How to reduce the KBM according to OSAGO

When applying for compulsory motor liability insurance in Rosgosstrakh, sometimes an error occurs due to the overestimation of the KBM indicator. The growth of the bonus-malus directly affects the cost of compulsory car insurance. In order not to overpay for the extension of compulsory motor liability insurance, you should know the ways to correct the KBM in Rosgosstrakh. The fastest and most reliable option for recalculating the coefficient is to use specialized online services. For a few hundred rubles, car owners can reduce the coefficient in just 1 minute. The services operate legally: all data is synchronized with RSA. A day after the restoration of the KBM, you can apply for compulsory motor liability insurance at Rosgosstrakh at a discount.

What is KBM and how is the coefficient calculated?

The KBM (bonus-malus) coefficient is used when calculating the cost of an MTPL insurance policy. It characterizes the degree of accident-free driving of a particular driver. The calculation is made on the basis of data from the RSA (Russian Union of Auto Insurers), where there is information about compulsory motor liability insurance, and the traffic police databases.

A bonus-malus is assigned to each driver who drives a vehicle in the Russian Federation. When you obtain a license, the coefficient is maximum, but with each year of driving without accidents, the coefficient decreases. And on the contrary, if the owner of the car is the culprit of an accident, his MPV will increase again next year. This will affect the cost of MTPL insurance: you won’t be able to get it at a discount even online.

Depending on the driver’s experience and the period of accident-free driving, the bonus malus can either increase or decrease the amount of insurance. The maximum discount is 50%. It is provided to drivers with at least 10 years of accident-free driving experience.

The maximum discount at Rosgosstrakh is also 50% of the coefficient. Considering that the vehicle owner cannot significantly influence other factors in the calculation of compulsory motor liability insurance, the value of the bonus-malus is decisive when calculating the cost of insurance.

How does the coefficient affect the price of an insurance policy?

When a driver contacts the insurance company for the first time, he is assigned class 3, meaning a zero discount and no bonus. No earlier than a year later, this indicator increases by 1 point. If the driver purchases a new policy, then its price is reduced by 5% from the base rate. In the future, provided there are no accidents, a citizen can reduce the cost of insurance by 50% for 10 years. This is the maximum bonus, which cannot be increased.

The driver will remain at this level until he changes the terms of the agreement or commits an accident. In such cases, the insurer's rating drops significantly. On average, he loses half the premium. After this, the question of how to reduce the cost of compulsory motor liability insurance can be raised no earlier than in a year, in the absence of insured events due to the fault of the vehicle owner.

Related article: How long is a diagnostic card for compulsory motor liability insurance valid?

When a client causes two accidents during the year, he rolls back 10 points. So, if there is a higher 13th class, it is assigned 3 with a zero discount. If the rating is lower, then the citizen goes into the negative category with increasing coefficients, and for the policy he will have to pay significantly extra for each minus point. In this case, the rate does not apply to the car, but only to its owner. The history of his behavior on the road is tracked by the registration number of the license, not the vehicle.

Calculation of coefficient

To understand how to lower the CBM, you need to understand the criteria by which it is assigned. This is a basic count that affects the total amount that will have to be paid upon completion of the contract.

The KBM class is influenced by the following factors:

• driving experience;
• age;
• health status;
• the presence of emergency situations due to the client’s actions and their severity.

The subjective factor should also be taken into account. Being self-supporting organizations, insurance companies use various tricks to increase the price of the policy and reduce the amount of insurance.

So, the main reasons for the decrease or absence of a high class may be the following:

1. Failure to enter an existing KBM into the database. This happens when a new contract is drawn up by hand with a manager visiting the client’s address. In such cases, there may be no network access, leaving the agreement on paper. Yes, and they can lose her.
2. Error when entering personal data when purchasing electronic MTPL. Here we are talking about incorrectly typed numbers, letters and dates.
3. When filling out, the letter “O” was deliberately replaced with the number “0”. It is very difficult to identify this externally, but the system perceives the driver as a new subject in it.
4. Server error. Failures in the operation of the resource are not uncommon, and if you are confident that you are right, you should insist on re-entering the information.
5. The owner of the vehicle changed his license, passport, and last name and did not notify the insurer about this.
6. Issuing a fictitious policy. The form is printed on a color printer, filled out, but not entered into the register. This situation is unpleasant not only in terms of material losses. Traffic police officers can detain a vehicle if they run it through the database and do not find the purchase of compulsory motor liability insurance there.

