How to restore KBM after replacing rights (sample application)

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.

Documentation

In order for the KBM to be preserved when replacing rights, it is necessary to provide a package of documents.

current or previous MTPL policy;
document confirming accident-free driving;
copy of rights;
a copy of your general passport;
if additional persons are included in the policy who can drive the vehicle, then there must be copies of their documents.

A written statement by the driver is also attached. The text can be written in any form, but you must enter the following information:

driver data, including the place where the person was born and the date he was born;
Details of previous and current driver’s licenses are also entered here;
describes the situation that led to the appeal;
The organization to which the application is sent must be indicated.

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.

What is needed to maintain the coefficient

With car insurance, the bonus discount is often lost, and there are many reasons for this. Drivers are interested in how to preserve the KBM.

But to do this, first of all, after changing your rights, you need to contact the company that issued the MTPL policy:

Having replaced your driver’s license, you must immediately go from the traffic police to the insurance company to notify the manager.
After the application, an application is filled out to change the data in the insurance policy and in the accounting database.
You can save the coefficient without additional actions. Not much is required from the driver. A written statement is already a guarantee for the safety of the bonus in the future. In addition, this approach prevents you from overpaying for insurance in the future, waiting for claims to be resolved, and reimbursement of costs. All changes that relate to personal data should be immediately addressed to the insurance company by the motorist. A similar rule applies to the data that is specified in the existing policy. It is recommended that notices be given in writing only.
If a citizen promptly notifies the company about the replacement of rights, then in the future he has the right to ask the employee to make a discount on insurance, taking into account the data of his old documents.

In order to avoid possible complications, it is recommended not to change the information in the policy yourself, and also not to delay notifying insurers. After submitting the application, you must ask employees to make a copy of it and note that it has actually been accepted for work. This will allow the document to be used as evidence if anything goes wrong.

It is not recommended to agree to issue a new policy and other documents, since when changing rights it is enough to make changes in the policy and in the database. Updating the driver's data in the policy is the simplest and most free of all possible insurance procedures, which should not cause any difficulties for either the driver or the insurance company.

Changing data in the RSA database
How to make changes to the RSA database when changing your driver's license
Where to go
Who adds new rights to the RSA database
List of required documents
How to make changes to the RSA database after changing rights
What is needed to preserve the KBM
Services for restoring KBM in the RSA database online
Online services of insurance companies
How to enter data into the RSA database yourself
Making corrections to the KBM through the insurance company
How to restore a KBM with a guarantee in a few days
Where to apply for restoration of KBM through RSA
Where does the KBM value error in the AIS database come from?

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

Reso guarantee OSAGO calculator

The procedure for issuing a new driver's license due to the loss of the previous one is not very different from the procedure for replacing it due to expiration.

The main difference is that the State Traffic Inspectorate may assign an additional inspection, during which you will be issued a temporary permit with the entry “Certificate under inspection.” This temporary permit is certified by the signature of an official and the seal of the State Traffic Inspectorate.

The validity period of the temporary permit is indicated by an official of the State Traffic Inspectorate. But this period cannot exceed two months. This means that no later than two months later you must be issued a restored license (although this will happen if the traffic police have no reason to refuse to issue a driver’s license).

The grounds for refusal to issue rights are the following:

failure by the driver to provide the necessary documents required for issuing a driver’s license;
the driver's license for which the application is being submitted is counterfeit or does not comply with the established standards;
documents submitted to the traffic police have corrections, erasures, crossed out characters, extra letters or numbers, and also have entries made in pencil;
the information provided by the driver is not genuine;
the car is wanted;
deprivation of the driver's right to drive vehicles.

The state fee for issuing a temporary certificate is paid separately and amounts to 500 rubles. The state duty can be paid directly at the traffic police department.

To restore your driver's license, you must submit the following documents:

application for a driver's license to replace a lost one;
passport or other identity document;
a certificate of temporary registration (if you are applying to the traffic police at a location other than your permanent registration);
receipt of payment of state duty.

It is important to keep in mind that if an additional verification of the documents and information provided is ordered, you may be required to provide a document confirming your completion of training (if it contains information about the issued driver’s license) - the so-called Driver Card. And don’t forget, before starting the procedure for obtaining a reinstated driver’s license, check for any unpaid fines and pay a state fee of 2,000 rubles

And don’t forget, before starting the procedure for obtaining a reinstated driver’s license, check for any unpaid fines and pay a state fee of 2,000 rubles.

The registration and issuance of a restored driver's license is carried out on the day of submission of the application, if the State Inspectorate has no complaints about the documents and information provided by you. When issuing a duplicate driver's license, the temporary permit issued during the additional check is withdrawn, even if its validity has not yet expired.

It is quite possible that a driver who has received a reinstated driver’s license will discover his lost license. In this case, the driver must hand over the found license to the traffic police.

