Class "bonus-malus" - what is it? How to find out the "bonus-malus" class?

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

The cost of the policy includes a base rate, which varies according to certain coefficients. They depend on the power of the car, the experience and age of the driver and other parameters. One of the coefficients is the "bonus-malus" class. What it is? How to calculate it? What does this indicator depend on? Read the answers to these questions later in the article.

Definition

PCA has introduced a coefficient that is used when calculating the cost of OSAGO for a specific driver and car - the "bonus-malus" class. What it is? Given the change in the cost of the base fare, today it is a panacea for careful drivers who have a long record of accident-free driving. For persons who were responsible for the accident, it can have the opposite effect - increase the cost of the tariff by 2.5 times.

Bonus Malus Class (MBM) is a discount for careful driving. Insurance companies are interested in careful drivers. In order to somehow reward them, the tariffs provide for coefficients that provide discounts to customers. Insurers have developed an indicator of KBM, which is responsible for accident-free driving and provides for a discount of 5% for each year. Only accidents in which the payment was made are taken into account.

Since OSAGO insures damage caused by the owner of the policy to third parties, in this case only accidents caused by the client are taken into account. Incidents, including those registered without the presence of traffic police officers (except for the European protocol), are not taken into account. The subject of the contract is the responsibility of the driver, not property. For unprofitability, fines are provided, which can greatly increase the cost of the policy. That is, for an accident-free ride, the client receives a “bonus”, and for the fact that he became the culprit of the accident, he receives a “malus”. Hence the name of the indicator.

How to determine the class of "bonus-malus"?

By default, KBM is not included in the PCA database by the company - it contains information about previous contracts drawn up for a person and a car. This indicator is calculated by the agent upon the fact of the citizen's appeal. He must also enter information into the PCA database after the expiration of the current contract. This obligation is enshrined in the Federal Law "On OSAGO". In practice, it is rarely performed. You can check the "bonus-malus" class not only at the insurance company, but also through the PCA website. In a special form, you must specify the VIN code, full name. and passport information. The result will be presented as a fractional number up to 2, 45.

Types of odds

There are 13 classes of MSC - ranging from drivers without experience and beyond, depending on the number of accidents and insurance payments for them (the policyholder may be the victim, not the culprit of the accident).

Class at the beginning of the period	Class bonus-malus ratio	Class at the end of the period depending on the number of payments
		0	1	2	3	4 or more
M	2, 45	0	M	M	M	M
0	2, 30	1
1	1, 55	2
2	1, 40	3	1
3	1, 00	4
4	0, 95	5	2	1
5	0, 90	6	3	1
6	0, 85	7	4	2
7	0, 80	8
8	0, 75	9	5
9	0, 70	10			1
10	0, 65	11	6	3
11	0, 60	12
12	0, 55	13
13	0, 50	13	7

According to this table, you can easily find out the bonus-malus coefficient. The procedure for calculating and the practice of applying this indicator will be discussed in more detail below. The general rules for using the table can be seen in this example. The driver has the fifth class KMB. He purchases an OSAGO policy with a coefficient of 0.9. If he drives for a whole year without an accident, he will receive the sixth class and a 15% discount. But if the driver provokes an accident, then the class is reduced to 3. If there are 2 accidents, then to 1. The whole process will resume. It is only possible to upgrade the class by one per year. If within 12 months the driver has not been insured under OSAGO, then the information about him in the PCA database is automatically reset to zero.

Examples

A person on August 9, 2014 for the first time bought an OSAGO policy for a year. Over the past period, he never got into an accident. To himthere is a discount for the "bonus-malus" class. How to find out its size? Initially, the driver is assigned the third class and the indicator value is 1. After a year of careful driving, he will be assigned the 4th class and the coefficient value is 0.95.

A more complex example. On August 8, 2015, a person insured a car for the first time and has not had an accident for 5 years. In 2020, he was responsible for two accidents. In this case, the “bonus-malus” class will be increased. What it is? For five years of "break-even" the driver earned himself an 8th class of KBM. But after two accidents, the indicator fell to the second with a value of 1, 4.

How MSC applies to open and limited insurance

According to the document "On bid limits", the class is calculated according to the owner's data in relation to the vehicle. According to the agreement, there is no limit on the number of persons allowed to drive a car. The discount is determined based on the data on the owner of the vehicle and the class that was previously. If such information is missing, then the owner is assigned class 3.

If the policy is issued for an unlimited number of drivers, the coefficient is determined for the owner of the car. KBM is a characteristic of the driver, his manner of driving a vehicle, not a car. If up to 5 people are included in the policy, then the coefficient in the event of an accident is reduced only for the person responsible for the accident, and not for all drivers.

If the third person was previously included in the limited insurance contract, andthen the driver decided to issue an OSAGO with a large number of drivers, then in order to save the discount in the policy, you need to specify someone else (friends, relatives or acquaintances) so as not to lose the earned coefficient.

How does MSC apply to limited insurance?

In this case, the cost of the policy is calculated according to the minimum class of persons entered into the policy, and the history is kept for each driver. Example: for the first driver, the KBM shows 0.6, for the second - 0.9. When calculating OSAGO, the value 0, 9 will be used.

Mistakes

Sometimes a driver has a good accident-free record, but when checking the data, a low “bonus-malus” class is displayed. What it is? There are two possible reasons:

• the driver was not insured during the previous calendar year and was not present in another policy as a person admitted to drive the vehicle;
• the insurance company simply did not enter the information into the PCA database.

The second problem is the most common. And the point here is not the negligence of employees, but the fact that information is entered into the database manually. Therefore, mistakes or forgetfulness are possible. The bad news is that you will have to go to court to restore the "fail safe". First you need to prove that the bonus has been reset. You can do this by contacting the insurance company or by checking the information on the website yourself. Next, you need to submit an application directly to the PCA, in which you indicate the previous and current numbers of OSAGO policies so that employees can make sure that you have not had any accidents. Next, you should file a complaint against the insurer with the Central Bank of Russia. If these measuresif they don't help, you'll have to go to court.

Restrictions

Often an OSAGO contract is concluded for a period of less than 12 months. The driver is en titled to a discount for "profitability" - the "bonus-malus" class. How to find out the amount of savings? No way. By law, MBM only applies to policies that have a 1-year validity.

Conclusion

Insurance companies are interested in experienced drivers who drive well for a long time. In order to encourage such persons, the MSC coefficient was developed. He is responsible for rewarding "profitable" drivers and punishing those who often get into accidents. How to calculate the bonus-malus class? For each year of careful driving, the driver receives a 5% discount. If there is an insurance payment, the coefficient increases, and the client has to pay extra money for the policy.