2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
In the article, we will look at how to find out the driver's KBM.
This is the so-called “bonus-malus” indicator, which is used when calculating the price of an OSAGO insurance policy. This coefficient allows the driver of a motor vehicle to receive a discount for driving without collisions. At the same time, the discount for the driver increases annually for accident-free driving and the cost of OSAGO decreases.
There are special ways to check the data of the insurance history, thanks to which you can make sure that the calculation of this indicator is correct. Such a check can be carried out in specially designed unified databases, which are designed to be informative, control the quality of insurance services provided and receive some discounts and bonuses.
How to find out the driver's KBM is interesting to many.
What is the bonus malus for?
The indicator of the "bonus-malus" coefficient is needed in order to be able to correctly calculate the price of the OSAGO policy. At the same time, the concept ofdriver class. Each class corresponds to a specific bonus-malus coefficient. A driver who purchases OSAGO insurance for the first time receives class 3 and KBM, which is equal to 1. Subsequently, this coefficient is calculated according to a special table that is available to employees of insurance companies and on Internet sites. Not everyone knows how to find out the driver's KBM class. If the driver did not cause an accident during the current year, then his class is increased by 1, and the KBM coefficient decreases. If due to the fault of this driver one or more accidents occurred on the road, for which the insurance organization made payments to other participants in this incident, then the driver’s class is reduced, and the cost of OSAGO increases next year. The final cost of OSAGO insurance depends not only on this coefficient and find out you can use the OSAGO calculator.
How to find out the driver's MSC?
You can find out the BMR for each driver using a special table that can be found on the Internet:
The calculation starts from the class 3 line. For each accident-free year, it is necessary to go down one line. Each emergency year, you should move to a line that corresponds to the number of insurance payments. If the driver has not been included in the OSAGO during the year, then his class is 3. During the application of an open policy (with an unlimited number of drivers), the KBM changes only directly for the owner of the vehicle. The rest of the drivers cannot be considered insured.
Here's howfind out your KBM and driver class for OSAGO.
Theoretical values
Please note that this table only provides theoretical BMF values. In practice, this value is often much higher than in theoretical calculations. This is due to the fact that cunning insurers sometimes deliberately do not enter MSC into the PCA database, and they do this in order to receive more money for the same insurance. At the same time, drivers who are poorly versed in this topic and who have not previously calculated the price of OSAGO easily fall for the hook of an unscrupulous manager.
Incorrect calculation
Practice shows that when buying OSAGO insurance, the cost of the policy is incorrectly calculated in almost every second case. If we consider each of these cases separately, it turns out that managers just make random mistakes. Yet in practice, such deception appears to be systematic.
How to find out which KBM the driver has, we told.
Methods for checking insurance history
For drivers, it is no secret that the cost of OSAGO insurance significantly depends on the bonus-malus coefficients, and it, in turn, is made up of indicators of driving experience, age and accident rate, and is stored in the PCA database. However In addition to this database, there is another system called the Bureau of Insurance Histories. This is an automated information database that stores data on insurance contractstransport. BSI is not a commercial organization and its main goal is to obtain reliable data on motor vehicle insurance contracts. The creator of the RSA bureau, which finances and supports this project. The main goal of creating the BSI is to identify fraudsters who deceive insurers. This is due to the fact that before the creation of a single database, many customers could hide the presence of insured events when concluding an insurance contract and thus received a discount for accident-free driving.
Is it free?
RSA, which is the main operator of the BSI, does not charge for posting and storing information. As part of their functionality, insurance companies, individual clients and the Central Bank can receive information from the BSI absolutely free of charge. Thus, insurance institutions can independently check the presence and absence of an insured event, and apply the appropriate coefficient when calculating the size of the insurance premium. According to OSAGO agreements, the client can count on a 5% discount for each accident-free year. Under the terms of CASCO, such a discount is set on an individual basis and varies from 5 to 20%.
With the introduction of a single database, drivers have a good opportunity to monitor their own insurance history without fear that the data will disappear when changing the insurance organization. Thus, in 2016, many such organizations left the service market, however, their clients were not significantly affected due to the storage of their individualdata in a single information base.
How to check the driver's KBM according to the Rosgosstrakh database, we will describe below.
Benefits
The indisputable advantage of its creation is the possibility of obtaining reliable information about each client, regardless of which insurance company he purchased the policy from. According to the current legislation, the insured can issue only one OSAGO policy for one car, and in the event of an insured event, compensation payments are made once. Earlier, before the creation of the AIS BSI, many fraudsters could purchase several insurance contracts from different companies for one car and receive insurance payments from all these companies at once.
Most of the accidents were deliberately set up in order to receive cash payments. However, since the development of a single database, the history of car insurance has become publicly available. Before issuing an OSAGO policy, an independent agent or an employee of an insurance company checks for the presence of valid contracts for this vehicle, which is subject to compulsory insurance. If the insurance contract has already been issued, then the registration of a new document is denied, preventing fraudulent actions.
It is not difficult to find out the driver's KBM for OSAGO.
MBM verification form
To do this, you must enter your full name. driver, date of birth, number and series of the driver's license. In case the seriesID contains letters, it is entered in English. Next, enter the date from which the driver plans to conclude an insurance contract. After that, the verification code is subject to input and the "Search" button is pressed. As a result, a page opens where the real MSC indicators contained in the PCA database are indicated.
If the value obtained is the same as theoretically calculated using the table, it means that everything is in order. If the check gave an incorrect result, then the insured will have to restore the KBM.
How to find out the KBM of a driver using the Rosgosstrakh database? It's easy to do. On the official website of the company you need to find the appropriate section. The suggestion system will check the bonus malus and automatically redirect it to the PCA database.
Tips: how to restore KBM?
First of all, you should find out at what stage this or that error was made in the calculation of the BMF. To do this, you need to take all the available insurance policies or start a search. It should be noted that insurance coefficients change periodically. You need to start from the last year and annually check the cost of the policy with the results of calculations on the calculator. If the client conducts such checks once a year, then the error will be found in the last valid policy. If a person has not previously checked the cost, then the error may be in any of the policies, and there may even be several of them.
We looked at how to find out the driver's MSC.
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