How to check the driver's KBM on the PCA database: solutions

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

Often, when applying for an OSAGO policy, you can hear such a thing as "bonus-malus coefficient". What is the essence of this definition? What can he be? Can you find out on your own? How to check the driver's KBM on the PCA database? This article will help you find answers to all these questions.

KBM: the essence of the concept

This concept appeared quite recently - 3 years ago. Then the state wanted to minimize the costs of motorists, namely, to reduce the cost of OSAGO insurance for the so-called accident-free drivers. In other words, if the car owner did not become the culprit of a traffic accident during the insurance period, then he can count on a certain amount of discount. The amount of benefit for the driver determines the same KBM.

Varieties of KBM

KBM can take different values. Its exact size depends on the accident-free experience of the driver. The more years the car owner has not been in an accident, the more profitable it will be for him to buy an OSAGO policy. To help drivers identify their own MSC, the following table would be correct:

ClassKBM	Bonus-malus coefficient
13	0, 5
12	0, 55
11	0, 6
10	0, 65
9	0, 7
8	0, 75
7	0, 8
6	0, 85
5	0, 9
4	0, 95
3	1
2	1, 4
1	1, 55
0	2, 3
M	2, 45

At the beginning of the driving experience, class 3 KBM is given, that is, a motorist cannot count on any discount. The following year, subject to accident-free driving, he becomes the owner of class 4, that is, he can qualify for a 5% discount and so on. In other words, with each successful year of driving, the discount on the purchase of an OSAGO policy increases by 5%. The maximum benefit of a 50% discount should only be expected if the motorist has not been in an accident for ten years or more.

But, unfortunately, the size of the discount can not only increase, but also decrease: the more insured events, the higher the cost of OSAGO. So, especially "unlucky" car owners may have to pay 2.5 times more than the basic cost of car insurance.

Below will be a table showing how theKBM class depending on the number of insured events.

Class at the beginning of the insurance period	Class at the end of the insurance period, taking into account the number of insurance payments
	4 or more cases	3 cases	2 cases	1 case	0 cases
M	M	M	M	M	0
0	M	M	M	M	1
1	M	M	M	M	2
2	M	M	M	1	3
3	M	M	M	1	4
4	M	M	1	2	5
5	M	M	1	3	6
6	M	M	2	4	7
7	M	M	2	4	8
8	M	M	2	5	9
9	M	1	2	5	10
10	M	1	3	6	11
11	M	1	3	6	12
12	M	1	3	6	13
13	M	1	3	7	13

How to check the driver's MSC based on PCA for each year

Unfortunately, there is no special service on the official website of auto insurers (RSA) that allows you to calculate a discount on the purchase of an OSAGO policy. The only thing that is here for this is the above table. However, there are many other sites that allow you to do this. So, for example, by following the link https://librax.ru/proverka-kbm.html, you can easily and quickly check the KBM on the PCA database for each year.

To do this, you will need to fill in the following items:

• number of drivers who will be allowed to drive the subject of insurance;
• date when it is supposed to issue a new OSAGO insurance;
• full name of drivers;
• their date of birth;
• driving license numbers.

After that, it remains only to click on the "check" button, after which the information of interest to the user will be displayed.

How to check the driver's MSC in the PCA database if an error occurs

Drivers do not always manage to get the required data the first time. There can be 2 reasons for this:

1. User entered data incorrectly. Solution: check all fields for errors.
2. The driver has changed his driver's license since the purchase of the last OSAGO policy. In this case, in order for the KBM check against the PCA database to be successful, you should enter the data of the old "rights".

Example of self-calculation

To find out the cost of the OSAGO policy in the next insurance year, the following simple calculation example will help. So, let the date of purchase of this insurance is November 11, 2015. For this period, the value of the class and the bonus-malus coefficient has already been determined. For example, they accept the following indicators: class 6, KBM - 0.85. To find out what the coefficient will be for the next insurance period, you should do the following (the table that has already been given above will help with this):

• See the line where the class is 6, and the CBM is 0.85. Then, depending on the number of insurance payments in this insurance period, you can determine your class for the coming year. That is, if we consider the values from the example, then in the absence of an insured event, the class will be equal to 7 (KBM - 0, 8), if one insurance situation occurs, the class will be equal to 4, with two - 2, with three or more - M.
• After determining the CBM class, you can easily calculate the discount on the new compulsory auto insurance policy. The first table in the article will help with this.

After such simple manipulations, you can find out the approximate cost of car insurance for next year. If the calculation causes any difficulties, then the best way in this case would be to check the KBM against the PCA database using special services. They will help you quickly and easily solve this problem.

Now we know how to check the driver's KBM on the PCA database. Therefore, it only remains to wish the drivers a happy journey.