OSAGO classes and their definition

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

The cost of OSAGO policies, although regulated by the Central Bank, is not the same for all drivers. There are so-called OSAGO classes, which are assigned to car owners based on several factors. The article describes in detail what the OSAGO insurance class is: how to determine this indicator and what it affects.

Accident free discount

When renewing a policy, insurers check whether there have been accidents in the past period. This is not done out of idle interest. If a person drives carefully and does not get into traffic accidents, he is en titled to a discount on car insurance services of up to 50%. That is, the cost of the policy is adjusted by a factor called bonus malus (MBM).

Why is the insurance company willing to pay extra for careful driving? It benefits her. Let her lose part of the profits by making a discount, these costs are less than if she had to pay compensation in an accident. Therefore, car owners are encouraged to improve their driving skills by providing a 5% discount for each year of “adventurous” driving. This is a bonus. But for careless driving, leading to problems on the road and the cost ofinsurance compensation, malus fines are charged.

Previously, this magic coefficient was tied to a specific car, which was very inconvenient. After all, when selling a car, the car owner lost all bonuses. Therefore, since 2008, the insurance history is associated with a person, not a vehicle.

Failsafe, but not really

OSAGO involves liability insurance, not property insurance. Simply put, those cases in which the insured is not responsible for what happened do not affect the cost of the policy. Only those accidents are taken into account in which the insurance payment took place (if the owner of the policy became the culprit of the accident). The rest of the accidents, which, for example, were registered according to the European protocol or were not recorded in the traffic police in any way, do not play a role.

If the car owner is not to blame for the accident, then his discounts will not go anywhere. As well as in the case if it is to blame, but "no one saw anything", and the participants agreed without notifying the traffic police.

MTPL class

Finally, we got to the very concept of "OSAGO classes". This term is closely related to the bonus-malus ratio we discussed above.

A special plate has been developed that regulates which coefficient value is assigned under certain conditions. As can be seen from the first two columns, the KBM corresponds to a certain class.

KBM	Surcharges and discounts	Source class	Changing the class taking into account payments
			0 accidents	1 accident	2 accidents	3 accidents	4 accidents
2, 45	+145%	M	0th	M	M	M	M
2, 3	+130%	0th	1st	M	M	M	M
1, 55	+55%	1st	2nd	M	M	M	M
1, 40	+40%	2nd	3rd	1st	M	M	M
1, 00	100%	3rd	4th	1st	M	M	M
0, 95	-5%	4th	5th	2nd	1st	M	M
0, 90	-10%	5th	6th	3rd	1st	M	M
0, 85	-15%	6th	7th	4th	2nd	M	M
0, 80	-20%	7th	8th	4th	2nd	M	M
0, 75	-25%	8th	9th	5th	2nd	M	M
0, 70	-30%	9th	10th	5th	2nd	1st	M
0, 65	-35%	10th	11th	6th	3rd	1st	M
0, 60	-40%	11th	12th	6th	3rd	1st	M
0, 55	-45%	12th	13th	6th	3rd	1st	M

Discountis calculated by subtracting one from the coefficient and multiplying the result by 100%. For example, if the BMF is 0.85, then the discount will be:

(1 - 0, 85) x 100%=-15%.

MTPL insurance class depends not only on how often the car owner gets into an accident, but also on his driving experience.

What determines the OSAGO class

The client who applied for the policy for the first time receives the standard 3rd class with a value of 1. After that, his insurance history is written.

Each year without an accident will reduce the coefficient. That is, when the policy is renewed, the 3rd class will change to the 4th with a bonus malus of 0.95 and a 5% discount. If there were accidents, then the class, on the contrary, decreases, and the price of the policy increases.

How to find out your OSAGO class

Now that we have figured out the terms, it's time to figure out how to find out the CMTPL driver class. In fact, to calculate the discount when issuing a policy, the insurance history of the car owner is required. Where is it kept?

If the car owner used the services of the same insurer, it is enough to contact your company. It will take an employee just a few seconds to check the CMTPL class according to the internal database and determine the cost of renewing the policy.

If the driver decides to change the insurer, he will have to ask the previous "guardian" for a certificate in form No. 4, which contains information about the accident history. The document is provided within five days.

However,this information is not always needed. Most insurance companies use the PCA database in their work and even provide customers on their websites with the opportunity to independently calculate the cost of the policy based on this data. Rarely, but it happens that the class is indicated in the policy.

Sometimes new companies will default to one newbie. You should not slow it down, because in this case, the insurance history will be lost.

Learn your class yourself

You can determine the OSAGO class yourself, without contacting the insurer. To do this, just use the above plate.

We have already de alt with the first two columns: these are classes and KBM. The remaining five columns indicate the number of insured events for the past year. 0 is no accident. Accordingly, 4+ indicates the presence of four or more accidents.

Column values are also classes. For example, a novice driver, who received the 3rd class and KMB 1 when applying for the first policy, traveled for a year without accidents. In the line with the 3rd class, we see that if the number of accidents is zero, the 4th class is assigned. If there was one accident, then the 1st. The 1st class corresponds to a coefficient of 1.55. We consider:

(1, 55 - 1) x 100%=55%.

So, the driver will pay 55% more when renewing the policy. But this is not the worst scenario. Now, if two or more accidents occur, then class M will be assigned, and it will take five years to get out of it and return to one.

Each time the price is determined, the insurance agentis guided by the line of the table that corresponds to the current class of the driver.

But you can do without calculations by visiting the PCA website and instantly recognizing your KBM by entering your full name and driver's license number in a special form.

If there are several drivers

What if the policy includes several car owners with different classes of OSAGO insurance? How to determine the price of the policy in this case?

In this scenario, the cost is calculated using the maximum coefficients. For example, three drivers are included in OSAGO: the first has a BMR of 0.6, the second has 0.7, and the third has 0.9. This means that a coefficient of 0.9 will be taken for the policy, and the discount will be 10%.

If there are no restrictions on the number of drivers, then the bonus malus depends on whether insurance payments were made for the previous period of the contract.

On unscrupulous insurers and technical errors

A reasonable question arises: why does a car owner need information on how to find out the class of an OSAGO driver, if all the data has long been entered into a common database, and specially trained people who know how to calculate the price of a policy sit in insurance companies?

The problem is that these employees do not always have a clear conscience. And they can take advantage of the client's ignorance to offer him a standard rate, thereby forcing him to overpay.

Even if the insurer intentionally does not change the class of the client, this may occur as a result of a technical failure or erroneous data entry.

If the OSAGO class in the policy isfor some reason will change, a new insurance history will begin - from the first class. And the driving reputation will be formed anew.

That is why it is not recommended to purchase fake policies for the sake of savings. After all, when a car owner renews OSAGO, the class of the driver is determined based on the history of his driving, and the price is calculated based on these data. If there is no such history, all discounts will expire.

How to save on OSAGO

The price of the policy is influenced not only by OSAGO classes, but also by other factors. For example, territorial coefficients vary depending on the locality. Some cunning drivers register their car with a relative who lives in an area where the territorial coefficient is lower, while they themselves drive under a general power of attorney.

It also matters who else is included in the policy besides the owner of the car. Insurance without limiting persons who can drive vehicles is much more expensive. And adding to the policy people who do not drive very well or just have a small driving experience for the time being is fraught with unnecessary costs.

Finally, if the car owner does not drive a car all the time, but, for example, only in the warm season, then it makes no sense for him to overpay for the whole year. It is enough to purchase a policy for several months.

Now we know what OSAGO classes are, what they are for, and how to determine them.