Restoration of KBM and refund of the MTPL discount on the RSA website

Restoring KBM after replacing rights

Having exchanged their license, most drivers carelessly get behind the wheel and forget about making amendments to the MTPL policy.
And then you have to rack your brains about how to return the KBM after replacing your driver’s license, because it is often reset to zero. This happens due to the fact that the insurer was not promptly notified of its client’s new DP and did not transmit the information to the RSA.

As a result, the next time you insure, it is discovered that the bonus-malus coefficient has disappeared (became equal to 1), and the cost of insurance has increased significantly.

What to do if you replaced your license and the KBM under OSAGO disappeared

First, you need to find out why the KBM is lost when replacing a driver’s license. Having discovered an error on the part of the Russian Union of Auto Insurers, it can be easily restored.

htm and check:

You will need a driver's license and a valid MTPL policy. You will need to enter your full name and date of birth, the series and license number for which the KBM was lost after replacement, then click the “check” button and look at the result:

Here the BMF is 0.6. This means that when calculating the cost of compulsory motor liability insurance, its base price will be multiplied by 0.6.

If, according to the new license, the BMC is 1 after the replacement, make the request again, but using the number of the old driver's license (its information is indicated on the back side).

If the coefficient is less than one, it must be returned for a new device. There are several ways to do this.

Where to contact

To restore the KBM when replacing rights, you can use 3 different methods, but it is recommended to start with the first:

Insurance company that issued the MTPL policy

This is the first instance where you need to file a complaint about the restoration of the KBM after replacing the VU. The review period cannot exceed 30 days.

You can visit the insurance company in person, taking with you the license that you changed, your passport and the MTPL policy, but it is more effective to make an appeal using the insurance website, finding the section for filing complaints about an incorrect CBM. For example, on the Rosgosstrakh website you need to find a feedback link:

To fill out all the fields you will need a driver’s license, a valid compulsory motor liability insurance and a vehicle title. They should be photographed and additionally uploaded to the website. The text of the appeal may be as follows:

“Hello, after changing my license, my KBM has changed, please carry out the investigation and assign me the correct coefficient.”

A response with a decision should be received within a month. The letter will indicate the assigned driver class, which will be linked to the new driver's license.

Russian Union of Motor Insurers

By going to the “Contact the RSA” section, you can find the KBM application form and send it by email.

There you will need to enter information about your driver’s license, MTPL policy and passport and attach a scan of them. But the whole site is replete with the message that you first need to contact the insurance company and, after replacing your license, return the KBM there.

This method is best left to the heavy guns if your insurer's response doesn't live up to expectations.

Central Bank

Here you will be given an answer about the assigned KBM within 10 days. It turns out that after replacing the rights, the fastest way is to return or restore it through the Central Bank of the Russian Federation. Having opened the website of the Central Bank of the Russian Federation, you need to find a tab with information about compulsory motor liability insurance and the incorrect application of the CBM.

The navigation there is so confusing that finding this section is not so easy, so we have attached the link: https://www.cbr.ru/Reception/Message/Register.

There you need to fill out the proposed forms, attach photos or scans of the required documents and send a complaint.

Conclusion

In these simple ways you can restore the KBM after replacing rights. To get rid of these difficulties, it is better to make timely changes to the MTPL policy. We hope that the information was useful to you and you will be able to return the due discount under OSAGO easily and naturally.

Please note that if insurance with an inflated CBM coefficient has already been purchased, you will be able to return the excess paid insurance premium.

You will need a printed response from the authority you contacted, with recalculation, a valid policy, a driver's license and a bank account for a refund. When you bring your documents to the insurer, you will be given a return application form.

After submitting the application and the above documents, the money will be transferred to the specified account. It won't take more than 2 weeks.

How changes are made to OSAGO insurance when a driver replaces a driver’s license

The OSAGO motor insurance document assumes that in the event of an accident, it is the insurance company that bears the costs associated with vehicle repairs. Moreover, the policy owner is obliged to notify insurers as soon as possible in the event of a change of driver’s license for one reason or another. This is extremely important for vehicle owners to remember, because if an insured event occurs and the compulsory motor liability insurance policy contains outdated numbers and series, the insurance company has every reason to refuse to cover the costs.

