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.

Checking the current KBM

The amount of the bonus-malus coefficient consists of taking into account the parameter of the driver’s accident-free driving experience in his car. If he drove for a whole year without fines or getting into an accident, then he has the right to count on a 5% discount. In two years, the size of the KBM will increase to 10%. The maximum discount is 50%. Then the MTPL policy will cost only half the price.

Not all insurers want to provide clients with discounts, so they are not very concerned about the safety of information and the correct calculation of interest. Data may be lost or not transferred to a single database. So car owners themselves must take care of maintaining their rights and benefits. Information about the driving quality of drivers must be stored in a single database of the Union of Automobile Insurers (RSA), and information about the provision of discounts is also entered into it.

You can check the current value of the BMC in two ways:

1. Using a special table.
2. Send a request to RSA online on the organization’s official website.

Calculation scheme:

• for the first 12 months of using MTPL, the driver receives a coefficient equal to “1” with the assignment of class 3;
• you need to calculate how many insurance claims the driver had in a year, how many road accidents he was responsible for;
• in the absence of emergency situations and requests for insurance payment, after a year the class will increase to 4th, and the bonus will be equal to 0.95;
• if there was one accident, the class will drop to one and the coefficient will be set at 1.55, and the price of the policy will increase by 55%;
• in case of two or more incidents, the driver is assigned the lowest class “M” and a KBM of 2.45.

The easiest way is to use the unified RSA database to determine the current level of BMR.

If a car insurance policy is issued for two people, then the cost of insurance is calculated at the maximum value of the bonus coefficient in proportion to the quality of driving of each driver. Let's give an example. One driver was assigned class 9 with a coefficient of 0.7, and the other was assigned class 5 and a BMR of 0.9. As a result, for both of them the cost of a KBM vehicle will be set at 0.9.

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.

Correction of the coefficient in the RSA system

Car owners most often have to overpay money under compulsory motor liability insurance due to an erroneous calculation of the discount amount. Today the amount of insurance premiums is impressive.

And I would like to save money on car insurance. If you drive without accidents, you can pay much less for the policy, but practice shows that this is not always the case. Fairness and recalculation of the coefficient can only be achieved by sending letters to the appropriate authorities.

Insurance companies do not always send information about KBM to the RSA database or the information is reflected incorrectly. In this case, the policyholder must pay a larger amount than required by the rules established by the Central Bank.

Often, when asked by a driver about where his savings discount went and how to return lost data, insurance company employees shrug their shoulders and send the client to various authorities, including RSA. In fact, it is useless to waste time and apply for data recovery to the Union of Auto Insurers. This authority does not provide such services, as reported on its official website.

You can write a statement to three authorities:

• insurance company to correct the mistake;
• RSA about the presence in the database of information about the accrual of KBM;
• The Central Bank with a complaint against the two above-mentioned structures.

Sending requests can be done in several ways:

• take it to the office and personally hand it over to the company employees so that they can mark and accept the application for work;
• send a request by email;
• go to Russian Post and send your application by registered mail with notification.

By law, organizations are given 30 days to consider appeals. They must inform the applicant of their decision by providing a detailed response in writing.

If the request is granted and the CBM value is restored, the insurance company that issued the motor vehicle insurance policy must return a percentage of his premium to the driver. You will also need to write an application for a refund. If the client’s request was rejected and the coefficient was not corrected or restored, then you can contact the Prosecutor’s Office or the judicial authorities.

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.

Where to contact for a refund

So, you have the necessary documents in your hands. What to do next? There are exactly three options for action in the initial situation. Firstly, you can contact a specific insurance company, due to which an error occurred in calculating the bonus-malus coefficient. Yes, they are reluctant to consider applications of this kind.
After all, few people can, in all honesty, admit a mistake on their part. Help : you need to understand the motive of insurance companies: consciously or not, they all want to provide themselves with profit and their employees with decent wages.
However, this is not at all a reason for not complying with Russian legislation. They must accept the application for a refund for consideration and carry out the appropriate verification procedures. But not every company promptly responds to such requests. Then you need to take other actions.

Secondly, you can contact the Russian Union of Auto Insurers directly. They represent the interests of the entire insurance market and have significant influence in controversial situations. But do not forget one important thing: employees of the Russian Union cannot make changes to the single base on the basis of which the bonus-malus coefficient is calculated. This data is entered by employees of insurance companies, which, in part, is one of the main reasons for the incorrect calculation of amounts for compulsory motor liability insurance.

