp).

The cost of the insurance policy before an accident: 4530 rubles .
The cost of compulsory motor liability insurance after an accident: 7248 rubles .

Even when purchasing one MTPL policy, the difference will be noticeable (7248 – 4530 = 2718 rubles). However, this is not all. A single accident affects the cost of the insurance policy over the next 6 years. Let's do one more calculation.

The cost of compulsory motor liability insurance for the next 6 years, if the accident had not occurred:
4530 * 6 = 27,180 rubles.

The cost of compulsory motor liability insurance for the next 6 years, taking into account road accidents:
7248 + 6795 + 6342 + 5889 + 5436 + 4983 = 36,693 rubles.

Those. 9,513 rubles on compulsory motor liability insurance . Please note that the example uses a car with a relatively low engine power of 75 hp. If the car has a higher power engine, then the cost of compulsory motor insurance may increase more significantly.

So, how can you preserve your vehicle in the event of an accident ? Everything is quite simple. Currently, drivers can quite officially figure it out on the spot.

For example, if you scratched the mirror of another car, then offer the driver 1000 - 2000 rubles for repairs. If he agrees, you will be able to save on the cost of your MTPL insurance policy. In addition, you will not have to fill out documents for insurance, or provide the car for inspection of damage.

Naturally, such savings only make sense if the damage is insignificant. If the cars are heavily damaged, then it will be cheaper to pay for compulsory motor liability insurance in the future.

At the end of this article, I want to emphasize once again that insurance companies very often make mistakes when entering KBM into the RSA database. Therefore, check your KBM, and if necessary, contact your insurance company to correct the error.

Good luck on the roads!

Source: https://pddmaster.ru/interest/koefficient-bonus-malus-kbm-pri-pokupke-osago.html

KBM according to the RSA database - check KBM OSAGO online according to the RSA database, find out the bonus malus coefficient

Instructions for calculating KBM:

1. Selecting the object of inspection (driver, owner).
2. Enter all data (full name, length of service, date of birth, series and driver’s license number).
3. Click on the “add driver” button (if necessary).
4. The final action is the “Check” button.

Calculate OSAGO and KBM online:

Checking and restoring the bonus-malus coefficient

Amendments to the basic MTPL tariff have a significant impact on the cost of the policy. On the website of our agency “Element” you can check the KBM online using the RSA database yourself.

For these purposes, a special application is available on the web page, which allows you to find out the mentioned coefficient.

This can be done not only by users living in Moscow, but also from any region in our country.

What is KBM and its impact on the cost of the policy

Our agency acts as an intermediary between car insurers and drivers or vehicle owners. We conclude contracts on behalf of insurance companies.

The abbreviation KBM stands for bonus-malus coefficient. Its value, in fact, determines the size of the markup or discount for the presence or absence of an accident for a specific traffic participant.

This indicator is mandatory when taking out an insurance policy.

A special application installed on the agency’s official website provides the ability to check the KBM using the RSA database online independently and quickly.

This software has an intuitive algorithm of use that allows you to complete all procedures without the involvement of specialists. Our agency employees, however, are ready to help in this matter completely free of charge.

You can also find out your bonus malus coefficient yourself by calculating it using the KBM table below.

KBM table for 2018

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 or more insurance payments

M	2,45		M	M	M	M
	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

Composition of information and procedure for checking KBM

Each driver can calculate the bonus-malus coefficient independently and compare it with the value recorded in the database of the Russian Insurance Association. An online check of the KBM using the RSA database is carried out only if data about the driver or owner of the car is available. This is done as follows:

• In the number of drivers column, mark the desired value, maximum four.
• Indicate the date of inspection. To issue the next MTPL policy, the value of the amendment on the next day after the completion of the previous contract is accepted.
• Enter your passport details.
• Enter the driver's license details.

You must enter information into the form very carefully. Accurate implementation of the listed actions allows you to reliably find out the CBM and compare it with the calculated one. The coefficient will be needed when applying for an MTPL policy using our agency’s online service.

Restoring the correction factor

For long-term accident-free driving and the absence of insurance payments under the contract, the driver at the beginning of the next year is promoted in class from initial M to 13.

In this case, the coefficient value decreases from a maximum of 2.45 to a minimum of 0.5. This significantly affects the cost of the policy.

In some cases, a KBM check shows that the information was not entered into the database by the agent, and the policyholder remains in the same position.

If this happens, you must write a letter to the RSA and attach a copy of the agreement to it. The operator will make corrections to the system, after which you will need to check the Malus OSAGO bonus and make sure of this. If an error is identified, the road user has the right to a refund of the difference in the cost of policies for which calculations were made using incorrect data.

Source: https://elemins.ru/kalkulyator/kbm