How to return KBM under OSAGO: step by step instructions

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

Today, a huge number of vehicles drive on the roads of our country. When buying a car, the driver should immediately worry about the registration of OSAGO. After the cost of insurance services doubled, more and more drivers began to think about how to save money on insurance policies. There are several main ways to do this, one of which is a discount on the insurance coefficient set by the state. Therefore, many car owners are interested in the question of how to return the overpayment for KBM under OSAGO.

Incorrect accrual of CBM when renewing an insurance policy

Many drivers when renewing insurance are faced with the fact that its cost is very high, and the discount, on the contrary, has decreased or completely disappeared. The thing is that all information about insurance since 2014years began to be entered into a single database, when entered into which information may be indicated incorrectly. As a result, when renewing car insurance, the final cost of the policy may be incorrectly calculated. At the same time, the reason for what is happening is not the intention of the insurer to deceive its client, but the human factor.

Discount reduced: what is the reason?

If you want to save money on your vehicle insurance and are thinking about how to get money back for KBM under OSAGO, then you first need to figure out why the discount may decrease. This can happen for several reasons, which will be discussed below.

Change the type of insurance policy

As you use the insurance policy, each driver accumulates points that he can later use for a discount. However, when you change insurance plans, such as when you switch from a regular program to a policy with an unlimited duration, these points can be reset to zero. How to return KBM under OSAGO in this case? This is quite possible only if the new insurance policy is issued for the same vehicle by the same owner. Otherwise, the accumulated points burn out, and you can not count on any discount.

Multiple Vehicle License

If the driver, due to his activity, has the right to drive different cars at the same time, and at the same time he is listed in several insurance policies, then the insurer may not take into account points when renewing insurance. How to returnmoney under the CBM CTP policy in this case? Almost nothing. The thing is that the insurance company, when calculating the cost of the policy, takes into account the number of points from the driver who has fewer of them. This is written in the contract, so the right to increase the coefficient is completely legal and reserved by the insurance company.

Hit in an accident or change insurance conditions

The number of points and the size of the discount is also affected by the presence of an accident in which the driver got into. If the interval between accidents is less than 12 months, then all accumulated points are completely burned out. If the driver drives very carefully and does not get into traffic accidents, then the cost of the insurance policy for him is reduced by 5 percent every year.

How to return KBM: instructions for restoring the discount

Each driver is interested in the question of how to return money for KBM under OSAGO. Despite the fact that this procedure is not easy, and you will have to tinker with the documents quite a lot, nevertheless, it is possible to restore your discount on car insurance services. What is required for this will be discussed later.

What does the MSC recovery process look like?

There are several ways to restore your accumulated points and reduce the cost of insurance when renewing your policy. To do this, you will have to bypass more than one organization and spend a lot of time. However, before submitting a formal request, two conditions must be met:

• preparerequired package of documents;
• find the culprit of the error.

Let's take a closer look at each item and figure out how to return KBM discounts on OSAGO.

What documents do I need to prepare?

To restore your legal right to receive a discount on renewal of insurance, you need to prepare the following documents:

• passport;
• right;
• all the insurance policies you have taken during your years of driving.

It is worth noting that you will have to apply to a large number of authorities both in person and via the Internet, so it is recommended to scan all documents on a computer and make photocopies of them. How to return KBM under OSAGO if you have no old policies left? In this case, you will have to contact all the insurance companies whose services you used and take the relevant certificates.

Finding a bug

It is impossible to answer the question of how to return the difference under the OSAGO KBM without identifying an error that led to the burning of the points accumulated by the driver. Knowing the reason for reducing the discount rate can greatly speed up the whole process and save a decent amount of time.

To find the cause and time of the error, you will need to check all issued policies through a special online service by the date the contract was concluded. This will take quite some time as you will have to check every month, but it isa necessary measure, so you simply cannot do without it.

If you have always followed each insurance contract and controlled the calculation of the cost of the policy, then in the event of an error, you should look for the problem in one of the last contracts. If you know the exact time when the mistake was made, you can start restoring the discount.

How to restore KMB: step by step guide

So, you have prepared all the necessary documents and fixed a mistake that led to a decrease in the insurance discount. What should be done next to restore the KBM and return the overpayments for OSAGO? This can be done using several methods that will require contacting one or two state authorities. You can do the following:

1. Try to resolve the issue directly with your insurer.
2. Submit a complaint to the Central Bank of the Russian Federation.
3. Apply to the Auto Insurers Union.
4. Use some other leverage with insurers.

Each of the above methods is very effective and in most cases your problem with the discount on insurance will be solved, however, to understand what needs to be done in each case, let's talk in more detail about each of them.

