How can I get my money back for KBM under compulsory motor liability insurance in 2021?

Quick links

1. When can you return an overpayment under compulsory motor liability insurance?
2. How to return an overpayment under an MTPL policy
3. How to return overpayment for previous MTPL policies
4. Instructions for filling out a letter to the Central Bank
5. What to do if the insurance company asks for the originals of previous MTPL policies?
6. What needs to be done to get a refund?
7. How to restore a discount under OSAGO

It's no secret that the KBM directly affects the cost of the MTPL policy, therefore, after the restoration of the KBM, the cost should decrease, but the contract has already been concluded.

When can you return an overpayment under compulsory motor liability insurance?

You can return the overpayment under MTPL after you have restored the KBM only if, when converted to a new KBM, the price of the policy should become lower, which is quite logical. For example, let’s take a situation in which you are the only driver under the policy and your BMR has become lower, or you had the highest BMR of all drivers, or the BMR has decreased for all drivers included in the policy, then the overpayment under compulsory motor liability insurance can be returned.

To summarize the introduction, let’s say that it is almost always possible to return an overpayment under compulsory motor liability insurance after restoring the KBM, and in this article we will tell you exactly how this can be done with minimal labor costs.

Also, at the beginning, it is worth drawing your attention to the fact that the maximum amount of overpayment is 80% of the cost of the MTPL policy. Such an overpayment may occur if before the restoration the BMR was 2.45, and then decreased to 0.5.

Why restore?

Already in the second year of validity of the MTPL policy, if you have not had an accident, you have the right to receive a discount on insurance in the amount of 5%. On the second and third, the discount will be 10 and 15%, respectively, and after 10 years of accident-free driving - the full 50%. Bonuses tend to accumulate and it’s sad to lose them, because in this case, you will be forced to pay more.

KBM should be restored:

• to reduce the cost of the MTPL policy;
• to inform the insurer about the reason for the loss of bonuses, for example, about changing a driver’s license (this is the client’s obligation under the contract).

The discount may be lost or reduced if there was a break in insurance for more than a year or if you were involved in an accident during the last insurance period. In this case, there is nothing to restore - the KBM was increased legally.

But it happens that the discount is lost, for example, due to the mistake of the insurer, who did not transmit information to the RSA. In this case, everything can be easily restored using the old policy form and other documents. Recovery time most often depends on the method, but usually does not exceed one month.

How to return overpayment for previous MTPL policies

If you want to return the overpayment for earlier issued MTPL policies, then you can also try to contact the insurance company with the same application, but it is unlikely that the insurance company will approve it. Typically, insurers refer to the expiration of the insurance contract. However, do not despair, because there is a way out of this situation, although it will be a little more difficult.

So, here's what you need to do to get your money back for overpaid CBMs on past policies:

First of all, you need to write and send a letter to the Central Bank.

After this, the Central Bank sends a request to your insurance company for the claim, demanding information about the CBM in the previous policy, and provides it to you.

Once this information is provided to you. You will see all payments from past policies, as well as any overpayments under the CBM that your insurance company owes you.

This letter will need to be provided to the insurer along with your details, to which within two weeks you will be transferred the amount of overpayments for all previous policies in which it should have been accrued.

What needs to be done to restore the discount and return money for previous years?

To restore or correct your KBM, you need to contact the insurer who allowed the incorrect data to be transmitted. This can also be done via the Internet.

For example, IC Rosgosstrakh offers the opportunity to submit an online application for inspection and restoration of KBM. To do this, you need to fill out a special online form for verification of the KBM to be sent to the company. It states:

1. status of the person: legal or physical;
2. selecting the nature of the appeal (you need to select “Check of KBM according to OSAGO”);
3. the reason for petition;
4. attached documents.

If you do not want to apply via the Internet, then you need to make a written application and send it to the company, for example, by registered mail. There is no need to contact RSA about this, since this organization does not have the right to make changes to the database.

Drawing up an application to the Investigative Committee and sending it by registered mail

If you have already purchased an MTPL policy, for example, from IC Rosgosstrakh or another company, then you can demand not only to correct the incorrect KBM, but also to recalculate and return the overpaid amount. The application must then not only state the reasons for the appeal, but also make a convincing recalculation of the underpaid amount.

What you need to indicate in the application:

• series, number and date of issue of the MTPL policy;
• personal data of the policyholder;
• state registration plate;
• series and number of the vehicle state registration certificate;
• series and number of the old and new VU (if it has changed);
• date of birth of the driver-insured.

You must also indicate the bank details where the overpaid portion should be sent. Typically, such requests are responded to quite quickly and the MSC will be changed within a couple of days.
The deadline for consideration of the application is 10 days and cannot be violated, as established by the law “On Compulsory Motor Liability Insurance”. If the insurer refuses to recalculate you, then you have the right to send scans of complaints to Central Bank and RSA. Please note that the response from the regulator may take at least 30 days. If the insurer's response says that the BMR has been adjusted, then you need to check the BMR again via the Internet and make sure of this. Accordingly, the amount of the overpayment will appear in your account. We wrote in detail about how to check and calculate the KMB under compulsory motor liability insurance here.

