How to restore KBM? Restoration procedure and sample

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

Since the price of car insurance has risen, information about KBM from insurance companies (IC) suddenly “disappeared”. Today this situation is quite common. And to explain why this bonus cannot be used, the managers of the UK find it difficult. Let's try to figure out how to restore the KBM and save your own money.

First and possibly the main question: "Why"?

Why isn't the careful driving concession applicable? Most often, the insurance company answers like this:

If you had to change your driver's license, then the data in the program disappears, and new ones appear, like a driver who has just received a driver's license (who simply cannot have a KBM). The same answer will be in case of a change in the name of the driver. The reason for this is the default. Although in fact the driver is obliged to inform his insurance company about the change of document or personal data. Therefore, the insurance history starts from scratch

• If one of the acquaintances or relatives entered the applicant into the policy, and the UK made a mistake. For example, they introduced the third, initial classcoefficient. And with subsequent renewals of OSAGO, the real class earned by the driver is not taken into account, of course, erroneously.
• The data was transferred to the Russian Union of Auto Insurers (RSA), but the bonus-malus is not credited due to typos (in full name, passport data, year of birth, etc.).
• The insurance company did not submit information about the insured to the PCA. There may be several reasons. One of the frequent ones is the end of the activities of the UK.
• There was an interruption of the insurance period, so the data on the bonus-malus is reset.
• If the policy specifies permission to drive for several drivers, then the KBM with the lowest class will be taken to calculate insurance.
• There is simply no data on the driver. It sounds crazy, but insurers are just hiding the data on KBM.

Self investigation

The reduction coefficient is not charged in case of:

• pleasing guilty in DPT;
• achieving the maximum bonus-malus system equal to 50% (or 13 class), because there is nowhere to reduce further;
• non-completion of the insurance period (5% is charged for each accident-free year, but at the end of the term);
• non-renewal of an expired OSAGO policy (if the contract has not been extended for 12 months or more, then the KMB needs to be increased again, that is, from scratch).

The reduction factor will not be restored if:

• In one of the insurance periods, the policy was opened for an unlimited number of drivers. This is the case when the coefficient is assigned to the vehicle, and not to a specific person.
• The terms of insurance have changed: from a limited number of drivers to an unlimited number, or a new vehicle has been purchased for which new insurance has been issued. In this case, according to the law, the discount is reset to zero.
• The driver did not appear in any insurance policy during the year. And the discount for non-accident rate is calculated annually and is valid for the continuation of the next year. As soon as the cycle is interrupted, the MSC is reset to zero.

You can also check

Before you restore the KBM, you need to find out what it is. You can find out about the accrued points on various portals. For example:

• on the official websites of insurance companies in special tabs;
• on portals with an online OSAGO calculator, most often they are not tied to a specific insurance company;
• on the PCA website, because it is here that data on all policyholders are collected, and requests from any site that provides a bonus verification service come here.

PCA portal: checking the bonus-malus ratio

Before restoring KBM for free or for a fee, you must verify your data with the data of the Union of Auto Insurers. To do this, you will need passport data and driver's licenses of all persons included in the insurance. Each of those inscribed in OSAGO is checked separately.

Let's consider the algorithm of work:

• in the "driver" box, check the box "individual";
• for each of the list in the policy, the full name, date of birth, series and number of the driver's license (if there was a replacementdocument, or personal data has changed in the “special marks” box);
• in the box "date of commencement of action / adding a driver" indicate: if the policy is valid, then the first day after the expiration of the contract is entered; if there is no valid insurance, then we set the date of opening a new policy (at the request of the policyholder);
• after verifying the entered data, enter the verification code, after which a verification table appears, over which the current coefficient is written.

Is it worth restoring?

Of course, yes. And the reasons are quite weighty:

• discount (reduction in insurance costs) increases every year on the condition of accident-free driving;
• when the CBM is restored, the overpayment amount is returned to the insured.

To restore the OSAGO KBM based on the PCA database, you can use electronic services. The minimum time will be spent on the procedure, but the savings will be significant.

Sample Application

Before restoring the KBM in the database, we draw up an application. In writing, it must contain:

• name of organization: insurance company, PCA, Central Bank;
• F. Name of the applicant, registration address, contact numbers;
• application for entering data into the database of the Union of Motor Insurers;
• details of the current policy;
• grounds for changing the accrued CBM (certificates from insurance companies, contracts of previous insurance periods, etc.);
• list of attached documents andphotocopies;
• applicant's signature and date.

Insurance companies

The law obliges all UK to accept applications with a request to restore the KBM both in electronic form and in writing. On official sites there is a special tab with a contact form. It can be filled out online, or you can download, print and send by Russian Post. But in both electronic and paper form, you must attach policies for previous periods of insurance (or a certificate of no payments).

Written application is made in two copies. The company registers it in the log of incoming documents. If the secretary refuses to accept the application, it is sent by registered mail with a mandatory acknowledgment of receipt. After ten working days, you can check the data on the KBM in the PCA database. If there are no changes, you must file a complaint with the Central Bank of the Russian Federation or the Union of Motor Insurers.

Military Insurance Company

To restore the KBM in VSK, you need to apply to a specially created service "Checking the correct use of the KBM". With its help, an application is made to verify the correctness of the application of the bonus-malus coefficient in the database of the Union of Motor Insurers. Further, the system automatically connects to the SAR and checks the KBM for the settlement date. The result of the check is sent by e-mail. If the insurer considers the coefficient incorrect, it can leave a complaint on the official website of VSK, which must be considered within five working days.

