Increasing OSAGO coefficient: reasons, conditions, calculation rules, validity period and payments

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

The cost of an OSAGO insurance policy is regulated by the Central Bank of the Russian Federation. But, despite this, the price of all can not be the same. This is due to the increasing coefficients of OSAGO, which depend on various parameters.

OSAGO

The cost of an OSAGO insurance policy consists of a base rate and various coefficients. These tariffs affect the final price of the policy and can either increase the OSAGO insurance coefficient or lower it.

Car insurance rates:

1. CBM or bonus malus to the client (can reduce the cost of the policy by up to 50 percent and double the price).
2. Territory (depends on the place of registration of the vehicle, as well as the owner of the car). For drivers registered in districts and villages, the coefficient will be much lower compared to those registered in the metropolis. This is due to the fact that a large number of accidents occur in megacities.
3. Age and seniority. The price of the policy increases for drivers under 22 years of age and with little experience. This is due to the fact that they create a lot moreaccidents compared to other drivers.
4. Restriction (this coefficient is affected by the number of included drivers or the list without restriction).
5. Power. The more it is for a vehicle, the more expensive the insurance.
6. Violations (in case of violation of traffic rules and the presence of traffic accidents, the cost of OSAGO will increase).

The base rate (established by the Central Bank of the Russian Federation and the same for all insurance companies) is multiplied by all existing coefficients, and the final premium of the OSAGO policy is obtained.

KBM

In order to improve road safety, legislation has allowed insurance companies to use a special CBM rate that can adjust the insurance premium. KBM can reward drivers with an additional bonus or downgrade due to an accident. The meaning of its use is to increase the motivation of drivers to drive without traffic accidents. And insurance companies, with the help of KBM, protect themselves from losses when concluding a contract with newcomers or drivers who ignore the rules of the road.

KBM consists of two parts: bonus and malus. The bonus is a coefficient that reduces the insurance premium. And it is provided to the driver only if there is no traffic accident. The exception is an accident in which he becomes the injured party.

Malus is a multiplier for CMTPL, which is applied depending on the presence of an accident. The more accidentswhich the driver turned out to be the culprit), the higher the coefficient will become.

KBM affects the final insurance premium under the contract. Data on the multiplier coefficient of OSAGO after an accident are in a single PCA system. Each driver has his own coefficient, and if the owner of the vehicle wants to change the company in order to reduce the premium, he will be mistaken. Since the coefficient is in the general PCA system, it will be the same for all insurance companies.

Increased OSAGO coefficient after an accident can only be applied to the perpetrators of the accident. For example, if the owner of the car got into a traffic accident due to the fault of another person, then the MSC will remain unchanged. But if the driver of the vehicle turned out to be the culprit in an accident, then the accident rate will decrease, and, accordingly, the KBM will increase. For example, if the culprit had a maximum class of 13, a single traffic accident would result in a reduction of 7. The lost discount would be approximately 30 percent. In order to return to the previous class, it is necessary to drive a motor vehicle without accidents for approximately six years.

BMW downgrade conditions

In 2015, there was a jump in the price of OSAGO. This happened because of the decision to increase the sum insured under the contract. At the moment, the maximum insurance amount under the contract is 400,000 rubles. Due to its increase, there was an increase in the premium under the contract. To enable motor vehicle owners to purchase OSAGO insurance policiesat a lower price, it is necessary to drive the machine without accidents. Under this condition, the class of drivers will increase by one per year, and there will be an additional discount of five percent.

The maximum discount is 50% of the total cost of insurance, respectively, the highest class will be 13. In order to purchase the maximum discount, you need to drive without an accident for ten years.

Increased CBM

In the event of an accident, the OSAGO coefficient increases and the class falls. How much the class will drop depends on the position in which the driver was originally located. If he had a 13th class, then due to one accident there will be a demotion of 7. Drivers with a third class will have a demotion of two points. That is, the higher the driver's class was initially, the more he loses in levels.

For example, if a driver applied to an insurance company for payment within one calendar year, the rate will increase depending on the length of service:

• third to fourth - 1.55;
• fifth to seventh - 1, 44;
• from the eighth to the thirteenth - 1;
• a driver who had an accident more than three times during the year receives the maximum CMTPL multiplier of 2.45, which will increase the cost of insurance by 250%.

To return the previous accident class, you need to drive without accidents for several years and gradually increase it.

MBM for the victim

What is the multiplier factor for OSAGO after an accident if the driver was injured? The indicator should not increase if the driver isthe injured party. But sometimes you have to prove your innocence. When providing information to the PCA by insurers, an error may occur, and the increased coefficient is tied to an innocent person. To do this, you must contact the RSA with the conclusion of law enforcement agencies. Insurance companies cannot reduce rates on their own, as they use PCA information.

Timing

The standard term of the policy is one year (if necessary, the policyholder can buy a contract for up to twenty days and three months). The reduction or increase coefficient of OSAGO is valid only for contracts that are valid for one year.

For example, the owner of a vehicle with the fourth accident class and a five percent discount issued a policy for six months. After this period of time, he did not renew it, but issued a new one, while counting on a new discount of five percent. In the process of issuing a new policy, he found out that the accident class remained the same, and the amount of discounts did not increase. The coefficient remained the same, since the contract was not valid for the standard term.

Also, if the driver terminates the policy for certain reasons (for example, the sale or disposal of a vehicle), the coefficient will not change and remain the same.