For example, if your class was burned due to an insurer’s mistake, then it will be 3, as for a novice driver. In this case, the cost of insurance will be more than 10 thousand rubles. If the class is higher, say 13, then the price of the policy will be 5.1 thousand rubles. Thus, due to a simple inaccuracy, you can overpay for insurance by almost double.

Required documents

In order for your complaint or application to look convincing, you need to attach documents in the form of scans (if documents are submitted via the Internet). The following documents will need to be attached to the complaint:

• a copy of MTPL insurance with a minimum KBM (if the indicator is now at level 1);
• a certificate of no payments from the insurance company where you purchased the policy before;
• copy of the passport;
• a copy of the car registration certificate, driver's license;
• copies of policies with the correct BMR value (if there are many of them and you are trying to correct the coefficient).

These important documents must not be neglected, otherwise your application will not be considered. When contacting via email or the regulator’s website, you should not submit a complaint in the form of a message in a letter - only in the form of a scan with attached documents.

Important: At the time of submitting your application to the insurer, you must have a valid MTPL policy.

Checking the coefficient on the RSA website

To find out and return your KBM, you need to fill out an online electronic form at RSA or at the Electronic Insurance Center. The form for checking the KBM on the RSA website indicates:

• natural or legal person;
• limited or unlimited number of drivers;
• FULL NAME;
• Date of Birth;
• driver's license series and number;
• start date of the contract/addition of the driver to the contract.

Next, you need to click on the “Search” button and you will see your KBM indicator. The page will display all the information on the latest contract: policy number, series, start and end dates of the policy, KBM and name of the insurer.

Instructions for filling out a letter to the Central Bank

• applications for refund of overpayment.
• Enter your data into the template columns
• Sign and date.
• Copy the current MTPL policy and attach it to this letter.
• Also attach a copy of your driver's license on both sides.
• All together must be folded into an envelope and sent to the Central Bank at the address indicated at the top of the template on the right.

Deadlines for decision-making by relevant organizations

In accordance with current legislation, any organization that receives a request from a citizen must respond to the request in writing within 30 days. The answer must be clear and detailed, without vague formulations, and contain information about the decision made. If a violation actually took place, then the insurer must return to the citizen the excess amount he paid for the MTPL insurance policy.

In the worst case scenario, when none of the organizations was able to restore the correct and current value of the bonus-malus coefficient, only the last option remains. But you should resort to it only if you are absolutely sure that you are right. Then you need to contact the prosecutor's office of the Russian Federation or the court directly.

What to do if the insurance company asks for the originals of previous MTPL policies?

The requirement to provide originals of past OSAGO policies is absolutely illegal and has no place to be a requirement. It usually works with those who are simply unaware that the insurance company has no right to make such a claim. But thanks to our article, you will be aware and will not fall for the trick of an unscrupulous insurer. Moreover, you are not obliged to keep your old MTPL policies.

Thus, when you come to the insurance company with a letter where your current and past discounts will already be recalculated (you will receive this letter in response after you contact the Central Bank) to write an application for a refund, and if the insurer does not take your application for a refund of the overpayment , trying to refuse you under the pretext of not having the originals of these policies, there is no need to argue with them.

Features of the return procedure

If the insurance company that once sold you a policy closed or went bankrupt and for this reason did not transfer your data to the RSA database, then only the RSA or the regulator can help. In this case, submit an application according to the procedure described above and do not forget to attach a copy of the old MTPL policy so that you can check the accuracy of your statements and recalculate. Recalculation may take at least a month.

After replacing your driver's license, you may also lose your KBM if you do not inform your insurer about this.

In this case, in the application, in addition to the above information, you must indicate the old and new driver’s license information and ask for a recalculation of the cost of the policy using the correct coefficient. In case of loss of rights and their replacement, you must also ask the insurer by means of an application to retain the previously assigned KBM.

The letter can be made by registered mail with a list of attachments. If there is no response within 10 days, then you can safely file a complaint with the regulator. Many intermediaries on the Internet also offer the ability to quickly restore KBM. Their services are quite inexpensive - up to 500 rubles. In this case, you will also be required to submit an application and attachments to it, and then the intermediary will do everything in 2-3 days.

What needs to be done to get a refund?

Write a statement in free form with the following content:

• I ask you to pay the money due to me, according to the letter (attach a copy of the letter from the insurer with the new BMR), by transferring it to my bank account using the attached details. Full name, date, signature.
• Specify details for transfer
• Send all this to the postal address of the nearest office of your insurance company.
• After this, the Insurer will be obliged to return the overpaid money to you.

Actions in case of termination of work of the insurance company

Unforeseen situations periodically occur in the insurance market, as a result of which some insurance companies may cease to operate or lose their license to carry out insurance activities. In connection with these unpleasant events, situations may arise when a company that has ceased operations did not have time, was unable or did not want to enter all the necessary information into the unified database of the Russian Union of Auto Insurers.