If the driver has replaced his license, he does not have to renew the contract, but he must notify the insurers as quickly as possible . This will allow specialists to make changes to the MTPL policy and make special notes in the database, which is used, including by traffic police officers. The new data will allow the driver to avoid problems after replacing his license.

Checking KBM on the RSA website

How to restore the KBM in the RSA database and get a discount on MTPL
Let’s find out where you can find out the size of your KBM:

RSA regulates the cost of the MTPL insurance policy. This organization has a special database where information about all car owners is stored.

We follow the following algorithm:

Prepare the driver's licenses and passports of those who will be subject to verification (these are all drivers who are planned to be included in the policy, and yourself). The check will need to be carried out as many times as drivers are included in the insurance.
In the column “driver” Fr. We also note here that there are driving restrictions.
For each driver you will need to fill out in order:
Date of Birth;
series, driver's license number. We have already written that when changing a driver’s license, the online KBM may not be reflected, as well as when changing the last name, other personal data of the owner of the license. If you have ever changed your driver's license, indicate the number and series of the previous one (this information should be indicated on the new license in the “special notes” section);
In the column “start date/addition of driver” you need to indicate:
the date from which the new policy will be valid - if at the time of filling out there is no valid insurance (it has expired or was not issued at all). This date is indicated at the discretion of the driver, at his request.
After entering the data, you need to enter a verification code (captcha). As a result, we obtain information in the form of a table, above which the current KBM is indicated.
The resulting KBM value can be used for calculations in the OSAGO calculator.

If you plan to issue a policy without limiting the number of other drivers, then after filling out the “vehicle owner” window, you need to click on the “no limit” value. Additionally, you will need to enter the vehicle's VIN.

Since this type of policy is tied only to the owner of the vehicle, if there is no insurance for more than a year, the OSAGO coefficient will be minimal and it can only be increased with further accident-free operation of the car.

Recovery procedure

If a bonus discount is reset, the first thing that is required from the driver is to clarify the reason. If the facts are already known, and this is precisely a replacement of rights, then you need to clarify your coefficient, which was calculated before the replacement of the certificate and is currently.

Complaints are dealt with only after documentation has been prepared, which must include copies of:

passports;
driver's license.

The complaint is initiated due to the zeroing of the bonus discount, due to which the insurance becomes very expensive.
Regardless of how exactly the complaint is filed, the main thing is the specificity of the data presented. In the case when the driver goes to the company office, his complaint must be registered. If this is not carried out, then the person has the right to demand an entry in the journal. Based on the results of consideration of the application, the person receives his money back, but at this stage the process is not completed. You also need to submit documents for recalculation and refund of the overpayment if this happened while changing your driver’s license. The first complaint is considered within 30 days, and the refund is processed within 2 weeks.

If a person receives a refusal to restore the bonus, then all documents that were used as evidence will need to be reviewed. If the driver is sure that all changes have been made correctly, the forms are filled out correctly and there is the necessary list of documentation, then the issue is resolved in court. The defendant will be a representative of the insurance company.

Having received positive results in resolving the issue, the driver will be able to restore the discount and his coefficient, and all data is changed in the RSA database. Updated information is entered by insurance company personnel.

The procedure for restoring a driver's license after losing it

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How can I return my bonus malus for free after I have changed my VU?

What to do if, after you replaced the driver’s license, the MTPL discount disappeared? It is not difficult to restore the accumulated coefficient. To do this, it is necessary to establish from what moment the KBM was reset. This fact is tied to the moment of cancellation of old rights. Then you need to create an electronic request and send it to your insurer. The answers received must be saved.

If the company has been liquidated, you should contact the RSA or the Central Bank of the Russian Federation . If the request is ignored or a negative response is received, the policyholder has the right to file a claim in court.

The interested person must attach to his application documentation confirming the presence of the coefficient in the past.

Where to contact and in what case: insurance, RSA, Central Bank

The initiator has the right to independently decide where to apply for restoration of the KBM. Organizations competent to resolve issues of this nature include:

Insurance companies;
Russian Union of Auto Insurers;
Central Bank of the Russian Federation.

You can send a request:

by mail;
through the Internet;
transfer through your legal representative;
present in person.

In the case of forwarding, it would be correct to use registered mail.

Regardless of the method of appeal, the interested person must have in hand documentary evidence of the fact of delivery of the appeal to the addressee.

