What does kbm mean 1. What is kbm in MTPL. The previous agreement was without restrictions, there were no payments under it

The driver's class depends on the number of insurance payments made for the previous year of insurance due to his fault. If the accident was not registered by the State Traffic Safety Inspectorate, this will not affect the driver’s class in the KBM table, since the insurance company is interested in liability, not property.

Each insured event resulting in insurance payments lowers the driver’s class by 2-6 positions. For example, the driver’s initial KBM corresponds to the value 8. If one accident occurs, resulting in an insurance payment, the class will be reduced to 5, two accidents will lower the class to 2, and three or more will drop it to the lowest level. Class M means that the client is especially dangerous for the insurance company. In this case, the cost of the policy increases by 2.45 times.

How does the OSAGO class affect the discount?

An example of calculating the KBM from the table

We propose to consider an example of calculating the KBM using the table. Initial data: the driver enters into a MTPL contract for the first time and has committed 2 accidents in a year that resulted in insurance payments.

Since the driver has no history, he is assigned class 3, which corresponds to a value of 1. Having committed 2 accidents, the class is downgraded to M. When the contract is extended, the cost of insurance will increase by 2.45 times.

The desire to reduce the cost of insurance pushes some drivers to distort information. However, this is not recommended. If an insured event occurs, the fact of participation in an accident will certainly be revealed, and the insurance company will refuse to pay. You will have to eliminate the consequences of the accident at your own expense.

All vehicle owners are well aware that the amount they pay for an MTPL policy directly depends on driving experience and the number of accidents in which the motorist was involved through his own fault (in the case of insurance payment).

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Its task is to encourage motorists who drive without accidents by receiving discounts, and to punish drivers who cause accidents by increasing the price of the insurance policy.

What is it and what is it for?

KBM OSAGO is a coefficient that depends on payments for insurance claims for the previous year. In other words, this is the amount of the discount for driving without accidents.

Important! This coefficient allows you to save money on purchasing a policy.

For one year of driving a car by a driver without accidents, the compulsory motor liability insurance class increases and the coefficient decreases, and, consequently, the cost of insurance decreases. The KBM is individual for each driver and depends on the insurance history.

Previously, this coefficient was applied to a specific car, and when the car enthusiast sold it, the discount was lost. In this case, the driver had to “earn” this coefficient again from the very beginning.

Starting in March 2008, the coefficient system was changed, and now the KBM belongs directly to the driver, regardless of what vehicle he drives.

This discount remains the same if the car owner changes insurance company. The only thing that matters is that the break in insurance should be less than a year. However, if the driver gets into an accident due to his own fault, then the cost of the policy for him will increase by 50%.

Important! Sanctions are applied exclusively in cases where the victim applies to the insurance company for payment as a result of an accident.

Sometimes drivers, in case of minor damage, repair the car themselves using their own means. In this case, the price of the insurance policy does not increase.

Nowadays it’s quite easy to find out the insurance history of any car owner by checking the KBM through the AIS RSA.

How to find out the coefficient yourself

If a driver wants to find out his own BMI for the next year of insurance, then he needs a table from which he can see everything.

Here you need to know the following. In the first year of insurance, the driver receives class 3. In this case, its coefficient is equal to one and does not have any effect on the cost of compulsory motor liability insurance.

If, for example, due to the fault of this driver, not a single accident occurred during the first year of driving, then your attention should be paid to the highlighted line in the table and to the column with the content “0 insurance payments”, where the number 4 appears.

This means that next year the driver will be assigned class 4 instead of 3rd, and its coefficient will decrease by 5%, i.e. will no longer be equal to one, but 0.95.

Thanks to accident-free driving, the driver receives a 5% discount in case of renewal of the MTPL contract. If the second year of driving under insurance for the driver is not so successful, and he gets into an accident due to his own fault, then his class is lowered and becomes 2, and the BMR rises to 1.4.

This means that when the OSAGO policy is renewed, its price will increase by 40%. In order to return the driver to class 3, he will need to drive the entire next year without an accident (at least through his fault) and then he will not overpay for the insurance policy.

This table regulates the determination of the coefficient and is the same for all insurance companies.

It was compiled in such a way that you can easily determine from it the coefficient that the driver will receive when insuring for the next year. It is enough to know the class of the motorist and the number of accidents that occurred due to his fault.

