How to check and restore KBM in Ingosstrakh

In what cases is it necessary to restore the KBM?

Expert opinion

Valery Volkov

Insurance expert

Buy eOSAGO through RSA

Restoring the CBM is necessary in all of the above cases, with the exception of those where the motorist himself is to blame: lack of insurance for a year or purchasing illegal insurance.

It also happens that the driver was at fault for an accident for which payments were made. Assuming a lower (favorable) coefficient, the driver could simply forget about such cases. In this situation, it makes no sense to talk about restoring the KBM.

In other zeroing situations, it is necessary to restore the KBM. The cost of the MTPL policy will depend on this. In addition, it will be possible to recalculate an already paid policy using an incorrect KBM and return your funds.

How to restore Ingosstrakh KBM under compulsory motor liability insurance

BMR is an acronym for bonus-malus ratio. We are talking about an important element of the formula for determining the cost of an insurance policy, which is reflected in the final amount. Depending on the number of years during which the driver has not been involved in an accident, the coefficient may either increase or decrease. This is a kind of incentive for the policyholder - the less he risks on the road, the more he subsequently saves on the insurance contract. The discount can reach 50%, but to receive it you will need to accumulate 10 years of accident-free experience.

Tariffs for compulsory motor liability insurance differ from those that apply to CASCO insurance. The rate can only be regulated by the laws of the Russian Federation. In calculation calculators, a line with KBM is displayed. It is this coefficient that indicates the class of the insured:

1. KBM-1 - issued by beginners; no discount is provided for them. Such a driver is assigned third class. If the driver does not get into an accident during the year, then a 5% discount is assigned for the next contract.
2. KBM-0.95 is the same 5% discount. After the driver can drive for 10 years without a single accident, he will be able to reduce the price by 50%. It is impossible to get more than this value.

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Thanks to a flexible calculation system, careful and careful drivers can receive equal compensation under compulsory motor liability insurance, but spend less on the policy. Those who constantly get into accidents, on the contrary, will have to pay extra for the contract. The cost of the policy may double. This incentive system has proven itself well in practice. Most drivers try not to get into accidents or break traffic rules. Such a system was originally provided for by law to encourage cautious policyholders. Therefore, it is important to check your ratio to prevent an unreasonable increase in the cost of insurance.

Restoration of the KBM may be required if:

• replacing a driver's license;
• change of surname;
• gaps in insurance (if the contract has not been concluded for a year or more);
• the insurer did not send information to the RSA (the company was liquidated, the driver received a policy from fraudsters, etc.).

In December 2015, a simplified algorithm for requests from drivers was initiated if they disagree with the coefficient used by the company. If the insurance company receives a corresponding application, then the insurer undertakes to begin checking the value of the KBM in the AIS and, if the information received does not coincide with that used by the organization, then the latter undertakes to change the KBM. The coefficient will be taken into account both in this contract and in those that will be concluded later (if there are no declared losses).

If the driver disagrees with the BMR from the insurer, then he should contact the company directly with which he has an agreement. The organization undertakes to process the request in a short time and without effort on the part of the client.

What documents are needed to restore the KBM

First of all, you need to write an application. Without it, it will be impossible to restore the KBM when contacting.

The following are attached to the application:

1. old MTPL policies;
2. receipt of payment for a new policy under an incorrect KBM (or other proof of payment);
3. photocopy of the driver's license on both sides. If there was a replacement, then photocopies of both documents;
4. photocopy of the car's passport;
5. photocopy of the applicant's passport;
6. if there has been a change of name, then a photocopy of a document confirming this fact;
7. documents that can serve as proof that the driver is right: a certificate from the traffic police about the absence of accidents, a certificate from the insurance company about the absence of payments (if the application is not submitted to its office).

If the insurance states that the driver can drive other vehicles, then it will be necessary to provide photocopies of their documents (passports).

How to apply for reinstatement of the KBM

The application is submitted depending on the company where the applicant is applying, in any form or in the form of a clearly established sample. This will be discussed in detail below.

Procedure

It is better to first address the application to your insurance company. After all, an application submitted to the RSA will initially be forwarded to the driver’s insurance company.

The application must be submitted to the company office along with the relevant documents.

Expert opinion

Valery Volkov

Insurance expert

Buy eOSAGO through RSA

An application should be submitted to the RCA when the insurance company has left the market, gone bankrupt, or refuses to consider the application . Also, if, after reviewing the application with the insurance company, the driver is dissatisfied with the results, i.e. considers them erroneous, can be converted to RSA.

An application is submitted to the Central Bank if the insurance company does not provide a response within the allotted time frame or refuses to accept the application at all. However, in these cases, it is initially better to contact the RSA.

