How to determine the driver class for insurance?

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

With the rise in prices for OSAGO, many motorists shy away from issuing a policy. Such a decision cannot be called deliberate, although the desire to save is understandable. There is another, legal way to reduce the cost of the policy - accident-free driving. In this case, a driver class is assigned. How to identify and use it correctly, read on.

Background

Today, such a concept as "driver class" is most of all used by "experienced specialists" who worked in the Soviet Union. Then the graduation began. Each driver sought to obtain the rights of the 1st category. For this, the decision of the State Committee for Labor introduced a bonus to the salary. The enterprise was also proud of its leaders. Today, there is no such mandatory gradation. But if the director introduced it at the enterprise, then he can no longer cancel it. This is spelled out in clause 3.8 of the Federal Agreement on Road and Ground Transport.

Group

How to determine the driver class according to the old scheme? There are onlyThere were three and they were ranked from largest to smallest. The basis for the division was the number of open categories in the rights:

• "A" - motorized transport;
• "B" - passenger car;
• "C" - trucks;
• "D" - bus;
• CE is a heavy vehicle with a trailer.

How to determine driver class?

3 grade

This group included drivers who had open categories "B" and "C". There was another gradation. Instead of "C", "D" could be opened.

2 class

The presence of the rights of category "B" for this group is not required. At the same time, it was necessary to have a permit to drive a bus (“D”) and heavy vehicles with a trailer (“CE”). Permissible conditions: "B + C + CE" or "B + C + D" or "D + CE". The rights of this category were issued after three years of continuous driving.

1 class

The leaders were people who had all categories open. Although it was noted that the presence of a permit to drive a motorcycle is not required. As in the previous case, the first category license was issued after two years of continuous driving of a truck.

Changes

This gradation was used before. How to determine the class of the driver today? The process has become more complicated, as new categories have appeared in the document:

• "BE" - a car with a trailer;
• "CE" - truck with trailer;
• "DE" - a bus with a trailer.

For the rights of the first categoryopening "BE" and "DE" is optional.

Classification for OSAGO

"Autocitizen" includes a certain list of classes. There are only 13 of them. There is a minimum class among allowed drivers. How to define it? If the driver does not have an insurance history as such, then it is assigned the value "1" by default. This means that when calculating the cost of the policy, all factors were taken into account, except for the driving history. With a decrease in the number of applications to the company for payments per year, the driver class is constantly increasing.

In parallel, the CBM indicator is calculated. With it, you can reduce your annual fees by 5%. A person who has been assigned the highest category "13" can receive a 50% discount when paying for the policy. Getting into an accident causes an increase in the price of the policy and a decrease in the class.

Drivers who are assigned the lowest class (M) purchase a policy with a surcharge of 45% of the flat rate. This situation occurs if a person applied for payments to the company more than four times a year.

Policy cost

When calculating the cost of the policy, the class of the driver plays a decisive role. How to determine it will be discussed in detail later. The essence of the calculations is as follows: the higher the class, the lower the price. The cost of the policy is determined based on four factors. Let's consider them in more detail.

Vehicle type

Tariffs are prescribed separately for buses, freightand cars. Separately, there is a division into makes and models of vehicles based on the statistics of their accidents. Coefficients for regions are formed on the basis of data on accidents in all cities. Novice drivers receive the highest coefficient, while experienced drivers receive the lowest.

Driving history

Based on this indicator, the BMR value is calculated. As mentioned earlier, the bonus-malus ratio affects the cost of the policy.

Driver class

On which site can I determine the class of the OSAGO driver? RSA. Here is a special form for calculation. It is necessary to enter personal data (full name, date of birth) and certificate number. In response to the request, all information on the driver will appear, that is, his insurance history. This information is used not only by consumers of services, but also by insurers. A story about a particular person can be found even if he changed his last name. Every insurance company has a similar database.

All companies, when signing a contract with a client, must enter his data into the PCA database. It does not matter whether this person was previously a client of the company or not. Insurance history is formed according to data from all insurers. This is written in Art. 9 Federal Law No. 40 "On CTP".

How to determine the driver class for insurance through the site? If a person applies for a policy for the first time, then first all the information is entered on the website of insurers. If he subsequently applies for payment, then the informationis corrected. Data on the nature of the damage, the amount of payment are entered. Even if after a while a person turns to another company, all information about him is saved. The new insurer will check the entire history in the PCA database. Here's how to determine the driver's class under OSAGO according to the PCA.

Checks

Any driver can also check their information on the insurer's website. This must be done annually when purchasing a policy. When calculating the cost of a policy, it is impossible to exclude the factor of human error. The contract spelled out the sequence of payments. If discrepancies are found, then you should contact the company to obtain a decryption. Usually this situation occurs when changing insurers. If they refuse to carry out detailed calculations, then you will have to contact the prosecutor's office.