If a driver's license is stolen or lost, a new driver's license is issued without passing exams or compulsory medical examination. In this case, the previously established validity period of the driver’s license does not change. However, if you have a valid medical certificate, then when you present it along with other documents, you will be issued a restored driver’s license with a validity of 10 years in place of the lost one.

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- application to replace a driver's license

Restoring KBM if there are no old policies

MTPL price calculate

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.

Why may the MSC change when rights change?

Bonus-malus is one of the forms of rewarding drivers who are careful and follow the rules. It depends on the continuous driving experience and the number of accidents involving the car owner. When applying for compulsory motor liability insurance, the price of the policy will be reduced in proportion to the amount of the CBM.

Information about each driver’s license holder who has taken out insurance for the first time is entered into the unified RSA database. Subsequently, the driver accumulates a certain history, which affects the size of the insurance policy and, accordingly, the cost of insurance renewal. Responsibility for the completeness and accuracy of the data entered into the database rests with the insurer. Why is the bonus lost and who is to blame for this?

Driver information has changed

Driver details include the following information:

Full Name;
series and license number.

A discrepancy between the data provided by the car owner and those already in the database leads to the system seeing a new client who is assigned a minimum KBM. This is what most often happens when an ID is replaced. The operator enters a new document number into the database, and its owner is automatically assigned a KBM value equal to 1. As a result, the cost of insurance changes.

This is not beneficial for a driver with extensive experience and a careful driving style, since he has to pay significantly more for the policy. However, the insurance company employee is not at fault in this situation. Responsibility for timely notification of a change of license lies with the car owner. Less commonly, the reason for incorrect assignment of the CBM is errors when entering rights information into the database.

Some car owners, on the contrary, use this feature of liability insurance to their advantage. For example, those responsible for road accidents, especially several. For them, the extension of compulsory motor liability insurance at the minimum KBM will be much more profitable.

There was a break in the insurance period

The continuity of the insurance period directly affects the value of the BMR. It is tracked by insurance renewal. Thanks to the unified information system of PCA, even a change of insurance company does not affect the calculation of length of service and the size of the discount: they are taken into account and applied when concluding subsequent contracts. If there is a break in the length of service lasting more than a year, then the KBM already existing at that time is reset to zero, and the accumulation of the bonus begins anew.

Changes have been made to the policy

Registration of a policy with an unlimited number of persons also leads to a change in the BMR. When renewing such insurance for the same vehicle, the bonus value from the last concluded MTPL agreement is taken. If the car owner previously insured only himself, then when taking out open insurance, the CBM is transferred.

If the car was purchased recently, then for one owner the bonus remains the same. When taking out insurance for an unlimited number of people, the KBM is equal to one and its new accumulation begins - this rule applies to everyone who will be allowed to drive the vehicle.

Other reasons

Bonus-malus does not apply if the MTPL agreement is concluded for less than a year. But at the same time, the insurance period is taken into account when calculating the length of service. In the future, an accident-free history, even in such a short period, may cause a reduction in the cost of contract renewal.

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).

Procedure. Application to insurance

Back in December 2015, the law obliged the insurance company to consider appeals from drivers when difficulties or errors in insurance arise. The Investigative Committee is unlikely to ignore your appeal, because... there is responsibility for this.

You can contact both the insurance company whose services you use now and the one with which you plan to insure yourself in the future. Almost all websites of serious insurance companies have special forms for requests, with the ability to attach scans of documents. Everything is also provided for the restoration of the KBM.

If there is no such information on the insurance website, you can send a request by email, regular mail or personal visit to the office. The application form is free, addressed to the head of the company. You can also indicate in your request that you have contacted other authorities in order to speed up the process.

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.

What is needed to maintain the KBM coefficient

There are many situations due to which it was not possible to save the driver’s bonus malus (DBM) according to the RSA database. But in most cases, the policyholder is to blame. That is, if you replace your driver’s license or change your last name, always notify the insurer about the changes. Although KBM restoration is available to any policyholder, it is better to prevent such a situation from the beginning.

In order to restore the MTPL discount after replacing your license, go to the insurance company office and write an application there requesting changes to the car insurance form. Usually, when replacing a driver's license at the beginning or middle of the insurance period, a special note is added to the existing form. If the policy expires, you will be able to receive a new form with the data already changed.

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.

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.

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.

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.

What to do if the insurance company refuses?

If a driver who has changed his license has lost his MTPL discounts and the policyholder refuses to restore the coefficient, the person has the right to file a complaint with the RSA. The application must indicate :

Information about the applicant.
The reason for the loss of the KBM. In this case, it will be a replacement driver's license.
Date of contact with the Investigative Committee and the essence of the response received.
Request to restore the coefficient.
Date and signature of the applicant.

The application must be accompanied by: