and in the Memo of the Ministry of Finance for policyholders, defines the main characteristics of the KBM:

• information about the insured event for which compensation was made,
• the time of making the compensation coincides with the validity period of the previous MTPL agreement,
• data on insurance payments are recorded in the AIS OSAGO, which is supervised by RSA.

If all three conditions are met, the driver's experience affects the price of the insurance policy.

Where is indicated in the policy

The legislation does not regulate the recording of KBM in the MTPL policy. The standard policy form approved by the Government does not contain additional fields for KBM, even in section 3, which lists persons approved to drive a vehicle.

The absence of KBM in the policy is quite logical - otherwise all the coefficients that influence the calculation of the insurance premium would have to be rewritten. Some insurance companies prescribe KBM for all drivers, putting it in parentheses after indicating the personal data.

Initially, when filling out an application for concluding a compulsory motor liability insurance agreement, the policyholder enters all the coefficients assigned in previous years in section 7. This is enough for reconciliation with the RSA data.

Some insurance companies still prefer the principle of transparency to the MSC. And they enter it either opposite each driver in section 3 of the policy, or in section 8 - “special notes”.

What does it depend on

KBM - bonus-malus coefficient - a concept with a literal translation from Latin “good - bad”, “many - little”. KBM is both a system of reward and punishment.

If the driver drives the car carefully, does not get into accidents, and does not cause material harm to others, he saves the insurance company money because it does not have to make insurance payments. Accordingly, his exemplary legal behavior should be encouraged by providing a benefit (discount, bonus) for paying for the next insurance under the MTPL program.

If the driver’s behavior on the road is dishonest, illegal, indifferent to the life, health and property of other road users, the company performs additional work and bears the cost of insurance compensation for accidents. The price of insurance for the next year increases in proportion to the risk of payments, regardless of the insurer's company. This function of the KBM is punitive and educational (malus).

In addition to the number of insurance payments, the coefficient is affected by:

• The term of the MTPL contract according to the KBM law is calculated only for contracts concluded for 1 year,
• The number of drivers allowed to drive vehicles. An MTPL agreement with restrictions means that the car can be driven by any driver from the list. Therefore, for the calculation, the maximum KBM.

Table

To use the KBM table correctly, you need to know:

• the number of insured events with payments during the period of validity of the previous contract. In this case, all payments for one case are summed up.
• the class that was determined at the beginning of the previous contract.

Application of KBM

The KBM is tied to the driver, not the car. Each subsequent KBM is established on the basis of information about the driver’s insurance history, taken from documents or from the AIS OSAGO.

In case of early termination of compulsory motor liability insurance and the conclusion of a new one, the CBM calculated under the terminated contract is applied.

The calculation of the CBM also depends on the form of the MTPL agreement.

If the list of drivers in the policy is limited, the KBM is prescribed (in the contract) for each of them. But for the formula for calculating the insurance premium, the worst (largest) coefficient is taken. If information about drivers’ driving classes is unknown, then a BMC of 1 is automatically assigned.

Example

In January 2015, 3 drivers are included in the policy. Both of them have 3 years of accident-free driving. The third KBM at the end of 2013 was 0.95, and in 2014 3 insured events with payment were recorded. To calculate the price of compulsory motor insurance, the last driver’s KBM will be used, which in 2015 was 1.55.

If the old contract did not limit the circle of drivers, but the new one did, then provided that

• no payments were made in the previous period,
• the policyholder is the owner,
• the insurance company must apply the reduced BMR.

If the car can be driven by drivers whose circle is unknown and not limited at the time of concluding the contract, then the class is assigned only to the owner of the vehicle. Accordingly, the entire history of payments for insured events “falls” entirely on him. Payments for violations of other drivers will spoil the owner’s KBM for the next year.

When concluding an unlimited MTPL, the KBM is assigned according to the last agreement. If there is no data in the AIS, then the BMR is calculated according to class 3 and is equal to – 1.