Who else can influence the insurance company

If appeals to the two above authorities did not give a positive result, then you need to contact the insurance market regulator. Currently it is the Central Bank of the Russian Federation. It is he who can pay close attention to the activities of a particular insurance company. An audit may be ordered or a report on the company's activities may be requested. The regulator has enough pressure levers of its own.

applications to the Central Bank of the Russian Federation: application for refund of overpayment under compulsory motor liability insurance

A request for a refund can be sent in any of three ways:

• through a special form on the Internet;
• during a personal visit to the company with a mandatory note on acceptance of documents;
• by registered letter.

Next, there will be a period of waiting for a response. By law, any organization has 30 calendar days to process an appeal. During this time, a detailed response must be provided to the applicant. In practice, there are cases when none of the organizations discussed were able to restore the current value of the bonus-malus coefficient. In this case, the only option left is to appeal to the Prosecutor's Office of the Russian Federation and the court.

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.

Where to go to return KBM

If you are sure that when you took out a new insurance, the incorrect bonus-malus coefficient was applied to the formation of its price, then you should take the appropriate steps. There are three organizations that you can contact on this issue with the appropriate package of documents. The first of these is the insurance company itself, which made a mistake when calculating the BMR. Or the data this company constantly entered into the database was incorrect.

The second organization is RSA.
It is under the jurisdiction of this organization that there is a universal database of information on all insurance policies issued for all time. And the third organization is the Central Bank of the Russian Federation. This is the supervisory and regulatory body of the insurance market. Tariffs for compulsory motor liability insurance are also set by the Central Bank of the Russian Federation. Moreover, the Central Bank issues and revokes licenses of insurers. For a higher probability of a positive resolution of the issue, it is recommended to send appeals to all three organizations at once. Then your request will definitely be heard and considered.
You can send your request directly in 3 valid ways:

• via the Internet by going to the appropriate section and filling out all the necessary data to formulate a request;
• bring the request to the organization in person, and you must remember to mark the fact that the documents have been accepted for consideration;
• send all documents by registered mail, with the obligatory condition being sending a notification of delivery.

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.

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.

General information

Currently in Russian insurance there are 15 classes that can be assigned to drivers.

The maximum is 13th, the minimum is called M, and the driver who is insured for the first time starts from the 3rd class, increasing it in case of accident-free driving.

Each of the classes provides a certain discount to the cost of the insurance policy, so if you receive the maximum, you can count on purchasing insurance for half the cost.

To avoid problems with KBM, it is recommended not to change the insurance company and constantly use the same service, so the information cannot be lost and will not have to be restored.

Moreover, if suddenly the coefficient is increased, but there were no accidents, it will be necessary to restore the actual indicator, this is done through an official application to the RSA, this way the verification procedure is launched and subsequently, if the suspicions are really true, then the current size will be returned, and the driver will be able to receive what he is due give him a discount by returning the money.

Photo: KBM table

Basic Concepts

To understand the issue of the purpose of the CBM and its restoration, you should study the basic concepts that operate in the insurance industry and, of course, determine what it is, CBM.

This will help not only when an experienced driver applies for insurance, but also when resolving disputes that arise due to a failure or error of specialists.

What do you need to get a refund?

Since there are quite a lot of unforeseen situations in the field of insurance, there are also methods for returning the CBM, as well as subsequent demands for a refund of the overpaid amount, which can be done in the format of cash or a discount on future insurance policies.

There are various reasons for this, such as:

But in any case, if no accidents occurred, and the BMI increased, you should in any case understand the reason for such a change.

It is possible that when contacting the insurer, the error will become clear and the situation will be corrected without unnecessary action.

What regulations governs

The main law that regulates the field of compulsory insurance is 40-FZ “On compulsory insurance of civil liability of vehicle owners.”

It specifies who has the right to provide insurance services and what needs to be done to ensure that victims of accidents are not infringed on their rights.

In addition, the law also regulates who is financially responsible in the event of an accident and where the funds for damages come from.

If the driver drives without insurance, the inspector will be able to find out by checking the documents, since the policy is a mandatory document.

At the same time, for forgotten insurance the penalty will be 500 rubles and will be imposed under Article 12.3 of the Code of Administrative Offenses of the Russian Federation.

Moreover, in the case when the policy was not issued at all or is expired, and the driver is not included in the insurance, then Article 12.37 comes into force; depending on the details of the violation, its different clauses apply.