Complaint against KBM

Types of KBM according to OSAGO

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There are three types of KBM coefficient:

Driver's KBM, which is calculated individually for him;
Owner's KBM, which is calculated for the owner of the car;
The calculated KBM is the one that is obtained in the final result.

Grounds for filing a claim

The term KBM means a discount for the driver for accident-free driving or an increasing coefficient for accidents while driving, which is valid during the period when the insurance contract is valid.

In what situations does it become necessary to apply for restoration of the coefficient for accident-free driving?

Please note! Typically, such cases arise under the following circumstances:

Deliberate actions of an insurance company specialist - many insurance companies deliberately do not apply the bonus-malus coefficient, expecting to receive a large sum of money from the policyholder for concluding a contract.
Making changes to a citizen’s personal data - along with the point mentioned above, an incorrect coefficient may be reflected directly in the RSA database. In this case, it should be taken into account that the KBM in the unified RSA database is recorded according to the personal data and driver’s license number of the citizen. If the driver changes his license or last name, the old BMR does not apply to the updated data of the policyholder, and he needs to file a complaint with the insurance company in order to reissue the discount using the new personal data. Today, many people do not know that any changes must be reported to the insurance company; as a result, citizens are issued a new OSAGO policy, for which previous discounts do not apply.
An error made by the insurer - KBM may disappear for the reason that the insurance company did not transmit information to the RSA or simply stopped issuing OSAGO policies; accordingly, such a company does not transfer the data to the RSA.

It doesn’t matter what was the basis for not applying the coefficient for accident-free driving, in any situation you need to submit an application requesting the restoration of the previous data on the KBM.

Watch the video. Reduced bonus-malus and new tricks of insurers:

Reasons for a complaint against KBM under compulsory motor liability insurance

Sometimes insurance companies charge drivers more money than they should. There may be several reasons for this:

The insurer does not take into account bonus-malus at all, so it obliges the client to pay compulsory motor insurance at the standard price, although the client can definitely count on a discount;
The insurer does not take into account the KBM in full. For example, a client may receive a 15% discount, but he is only given 5%.

Info

The driver can independently calculate the bonus-malus coefficient and check whether there is an error in calculating the cost of the policy. If a motorist discovers an error, he should contact the insurance company with which he entered into an agreement with a statement. In this application, the client has the right to demand that the insurer return part of the paid cost.

What documents will be required?

To restore the coefficient for accident-free driving, it is necessary to fill out an application for the restoration of KBM, and also attach to it a list of necessary documentation, on the basis of which a decision can be made on insurance and the level of accidents of the insured.

The list of required documents includes:

Driver's license.
Identification document of the complainant.
Previous MTPL policies.
Copies of the DL of all citizens who are included in the policy.
Certificates from the insurance company confirming the absence of payments.
A certificate from the traffic police confirming that the driver is accident-free for the period of interest.

Thanks to the papers listed above, the citizen receives the right to demand the return of the previously established coefficient and can confirm that he has reasons for this.

Important! In order to receive a positive decision on the complaint, the driver must prepare in advance photocopies of the required documents or scans of them. You can submit an application for reinstatement of the CBM in person or online.

Complaint against KBM under compulsory motor liability insurance to an insurance company

If the complaint is addressed to the insurance company, then it can be drawn up arbitrarily:

Full name of the applicant, his passport details and address;
Information about his vehicle;
Date of contact with the insurance company;
The date of signing the insurance contract, as well as the MTPL policy number;
Calculation of the cost of the policy made by the client;
The amount that the insurance company must return to the client;
Links to legal norms.

Insurance companies also have special complaint forms that can be obtained and filled out by contacting the company itself.

A complaint can be sent to the insurance company as follows:

By registered mail;
By contacting the company office in person. In this case, the client must have two copies of the complaint. One remains in the office, and on the second the receiving person puts his signature, the date of acceptance and gives it back to the client;
From the official website of the insurance company via feedback or email.

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The insurance company reviews customer applications within 5-10 days.

What it is?

The bonus malus coefficient (BMC) is a system that takes into account a number of factors and reflects this in a simplified form, that is, in the form of numbers. This coefficient adjusts the contribution amount in the future, increasing or decreasing it. In order to understand exactly how it affects the final cost of the policy, let’s consider the factors on which the CBM is based.

The total amount can vary over a fairly wide range. So, KBM can increase it by 2.5 times or reduce it almost by half. It ranges from 0.5 to 2.45. This is a very significant difference. The coefficient largely depends on the driver’s class, which is assigned to him upon receipt of his license and may change over time. What is the maximum KBM and how can you get it, read here.

If a person has just received his license, then he is assigned class M , which corresponds to KBM = 2.45. What is this connected with? The adjustment of the class and, accordingly, the malus bonus itself is influenced by the fact whether the driver had any insurance cases, how many times he applied for compensation, and this data is taken for the validity period of the last insurance contract.

In order to calculate your bonus malus for compulsory motor liability insurance, you need to know only two criteria - the driver’s class and the number of insured events. If you do not have any data, you can find out from the insurer with whom you entered into an MTPL agreement the last time. In addition, there are other available methods to find out your bonus malus. RSA has developed a special website with which you can easily calculate your data yourself.

In order to calculate how much of the contribution should come on behalf of the policyholder, you need to do the following:

Go to the website https://www.autoins.ru/ru/osago/ and select “Calculation of the cost of OSAGO” in the column on the left.
After this, you choose on behalf of which person the payment will be made - an individual or a legal entity.
Place a check in the appropriate box to select the place of registration of the car - registered in a foreign country or going to the place of registration.
If the vehicle has a trailer, then check the appropriate box.
Select the vehicle type.
Determine the power range of the car engine.
Set the term of the contract.
Car service life.
Class.
Region of its operation.
Area.
City.
Locality.
Indicate whether there are gross violations of the terms and conditions of car insurance.
Indicate the number of drivers who are allowed to drive this vehicle, their experience and age.
After this, the table below will indicate the coefficients for various factors for your case.
The contribution amount will be indicated below.