Expiration period of increased coefficient

How long does the OSAGO multiplier after an accident last? In a standard situation, KBM is valid during the policyof the year. But after a traffic accident, there is a sharp decrease in the class and an increase in the coefficient. Moreover, the period of validity of the coefficient after the accident is tripled.

If the driver's accident class was 3 before the accident, then after it it dropped to one. Accordingly, the unit rate is 1.45. The driver will have to pay almost twice as much for insurance.

How long does the increased OSAGO coefficient after an accident work in this case? This tariff will be valid for three years. That is, the driver during this period of time will have to overpay for insurance. After four years, he will be able to receive the first discount of 5%.

Is it possible to change the multiplier coefficient of OSAGO after an accident

If there was a traffic accident, the culprit of which was one of the drivers, can he further reduce the MCF? This tariff cannot be changed and reduced immediately. How long does the OSAGO increase factor work? The increased coefficient is subject to change only after the expiration of three years. The main task of the culprit is careful driving during this period of time. Often beginners get into accidents several times a year. Accordingly, the KBM will be increased several times. Therefore, it is important not to get into an accident for three years.

Some drivers unknowingly after an accident are not included in the list of the OSAGO agreement. For example, the owner of a motor vehicle has included his son in the list of drivers. There was an accident, the culprit of which was the son of the owner of the car. For the next three years, the owner of the car purchases insurance without restriction of persons. After this period, he decides to include his son, since, in his opinion, the effect of the multiplier coefficient for OSAGO on road accidents should disappear. But the increased tariff remained with the culprit unchanged. This was due to the fact that driving information was not received, therefore, there was no change.

An important condition for reducing the coefficient after three years is the inclusion of the culprit in the list of drivers. And only after that there will be a change in the value of KBM.

The cost of the OSAGO policy and the list of drivers

The final price of the OSAGO policy depends on the drivers included in the management of a particular vehicle.

For example, the owner drove the car on his own for a long time and paid 4,000 rubles for the last time. Due to life circumstances, he decided to include his wife in the list (her experience is 2 years). The final premium of the agreement became equal to 6800 rubles. The increase in the cost of insurance was due to the inclusion of the spouse in the list of drivers. When calculating the cost of the policy, the program uses the highest coefficient of the driver. In this case, the accident class of the owner of the vehicle has not changed, but it will not be considered during the calculation of the policy.

FAC

When calculating the price of an OSAGO insurance policy, the coefficient of age and length of service is also applied. This tariff, as well as KBM, is of high importance for the cost of insurance. If the driver has more than three years of experience, and the age is from 22 years, then this coefficient will beequals one.

Increasing OSAGO coefficient by age will be applied if the driver is under 22 years old. In this case, a tariff equal to 1.8 or 1.6 will be applied - depending on the experience of the motorist.

Increasing OSAGO coefficient by experience will be if the driver has less than three years of driving experience. And, depending on age, it will be equal to 1.7 or 1.8.

The table for calculating the coefficient depending on age and length of service is shown below.

Age of drivers	Drivers experience	Final rate
Under 22 years old	Up to 3 years	1, 8
Under 22 years old	Over 3 years	1, 6
Over 22 years	Up to 3 years	1, 7
Over 22 years	Over 3 years	1

Specialists approved the threshold for driving experience, which is three years. It is believed that three years of continuous driving will lead to more professional driving.

The table shows that people under the age of 22 or without relevant driving experience will have to purchase an OSAGO insurance policy at a higher price.

RSA

The PCA system stores all information about drivers who insured the car or were included in the list under the OSAGO agreement. Many drivers claim that they should have a higher accident class because they have a lot of driving experience. Drivers believe that insurance companies deliberately raise the cost of the policy. In order to deal with the accident class, you can contact the PCA system. To do this, go to the official website of the Union of Insurers and leave an application for consideration of the class. To do this, enter all the necessary data about yourself in the fields.

An answer from the PCA will be sent to the driver's email. If there really was a loss of discounts, then you need to print the letter and go to your insurance company. Employees will be able to upgrade and get back overpaid cash.

In order for the accident class not to decrease, it is necessary to check all the entered data before signing the insurance agreement. Loss of discounts may occur due to an error in the driver's personal data. Also, when changing a driver's license, you must go to the office of the insurer and make changes to the policy. So, discounts on old rights will be transferred to new ones, and there will be no losses. If you come with new rights after the expiration of the policy, then all accumulated discounts will disappear, the accident class will become equal to three.

Tips

In order to reduce the cost of the insurance policy, you can not include in the list of drivers those persons who caused the accident. For example, if the wife has a multiplying factor, then the husband canremove it from the list. But in this case, she will not be able to drive a car. You also need to remember that the more the driver drives without accidents, the lower the fare becomes.

If the driver was the culprit of a traffic accident, but he needs to drive a motor vehicle, then the owner of the car can purchase insurance without limiting the list. In this case, any drivers with rights can sit behind the wheel of a car. But it is worth noting that the cost of insurance will increase by 80%.

All reliable insurance companies use the PCA database. Therefore, there is no point in contacting other insurance companies to reduce the rate. If the company claims to be able to provide a policy at lower prices, then it is worth checking the license of this insurer and their claims handling.

You can avoid the multiplier with careful and careful driving. After all, a traffic accident is not only an increased coefficient in insurance contracts, but first of all it is the life and he alth of people. According to statistics, the Russian Federation is in first place in terms of the number of traffic accidents, the result of which is the death of participants. No need to look for workarounds to reduce OSAGO insurance. It is better to prioritize road safety.