Package of documents, drawing up an application

The basis for restoring the coefficient is the application of the initiator . There is no standard model that must be used without fail. The text of the application must indicate the following:

The name and address of the company to which the interested party is applying.
Information about the driver - last name, first name, patronymic, date of birth, passport details, contact phone number.
The request itself to make changes to the database.
Series and number of the current insurance policy.
Grounds for appeal. In this case, it will be a replacement driver's license.
List of attached documentation.
Date and signature of the applicant.

The application must be accompanied by:

a valid driver's license;
passport of the interested person;
current and previous insurance policy;
a certificate from the traffic police about the absence of an accident.

Documents can be submitted in the form of originals or certified copies.

If information is sent via the Internet, the documents must be converted into electronic format.

Procedure and terms of restoration

After the application and documents are received by the insurer, the RSA or the Central Bank, they will be examined for their completeness and accuracy.
If there are no comments, the necessary amendments will be made to the database and the concluded agreement, as a result of which the coefficient will be restored. The period for consideration of the application cannot exceed thirty days . Within the specified period, the response must be sent to the applicant.

The response is sent to the applicant by mail, via the Internet, or hand-delivered against signature.

How to return an overpayment if it has occurred?

In order to return overpaid funds, you must contact your insurer with a statement. It states the following:

Company name and address.
Information about the interested party.
Excess payment amount.
Request for its return.
Series, number and date of issue of the insurance policy.
Vehicle registration certificate data.
Information about the new and previous driver’s license.
Bank details for transferring funds.
List of attached documents.
Date and signature of the applicant.

The application must be accompanied by:

Copies:
rights;
valid policy.
Payment details.
Certificate of restoration of the KBM.

The application along with the documents must be submitted to the company’s office in person, or sent by registered mail. The funds must be returned to the payer within fourteen days from the date of receipt of the application.

In case of refusal, the policyholder can send a complaint to the Central Bank. The response received must be submitted to the insurer, who will be obliged to return the excess amounts paid.

Restoring KBM if there are no old policies

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First of all, they find out when the discount disappeared or its value became incorrect. To do this, they make several queries in the PCA system and determine in which policy the discount was present and in which it was no longer there.

The insurance company that made a mistake writes a statement addressed to the director. If the change in the coefficient was unjustified, then the insurer is obliged to reimburse the overpaid amount of the insurance premium. If a refusal is received or more than a month has passed since the filing of the complaint, you will have to write to the RSA or the Central Bank of the Russian Federation.

To do this, leave a complaint with copies of all scanned documents on the official websites of these organizations. But even if these appeals do not bring any results, you can file a lawsuit. If the actions of the insured are justified, then the court will be on the side of the applicant.

Reference! When contacting authorized organizations, you should remember that the Russian Union of Auto Insurers only regulates the actions of insurance organizations, but does not have the right to punish them for violations. As for the Central Bank, it has every right not only to influence the restoration of the discount, but also to deprive the license of a negligent insurance company.

Many sites offer their services for restoring lost KBM. Such services can be paid or free. Car owners need to fill out the appropriate form, but in order not to suffer from the actions of scammers, it is better to use trusted official sites.

Each driver can independently calculate the discount and cost of the insurance policy. In particular, when making calculations, it is necessary to take into account the fact that a driver who does not have driving experience is first assigned 3rd class. After this, the class is subject to change every year.

For example, if the driver had a 5th class, then when applying for a new OSAGO policy it will be reduced to 3rd, but if in a given year 2 accidents occurred due to his fault, then the class will be reduced to 1st, and accordingly, KBM will be 1.55, and the driver will have to pay 55% more.

The maximum BMR is 2.45. Below is a table with KBM indicators.

To calculate the MTPL discount, you must:

go to the RSA website;
find out the class that was assigned to the driver;
calculate the discount based on the above table.

For example, you can calculate the cost of an MTPL policy on the RSA website by following this link

All information about the insurance experience and previous policies is stored in a single electronic AIS database, which is under the jurisdiction of the RSA. When making changes to the database and updating data about a specific driver, various errors may be made, which will cause an incorrectly calculated car insurance discount.

In addition, there are a number of other reasons for the decrease in BMF, among which the most common are:

Replacement of a driver's license or information about an individual.
The insurer did not transmit information about the driver to the RSA.
Mistakes made by the insurance agent when filling out the policy.
Changes in the insurance program.
Interruption of accident-free experience.
Allowing multiple drivers to drive a car.