If you doubt that your malus bonus has been calculated correctly, you can check it using any available method (how to check using the AIS RSA database?). If, nevertheless, there is an inaccuracy or an unreasonable overestimation of this coefficient, then the driver has the right to file a complaint to revise the data .

The table of KBM values can be found here.

Drawing up a complaint against compulsory motor liability insurance in the RSA

Complaints to the RSA are accepted only on a special form, which can be downloaded from the official website of the RSA.

You also need to remember that you must include information such as:

Full name of the applicant;
Date of Birth;
Driver's license number and a photocopy of it.

The complaint will be rejected if the applicant does not attach a copy of his driver's license.

In addition to the specified data, the text of the complaint must contain the following information:

Name of the insurance company;
Number and date of contacting the insurance company about disagreement with the applied BMR;
Numbers of the current and previous MTPL policy;
The essence of the appeal is to clearly describe what the applicant disagrees with and why. You can also provide links to regulations;
Date and signature.

You can submit a complaint to the RSA as follows:

Personally. For example, in Moscow this can be done at the address: st. Lyusinovskaya, 27, building 3, 115093 during reception hours: Tuesday: from 15:00 to 18:00;
Thursday: from 9:00 to 12:00;

By sending a scanned copy of the complaint to the RSA email address: .

Important

And if you have any additional questions, you can contact the RSA by calling the toll-free hotline: 8-800-200-22-75 (for regional residents) and (for Moscow residents).

Compilation rules

An incorrectly drafted complaint against KBM under compulsory motor liability insurance will not be accepted by employees of the Russian Union of Auto Insurers, so its preparation should be treated with special care.

When filing a complaint against KBM under compulsory motor liability insurance, you can use one of the following ways to fill it out:

Find a blank complaint form online and print it out. After this, fill in the necessary lines with a black pen, and then take it to the RSA;
Download a blank complaint form, fill it out in electronic format, then print it and take it to the RSA;

A sample KBM complaint regarding compulsory motor liability insurance can be downloaded below or obtained by directly contacting the RSA. When filling out an application form for an insurance company, you will need to provide the following information:

Full name (full);
Place of permanent registration (or place of actual residence);

You need to indicate: city, street, house, city code;

Contact information (mobile phone number, email);
Driver's license details: number, series, date of receipt;
Passport details of the applicant: last name, first name, patronymic, series and number, place and date of issue, marital status, place of permanent residence;
Details of the insurance contract: number of the contract for the conclusion of the insurance policy, number of the insurance policy itself;
The narrative part must contain the essence of the appeal to the RSA;
In the final part, the date of submission of the application is stated (it is better to put it down directly on the day of application), and the applicant’s personal signature is also placed;

Can KBM disappear from the RSA database?

Indeed, for a number of reasons, KBM may disappear from the RSA database:

If the motorist has changed his driver's license;
If the driver has changed his last name;
If the insurer did not provide data to the RSA at the end of the year;
If an error was made in personal data when applying for a policy;
If the insurance company closes.

Once the cause is identified, restoring the KBM becomes simple. It is enough to contact the insurance company or RSA, where the motorist will be told what to do.

How to correctly draw up an application for restoration of the KBM

First of all, it is necessary to establish why the KBM was lost. After this, you should make a written complaint with a request to restore the discount for accident-free driving.

The text of the appeal must contain:

Full name of the organization to which the complaint is being sent.
Applicant details (full name, place of residence, telephone number).
Please make changes to the KBM in the database.
Information about the insurance policy (series, number).
For what reason is it necessary to make changes to the CBM (for example, provide a certificate received from the insurance company, a previously concluded insurance agreement, etc.).
List of documentation confirming the circumstances stated in the complaint.
The date of preparation of the document and the signature of the complainant.

Attention! Our qualified lawyers will assist you free of charge and around the clock on any issues. Find out more here.

Check KBM

Before filing a complaint with Rosgosstrakh, it is advisable to find out why and when the coefficient changed. Most often the reason is:

your own forgetfulness - you forgot to notify the insurer about replacing your driver’s license;
liquidation of the company that previously insured the car (employees did not send data to the AIS on time);
Incorrect filling of your personal data by an RGS employee.

To make sure you are correct, go here to check the result. After filling out the form, click on “Search”.

The appearance of the table will change. Fill in all the fields. Try not to make mistakes.

Photos must be prepared in advance. It is advisable to photograph several policies over 3-4 years. If they are not saved, you can only file a complaint when you visit the office.

Try to state the reason for your request in detail. After entering the characters from the picture, check the box next to “I agree...” and click on “Submit”.

The answer should come within a month. If it is not there, submit an application to the RSA or the Bank of Russia, or go to court.

Time frame for consideration of the appeal on its merits

The insurer is obliged to consider a complaint regarding KBM within thirty days. The response is sent to the applicant by mail or to the email address specified in the document.

Note! An application sent to the RSA is usually considered within 10-15 days. The presence of changes can be tracked on the RSA website in the section “OSAGO: Information of policyholders and victims.”

To find out the status of consideration of your application, provide your personal data and information about the VU.

Contact Rospotrebnadzor. The complaint must also be considered within thirty days. If there are grounds for its extension, the applicant is duly notified about this. An application in electronic form is accepted for consideration within three days after it is sent.

The Central Bank considers appeals regarding the CBM under compulsory motor liability insurance within ten days.