Table. KBM OSAGO

How to determine

To determine your KBM you need to do the following:

• At the beginning of insurance, the driver is assigned third class (this line is highlighted in the table). We look at the class in the first column;
• then we determine the insured events that occurred due to the fault of the motorist during the insurance period. Let's say there aren't any. In the first column about zero insurance payments, we look at the driver’s class for the next year (4);
• Next, we look for the value of the coefficient for class 4 (in the first column). It is equal to 0.95.

With primary insurance, the driver is assigned class 3, while its coefficient is equal to one. Thanks to driving without accidents, next year he will receive class 4 with a coefficient of 0.95. For 12 months of accident-free driving, the motorist receives a 5 percent discount.

Is it possible to calculate it yourself?

To make it more clear, let’s calculate the class and, accordingly, the coefficient. For example, consider the limited and unlimited lists for drivers allowed to drive.

When registering a limited list, the class of the policy is calculated specifically for each driver. At the initial stage of insurance, the motorist has the third class, its coefficient is 1.

Further, for driving without getting into an accident, the driver receives a 5% discount every next 12 months. It follows that accident-free driving for three years gives the driver the opportunity to receive a discount of 15% (BMR = 0.85) by the fourth year (see table).

If this driver, in the fourth year of driving, gets into an accident due to his own fault, then in the fifth year of insurance he will receive only class 4, and not 7, as when driving without accidents.

This can be seen from the table in the column about one insurance payment. With accident-free driving, he could receive class 7 and a 20 percent discount. This can be seen in the table from the column about zero insurance payments on the 6th grade line.

With an unlimited list, the discount is calculated according to the class of car owner in the same way as with a limited list. Its class is linked to passport data and car number. Having a 45% discount on a particular vehicle does not receive that 45% discount when purchasing a new car.

Is it possible to determine the coefficient when registering several drivers on one policy?

When driving a car with several drivers, the highest coefficient is applied. For example, if one driver's discount is 35%, and another's is only 15%, then fares will be calculated at the 15% discount.

The cost is calculated based on a more inexperienced driver. Therefore, it is not profitable for drivers with extensive experience of accident-free driving to enroll drivers with a high coefficient in their insurance.

If one of the drivers is found to be at fault for an accident during the insurance year, then only his coefficient increases. Another driver receives 5% for the next year.

Is it possible to confirm the class of the policy?

When renewing insurance for the next year, the car enthusiast contacts a company employee, who, after checking the car enthusiast’s history in his database, writes down the appropriate class for him.

If the company is replaced, its employees check with the RSA for accident-free driving information. When entering a driver/drivers into the database, the operator checks for accident-free operation and the availability of a discount. However, not all discounts are always available.

Let's consider the reasons that do not allow you to find a discount:

• the operator made a mistake while filling out the driver’s data (human factor);
• the operator did not transfer the insurance policy to its destination on time or lost it, so it was not included in the database;
• When checking the data, the operator did not take into account the expiration date of the previous insurance policy. For example, if the policy ends on 06/11/2014, then it is checked from 06/12/2014. 4. Imperfection of the base;
• When applying for an insurance policy, the start date of the driver’s experience is recorded, which the operator must enter when drawing up the previous contract. If there is no exact date (for example, only the year is indicated, but not the day and month) and the full date is entered conditionally (day and month), then this driver is not in the database.

If a new contract is drawn up by a driver, for example, with 18 years of experience, who does not have a previous policy, insurance is issued without discounts, despite his extensive driving experience.

Is it possible to return KBM under insurance?

If you have any doubts about the discount that the database issued, then to clarify the circumstances you need to write an application to the head office of the RSA.

If the contract has already been concluded without taking into account the discount, then the application is filled out according to the sample ().

If you are sure that your discount has not been saved in the RSA database, then the application can be filled out according to the sample ().

RSA receives complaints related to issues of unfair application of discounts.

Is it possible to correct it in the AIS RSA database?

Quite often, car enthusiasts are faced with a situation where the RCA database produces a coefficient that does not correspond to reality.

It happens that for many years of accident-free driving, the policyholder receives a coefficient that is equal to one, or less than what is required for break-even insurance.

Let's look at the reasons that cause errors:

• in the case of replacing a driver's license with a new one, the data in the database may not have been corrected, and only a record with the data of the old license remains. To correct the situation, it is necessary to make a request to the RSA indicating the data of both the old and new identification;
• an error/typo was made when entering data into the database (wrong letter or number);
• in case the driver is included as an authorized person to drive in several policies. For example, A.N. Sokolov, having his own car, is allowed to drive the car of his wife with 1 year of driving experience. In the policy of Sokolov A.N. the coefficient is recorded as 0.6, and in the wife’s policy it is 0.95, since her experience is 1 year. Consequently, when transferring data from both policies, KBM Sokolova A.N. equals 0.95. 4.
• In case of bankruptcy of the insurance company and failure to transfer data to the PCA system.