Regardless of the reason for the expiration of insurance points, each driver can return the overpayment under compulsory motor liability insurance and restore the discount in one of several ways, which will be discussed a little later, but for now we should consider each reason in more detail.

Even the slightest mistake made when filling out an insurance contract can lead to the return of the BMI to the base value. This is due to the fact that if incorrect data is entered into the policy, they will also end up in the AIS, as a result of which the driver will be perceived as a completely different person.

The pressing question is how to restore KBM if there are no old OSAGO policies in 2021. Algorithm of actions:

First of all, you need to determine exactly when the discount disappeared, or more precisely, when it was reset to zero in the RSA database.
If the previous year shows the wrong class, then you should choose an earlier date until it is determined exactly when the failure occurred.
After this, you should write a complaint to Rosgosstrakh. It is the insurance company that is authorized to restore the value of the KBM in the RSA. In the application, fill out all fields correctly, enter a valid MTPL policy and driver’s license.
The complaint describes in detail the reason for the appeal. Be sure to prove that the previous policy was lost, ask to restore the class and legal discounts.

Methods for restoring discounts

You can restore the KBM by personally contacting the office of the insurance company, which is the simplest and most reliable way to correct the error. To do this, you will need to take with you the policy form, passport and write an application. If possible, it is better to contact the central office, since employees there have more authority. The company provides notification of the actions taken within 5 days.

Contacting Tsetrobank

Restoration of the KBM can also be carried out through the Central Bank if the RSA has received a refusal. The complaint is filed on the official portal of the government agency.

To do this, you will need to go to the website and submit an application, providing the following information:

information about the MTPL policy.
personal information and telephone number for contact.
E-mail address.
main circumstances of the appeal.

It is important to know! Complaints are reviewed within 5 business days, after which the client is provided with a response. In practice, the KBM is restored free of charge, and the information is entered into the RSA database.

Recovery through online services

You can restore KBM for free on the basis of RSA online, using the official website of the insurance company yourself. You need to go to the portal of the operator that issued the MTPL policy and click the “Feedback” button. After this, you will need to enter certain data into the form:

The subject of the appeal, for example, “KBM on compulsory insurance policy.”
Document Number.
Vehicle details (number, make and model).
Personal information, phone, mail.
Region of appeal.

Attention! If accident-free driving and the presence of an error are confirmed, the KBM will be restored within 20-30 days. A response about the decision made is sent to the address specified in the application.

But the timing may vary slightly from company to company:

"Rosgosstrakh" - https://my.rgs.ru/complaints.wbp - 30-60 days.
"VSK" - https://check-kbm.newtravel.vsk.ru/ - 20-35 days.
"RESO" - https://secure.reso.ru/sites_https/reso/Feedback/index3.html - 30 days.
"Max" - https://www.makc.ru/ - no data on timing.
“Consent” - https://www.soglasie.ru/kbm/ - 1-3 days.

You can return the KBM if a reset has occurred by following the links listed. This is easy to do; in general, the procedure does not take much time.

The procedure for restoring KBM via RSA online

You can also restore KBM online in the RSA database, through the company’s official website. The procedure is free of charge. The Russian Union of Auto Insurers is an organization that controls all operators in the country. Using the portal, you can easily check the size of the KBM and, if necessary, send a request for recalculation. It is recommended to contact this company in the following cases:

The company received an official refusal to carry out the adjustment.
The operator went bankrupt, and at the same time the indicator was reset to zero.
I was unable to make changes to the system myself.

You must leave a request on the official website indicating all the necessary information about the policy and personal data (full name, driving experience, how many KBM points you had before the demotion).

To simplify the process, you should download a special template. The completed request is sent via an automated online feedback form. You will receive a notification about changes made within 2-3 business days.

How to restore KBM

You can submit an online request for the restoration of the KBM using our service. Firstly, after replacing your rights, you need to go to the office of your insurance company as soon as possible to make changes to the OSAGO form so that the relevance and reliability of the policy is not in doubt.

Documents and statements

The Investigative Committee employee must also make changes to the unified database. In most cases, this is done upon first request within five business days. You may be asked to fill out an application to make changes to the AIS RSA database; a sample will be provided by the company.

