Bonus-malus coefficient (BMF). KBM classes for OSAGO: table. KBM 1 class 3 - what does it mean?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Not every driver knows what KBM classes are. At the same time, understanding such issues is not only useful, but also profitable. Let's analyze the question from the very beginning, that is, for such a car owner who does not even know how KBM stands for, and look into some of the subtleties of its application.

Compulsory insurance

Each car owner, along with other documents, must have OSAGO with him. This is compulsory motor third party liability insurance. Thanks to policies, all drivers are thus protected. If a traffic accident occurs, the insurance of the guilty party of the accident pays the injured party to restore the vehicle. And if harm was done to he alth, then for recovery.

This type of insurance has a system designed to encourage drivers to drive safely. Moreover, the measure applies specifically to the perpetrators of the accident. It is implemented through KBM classes. Learn what they mean and how they work.

KBM classes

MBM stands for bonus-malus coefficient. The bonus is received by the driver who does not get into accidents, the culprit of which is himself, and the malus, that is, the reduction of the coefficient, respectively, is received by the one who initiates the accident.

Crash-free driving can last for many years. But insurers, of course, are not interested in reducing the cost of the policy to zero. Therefore, they provided a threshold, after which the cost of insurance is no longer reduced. That's 50%.

There are drivers who drive according to all the rules of the road for many years and do not violate them. It would be unfair if they had to pay as much as those motorists who hardly recognize the rules on the road.

So, the maximum coefficient is 0.50. To achieve this result, you need not to get into an accident for 10 years.

Downgrade or loss of discounts

Even having received the maximum discount, you should not think that it is given forever without any conditions. If the driver gets into an accident, becoming its culprit, then the discount goes down and reaches one, after which you will have to move again for a long time to the coveted 50%. But if the driver got behind the wheel recently and his discount is small, then as a result of an accident it will not only be reset to zero, but the cost of insurance will even increase.

From the point of view of conscientious drivers, this is more than a reasonable measure: if you drive in a way that poses a danger to others, pay more for your policy!

A lot of accidents happen just because of the ineptitude or dishonesty of drivers. Only such people will pay more only in those cases when they get into an accident through their own fault. Therefore, in case of minor incidents, it would be much better for them to agree with the injured party and resolve the issue without calling the traffic police. Then both will be satisfied (since there will be no need to waste time and nerves on interacting with the insurance company), and others (since the discount on the policy will remain the same as it was).

By the way, you need to know that the KBM classes for OSAGO do not apply to trailers. Also, it will not be taken into account if the policy is issued for a citizen of a foreign state or a vehicle for transit.

CMD class for OSAGO: table

So, based on the table below, you can calculate your CBM. The horizontal line indicates the class of the driver at the beginning of the period of validity of the insurance policy. Depending on the drive for the year (accident-free or with an accident, with subsequent insurance payments), one or another KBM class for OSAGO is assigned for the next year. The table consists of fifteen classes, where "M", meaning "maximum", is assigned to the pen alty box.

What class does a first-time driver get?

In the first insurance year, the driver is assigned class 3. Let's use this example to learn how to understand the KBM classes. The table, if you look at the first vertical row, contains a class, and if you look at the second - 1. This is its coefficient. It turns out,KBM 1, class 3. What does this mean?

If in this year of driving the driver does not get into traffic accidents (look at the third column), then in the next insurance period he will have KBM - 0.95, class - 4, respectively. Then the discount will be equal to five percent. However, if an accident occurs during this period, then he will be assigned class 2, where the BMR is 1, 4. Then you will have to pay 40% more for insurance.

Beginners behind the wheel should be very careful, because in case of two or more accidents, the CBM will become maximum and will be equal to 2.45. But during the next year of accident-free driving, the third class will return to the driver, and he will again not have to overpay for the insurance policy.

MBM equal to 0.5 means the maximum fifty percent discount. But if such a driver gets into an accident, then he is assigned the 7th class, which corresponds to a coefficient of 0.8.