Claim

To appeal the cost of the policy, you must submit an application in which you indicate:

• the essence of the claim is a listing of violated rights;
• detailed description of circumstances;
• a request to take action against the insurer and file a case against officials;
• personal data.

Documents are reviewed within a month. Usually, after such a procedure, the company makes all the calculations.

KBM

Before, the CBM was calculated separately for each vehicle and reset to zero if it was sold. Accordingly, the discount on the purchase of the policy was reduced. A person who bought a new car had to collect points again and againupgrade class. Since 2016, the calculation method has changed. The coefficient is assigned to the person himself, not to the car.

You can also find out the KBM, how to determine the driver's accident-free class. The first option is to view the information on the PCA website. Option two - look at the table below.

Class at the beginning of the year	KBM	Class at the end of the year ()
13	0.50	13 (7)
12	0.550	13 (6)
11	0.60	12 (6)
10	0.650	11 (6)
9	0.70	10 (5)
8	0.750	9 (5)
7	0.80	8 (4)
6	0.850	7 (4)
5	0.90	6 (3)
4	0.950	5 (2)
3	1, 0	4 (1)
2	1.40	3 (1)
1	1.550	2 (M)
0	2.30	1 (M)
M	2.450	0 (M)

If a driver applied for a payment once during the year, then for the next year his class will be as indicated in brackets.

How to determine the driver class of the car at the end of the year? You need to find in the table the value of the category that was assigned to the driver at the beginning of the year, and compare it with the number of applications for payments. An experienced driver is assigned the highest class "13" and receives a 50% discount (CBM=0.5) for the purchase of a policy. How to determine the class of the driver at the beginning of the year? It is equal to the number of years of driving experience.

Example

The insurance company assigned the driver a class "5" for accident-free driving and sold the policy at a 10% discount (BMF 0, 9). If during the year while the policy is valid, the driver applies for payment, then the next time he will be assigned a class "3". If there are no applications to the company during the reporting period, then class “6” will be assigned with CBM 0.85. That is, he will be able to buy a policy with a 15% discount.

Subspecies of KBM

Insurers divide this ratio into three more types:

• driver's - determined for each driver at the time of insurance;
• vehicle owner;
• calculated is used in cost calculation.

There is also a maximum and minimum value of the indicator. The first one provides a discount on the purchase of a policy. Atthe minimum value of the policy is sold for 100% of its value. With a further decrease, the cost of the policy rises.

Application

The coefficient is applied differently to compulsory and unlimited OSAGO. The first category includes contracts under which the number of persons allowed to drive a car is limited. Accordingly, no limits are set in policies of the second category.

The coefficient is determined for each driver separately. The calculation uses the indicator taking into account information on all drivers. Let's say the driver has kept the driving class for the current year. The discount will be provided not to the owner, but to a specific driver. If the owner of the car changes during the year, the KBM will not be recalculated. The increase in the value of MSC for the next year will be carried out in relation to those persons who were responsible for the accident.

Cost calculation

Calculation is carried out according to this algorithm. At the first receipt of the policy, the driver is assigned the third class. If during the year there was not a single accident with his participation, then next year the class will be increased. If there was one application for payment, then the category will remain the same. If there were two or more hits, the class is reduced to "M". With each category increase, the KBM class decreases. Accordingly, the discount increases. For example, when switching to class "4", the driver is assigned a KBM of 0.95, which means the right to receive a discount of 5%.

Factors

KBM directly depends on accident-free driving. Coefficient assignmentis carried out under the OSAGO policy, the validity of which ended a year ago. Existing contracts are not taken into account. That is, if it is not possible to calculate the driver's CBM, the class "1" is assigned by default.

The experience of the driver also matters. The owner of the vehicle and persons authorized to drive will be considered separately. The class is recalculated at the moment when it is necessary to make payments for an accident in which the driver is guilty. This reduces the insurance premium. The discount on the purchase of the policy remains even if the client has changed the insurance company.

Reflection of information in the policy

Under the law, it is not required to enter the driver's and owner's KBM data into the policy. But the insurer can do this on the basis of an internal order of management. Usually such information is written opposite the full name. the owner of the car and each authorized driver. Sometimes an entry is made in the "Special Marks" column.

Conclusion

OSAGO insurance is thought out with a reward system for experienced and careful drivers. With a long experience and proper driving, the client receives a 50% discount on the purchase of a policy. When making calculations, drivers are divided into certain categories. How to determine the minimum driver class? Given the number of claims for payments and driving history, you can view the corresponding indicator on the PCA website or in a special table.