What to do in this case and how not to lose the accumulated discount

To solve the problem, you need to write a complaint to RSA, where you need to argue that the coefficient value does not correspond to reality.

Attach copies of previous policies to the claim, as well as certificates from the insurance company about accident-free driving.

If it so happens that you made a mistake when calculating the cost of your compulsory motor liability insurance policy (indicating a coefficient higher than it should be), you do not need to throw away the policy that has ceased to be valid. Because it contains the correct coefficient for the previous year.

There is no point in negotiating with the insurance agent to apply the correct ratio, since he works by the book. You shouldn’t call on the phone and prove something, seeking justice, because... it's useless.

In this current situation, immediately contact the main office of the company. Write a complaint by sending it by registered mail, or bring it in person to the company’s office.

When applying for an MTPL policy, drivers with excellent driving performance are offered discounts. They are formed for each accident-free year and are called the “bonus-malus” coefficient.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

It's fast and FOR FREE!

There are laws and rules regarding the calculation of such a coefficient on the cost of a policy, so insurers cannot apply this discount as they please.

Therefore, not only every insurer, but also the driver should know how such a coefficient is formed, what it depends on, what it is, how it is applied and what influences its decrease or increase.

What it is

KBM under the MTPL policy is the “Bonus-Malus” coefficient, which is considered a discount when purchasing or extending the terms of a compulsory motor liability insurance contract.

This indicator is not the only one that, one way or another, affects the total cost of the policy.

It is always formed according to accident rates, and therefore can influence the cost of the insurance product, both downward and upward. Each KBM will always correspond to a certain class of driver.

This bonus malus coefficient can be found out from a single database - AIS RSA (Automated Information System of the Russian Union of Auto Insurers).

If there is no information on the driver in the unified database yet, then it is permissible to use a coefficient equal to 1. The use of KBM began in 2003.

Insurance company specialists have their own concepts that they use when making calculations, and which define several types of CBM:

1. Driving coefficient is a coefficient that is determined for each individual driver who has the right to drive a vehicle at the time of insurance.
2. Owner – type of coefficient of the owner who owns the vehicle.
3. Calculated - used when calculating the final amount of the premium under an already concluded MTPL insurance agreement.

There is also the concept of maximum or minimum KBM. In other words, the maximum discount or its minimum threshold.

Also, after the minimum value of the discount, there must be a “zero” value of the BMR, and then an increase in price. This is all very clearly visible in the table of classes and coefficients, which will be given below.

As enshrined in law

The Law “On Compulsory Motor Insurance” regulates the actions of insurers. All insurance companies, when concluding an insurance agreement, are required to enter data on drivers into the AIS RSA, and according to previous experiences of insuring clients. Even if the insurance history was formed in other companies.

The direct articles that regulate the application of the MSC are subparagraph “b” of paragraph 2 (No. 40 dated April 25, 2002, last revised on November 28, 2015). Where does it talk about the rules for using and calculating such a coefficient.

KBM classes according to OSAGO

The policyholder class is a coefficient that is assigned for each accident-free year. The law on compulsory motor insurance was issued in 2003.

If the driver has never had an accident during this time and is constantly insured, this means that he is entitled to a good discount when purchasing the next MTPL insurance policy.

For example, if a driver's driving period of a car is determined to be 12 years without accidents, then he is assigned a class 12.

In this example, twelve years begin counting from the moment the law on compulsory motor liability insurance was adopted, that is, from 2003. This class is determined by a special table of bonus-malus coefficient values ​​that it is assigned a BMR of 0.55, which corresponds to a 45 percent discount.

Table

When calculating the “Bonus-Malus” coefficient, a special table should always be used, where KBM is listed in the columns in relation to the driver’s class.

In this way, you can understand where the minimum and where is the maximum KBM according to OSAGO, what the KBM should be for a particular driver who has his own class.

Using the table, you can determine the presence or absence of insurance payments that were made due to the fault of the driver involved in the accident.

The table also makes it clear in percentage terms what the discount or price increase will be applied to a driver with a specific KBM.