If the old contract is limited and the new one is not, then the KBM is assigned according to the last class of the vehicle insured. If the class cannot be determined, class 3 is assigned and the full KBM tariff without discounts and surcharges equal to 1 is applied.

The reason for the decrease in BMR

Important

1. Reducing the BMI is the use of preferential insurance conditions, i.e. discount compared to the previous period.
2. An increase in KBM is, on the contrary, an increase to the last coefficient.

You can make OSAGO more profitable in the following cases:

• Accident-free driving during the validity period of the old policy. The discount will be 5% for each year.
• Concluding an unlimited contract, in which the owner of the vehicle has a lower KBM than the driver. However, the benefit will be limited only by the cost of the policy, given in the AIS OSAGO.
• Loss of the entire MTPL insurance history, or a break in driving since 2011 (from this moment on, centralized recording is carried out in the AIS MTPL), provided the BMR is higher than 1.

There are several situations in which, when concluding a new contract, the insurer can apply an increased BMI to the driver:

• If there are insurance payments for accidents for the previous period,
• When concluding a contract for a limited number of drivers, the reduced KBM is calculated, i.e. applies only when calculating the price of the policy. In this case, your personal KMB will not change.
• If there is no data in the AIS OSAGO about the driver’s previous class, the driver will be automatically assigned KBM-1. So, if in the previous year the BMP was lower and there were no accidents, the driver will lose up to 50% discount (for 12th grade).

If the KBM is incorrect

Since 2015, the procedure for changing the KBM in OSAGO has been simplified. You can check your insurance history through the services on the RSA portal. If the policyholder discovers that the calculated BMI is incorrect, he directly contacts his insurance company with a request to change the coefficient. The employee checks the information in the system and corrects the error.

It is worth remembering that RSA does not have the authority to enter data into the AIS OSAGO system; it only provides technical support. The data in the system is up to date: by law, the insurer is required to enter data on conclusion, renewal, change, termination and others. Missing data is also included, regardless of how long ago it was. Lost ones cannot be restored.

Application for recalculation

An application for recalculation of the insurance premium is submitted directly to the insurance company (to the sales office and a copy with a mark of acceptance to the head office). There is no specific form, so the content is free.

• It is necessary to reflect the fact that an incorrect KBM is indicated in the policy,
• attach a copy of the extract from the AIS OSAGO from the RSA website, where the correct KBM is registered.
• Copy of driver's license, STS,
• Provide your passport details and postal address.

The consideration period is 30 days according to the law on consideration of appeals. If the insurance company refuses to recalculate the premium and make changes to the BMR, you should contact the Central Bank.

How long does KBM last?

The established bonus-malus coefficient is valid

• During the validity period of the MTPL agreement, under which the next class is assigned to the driver,
• Upon reaching grade 13 and subject to accident-free driving in the future - indefinitely.

The bonus-malus coefficient is the only opportunity for a driver to influence the cost of compulsory motor liability insurance through lawful behavior. Perhaps in 2017, at the suggestion of the RSA, the legislative framework and by-laws will change to improve the situation for vehicle owners. Until this happens, do not break the rules and track your insurance history through the AIS OSAGO service.

Updated: 07/29/2019 5326

How to restore KBM - 3 ways. Step-by-step instruction

Hello, dear readers! I am with you again, Ilya Kulik, and today I will tell you how to restore the KBM of your vehicle.

After a two-fold increase in compulsory motor liability insurance tariffs on the bonus-malus coefficient (BMC), drivers began to pay much more attention than before, when insurance was almost cheap. Now, most motorists take the KBM discount into account in their budget and, accordingly, make more efforts to increase their insurance class.

However, often, after the next insurance, when replacing rights and in some other cases, the value of the BMR, after re-checking it, turns out to be unreasonably inflated, which automatically increases the cost of the policy.

This is of no use to you, is it?

With the help of the tips from this publication, you can restore the KBM points you are entitled to and even get back the money unfairly overpaid to insurers.