Related article: Why you can’t issue an electronic OSAGO policy online

Attention! In some cases, agents deliberately distort data in order to increase the price of the policy.

How to find out your KBM coefficient

There are many sites on the Internet that offer to find out and restore the KBM within 1–2 minutes. Not all Internet resources are safe. When calculating the coefficient, you should remember that it is not recommended to enter personal data on sites that are not the official pages of insurers. This risks loss of personal data and problems with fraud. Methods that allow you to check your OSAGO coefficient for free and safely are presented in the table.

The odds checking options proposed in the table are free official ways to find out the size of the malus bonus. To check what the value of the OSAGO coefficient is, you should enter the following parameters:

1. FULL NAME.
2. Date of birth.
3. Series and number of driver's license.

Information about the KBM is provided online. The verification speed is less than 1 minute.

What causes the KBM error?

When calculating discounts in Rosgosstrakh, problems sometimes arise due to an increase in the size of the coefficient. Since an increase in the indicator contributes to an increase in the cost of the insurance policy, the vehicle owner should know the reasons contributing to this phenomenon. A list of errors causing an increase in the coefficient is presented in the table.

Reasons for the growth of KBM in Rosgosstrakh

Regardless of the reason that led to an increase in the bonus malus in Rosgosstrakh, the owner of the OSAGO is recommended to reduce the size of the coefficient to the correct value. Otherwise, you will have to renew the annual policy with increased payment.

Reasons for high BMR

Every driver with minimal experience belongs to the category of potentially dangerous drivers, since his driving experience is scanty, and the age of the policyholder does not exceed 23 years. In this case, during the calculation, the price of the MTPL policy will be approximately 2 times higher than for a driver with more than 3 years of experience and over 23 years of age.

The BMR may increase or decrease, affecting the cost of the policy. It is a discount; many drivers do not even realize and do not know that they have the right to count on a reduction in the cost of the policy for accident-free driving and decent driving experience.

Every year, insurance companies that calculate the cost of compulsory motor liability insurance must submit information about each driver to the RSA. When applying for the next insurance for a new period, the discount must be at least 5% of the policy cost. The discount can accumulate annually and reach a record 50%. This is the maximum you can reduce the cost of insurance. The driver needs to ensure that the insurance company submits data on his accident-free driving record to the RSA. If there is no discount, you need to find out the reason why it is missing.

The main reasons include:

• changing your driver's license regardless of the reasons;
• errors when entering data into the RSA database by insurers;
• Road accidents also lead to an increase in car accidents.

Why is it necessary to restore the KBM?

Restoring the KBM will help:

1. Eliminate the cause that led to the error.
2. Return discounts for compulsory motor liability insurance at Rosgosstrakh. The amount of the insurance premium when extending compulsory motor liability insurance will be lower.
3. Improve the car owner's rating. When renewing a policy with Rosgosstrakh, clients with the lowest bonus-malus value receive additional discounts from the insurer.

To receive a discount when applying for compulsory motor liability insurance at Rosgosstrakh, you must restore the bonus malus before the policy renewal date. Otherwise, insurance will be calculated based on the increased coefficient.

Bonus-malus coefficient: how it affects the price of compulsory motor liability insurance

KBM is the bonus-malus coefficient used when calculating the amount you will have to pay for your compulsory motor liability insurance. In general, all basic tariffs and coefficient indicators are established at the legislative level, therefore the principles of calculation are the same for everyone and cannot be changed at the request of the insurance organization (by the way, the latter must have a license to issue compulsory motor liability insurance policies).