For example, we can consider the following situation, which clearly shows how to use tabular data when determining the BMR and calculating the cost of a future policy:

1. For example, the driver was assigned a class of 5, which corresponds to a KBM of 0.9.
2. If you get into an accident once a year when this policy is valid, the next year the driver will be assigned class 3, which will correspond to KBM - 1.
3. When there were no accidents in the year, then when renewing or purchasing a motor vehicle policy from another insurer, the driver will already be assigned class 6, corresponding to KBM - 0.85.

The price increases/discounts column indicates the percentage of how much cheaper or more expensive the purchase of the policy will be.

If the driver’s coefficient turns out to be 1.55, then he will have to pay 55% more for the MTPL policy than under other circumstances regarding his class.

And, on the contrary, if the driver has a BMR equal to 0.7, then he will be able to take advantage of a 30 percent discount when purchasing an OSAGO policy.

All discounts or increases in price are calculated strictly from the initial (base) cost of the policy, which, in turn, is the tariff established by the Central Russian Bank - different for each year.

What does it depend on

First of all, the coefficient is influenced by accident-free behavior, which is studied from year to year for each driver. The coefficient is always assigned according to the previous MTPL policy (insurance contract), but only to the one that expired more than a year ago.

Those policies or contractual terms whose validity is limited to less than 12 months will not be counted. In this case, there is a so-called “duty” coefficient, which is the same for all drivers and is equal to one.

This coefficient will be assigned to those drivers whose policies or contracts were valid for less than a year or there were other reasons why the BMR could not be determined.

Also, the quality of driving experience will influence the KBM. Moreover, the owner of the car and the drivers who are allowed to drive this vehicle will be considered separately.

The class is assigned to the driver only once a year, while the policy is in force, when insurance payments are required to be made to the company due to the driver's fault. In this case, the coefficient will affect the reduction of the insurance premium.

To increase it, you will have to conclude a new contract and not get into an accident. The discount in the form of CBM can be retained during renewal, both in your own insurance company, and when renewing the policy by concluding an agreement with another company.

Where is indicated in the policy

According to the law, there are no special requirements regarding where exactly to enter KBM indicators for drivers or car owners. This can be done by the policyholders themselves, based on internal orders from the company’s management.

Typically, such orders regulate the location of the record used in calculating the cost of the OSAGO KBM policy opposite the name and surname of the owner of the car for which the policy was issued.

This indicator is also entered next to each driver who is included in the policy. Sometimes such an entry is also found in the “Special Notes” column, which, according to most legal experts, is the most correct.

Rules of application

The process of applying KBM has its own characteristics, which apply to different types of compulsory motor liability insurance - limited or unlimited.

Limited compulsory car insurance includes those contractual terms that provide for certain restrictions on the number of drivers who have the right to drive a car subject to insurance.

Accordingly, unlimited insurance includes those terms of the agreement that do not provide for any restrictions on the number of drivers included in the policy.

Thus, the features of the use of CBM with limited compulsory motor insurance are the following points:

1. The coefficient will be determined based on the information that applies to each driver individually.
2. The cost of the policy itself will also include the calculated type of coefficient found based on the poor performance of a particular driver. But in the RSA database, the driver will retain his class.
3. The discount is given not to the vehicle, but to the driver, so if the owner of the car changes or the owner of the vehicle changes, then the KBM will be retained.
4. An increasing MSC for calculations for the next year will be applied to those drivers who were found to be at fault for an accident. For them, the cost of renewing the policy will be slightly more expensive due to the increasing coefficient.
5. If no insurance payments were made under the policy last year (in other words, there were no accidents on the driver’s account), then next year the insurer is obliged to apply a factor reducing the cost of renewing the insurance contract.

In the case where the insurer, when concluding an agreement with the client, proposed the conditions for unlimited access of drivers to drive a vehicle, the features of the application of the CBM will be as follows:

1. The class will be assigned only to the owner of the car.
2. The determination of the coefficient for the last agreement, which has lost its validity, should occur in cases where:
   • it was the same - unlimited in the number of drivers included in the policy;
   • The data on the owner and the car provided for issuing a new MTPL policy coincides one-on-one with the old contract;
   • in case of changes in information about the owner of the car or the car itself, KBM = 1 will be applied.