Solving the problem directly with the insurance company

If you are thinking about how to return KBM OSAGO to Rosgosstrakh, an application to the Central Bank of the Russian Federation will be one of the most effective ways, sincethis body can deprive the insurer of a license, which absolutely all companies are afraid of. Therefore, each insurer considers all complaints and appeals of its customers and tries to resolve them as soon as possible so as not to give publicity.

Today, the websites of most insurance companies have a special section, by going to which, the client can fill out a special form, describe the essence of the problem and attach scanned copies of all necessary documents. To further motivate the insurance company in considering your appeal and solving the problem, along the way, you can send a separate appeal by registered mail with an attached package of necessary documents.

Complaint to the Central Bank of the Russian Federation

How to return KBM OSAGO in Rosgosstrakh by filing a complaint with the Central Bank of the Russian Federation? This method is the most effective today, since the Central Bank is very tough on any complaints against insurance companies received from citizens. To file a complaint, you will need to do the following:

1. Go to the website of the Central Bank and go to the section "Information about OSAGO". At the bottom of the page there will be a corresponding button, clicking on which will open an online form for filing a complaint.
2. In the form that opens, select "Incorrect use of KBM".
3. You will be redirected to an information page where you will need to click the "No, proceed to file a complaint" button, fill in all the fields and attach scanned copies of the required documents as an attachment.
4. On the next page you need to specify your details and contact numberphone number.

The time for consideration of customer complaints by the Central Bank of the Russian Federation takes 10 calendar days, during which your problem will be completely resolved.

Appeal to the Union of Motor Insurers

Many drivers do not have the slightest idea how to return the KBM under OSAGO through the PCA, but filing a complaint with this organization is no less effective than filing a complaint with the Central Bank of the Russian Federation. Despite the fact that the PCA does not have the right to make changes to the unified insurance registry, nevertheless, this organization has quite a lot of opportunities to influence insurers.

To file a complaint, you must draw up an appeal in which you should describe in detail the whole situation and indicate the reason for your appeal, and then send it to the PCA e-mail, which can be found on the official website of the organization, attaching scanned copies of documents to the letter.

Alternative solutions to the problem

If you used each of the methods described above, but for some reason they did not bring any results, then what should you do next and how to return the KBM under OSAGO? In this case, you should collect all official documents and your appeals to all authorities and go to court. However, you should take this step only if you are completely sure that the law is on your side. Along the way, you can file complaints with the FAS, Rospotrebnadzor and OZP.

Besides this, you can simply change the insurance company. Due to high competition, many insurers offer specialan offer for new customers that allows drivers to get back all their lost points when they take out a policy.

How to return the overpayment at the incorrectly calculated insurance coefficient?

Sometimes it happens that when applying for or renewing a policy, the driver was charged the wrong coefficient, which he paid. How to return the lost KBM under OSAGO in this case, and is it possible to count on anything at all?

If an insurance company has accumulated a debt in relation to its client due to incorrectly calculated KMB, then it can be returned. For this you need:

1. Restore the real size of the insurance coefficient.
2. Collect 2 packages of documents: one for the insurance company, and the second for yourself. The insurer will need to send the original letter with a response to your request from the Central Bank, the original request for a refund, as well as bank details. For yourself, you will have to keep notarized copies of the documents listed above.
3. Send a package of documents to the insurance company and certify a copy of the letter and application.

After completing all these steps, the insurer will simply have no other choice but to refund you in full the entire overpayment for the incorrectly calculated CBM.

Useful tips and tricks

So, we figured out how to return the KBM under OSAGO. However, any problems associated with compulsory car insurance can be avoided, and will help you with this.the following helpful tips and tricks.

If you are applying for a new insurance policy, but have previously replaced your driver's license, then in order for the accumulated points not to be lost, you must indicate the reason for the replacement and the serial number of the old document in the "Special Notes" field.

To avoid mistakes on the part of employees of insurance companies, when filling out the next policy, ask them to personally enter information about the documents, and then carefully re-read all the fields and check the validity of the entered data.

In 2011, a law came into force that prohibits insurance companies from depriving their customers of accumulated points. Therefore, if you are told that nothing can be done and the discount cannot be returned, then just file a complaint with the appropriate authority or authority.

Conclusion

Thanks to the information in this article, you now have several powerful tools in your arsenal with which you can restore your auto insurance discount in case of various problems. Do not be afraid to contact the insurer or file complaints with the relevant state institutions, since they exist in order to protect the rights of citizens. Do not rush to issue a policy in the first insurance company that comes across. Due to the fact that today there is a huge competition between insurers, each of them is fighting for their customers, offering the most favorable conditions.