The following documents must be attached to it:

copies of old and new driver's licenses;
a copy of the current insurance policy;
request for calculation of KBM;
certificates on the number of insurance payments.

If an error in calculating the cost of compulsory motor liability insurance is discovered after payment, the application must require the required amount to be returned and indicate the bank card details.

Thereafter, you should periodically review the open PCA database to ensure that the BMR has changed. If after five working days the website of the Russian Union of Auto Insurers gives an incorrect coefficient based on the series and license number, you can write a second application.

This appeal should indicate that the Investigative Committee employee did not fulfill his obligations. The information and attached documents will be required the same, but the application must be addressed to the director of the branch. This step will almost one hundred percent lead to a positive result. Otherwise, you will have to complain to the Russian Union of Auto Insurers.

Complaint to RSA

You can find a ready-made application form on the RSA website. You must fill it out and send it by mail along with scans of documents and applications to the insurance company. Also, for all residents of Russia there is a free hotline of the RSA information center, which allows you to get advice: +7-800-200-22-75.

Contacting insurance brokers

There are special organizations that are ready to process all applications and file complaints instead of their clients. Their employees have thoroughly studied all the intricacies of the laws relating to compulsory motor liability insurance and the activities of insurance companies, so they can do everything faster than an ordinary person.

However, some companies providing such services are scammers. When choosing an organization, you should carefully study reviews and avoid those who require full prepayment.

So, you can save the KBM after changing the rights. In most cases, all you need to do is contact your insurance company and fill out one application. Companies do not bring the matter to the level of complaints to the RSA, since the conflict may result in various sanctions (a fine or exclusion from the Union).

Package of necessary documents

If the driver forgot to provide the new driver’s license details, the changed number will not be displayed in the PCA database. This means that when the insurance period has expired, the driver, coming to the insurance company office for an extension, will face an increase in the price of the policy, and not vice versa.

If the driver managed to make changes to the database when replacing his driver’s license, but the bonus was still reset to zero, then the problem is resolved by the RSA.

To do this, you should contact the insurance company, providing a current policy, and also attach to it:

Civil passport (copy);
Driver's license;
Copies, originals of the old document (previous policies).

How to make changes to the RSA database

After replacing the rights, the policyholder must write an application to his insurance company and the sooner the better. It indicates the replacement date and a request to keep the accumulated discount. According to this document, the insurer is obliged to make the necessary changes to the unified RSA database, and then a new contract is concluded.

If the discount disappeared during the validity of the insurance contract, then the restoration procedure becomes a little more complicated. Since cases of loss of a KBM after a change of driver’s license are not uncommon, many insurance companies provide the opportunity to file a complaint online.

To file a complaint on the insurance company's website you need to:

Write an application for restoration of the discount using the appropriate form.
Attach a copy of the previous policy to it, and if it is missing, then you need to send a certificate confirming the break-even of the insurance.
You must also send a copy of your driver's license and passport.

Personal data is any information relating to a specific individual. Passport data, last name, first name, place of registration - all this is personal data.

A notification of a change can be issued in the form of a statement requesting changes to existing documents. It is necessary to indicate exactly what data has been changed, provide information about new documents and the dates of their update.

A personal visit to the insurer's office or a notification letter sent by mail will be enough to prevent the loss of the discount and avoid the procedure for reinstating the CBM in the future.

If everything is decided at the level of the insurance company manager, then all changes are entered into the RSA database. This is done directly by the insurer; they have full authorized access to such an operation.

To do this, you need to provide, in addition to your passport and valid driving license, a copy of the insurance contract in paper or electronic form.

The motorist must ensure that information is printed out in paper form stating that all necessary changes have been made, and must also endorse with a personal signature the fact of familiarization.

It is worth remembering that only the size of the bonus-malus coefficient can be determined independently, but only the insurance company can make changes; even RSA does not have such access.

KBM is used as an adjustment factor when calculating the MTPL insurance policy. For the driver, he determines the number of insured events that occurred due to his fault. For safe driving (without accidents), drivers are rewarded with discounts on compulsory motor insurance (5% for each year, but not more than 50%). On the contrary, those responsible for road accidents receive an increasing coefficient, which is 1.4–2.45.

When determining the driver’s BMR, the insurance company must rely on the values specified in the automated AIS OSAGO database. When replacing a passport or driver's license, as well as when winding down the activities (bankruptcy) of a former insurer, information about the amount of the discount may be distorted.