In addition, it is worth highlighting the general essential rules that apply to any type of insurance contract:

1. In case of early termination of the agreement with the insurer at the initiative of the policyholder, the discount will not be applied for the given period of validity of the contract that was interrupted. All contracts are concluded for one year, the CBM is calculated for 12 months, therefore all periods that are less than 12 months of validity of the MTPL policy will not be considered to find the coefficient.
2. In case of an early terminated contract, a coefficient will be applied equal to the indicators that were applied in the previous agreement preceding the interrupted contract.
3. The number of payments made to the victim is not counted separately to determine the BMC of the driver who caused the accident. One insured event is one insurance payment, from which further determination of the CBM is carried out. It doesn't matter how many people the insurer paid.

Today, every driver or insurance agent can check the driver’s KBM on almost any insurer’s website.

For verification, you should prepare in advance the driver’s last and first name, date of birth, number and series of driving license. And then the KBM OSAGO database will provide the necessary information in a matter of seconds.

The system also allows you to obtain the following information:

• find out the KBM through a special request identifier;
• the ability to obtain information on both individuals and legal entities;
• you can check the policy on the KBM without any limitation on the number of drivers appearing on it;
• Based on the driver, you can find out the details of the policy and the CBM of the previous insurance, as well as losses and their number.

Cases when the CBM cannot be used or can be used, but only exclusively equal to one, refer to the following situations:

• during the period of transit insurance, when the driver has to proceed to the inspection point or to the place of registration at the territorial office of the traffic police;
• in the process of obtaining insurance for those cars that are registered in another country.

Possible reasons for the decline

The cost of a policy with CBM is calculated according to a simple scheme - the coefficient is multiplied by the base rate of the policy. Therefore, the higher the BMR, the more expensive the policy will be.

To significantly reduce the cost of this insurance product, you can arm yourself with the following tips:

1. Just don't get into an accident for several years in a row.
2. Register (include) in the policy only those drivers who are true professionals and have experience driving vehicles without accidents.
3. Take into account the territorial coefficient and take out a policy for a friend or relative under a general power of attorney who lives in a region where the territorial insurance coefficient will be lower.
4. Conclusion of insurance contracts for several years. This is permitted by law when concluding multi-year or long-term contracts under compulsory motor liability insurance, which are valid, as a rule, for no more than 3 or 5 years. “Bonus-malus” does not apply to such contracts, which means that the policy is purchased at a standard price.
5. The last probable reason for the decrease could be the coefficient being reset to zero, when the driver did not insure or drive a car for a whole year. then when purchasing a policy, a coefficient of 1 can be applied to it.

Where to contact if incorrect

In order to find out whether the insurance company is using the correct KBM in relation to the driver or not, you can check the RSA database or contact the insurer from whom the insurance policy was previously purchased.

Also used in the course of office work is the so-called accident-free certificate, which is also issued by RSA. You can contact the insurance company for free on this issue only when the insurance contract has actually ended.

The insurer must provide information on the driver and his vehicle within 5 days after the application. According to the rules, a written application requesting information about the driver’s motor vehicle insurance should be submitted 5 days before the expiration of the MTPL insurance policy.

If the KBM is used incorrectly, the driver can act according to the following algorithm:

1. Still, conclude an agreement with the insurance company according to the coefficient that the RSA database has currently given, and which turned out to be incorrect.
2. Next, a claim is submitted to the Union of Auto Insurers so that you are given the correct KBM and recalculated.
3. To file a claim, you must prepare the following documents, which are attached to the claim application:
   • a completed form for contacting the RSA regarding KBM issues, which can be downloaded on their website;

     

   • scans or copies of not only the application, but also all the licenses of those drivers who were included in the previous OSAGO policy;
   • scans or paper copies of past and present policies;
   • after receiving a response from RSA, the owner of the car writes an application to his insurance company with a request to recalculate the KBM with the correct data entered into the unified AIS RSA database;
   • after recalculation and entering the correct KBM indicators for the car owner and drivers included in the policy, the insurer can already conclude a new insurance contract with the policyholder and return all excess amounts paid when purchasing the policy.

   Practice shows that insurers give greater preference to the information provided from the AIS RSA than from the previous place of insurance.

   Incorrect coefficient indicators are especially acutely felt by drivers when there are no discounts, and the policy is even more expensive.

   This is possible when the KBM under compulsory motor liability insurance is reset if any changes are made in the driver-car connection.

   These are situations when the driver changed his last name, sold the car (which means the owner changed), or certain parameters of the car’s registration data changed, the driver was not included in any insurance policy for a year, etc. It is impossible to artificially reset the policyholder’s history; insurance companies face fines for this.

   Application to the RSA for restoration

   The coefficient must be retained by the driver (usually the owner of the vehicle) for a one-year period, which is determined immediately after the MTPL policy expires.

