How to find out your KBM for OSAGO based on the PCA? What is KBM

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

Experienced drivers are well aware that the amount they need to pay for an OSAGO policy depends on their length of service, as well as accident-free driving. The price for the policy is calculated taking into account the bonus-malus coefficient. Let's learn how to find out your KBM by OSAGO.

What is CBM

The coefficient serves to reward drivers who follow the rules and drive without accidents. They receive discounts when applying for a policy. For each year of driving without an accident, the driver's coefficient decreases, due to which you have to pay less for the policy. Previously, it was assigned to a specific car, and when it was sold, the discount was lost. However, in 2008, changes were made according to which the KBM belongs to the driver himself, regardless of which vehicle he drives. The discount remains even if the driver decides to be served by another insurance company.

However, it decreases or completely resets to zero and even goes negative if the driver applies for payment after an accident. The amount of the reduction depends on the class that was assigned to the driver before the accident.

Often more convenient and profitableto settle a minor accident right on the spot, without calling the traffic police. Then, of course, the cost of the policy of the culprit of the accident will not increase.

How to find out your KBM by OSAGO

If the driver wants to know what his CBM is and how it changes, you need to use a special table. In general, in the first year, he is assigned the third class, equal to one KBM.

If during this year there were no accidents in which he would be the culprit, then next year he receives the fourth class, and the MSC will decrease by 5%. But if an accident does occur, then the class will be already the second, and the MSC will increase to 1, 4, that is, the cost of the policy will increase by 40%.

Due to accident-free driving, a 5% discount will be awarded every year until it reaches 50%.

MTPL table

The coefficient is easily determined by this special table, which is the same for all SCs. To do this, it is enough to know the class of the driver.

Take third grade as an example. On it in the next column we see a unit. This is KBM. The following year, the driver receives the fourth class, which corresponds to a coefficient of 0.95. This is how it looks further. Other columns show which class will be assigned in the future if accidents occur.

Self-calculation

Another way to find out your KBM by OSAGO is to do it yourself. Consider an example with the same driver who first got behind the wheel. If he does not get into an accident within three years, thenfor the fourth year of driving, his discount will be 15%. However, in the event of an accident, the culprit of which he becomes, his class will no longer be 7th, which corresponds to a 15% discount, but only the fourth.

If the table is at hand, it is easy to see. But even without it, it is also possible to calculate the KBM.

MBM for multi-driver insurance

How to find out your KBM according to OSAGO if several people are allowed to drive a car? It's very simple. The coefficient that has the highest value of all is applied. For example, one KBM driver has 35%, while another has only 15%. Then the cost will be calculated based on the 15% discount.

If one of the drivers gets into an accident, the culprit of which becomes, and the other travels for a year without an accident, then only the driver who is responsible for the accident will increase the BMR. The other person will receive their 5% discount.

How to find out your KBM OSAGO based on the PCA

RSA, or the Russian Union of Motor Insurers is an organization-community of insurers. The Union helps car owners on many issues. An important role is given to informing drivers. So, on the official website there is a lot of information of practical interest and benefit. RSA maintains a single base on the MSC. Having entered it, you can easily find out your KBM by OSAGO in the PCA.

This information is available to both legal entities and individuals. For individuals, it is enough to enter their driver's license. And if OSAGO is issued without limiting the list of drivers, then you will needalso the passport of the car owner and the title.

It's just the same with KBM. It is not difficult for legal entities to check KBM OSAGO on the PCA database. To do this, just enter the company's TIN and the necessary documents for the car.

Is it possible to correct the data in the PCA database for MSC?

Check KBM OSAGO on the PCA database, let's assume, it was possible. But here another problem may arise. It happens that on the site the system gives out a coefficient that does not correspond to reality. For example, a policyholder receives a BMR of one when he has driven his car without an accident for many years. The reasons why this happens may be as follows.

If the driver's license was replaced, it is possible that the data was not corrected, but the ones that were on the old document were left. To achieve the correct display of information, you should write a request about this to the PCA with copies of the new and old certificates attached. It happens that a mistake was made when entering data.

This can also be found when the driver's name appears on several policies at once. For example, Ivanov, who has an 11th grade and drives his own car, is also allowed to drive his wife's vehicle. And the latter has a coefficient of only 0.95, which corresponds to the 4th grade. Thus, when transmitting data, its coefficient will be displayed as 0.95.

And one more reason when the MSC of drivers on the AIS RSA database for OSAGO may not be displayed in the database is the bankruptcy of the insurance company.

How to keep the discount

So, we found out how to find out your KBM for OSAGO on the PCA website. Suppose that your independent calculations do not match the numbers that are on the site. What to do in this case?

In the PCA, you should write a claim that the real value of the coefficient is different than on the site, and argue this information. Copies of policies and a certificate from the UK stating that the ride has been accident-free for a certain number of years are attached to the claim.

If you make a mistake, you don't need to throw away an expired policy. After all, there is displayed information that corresponds to reality. There is no point in proving anything to an insurance agent or making a phone call. It is better to immediately contact the main office of the company by writing a corresponding complaint. When submitting a complaint, please keep the receipt as proof of payment.

And if you decide to take the application to the company personally, then make it in two copies so that you receive a mark of acceptance on one of them.

If there are no documents or a refund within two weeks was made, you can safely contact the authority above and seek justice. important not only for the sake of simple curiosity, but in order to be sure that the calculation of the next policy will be correct.