The application indicates the date of replacement, as well as the details (series and number) of the previous driver’s license. Based on the results of the application, the insurer: 1) issues the client a compulsory motor liability insurance policy with the amendments made;

One of the frequently asked questions from many drivers is: “How to restore the MTPL discount after replacing your license?” And this is not surprising, because every motorist has changed his driver’s license at least once in his life.

Responsible drivers should know how to restore the CBM after replacing their driver's license. Since in this case the owner of the car is issued a new document.

By taking out a policy, the driver provides the insurance company with a new driving license, with a changed number and series. The insurance company operator enters them and it turns out that the old ones were not transferred to the database. In this case, the driver is given a coefficient of 1.

Sometimes vehicle owners take advantage of the lack of information about KBM when changing their license.

In the event of an accident on the road, the culprit of which is the client of the insurance company, when taking out a compulsory motor liability insurance policy, the coefficient increases significantly. Then it is more profitable for the culprit of a traffic accident to change his license, pay the tax and purchase a policy with a coefficient of 1.

Many people are interested in how to restore KBM after losing their rights. First of all, you need to write a corresponding application to the insurance company.

Reasons for changes

Information about class and bonus-malus coefficients, that is, bonuses for the absence of accidents, is stored in the data bank of the Russian Union of Auto Insurers - AIS RSA. Each driver is identified there by his full name, birthday, and ID details. Therefore, registration of a new license requires mandatory updating of the AIS, otherwise the KBM is lost.

The driver is required to obtain a new license:

after changing personal data (for example, married name);
loss or damage to the device;
replacement of a passport for any reason;
expiration of the validity period of the temporary residence permit (10 years).

In all these situations, the document number and series change. This must be immediately reported to the insurance company to correct the information in the RSA so that the discount under the MTPL policy does not disappear.

Expert opinion

Artemyev Dmitry

Experience as a forensic expert in the field of automotive technical examination for more than 2 years, more than 3 years of work in the field of insurance disputes, appealing guilt in road accidents.

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When signing an insurance contract for the next period, the insurance company will check the coefficient in the AIS using the updated driver’s license. If you do not update the database on time, RSA will perceive a driver with a different driver’s license as a beginner with zero driving experience. It will be assigned the base class “3” and the KBM, accordingly, will be reset to zero.

From the video you will learn about replacing a driver’s license and compulsory motor liability insurance policy:

Since the basic tariffs of the Central Bank of the Russian Federation for compulsory motor liability insurance are quite high, the loss of the coefficient can hurt the driver’s budget. In addition, you will have to save up a new 50% discount for 10 years: every year, subject to careful driving, it increases by 5%.

However, the loss of KBM after registration of new rights is not the insurer’s mistake. A driver's license is one of the basic personal documents of a citizen, which in some situations confirms identity.

Important! It is the responsibility of their owner to notify all interested parties and make changes to the RSA within the deadline about the replacement of rights. This is expressly stated in paragraph 8 of Art. 15 Federal Law No. 40.

How to replace a driver's license with a new one when changing your last name

When re-registering rights due to a change of surname, you need to know what documents you will need and what is the procedure so that the document is replaced as soon as possible. First of all, you need:

obtain a medical certificate (if at the time of changing your rights you have a valid certificate, you will not have to re-do it, this will significantly reduce the cost and speed up the replacement process);
replace your driver's license;
make the necessary notes in the car insurance policy.

ENT;
therapist;
ophthalmologist;
expert in narcology;
neurologist;
psychiatrist;
surgeon.

insurance policy;
new driver's license;
marriage document.

The updated information is entered into the insurance policy, as well as into the insurance company's system. At this point, the process of re-issuing a driver's license is considered complete.

Recovery procedure

First of all, if the driver loses the KBM, it is worth finding out the reason why this situation occurred. If the driver understands that he did everything correctly after replacing his license, but when applying for a new insurance document he does not have the required discount, then this means that it is necessary to double-check all the actions of the insurers.

It is also necessary to restore the situation with filing an application to change the data in the rights, and it is worth remembering that if the policy indicates that it was issued by Rosgosstrakh, then it is necessary to contact them there to clarify the situation. Employees of another company will not be able to help.