However, prices may vary for each person taking out or renewing insurance. This is due to the fact that one or another driver-client of the insurance company carries the risk of losing money for the insurance company: let’s say you caused an accident, and the insurance company will lose about 400-500 thousand rubles because of this. The more likely you are to cause an accident, the less profitable a customer you become in the eyes of the insurer.

To reduce losses, the insurance company tries to assess how high the risk of accidental driving is in each specific case, even at the stage of concluding a contract and paying an insurance premium on it (insurance price). The assessment takes into account several criteria. The insurer multiplies the base rate by a number of coefficients.

How much you will pay for your MTPL insurance, in addition to KBM, is influenced by the list of the following coefficients established by paragraph 2 of Article 9 of the Federal Law “On MTPL”:

• territorial - the degree of “danger” of the region is taken into account in terms of the number of accidents occurring in it, since the greater the density of traffic flow, the higher the accident rate;
• age-experience - it is logical that a younger and less experienced driver poses a greater risk for the insurance company;
• power - the more powerful the car, the higher the likelihood of an accident due to the fault of its owner;
• insurance validity period, seasonality - the indicator works in cases where the driver does not drive regularly (for example, he drives out of town only during the summer season);
• violations - everything is clear with this;
• limiting - applies if you deceive the insurer and because of this pay a lower insurance premium, cause an accident in order to obtain insurance, etc.

The KBM is a discount or markup (bonus and malus), depending on how long you drive a car without accidents or how often you get into accidents - accordingly, it can be reduced. The upper and lower limits of the coefficient are 0.5 and 2.45. In a good situation, your insurance premium can be halved; in the worst case, it can be increased by almost two and a half times!

All methods of restoring KBM

There are several options that allow you to return the MTPL discount at Rosgosstrakh. Not each of them guarantees a quick and 100% solution to the problem. The list of options for returning the bonus-malus discount is presented in the table.

How to restore KBM in Rosgosstrakh

The choice of method for restoring the KBM is the prerogative of the Rosgosstrakh client. The fastest and most proven option that allows you to return the bonus-malus discount is to turn to special services.

Step-by-step instruction

To return money for compulsory insurance if the KBM was installed incorrectly, you must make a copy of the certificate from the RSA about the restoration of the KBM. To restore this coefficient, you should write an application to the insurance company.

A list of documents is attached to the application:

1. copy of the passport;
2. copy of driver's license;
3. copies of previous insurance contracts (if possible).

In the event that the insurance company refuses to restore the MTPL discount, you must submit an application to the RSA. A sample of this statement can be found on the official website of the Russian Union of Auto Insurers. It should be accompanied by the same package of documents as the application to the insurance company and sent by registered mail to RSA.

If the union of auto insurers refuses to restore the auto insurance discount, then the next step will be to submit an application to the Central Bank of the Russian Federation. This application is drawn up on the official website of the State Bank and submitted electronically . Scans of your driver's license and passport are attached to it. If the Central Bank refuses to restore the KBM discount, the policyholder has no choice but to go to court.

When the data in the PCA database is changed, the policyholder must write an application to the insurance company to recalculate the insurance premium. The application must be accompanied by:

1. passport;
2. controversial insurance contract;
3. driver's license (if several drivers are registered, then their licenses as well);
4. vehicle registration certificate;
5. payment details (for transferring funds).

Important! Insurance organizations, by increasing the BMR, are trying to make a profit at the expense of the insured persons, which is illegal.

Step-by-step instructions for restoring KBM

Restoring discounts in specialized online services (for example, the KBMka portal) is carried out for a fee. However, the method allows you to return the discount 100% without waiting a long time for a response from PCA or the insurer.

Step-by-step instructions on how to return the KBM value (using the example of the site “https://kbmka.ru/”):

1. Go to the portal page.
2. Enter data: full name, date of birth, driver's license.
3. Check information about the coefficient size.
4. Click on the “Restore” button.
5. Pay for the service.
6. Wait for an answer.
7. Check information about the coefficient size.

The operation takes no more than 2 minutes. Data on KBM is automatically updated in all databases, including RSA and traffic police databases.