Several drivers are registered in OSAGO

If the insurance policy is issued for several drivers, the CBM is considered special. The largest coefficient is taken as the basis. For example, if four drivers are included in the insurance, three of which have it equal to 0.7 or less, but only one has 0.9, the insurance will be calculated based on the last MSC, that is, taking into account a ten percent discount.

CBM with unlimited insurance

If you intend to buy a compulsory insurance policy that can be used by an unlimited number of people, KBM is considered differently. Based on the data of the owner of the car.

It is important to keep in mind that ifpreviously purchased a policy for a limited circle of persons, and then it was decided to reissue it to an unlimited one, then it is necessary to enter into it separately those persons who were included in the policy with a limited circle of persons. Otherwise, the KBM classes of the latter will be lost.

How to check the bonus-malus ratio?

Please note that KBM is not included in the unified database of the Russian Union of Motor Insurers. It contains only information about previous car insurances. But the coefficient is calculated and checked directly at the insurance company when a driver buys a policy. ICs are required to apply the CBM classes for OSAGO, as well as enter into the database information about accidents in which the driver was involved in his car.

Therefore, it is in your insurance companies that you can check the KBM and provide relevant information.

However, you can find out about this in other ways. For example, by going to the RSA website and contacting the KBM database there. To do this, you will need to write down your VIN code or state number of the car and information about the owner.

Rarely (because it is not an obligation) insurance companies indicate CBM in the insurance policy. Therefore, sometimes it is sufficient to carefully study the document. The number can be indicated next to the name of each of the drivers or in special marks.

On many sites today there are also online calculators with which you can easily calculate your KBM. Thus, you can learn it yourself.

MDB database

Sothe insurance company takes data for calculating the coefficient from the database of the Russian Union of Motor Insurers. They are paid directly by the insurance companies that have insured the drivers. This feature should be remembered especially by those who decide to change their SC to another. It is best for them to take a certificate from the previous insurance company, where the KBM will be indicated. The fact is that some of them may enter information at the wrong time or forget about it, there may also be problems with loading the system, and so on. Therefore, it is better to play it safe and personally bring a document proving that you have a certain coefficient so that you do not "accidentally" reset it.

Discount Features

The following information should be considered in this matter.

Until recently, a discount for accident-free driving was listed for a specific car. When selling it and buying a new one, the driver had to re-start his insurance history. When identifying the shortcomings of this system, it was decided to abandon it. Now all the number of how many KBM classes exist relates directly to the driver. Therefore, it does not matter what car he drives and in which insurance company he purchased the OSAGO policy. The main thing is accident-free driving.

Selected questions frequently asked by drivers

Let's consider a few separate situations.

What to do, for example, to one of the drivers who is inscribed in OSAGO and changed his driver's license? In the case of a valid contract, you should immediately contact the UK. Policyholder innotifies the insurer of this in writing so that the latter makes adjustments to the information base of the Russian Union of Insurers.

Another question of interest to motorists is how the CBM is determined if the insurance contract is not limited by the number of drivers, so that in the past the contract provided for limits on their number. In this case, the insurance company assigns the class specified in the insurance contract. How does the IC act if the situation is the opposite, that is, the previous insurance contract had no restrictions on the number of persons, and the new one was concluded on conditions with restrictions? In this case, the insurance company is obliged to reduce the BMF.

Class 3 - what does this mean for the driver? In addition to the fact that this class is assigned to the one who got behind the wheel for the first time, if the driver has not concluded an OSAGO agreement for more than a year, whatever discount he had before, it burns out, and he again receives a class, as if he got behind the wheel for the first time. That is, KBM 1, class 3.

What does it mean for the driver if he does not provide full information about the accident at the conclusion of the contract? An incorrect calculation will be detected by the system immediately. Therefore, the insurance company in this case imposes pen alties on the driver. They are expressed in 1.5 kbm. That is, next year the payment will increase by 1.5 coefficients.

Conclusion

We've looked at what BMF classes mean, how they're calculated, applied, and verified. Drivers need to remember that it is important not only to be able to drive a car and follow all existing traffic rules.movement. It would also be useful to understand some related issues, such as, for example, insurance and its subtleties, that is, our topic today. Then he will feel confident behind the wheel, at the same time saving his money.