How to restore KBM 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.

Article on the topic: OSAGO policy without payments in case of an accident, what it is and how to get insurance

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: Tax on insurance payments under compulsory motor liability insurance

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 resetting the KBM

In this article we will try to talk in detail about the reasons for resetting the KBM and how it is possible to prevent the loss of the discount on compulsory motor liability insurance. Let us immediately remind you that there are 15 classes of KBM, each of which corresponds to a certain value, and the lower it is, the greater the discount on compulsory motor liability insurance. The BMC value ranges from 0.5 to 2.45. The first four classes (class M, 0, 1, 2) are assigned if the driver is at fault for one or more accidents. The third class, which is equal to one, is assigned to all novice drivers, and most often reset to zero occurs before the third class. For each year of accident-free driving, the KBM class increases by one point (for example: from class 4 to class 5, while the KBM value changes from 0.95 to 0.9). According to the new amendments of 2021, this happens once a year on April 1, provided that the driver was included in the OSAGO policy with a limited list of drivers. That is, after a novice driver has been assigned class 3 KBM (equal to one), his bonus-malus coefficient will improve every year, giving an additional five percent discount on compulsory motor insurance, and so on until it reaches the maximum - equal to 50 %, which corresponds to 13th grade. Well, now let’s take a closer look at how the BMC can be reset to one or the class suddenly becomes smaller randomly.

1. Replacement of rights. The most common is to reset the KBM to 1 when replacing a driver’s license. This often happens because the driver did not inform his insurance company that his license has changed. But there are cases that information about the replacement was transferred to the insurance company, but the KBM from the previous driving license was not preserved on the new license, then this is explained by a technical failure in the system of the insurance company or RSA.

2. Technical failure in the RSA system. Due to failures in the system of the insurance company or the RSA database, the KBM may suddenly be reset to zero, or for example, the KBM class may drop by several points, for example, it was class 12 (that is, kBM = 0.55), but suddenly became class 4 (that is, kBM = 0.95) . Unfortunately, this happens, but we can say that it is very rare. Technical failures can still occur when you take out an MTPL policy. At the time of registration, the BMC may be equal to 1 (this may be when RSA tech is working on the server). And if you take out a policy with this value, then next year the BMR will be 0.95.

3. Break in insurance. If a driver has not been included in the MTPL policy for a whole year, then according to the RSA regulations, his KBM is reset to 1. A gap in insurance can still be obtained if the driver’s data is indicated with an error. It is important to always check which car insurance policy is used for a particular driver. A mistake can be made either accidentally or intentionally, for example by an unscrupulous insurance agent.

4. Errors in data when applying for a policy. It is enough to indicate a different number in the date of birth or in the series and number of the license, as well as indicate the full name incorrectly, and it will be considered that a different or non-existent driver will be included in the policy. In the future, this will lead to the fact that a break in insurance will be counted and the BMI will be reset to zero.

5. Data duplication. At the moment, the problem of doubling the KBM is no longer relevant, since in 2021 the system was updated so that this error would not be repeated. But until 2021, this defect has worsened the KBM for many drivers. The bottom line is this: the driver’s KBM could show different values ​​on different dates of the same year. This happened if it was included in several policies for different cars at once, while the contracts used different values ​​of the BMR (for various reasons).

The main reason, which is provided for and prescribed in the regulations of the RSA system, after which the class of the coefficient changes for the worse, is the presence of an accident. The change occurs according to the table presented below.

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.

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.

What to do if the wrong KBM is indicated in the RSA database?

The bonus-malus coefficient is a well-deserved reward for experienced drivers who do not cause an accident. KBM at its maximum reduces the price of a car insurance policy by half. This makes it unpleasant when the bonus malus accumulated over many years of accident-free driving suddenly changes, becoming larger or even dropping to the standard value of 1, which is usually used when calculating compulsory motor insurance for inexperienced drivers. In this article we will look at how to return the BMC to the correct value. But first, let's look at the reasons why your coefficient may have been calculated incorrectly:

• If you changed your driver's license during the last year of driving, then the insurance company may have forgotten to indicate the number of the new license in the AIS RSA database. In this case, the discount returns to the 3rd class (coefficient = 1). This may be the reason why your KBM was changed.
• If you have been included in several auto insurance policies in the last year, then confusion may also have arisen. For example, in your first policy you had a KBM of 0.5 and you were the only driver included there. And in the second policy there were several drivers included in the insurance, and their bonus-malus class was lower than yours. Since the general KBM is issued on the policy for the driver with the lowest class, the insurance company could calculate the wrong KBM for you. Therefore, before you start restoring your CBM, check how many policies you were included in.
• The reason for the restoration of the KBM can also be a human factor, when the insurance company employees simply made a mistake when entering data into the AIS RSA system.
• Finally, the insurance company could have been liquidated and therefore the data on your last OSAGO policy was not entered into the electronic PCA system.

Now let’s look at the driver’s actions, how to correct the KBM in the AIS RSA database. Firstly, it must be said that this database unites all insurers under compulsory motor liability insurance and entering information there at the end of each year of compulsory insurance is a mandatory condition. At the same time, only insurance companies, and not the RSA itself, can enter information there and restore the KBM. The Union of Automobile Insurers here assumes rather the role of an intermediary between the driver and the insurance company.

If you find that your KBM is incorrectly listed in the database, then the best and correct solution is to apply for the restoration of your KBM. The form for such an application is posted on the RSA website. To restore KBM in Moscow, Yekaterinburg, St. Petersburg or anywhere else, just fill out this application, explain the situation and send it by email to the Russian Union of Auto Insurers. The application must also be accompanied by scanned copies of identity documents: passport and driver’s license. To restore the bonus-malus ratio, it is also advisable to attach scanned MTPL policies for previous years. They will be a confirmation of the error that occurred in the AIS SAR.

An application for restoration of the KBM is considered within 30 days, after which the RSA must respond to your application. In addition, it is possible to submit an application for restoration of the KBM to the insurance company.

If appealing to the RSA does not help, then you can try to restore the KBM OSAGO through the court. In this case, you need to collect all the documents that can only confirm your bonus-malus: certificates from insurance companies, copies of compulsory motor liability insurance policies, copies of driver’s licenses of drivers included in your policies, etc. It will also be useful for many to know that when purchasing compulsory motor liability insurance, the cost can be reduced not only through CBM, but also through other methods. Read more on the page “How to buy cheap MTPL”?

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.