   If for the entire year the driver has not been insured under compulsory insurance and has not driven the car, then his BMR will be reset to zero. However, in this case, the zeroing of the coefficient is not calculated as a digital indicator “0”.

   By zeroed coefficient we mean its indicator equal to one. After a one-year break from driving a car, the driver can restore his coefficient, for which he must write a corresponding application to the RSA:

   

   This document must be accompanied by copies of the driver's license, which are made on both sides of the license.

   If the insurance contract did not provide for a limitation on the number of drivers included in the compulsory insurance policy, then you will also need to attach a copy of the civil passport of the owner of the car.

   Application for recalculation

   In this case, the applicant asks the insurer to enter the correct value for its coefficient into the RSA database. Moreover, all information is entered into this database strictly by insurers.

   

   

   Each driver, most likely, wants to have a minimum KBM for compulsory motor liability insurance, which makes it possible to purchase insurance policies with a 50% discount.

   The lower the coefficient, the cheaper it will be to buy a compulsory motor liability insurance policy. Typically this indicator corresponds to driving class 13.

   In practice, this means that the driver should not have an accident during his 10 years of driving experience. Therefore, the most positive results of recalculating the KBM, of course, will depend on careful driving and the absence of accidents during the year.

   How long does it last after the contract ends?

   After the expiration of the terms of the insurance contract, the KBM in its effective state can only last a year according to the law. After this, its significance and indicators are reset to zero, and they will be subject to restoration only after the driver himself contacts the insurance company or RSA.

   If the hedgehog driver does not need to restore anything or he simply does not want to, then a coefficient of 1 will be applied to the cost of the policy for a new purchase.

   The “bonus-malus” accident-free coefficient can act both to reduce the cost of the compulsory motor liability insurance policy and to increase it.

   They began to apply it legislatively with the goal of stimulating all drivers in Russia so that they would strive to earn a discount on the purchase of the next policy if they drive for a year without getting into any accidents.

   It is not difficult to understand the scheme of operation of such a bonus; the main thing is to study all the rules and regulations for its accrual and use in certain cases.

   Video: OSAGO. Checking the KBM. Calculation of discounts for break-even driving.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

In 2018, every motorist is required by law to purchase an MTPL insurance policy. The document is required to register a car or motorcycle with the traffic police. Due to the fact that the package of services is expensive, careful drivers are given the opportunity to reduce costs by applying the BMC (bonus-malus coefficient).

For driving without accidents for 10 years, you are assigned the maximum KBM under OSAGO, which will allow you to receive a 50% discount.

What does the cost of compulsory motor insurance depend on?

The cost of the MTPL policy is calculated according to Directive of the Central Bank of Russia No. 3384-U. A uniform procedure applies to all categories of insurers. The insurance company determines the basic tariff rate independently depending on the type of vehicles, the status of their owner (individual or legal) and the purpose of use. A record is kept of special coefficients that are calculated based on a number of factors.

• vehicle type – truck, car, motorcycle, scooter;
• one driver or several will drive the vehicle;
• age, driving experience and driving record;
• engine power (the number of horsepower under the hood);
• policy period (the longer the period, the lower the cost);
• previous insurance;
• region where the machine will be operated.

One of the important indicators that directly affects the cost of an auto liability insurance policy is the bonus-malus coefficient (BMC).

What is KBM

Let us define the concept of what constitutes a “bonus-malus”. KBM is used by companies when calculating the amount of insurance premiums under the current contract. Translated from Latin, “bonus” means good, and “malus” means bad. You can also understand how the indicators high (English big) – low (lov).

This coefficient corresponds to the class that the insurance company must assign to the car owner or driver. It has been operating since 2003. Applicable when concluding a fixed-term contract for one year. In this way, insurance companies encourage responsible car owners or punish those who violate traffic rules and become responsible for road accidents. The cost of the car insurance contract will vary depending on which class of CBM is applied.

The value of the coefficient may decrease or increase depending on the presence or absence of emergency situations in which the driver became the culprit.

If the policy is purchased for the first time, its price will be higher. When renewing insurance and driving without accidents in the previous year, the driver is assigned a higher class, and the amount of the discount increases. Each car owner can find out the value of the KBM using a special table, but it’s easier to do this on the RSA website.

According to the current rules, the bonus-malus coefficient is applied only if a new MTPL agreement is concluded or amended for 12 months or one year. There are several types of KBM: driver’s, car owner’s, settlement (used when calculating the final amount of the premium).