Terms of consideration

Each company sets its own time frame for consideration of this issue and varies from 20 to 60 days. Reinstatement by the insurance company is free of charge. If a response is not received within the allotted time, you can contact higher organizations - RSA or the Central Bank.

RSA or the Central Bank will consider the application within 30 days from the date of submission.

There are online services that, for a fee, can help resolve this issue in 1-5 days.

How to submit an application to the RSA

First you need to print out the application form. This organization will only accept documents of the established form for consideration. In the upper right corner, fill in your details: full name in the genitive case, home address and mobile phone number. And in the body of the document, fill in all the fields relating to documents and personal data.

Expert opinion

Valery Volkov

Insurance expert

Buy eOSAGO through RSA

The essence of the appeal must indicate that the applicant requests to review his KBM and enter the corrected data into the automated information system of the RSA.

There are three ways to submit your application:

1. Go to the office, which is located at: Moscow, st. Losinovskaya, 27, building 3. Documents are accepted on Tuesdays - from 15.00 to 18.00, on Thursdays - from 9.00 to 12.00. But this is not convenient for all citizens.
2. Send the application by registered mail with return receipt requested to the above address.
3. Send a scanned document by email.

How to submit an application electronically

There is an RSA email address for accepting applications. This is done to make it faster and more convenient for citizens to apply. The email address is listed on the official website of the RSA. At the very bottom of the page that opens you will see the line “Electronic reception”. You have to click on it. A new window will open. It will contain RSA contacts on the left side, including an email address.

Scanned copies of documents must be sent to the address, and the driver’s license must be scanned on both sides. And also attach a scanned version of the application.

How to check your KBM

When switching to IC Soglasie, the car owner retains the bonus-malus coefficient. You can check its value yourself. To do this you need to use the form:

An alternative way is to go to the website autoins.ru, owned by the Russian Union of Auto Insurers (RUA). The user will need to prepare personal data, such as: full name, date of birth, series and driver's license number. Next you need:

1. Find the “Bonus-malus coefficient” section and click on it.
2. On the next page, read the agreement and click OK.
3. In the form that opens, enter your personal data, enter the captcha code and click “Search”.

After 1–2 seconds, the service will display the information you are looking for. If you see an error made when entering personal data, you can make changes and make a repeat request.

How to submit an application to the Central Bank

The Central Bank is the last authority to contact for the restoration of the KBM. If the insurance company fails to act, you must first contact the RSA. To file a complaint, you must go to the official website of the Central Bank at https://www.cbr.ru/osago/.

The essence of the claim states “Incorrect application of the KBM when drawing up an MTPL agreement.” And the complaint itself is filled out in any order. You should also upload copies of all documents to make the verification more thorough and faster.

How to submit a claim to an insurance company

An application to the insurance company with a request to restore the KBM is submitted in any form. But it is better to clarify with the organization itself what data should be indicated. As a rule, free filling out of such a document is allowed. It is written in the name of the director of the organization.

Copies of the above documents (see clause 4) and bank account details should be attached to the application.

An employee of the insurance organization must hand over a photocopy of the application with a note indicating acceptance of the documents and application. After considering the issue, the insurance organization must notify the applicant of the results and enter new KBM data into a unified system.

If the applicant cannot approach the insurance company in person, you can leave an application online on the company’s official website and attach scanned copies of documents. You must first register on this site and leave your email address to receive a response.

Sample application

You can apply

Stages and methods of restoring your KBM

There are several ways to restore the OSAGO coefficient. The first is to use a special service that can be found on one of the websites or on the portal of the insurance company. The service is paid.

The client will need to send personal information to receive information:

• FULL NAME;
• Date of Birth;
• passport details;
• driver's license details;
• contacts (contact number, email address).

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The request will be processed within 24 hours. The client will receive information that the CBM has been returned to its original value.

Another method works after changing rights. It is necessary to submit information about the new document (both the driving license and the civil passport) to the insurance company in a timely manner. Then the policyholder will be able to avoid incorrect calculations.

If the error could not be avoided (both due to the fault of the company and the fault of the client), then there is another way to restore the KBM. The policyholder must determine at what stage the discount was missed. Clients do not immediately notice that the policy is paying them a larger amount than they need. This is due to the fact that the driver does not understand the calculation methods and does not pay due attention to the process of issuing a policy. If you need to start recalculating the value of a contract due to an incorrect KBM, then you need to understand how the procedure is officially initiated.

RSA online service website

The easiest recovery option is to use the RSA database to determine your KBM. The service works free of charge and via the Internet.

The user only needs to add information about himself:

• FULL NAME;
• date of birth;
• driver's license details.

The service will take some time to process, after which all information about the driver will be displayed on the screen. This will give the user the opportunity to understand at which stage the failure occurred. Next, when the client understands where his BMR is too high, he needs to save the entire history of the coefficient.