Rosgosstrakh

Firstyou need to find out on which day the discount was reset. You can find out only by selecting the date and preferably on the official website of the company. After that, you can file a complaint. In the “Feedback” tab, fill in the proposed windows: the status of the person, the nature of the appeal, etc. Next, you need to attach a photo (scan) of the current OSAGO insurance, driver’s license (both sides) and vehicle certificate (also on both sides).

Now the body of the statement. In order to restore the KBM in Rosgosstrakh, you need to describe the situation in detail, indicating the date of reset. Within 24 hours, a notification about the consideration of the case and (almost always) the return of the coefficient is sent to the specified e-mail box. The letter also provides recommendations on how to return the overpaid insurance premium.

How to restore KBM: PCA

Often, insurance companies are confident in their innocence. And if the insured does not agree with the coefficient assigned to him, then you need to apply only to the Russian Union of Motor Insurers.

Actions can be as follows:

• Go to the official RSA portal and leave an application for the restoration of KBM online.
• Send a written complaint by Russian Post or email. The form can be found in the public domain. The body of the application must contain: personal data of the policyholder and each person entered; if there was a change of driver's license, you must specify information about the previous (previous); the reason for which, as it seems, the CBM was calculated incorrectly;a signature with a decryption that simultaneously certifies the document and consent to data processing, and the date.
• A copy of the driver's license (if the CMTPL is limited) and a copy of the passport with a residence permit (if the policy is without restrictions) should be attached to any of the selected options. The absence of these documents will not allow to restore the KBM in the RSA. Because this is the reason for the refusal to consider the appeal. Scans are attached to the electronic complaint.
• As an addition, you can attach scans confirming the arguments. These include certificates proving accident-free (until 2014), insurance policies of previous years (they contain information on accrued KBM) and even a certificate-extract from the traffic police about the absence of accidents. A negative response to an appeal to the insurance company can also be attached here.

In case of loss of policies for previous years, in order to restore the KBM free of charge on the PCA basis, you must contact the insurance company conducting the case for a certificate certifying the absence of payments. The document must be issued within five working days. If, nevertheless, it was possible to confirm the data error in the Russian Union of Motor Insurers, then the bonus-malus will be restored and recalculated. The answer on paper comes through the Russian Post, in electronic form - by e-mail.

Interesting nuances

Before restoring the CBM in the PCA database, you need to know that the data collected here is only about contracts concluded since the beginning of 2011. In addition, the Union is not empowered to make any changes to its bases. itcan only be done by the insurance company with which the contract has been concluded (prolonged).

Experts recommend starting the recovery of the coefficient with the identification of errors. You will have to work with policies for previous insurance periods. Moreover, the KBM document does not indicate, therefore, it will have to be calculated manually. It should be borne in mind that car insurance rates change from year to year. You can find them out from the Instructions of the Bank of Russia for the year of the policy.

To restore the CBM coefficient, it is better to start the check from the last insurance. Most often, the error lies precisely in it, less often - in previous periods. If the policy is valid, then everything will be fixed in two or three days (after an independent verification of the UK). If the insurance period has already ended, then the return of the coefficient is also possible. The bonus malus will not be restored only in the event of the liquidation of the insurance company that issued the policy. Because only she has the right to do so. The Association of Motor Insurers is not authorized to make changes to the database.

Or Central Bank

In order to restore the KBM for free, you can also complain to the website of the Central Bank of Russia. There is a special Internet reception on its portal. This method is considered the most reliable. Everything is done through a special form. It is located in the "Insurance Organizations" section. In the bookmark "OSAGO" the subject of the complaint "Incorrect use of the KBM when concluding the contract" is determined. After filling out the form, you must attach scans of the policy that has expired, or a certificate of absencepayments. All stages of the application are reflected in letters to the e-mail address of the applicant. Work with each appeal should not exceed 30 days. The Central Bank is considering applications for policies that have expired no more than a year ago.

Third Party Services

Today there are many Internet portals that promise: "Let's restore the KBM in the RSA database." They also offer to refund overpaid funds. They provide services both on a paid basis and free of charge, and in the shortest possible time. It's hard to recommend any site. It is advisable to carefully read the reviews or comments of those who have already used their services before starting work on such services.

The scheme of action on such portals is approximately as follows.

• Before you restore the KBM, you need to check it. It is possible without registration, but if there are several drivers, then you will have to work in your personal account.
• All required data is entered in the proposed form. To check the current discount in the column "date" select "today". Next comes the last name, first name, patronymic (case does not matter), date of birth, driver's license series, its number. Click the "Show KBM" button.
• Most often, the discount is checked automatically for all previous insurance periods.
• If the value of the coefficient is incorrect, then the portal asks to leave contact details. During the working day, consultants contact the applicant to clarify all the nuances. And in a day, the mostmore in five, KBM will be restored.

Epilogue: refund of overpayments

The restored coefficient gives every right to do so. We make a statement. We indicate in it:

• name and details of the insurer;
• applicant's passport details, including registration;
• a request to return the funds to the specified bank account;
• the basis for the return of funds (official paper on the change in the CBM).

Insurers have 14 days to do this.

Post scriptum

In order to avoid zeroing or reducing the coefficient, auto lawyers recommend checking its value on the PCA portal once a year. And be sure to do this before concluding a new insurance contract or before entering your data into other policies.