Beginner driver level

When purchasing a compulsory MTPL policy for the first time, a novice driver does not have the right to count on receiving a discount on the CBM. Typically, for such drivers, the coefficient value is initially set at no higher than “1”. However, with careful driving without accidents, after a year for a novice driver, the indicator may change and will be equal to 0.95.

Initially, the insurance company assigns the driver class 3, and for accident-free trips he has every chance of receiving class 4 next year. Upon completion of one accident-free year, the indicator will decrease, but accidents committed in previous years will not be forgotten, but will remain in the database and will affect the discount percentage.

KBM depends entirely on driving experience. A class will be assigned to each car owner after purchasing a policy. There are 14 of them in total. A newcomer with zero experience will receive class M, that is, minimal. By the way, class zero can also be assigned to those who have more than 10 years of experience if they have been involved in four or more accidents in previous years. Beginners should be extremely careful when traveling, as any accident will lead to an increase in the cost of the insurance policy. This is especially important during the first year of insurance.

Newcomers without insurance experience should avoid increased insurance rates at all costs. There are frequent situations when novice drivers are in no hurry to take out insurance so that their vehicle does not change. Having scratched the hood of a neighbor's car or accidentally broken a headlight when leaving the garage, they do not contact the insurer. You can always reach an agreement with the other driver and compensate him for the damage or eliminate the consequences of the collision yourself. The price of the issue is sometimes only 1500-2000 rubles. If you register the incident with the Investigative Committee, the driver’s class will be lowered, and the BMC will be greater than one.

If a newcomer has recently completed training at a driving school and has three years of driving experience, then discounts corresponding to classes from 0 to 2 can be applied to him. The size of the discount is calculated by multiplying the cost of compulsory motor insurance by the bonus-malus coefficient.

The maximum and minimum value, and what is the cost of insurance

If the driver gets into an accident, the MSC will increase, and during accident-free trips, on the contrary, it will decrease. Its value will be retained if the policy with the previous insurer is renewed or a transfer to another insurance company is made.

What kind of KBM is there? Its maximum value is set at 2.45 for class M, and the minimum is 0.5, which is set for the highest class 13. The more years a driver has driven without causing collisions with pedestrians or accidents, the higher his class will be and the lower the bonus-malus coefficient. Consequently, the price of a motor vehicle insurance contract will also decrease. If a car owner is at fault for an accident, he applies for insurance - the class is immediately lowered, and the coefficient increases. If the class becomes higher, then the cost of insurance decreases. Everything is extremely simple.

The KBM is calculated anew every year, taking into account its value at the time of concluding the MTPL agreement last year, as well as the number of insured events (cash payments) during the insurance period.

If the contract was in force during the year and there were no accidents, then the driver’s class increases by one unit, and the coefficient, accordingly, decreases by 0.05. Having reached class 13, the best indicator, within 10 years, the driver will receive a 50 percent discount on the policy. This will mean that for the entire ten years the insurance company did not have to pay compensation for accidents. If you cause road accidents more than 4 times in a year, then you can earn a maximum KBM of 2.45.

How does the coefficient change since the beginning of driving experience?

In order for the KBM to change in a way that is beneficial to the car owner, accidents must be avoided whenever possible. But if, nevertheless, the year turned out to be not entirely successful, even in the worst case, the premium to the cost of the compulsory motor liability insurance policy will not exceed 145%.

The coefficient level in accordance with the assigned class is as follows:

• 3 grades – KBM equals 1;
• 4 grades – 0.95, with a 5% discount;
• 5 grades – 0.9 and so on.

Until the 13th grade, the driver will receive bonuses.

What happens to grades below third:

• 2 classes – 1.4, the markup will be plus 40% of the tariff rate;
• 1 class – 1.55, the cost of the policy will increase by another 15%;
• 0 class – 2.3 – here you will have to pay 130%;
• “M” – 2.45 or 145% is the maximum price.

