Calculation of KBM: we determine the discount for OSAGO on our own

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

The price of an OSAGO policy depends not only on the power of the vehicle, driving experience, age and place of residence of the driver, but also on how carefully he behaves on the road. Car owners who do not get into accidents (at least through their own fault) can count on a discount on OSAGO up to 50%. But those who are often to blame for an accident will pay 2.5 times more for insurance. How much exactly the discount or surcharge will be depends on the bonus-malus coefficient (MBM). So, what are the rules for calculating KBM?

Discount or pen alty?

KBM is otherwise called a discount for accident-free driving. If the driver has never been the culprit of an accident over the past year, it means that the insurance company did not have to spend money on compensation. For this, the client can be encouraged and next year you can sell him insurance at a discount - provide a bonus.

If the driver got into an accident, the insurer had to fork out for payments. And in order to compensate for their costs and at the same time encourage the unfortunate driver to be more careful on the road, the insurance company, extendingpolicy, will increase the price of OSAGO - will provide a malus.

Which accidents count?

To begin with, we note that not every accident affects the calculation of the MSC. OSAGO is liability insurance, not property insurance. Therefore, the calculation takes into account only those accidents in which the insurer had to make an insurance payment for his client.

If the driver in the accident is not to blame, or the incident was not registered with the traffic police, or the issue was settled according to the European protocol, then this does not threaten the car owner with an increase in the cost of OSAGO.

Table of bonus-malus odds

To determine the coefficient, such a table for calculating the KBM is used.

Surcharges and discounts	Bonus-malus coefficient	Source class	New class
			0 fear. payments	1 fear. payout	2 fear. payments	3 fear. payments	4 or more insurance payouts
145%	2, 45	M	0	M	M	M	M
130%	2, 3	0	1	M	M	M	M
55%	1, 55	1st	2	M	M	M	M
40%	1, 4	2nd	3	1	M	M	M
100%	1	3rd	4	1	M	M	M
-5%	0, 95	4th	5	2	1	M	M
-10%	0, 9	5th	6	3	1	M	M
-15%	0, 85	6th	7	4	2	M	M
-20%	0, 8	7th	8	4	2	M	M
-25%	0, 75	8th	9	5	2	M	M
-30%	0, 7	9th	10	5	2	1	M
-35%	0, 65	10th	11	6	3	1	M
-40%	0, 6	11th	12	6	3	1	M
-45%	0, 55	12th	13	6	3	1	M

The first two columns indicate the class at the beginning of insurance and the corresponding coefficient. The remaining columns of the table allow you to determine how the class and KBM will change in the presence or absence of accidents.

The column headings show the number of cases in the past period in which compensation was paid. Accordingly, the first column with the number 0 means that there were no accidents, and the fifth, with the number 4+, indicates that the person had an accident more than four times. The numbers and letters in the body of the table show how the OSAGO class changes depending on the number of accidents on the road through his fault.

Calculation of CBM is made according to the following principle. From the value of the coefficientone is subtracted, and the result is multiplied by 100%. When a person purchases OSAGO for the first time, he automatically receives 3rd class with KBM 1. Such a driver pays 100% of the cost of insurance - without any discounts or surcharges.

If the BMF is determined at the level of 0, 9, then it turns out: (0, 9 - 1)100%=-10%. This means that the driver is en titled to a 10% discount.

If the coefficient is 2.45, then: (2.45 - 1) 100%=145%. The cost of the policy increases by 145%, that is, the car owner pays 2.45 times more for insurance. This is the punishment for causing accidents on the road.

How to determine the coefficient from the table?

Before calculating the MBM, or rather, discounts or surcharges in accordance with the insurance history, you need to determine the class of the driver in order to know which coefficient to apply.

Let's say the car owner has recently received a license, bought a car and came to draw up OSAGO. He is assigned the standard 3rd class. A year passed, and he came to renew the insurance. An employee looks at the insurance history and finds out that in the past year, the client was not involved in any accidents.

The table shows that if there is no accident after the expiration of the annual insurance period, the driver moves to the 4th class, and its coefficient decreases from 1 to 0.95. When renewing the contract, the car owner can pay for insurance with a 5% discount. The next time, when applying for OSAGO, the insurer will already be guided by the line of the table corresponding to the 4th class.

If it turns out that during this time there was one accident due to the fault ofdriver, his class will change from 3rd to 1st, and the MSC will increase from 1 to 1.55. For insurance for the new year, you will have to pay 55% more. Further, the calculation of the KBM will be made on the basis of the line corresponding to the 2nd class. Only two years later, a person will be able to return the 3rd class and start earning a discount.

If the driver gets into class M, it will take him a full five years to reach the standard 3rd class again.

If several people are included in the policy, then the discount or surcharge is determined by the worst of the coefficients.

How do I find out my odds?

Extremely rarely KBM is indicated in the insurance policy. Therefore, in order to determine your OSAGO class and, accordingly, the size of the discount or surcharge, you will have to contact the insurer, calculate the KBM yourself using the table or use the PCA base.

When requesting a driving class, the insurance company is obliged to provide a certificate in form No. 4 with all the necessary information within five days. This document will come in handy if the car owner plans to change insurers.

On the PCA website, to find out the coefficient, you need to go to the “OSAGO” section and click the “Information for policyholders and victims” tab. Among other information services, you will also find the determination of the coefficient. To obtain information, just enter your full name and driver's license number in the form that opens.

So we learned what CBM is, why it is needed, and how to calculate it.