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When applying, it is best to support your arguments with a copy of the application and a duplicate of the package of documents described above. If an error occurs due to the fault of the manager, then it is necessary to insist on the return of the discount and the restoration of the previous insurance conditions. It is best to register such an appeal with the clerk and ask for the incoming number and details of the employee accepting the application.

If the insurance company leaves the situation unattended, then you need to write a complaint to the RSA with a request to look into the situation. Such a complaint must be accompanied by all copies that were transferred to the responsible persons and a duplicate of the application with the incoming number.

In RSA, the period for consideration of the application and the restoration procedure is usually carried out within one month.

If, even in the case of a referral to the RSA, the KBM is not returned without explaining the reason, then the motorist must again collect all the documents and contact the judicial authorities with a request to find out why his situation is not being considered.

How to check the bonus-malus level according to the new VU

When deciding how to transfer the KBM to new rights, it is necessary to remember that one of the responsibilities of the policyholder is to timely notify the insurer of any changes in the information specified in the contract. That is, if a car owner changes his rights during the validity of the next policy, he is obliged to notify his insurance company in writing. The information will be included in the “Special Notes” section and the KBM will not be lost when the contract is extended. The same must be done if the change of rights coincided with the expiration of the insurance before the renewal was issued.

You can calculate the amount of the malus bonus due yourself using a special table. Its left column indicates the driver's class, and the rest the number of insured events for the last year. A novice motorist who enters into a MTPL contract for the first time will be assigned class 3 and a BMR value equal to 1. The maximum discount that the policyholder can receive is 50%.

The most convenient way to check whether the changed data has been entered into the database and whether the already accumulated bonus after the change of rights has been taken into account is on the official RSA website. Any driver can obtain such information about himself. The resource is free and has no limit on the number of hits.

First you will have to confirm your consent to enter personal data and their subsequent processing. To do this, you need to check the appropriate box and click the “Ok” button.

In the electronic form that opens, you must enter the following information about yourself:

first name, last name and patronymic of the car owner or other driver;
exact date of birth;
passport data;
series and license number.

Searching for information takes no more than 20 seconds. The response will contain not only the current value of the BMR for a given person, but also the number of the policy on the basis of which it was calculated. If the bonus value coincides with the one calculated independently, then the data from the new certificate was entered correctly. If the numbers differ, then it is necessary to find the error and restore the already accumulated KBM.

Why does this error appear?

The bonus-malus coefficient, which affects the calculation of the discount, is assigned to a specific person. Each insurance company that provides registration and replacement services for compulsory motor liability insurance must enter current information about drivers into the RSA register. The base is the same for all insurance companies.

A driver's license changes, for example, when a surname and other personal data are changed. The driver's obligation to notify the insurer about the replacement of his license to drive a vehicle is established by law. If this is not done, then when renewing the policy there will be a discrepancy between the real data and the data from the RSA.

In this case, not just an error occurs, but the beginning of a new insurance history, because new data entering the RSA is accepted as the data of the new driver.

In most cases, the driver is to blame for this because he forgot to notify his insurance company about changes in personal data. Another reason for errors is the inattention of the insurance agent who is engaged in entering data into the RSA register.

If you want to completely eliminate this situation, check your coefficient yourself. This can be done on the RSA website by completing a request and receiving data from the registry.

New passport, do I need to change my license?

What certificates are needed in case of replacing a civil passport based on age? In order for a citizen of the Russian Federation to accept an application for the exchange of an old document at twenty or forty-five years old, you need to collect the following documentation: What is the deadline for replacing a passport? Deadlines for passport replacement by age In order for a passport replacement to be made, the following documents must be provided: It is imperative to remember that these documents must be collected and submitted in such a way as to meet the legal deadline for passport replacement. What does the planned procedure for replacing rights look like? As of 2021, the requirements of officials for performing any actions related to the State Traffic Inspectorate have been significantly relaxed.

How to contact the insurance company correctly

A discount for compulsory motor vehicle liability (on MTPL) allows drivers to save. But if, for example, an agent of the Rosgosstrakh company entered erroneous information about you, then it is easy to find out about it.

By going to the section on determining the KBM on the RSA website, you can use the entered dates to determine exactly where the discounts disappeared and for what reason. Most often, the agent incorrectly indicates information about the policyholder (incorrectly entered full name and did not replace information about new rights). As a result, by the time the contract expires and a new one is purchased, the policyholder discovers that he is assigned to the KBM entry class, although in fact he would have had a 50% discount.