Let's look at specific examples of how the cost of a future insurance policy will be calculated and how the table data is used to determine the current BMI:

1. The insurance company assigned the driver a 5th grade, which corresponds to a KBM indicator of 0.9. If during the period of validity of this policy an accident occurs due to the fault of the driver, then the next year the insurance company will assign him only 3 classes, where the CBM is equal to 1. When the driver has driven for a whole year without incident, his class will increase to 6, and the CBM will be equal to 0 .85. There is no need to worry about the safety of the coefficient when purchasing an MTPL policy from another insurer, the KBM will remain unchanged and valid. You will just need to inform it to an employee of the company whose services he plans to use.
2. Sergey Ivanovich Petrov contacted the insurance company in January 2018. When drawing up an insurance contract, he was assigned class 9 and a 30 percent discount to the base rate, according to the BM coefficient. This information allows us to assert that the car owner has repeatedly used the services of this insurance company and each time received a 5% discount for accident-free driving. What awaits him in the absence of insured events or accidents? A year later, our Sergei Ivanovich again visited the office of the insurance company in order to conclude a new contract. Since the client is considered a good driver and drives without incident, the insurance company employee, according to the table for determining the bonus-malus, assigned him a lower CBM for the past year. Thus, the driver is assigned class 10 and a coefficient of 0.65, entitling him to a 35% discount.
3. A year later, Sergei Ivanovich again joined the same company, but last year he became a participant and culprit in two accidents at once. Since he was in class 10, due to the accidents he committed, he will be reduced to class 3, and the coefficient will be equal to one. In this case, he will have to pay for the OSAGO policy in full. He will not be given a discount.

The coefficient is a kind of incentive to drive on Russian roads without accidents or collisions with pedestrians. In this case, their cash costs for purchasing an MTPL policy will be significantly reduced.

We list the main features of calculating the coefficient:

• following the principle of accident-free driving;
• KBM is assigned according to the data of the previous policy, which has expired;
• contracts concluded for a period of less than 12 months are not taken into account (the “duty” KBM is set equal to one);
• class and length of service (experience), and there is a distinction between the driver and the owner of the car;
• it is possible to increase the maximum capacity without getting into accidents during the current year;
• When renewing a policy with the same company or another, the current discount remains valid.

In some cities, third-party companies sell fake MTPL policies, offer reservations, as well as blank and completed forms. If such a document is purchased after an accident, the car owner will have to restore the car at his own expense, since no one will pay insurance.

Fake civil liability policies cost much less than original ones, especially when it comes to foreign cars. However, it is a mistake to think that you are the best driver who can avoid accidents. Anything can happen in life, and it’s not for nothing that there is a saying - the miser pays twice.

Due to the fact that recently there have been big problems with the purchase of compulsory insurance policies, you can buy compulsory motor liability insurance online.

Before purchasing, we recommend that you calculate the cost of an MTPL policy using a 2020 calculator. Our calculator will not only calculate the price of the policy for you, but will also show you the most advantageous offers from various insurance companies.

An example of calculating the KBM for accident-free driving

With accident-free driving and no insurance payments, the driver’s class increases by one point every year. In this case, the BMF decreases according to the table.

For example, a class 6 policyholder has a coefficient of 0.85. After a year of accident-free driving (only accidents that occurred through his fault are taken into account), he will receive category “7” with a multiplier of 0.80.

An example of calculating KBM in case of accidents

Calculating the KBM in the presence of accidents is just as easy. If a motorist has four or more traffic accidents in a year, then the class drops to the lowest point “M”. If one to three accidents are initiated, then the KBM table is used to calculate the category.

For example, a class 10 policyholder with a multiplier of 0.65 caused two accidents in one year. As a result, his category dropped 7 points to “3” with a coefficient of 1.

The class is downgraded only in cases where the driver is at fault in an accident.

How does the KBM affect the amount of contributions?

The Bonus-Malus coefficient can both reduce and increase the cost of compulsory motor liability insurance.

This happens as follows. The basic cost of the contribution is multiplied by the value of the KBM. When the coefficient is greater than zero (categories “M” and 0-2), the price increases. When it is less than zero (categories 4-13), the driver is given a discount. In third class, the base fare does not change.

How to calculate KBM with unlimited insurance

“Bonus-Malus” with open insurance, that is, without restrictions on the number of drivers, is equal to the value of the car owner’s BMI. It changes according to the same rules as for a regular policy, but the discount applies only to a specific car.

Let's say you are the owner of a Nissan car and have issued an open MTPL for it. After a few years you got category 10 and a 35% discount. Despite the fact that people with other classes - smaller or larger - can also drive vehicles, your indicator is used to calculate the cost of contributions. But when buying a second car, for example, Renault, you will have to earn a discount “from scratch,” from third class, regardless of what category the Nissan had.

At the same time, another special multiplier is used for open MTPL. In 2019 it is 1.87. This means that unlimited insurance will be 80% more expensive than regular insurance (not taking into account other factors).