The situation is not standard, but not critical either. If such a case occurs, the car owner should contact RSA. The application is made using a completed application form of the established form. The form indicates: the reason for the application, the driver’s personal data, key information about the current MTPL insurance policy and the previous MTPL policy. RSA staff will need to take into account all your key information. When applying for a new MTPL policy, your new insurance company will need to take into account all new information from RSA.

Other organizations

• KBM restoration service

  The KBM restoration service will allow you to quickly and with minimal financial costs submit an application to the RSA to recheck your KBM data and restore your discounts.

• The MTPL discount has disappeared

  There are a number of reasons why KBM may not be able to penetrate the RSA database. The most common reasons are presented in the article.

• KBM platform

  Restoring KBM through the platform is many times more convenient than contacting RSA directly. This saves you time and money and guarantees results.

• How to save KBM when changing rights

  One of the most common reasons for the loss of KBM is the replacement of rights, so it is important after replacing the rights to do everything correctly so that the discounts are transferred from the old rights to the new ones.

• How to restore KBM

  Most people do not know that KBM can be restored, and therefore annually overpay insurance companies for an MTPL policy. However, this situation can be easily corrected.

• How to return an overpayment under compulsory motor liability insurance after restoration of the KBM

  It's no secret that the KBM directly affects the cost of the MTPL policy, therefore, after the restoration of the KBM, the cost should decrease, but the contract has already been concluded.

• Restoration of KBM

  Situations often arise in which drivers need to restore their KBM, which was lost after the last OSAGO policy was issued or before.

• Return of KBM

  Returning an incorrectly calculated KBM is not an easy task, but we will tell you the best ways to do this with minimal investment of time and money.

Overpayment due to incorrect ratio

An overpayment for an MTPL policy may occur when an insurance company employee applied an incorrectly established KBM coefficient, which resulted in an overestimation of the cost of the auto insurance policy. This misuse of a variable can occur under the following circumstances:

• Insurance agent error. When entering information about the policyholder into the database, the insurer's employee may make a mistake. Even a discrepancy of one number or one letter will lead to an incorrect identification of the driver, which will entail the use of the wrong KBM.
• Change of insurance company. Employees of the insurance company are obliged to send adjustments for a specific driver to the RSA based on the results of the insurance period, but they do not always conscientiously treat their duties, especially if the policyholder changes insurers. In this case, even if the personal information about the policyholder is correctly filled out, the new company will apply the incorrect KBM coefficient.
• The company cited an error in the system and applied a BMR of one. This behavior is typical of small insurers. Practice shows that this is a direct violation of the law and such actions are considered fraudulent.
• The insurance company closed. In the process of liquidating an insurance company, regardless of the reasons for this, the last thing the insurer's employees think about is their clients. As a result, they may fail to transmit the policyholder's information to the PCA at the right time, resulting in the new insurance company applying the wrong BMR.
• Replacement of driver's license. The KBM is tied to a specific citizen of the Russian Federation and is determined based on his last name, first name, patronymic, date of birth, series and driver’s license number.
  If a driver’s license is replaced, the policyholder is obliged to notify the insurance company, which, in turn, must update the data in the RSA database. If someone in this chain fails to fulfill their obligations, then the next time the compulsory motor liability insurance is issued, the system will consider the policyholder a new driver.

To be sure that your KBM is correct, you need to check it. It can be calculated using a special table, and you can also check the bonus-malus coefficient using the RCA database. This coefficient is important, as it will allow you to save on the cost of the MTPL policy; you can find out more about this here.

Brief summary

It is difficult to predict the development of events in our lives. If you are faced with an incorrect calculation of the KBM, then you should not turn a blind eye to it . After all, if you are a careful driver and avoid getting into an accident, you have a perfectly legal right to receive a well-deserved discount when taking out insurance. There is no reason to pay extra money to insurers.
If, nevertheless, the calculation of the KBM was made incorrectly and you paid an increased price, then you should immediately file a corresponding claim.
It is better to immediately send the appeal to the insurance company, the Russian Union of Auto Insurers and the Central Bank of the Russian Federation. If the fact of an erroneous calculation of the bonus-malus coefficient is confirmed, then you will be entitled to a refund of the overpaid amounts. Always stand up for your rights. Post Views: 463

All necessary documents for returning KBM

Any request for the return of KBM under MTPL policies must be supported by a package of relevant documents. Their list does not look super long and in most cases collecting the required documents will not take very much time. So, you will need to prepare the following documents in advance:

• original passport and its copy of the owner of the insured vehicle;
• original and copy of the applicant's driver's license;
• a statement addressed to the organization, written in free form;
• if possible, then all MTPL policies that were issued in previous years.

In connection with the last point in the list of documents, it is strongly recommended not to throw away MTPL policies that have already expired. They may come in handy if you return the KBM.
If the originals have not been preserved, you can order copies of previously concluded insurance contracts from insurance companies. Such an order can be made through a special form, which is available on the websites of insurance organizations. As practice shows, it takes approximately 5 days to create a copy of the contract. This service itself is free for the applying citizen. If you plan to contact several organizations, then you should worry about preparing a sufficient number of copies of the necessary documents in advance. All together, this will shorten the entire procedure for returning KBM under compulsory motor liability insurance.