In such situations, they write an application to the insurance company with a request to replace the data and pay the difference. In addition to asking to return the discount, present your passport, driver's license, old contract and sometimes a vehicle inspection card. If at the time of renewing the contract the technical inspection reveals a discrepancy, you will be denied insurance. This means that before contacting the company, you should prepare and double-check the availability of the necessary documents.

Contact RSA

Typically, insurance agents enter new rights into the RSA database online, which means they can make a mistake. Having previously not noticed any inaccuracies in the documents, you will overpay when re-executing the contract. In such a situation, demand reimbursement of the overpaid amount from the insurance company. But the company may refuse.

Then we turn to an organization that resolves disputes between policyholders and insurers. The Russian Union of Motor Insurers itself does not have the right to replace the KBM in the AIS database, but it directly influences the insurer and will force it to resolve the current situation.

The driver who made changes to the electronic insurance and to the regular paper form will have to provide RSA with evidence of his innocence. A standard list of papers is also collected here, but a certificate from the traffic police about the absence of an accident for the last year before the start of the new insurance period is added. These documents can be scanned and attached to the application on the RSA portal.

Contacting the Central Bank

If the insurer forgot to enter the policyholder’s new driver’s license into the AIS database, then you can contact the Central Bank of the Russian Federation. You are allowed to contact the organization only if the discount has disappeared when changing rights, and the insurance company refuses to resolve the misunderstanding that has arisen. In order to restore the discount due to a change of rights, applications are allowed on the Central Bank website and sent remotely, without visiting the organization.

Restoring KBM after replacing rights

This happens due to the fact that the insurer was not promptly notified of its client’s new DP and did not transmit the information to the RSA.

As a result, the next time you insure, it is discovered that the bonus-malus coefficient has disappeared (became equal to 1), and the cost of insurance has increased significantly.

What to do if you replaced your license and the KBM under OSAGO disappeared

First, you need to find out why the KBM is lost when replacing a driver’s license. Having discovered an error on the part of the Russian Union of Auto Insurers, it can be easily restored.

Here the BMF is 0.6. This means that when calculating the cost of compulsory motor liability insurance, its base price will be multiplied by 0.6. If, according to the new license, the BMC is 1 after the replacement, make the request again, but using the number of the old driver's license (its information is indicated on the back side). If the coefficient is less than one, it must be returned for a new device. There are several ways to do this.

Insurance company that issued the MTPL policy

This is the first instance where you need to file a complaint about the restoration of the KBM after replacing the VU. The review period cannot exceed 30 days.

“Hello, after changing my license, my KBM has changed, please carry out the investigation and assign me the correct coefficient.”

A response with a decision should be received within a month. The letter will indicate the assigned driver class, which will be linked to the new driver's license.

Russian Union of Motor Insurers

By going to the “Contact the RSA” section, you can find the KBM application form and send it by email.

This method is best left to the heavy guns if your insurer's response doesn't live up to expectations.

Central Bank

The navigation there is so confusing that finding this section is not so easy, so we have attached the link: https://www.cbr.ru/Reception/Message/Register.

There you need to fill out the proposed forms, attach photos or scans of the required documents and send a complaint.

Conclusion

Please note that if insurance with an inflated CBM coefficient has already been purchased, you will be able to return the excess paid insurance premium.

After submitting the application and the above documents, the money will be transferred to the specified account. It won't take more than 2 weeks.

Where to go for restoration

Yes, there are recovery methods, and several. Your task is simply to contact the authorities with an application for the restoration of the KBM in connection with the replacement of your driver’s license.

You can contact us yourself:

to your insurance company;
in RSA;
to the Central Bank of Russia.

To speed up the process of returning KBM, you can contact all authorities at once.

This can be done in several ways:

personal visit; when you submit your application, do not forget to ask to mark the acceptance of the application on your copy;
online
by mail, by registered mail with notification.

There is a statutory period of 30 days for consideration of your complaint. During this time you should receive notification of the decision.

If your application is satisfied and the CBM is restored, the insurer will be obliged to return to you the amount of your overpayment of insurance premiums. However, to do this you will need to submit an application again.

If your appeal has not been satisfied, you have the right to appeal to the prosecutor's office or court. The dispute will be resolved in court, and the prosecutor's office can request an investigation.