Sometimes drivers, when renewing their car license, discover that the payment amount has unreasonably increased, and the discount does not correspond to the accumulated class and CBM: it has not increased to the expected value, has sharply decreased or disappeared altogether.

In this regard, you should first know that since July 2014, information on the previous insurance period, for the correct calculation of the driver's insurance class and insurance class, is taken exclusively from a database common to all insurance companies (IC).

The AIS RSA database (Automated Information System of the Russian Union of Auto Insurers) may contain data inaccuracies of various origins, leading to subsequent incorrect calculations.

But you should keep in mind that most often the driver simply misunderstands the principles of calculating the KBM - which is not a real error, but a misunderstanding. That is, if an error is suspected, the policyholder should not exclude himself from the circle of suspected causes. After all, the human factor must always be taken into account, right?

Possible reasons for reducing discounts that are not related to errors

Registration of unlimited compulsory motor liability insurance

You should know that if the previous insurances were ordinary (with a limited list of drivers), then according to the established rules, all previously accumulated insurance points are taken into account only if the same vehicle (V) is used.

That is, when applying for this insurance, the full name of the driver and his vehicle (make/model, VIN code, etc.) must completely match those indicated in previous policies. In this case, you will retain your class and KBM. Otherwise (for example, when buying a new car), your class will be reset to standard third (KBM = 1).

Permit to drive multiple vehicles

If the driver is included in other MTPL policies, then his accumulated points may not be taken into account in accordance with their values ​​if they are higher than someone else’s points indicated in the same policy.

Different policies, even those belonging to the same driver for different cars, may have different discount points (KBM, classes), depending on what points the registered drivers have.

The general rule: in an insurance with several drivers allowed to drive, the BMC value is taken from the driver who has the lowest. Today, with the introduction of a common AIS base, it will not be possible to hide the presence of a driver being included in another insurance (for example, by changing the insurer).

Let me give you an example: A husband and wife each have a car. The spouse has a BMR value of 0.5 (maximum), while the wife has only 0.95. The wife is included in her husband's insurance. Therefore, the cost of the policy for the spouse and his car will be calculated in accordance with the spouse’s BMR - equal not to 0.5, but to 0.95.

Interruption of insurance period and making changes to the policy

As you know, driving insurance experience is accrued based on the continuity of accident-free driving (for a full 12 months) and a break in it for more than a year leads to the reset of accumulated insurance points.

Insurance points increase by a 5% discount annually (subject to accident-free driving), but this increase is not accrued when purchasing insurance for a period of less than 12 months and when making changes to the policy (for example, allowing another driver to drive a vehicle).

Typical causes of most errors

Changing your driver's license

This is a very common reason leading to incorrect calculation of points by the insurer. The blame here lies mostly with the driver, since the license is a personal document, with all the attendant responsibility.

Most often, women change their license (when they change their last name), but they usually forget to follow the rule: if the driver changes his license, he is obliged to notify his insurer about this. Oh these women...

As a result, during the next insurance with a new insurer, the information provided will lead to a discrepancy with the old ones available in the RSA database.

And this will not even just lead to an error, but in general to a completely legal start of a new insurance history, since according to AIS RSA, this driver will be considered a different person.

Liquidation of an insurance company

If the insurance company is liquidated (for example, due to bankruptcy, license revocation, etc.) before it transferred your data to the AIS system, then, naturally, there will be a gap in the insurance history, which can lead to the loss of points.

Entering your data into the AIS database must be carried out on a mandatory basis at the end of each insurance year and this is the prerogative of insurers, and not RSA, which is only an insurance arbiter.

Of course, anything can happen over the course of a year, including the liquidation of your insurance company, which may be negligent in the procedure for terminating its activities and not sending the available information to the AIS.

Human factor

And these are the real mistakes made by insurance agents. Here it is critical to correctly fill out personal identifiers: full name, date of birth, etc. Even one wrong letter or number can lead to incorrect or problematic reading of your data by the AIS system.

If you read it incorrectly (this does not happen very often), for example as a result of a distortion of your last name, the AIS may mistake you for another person. And in case of a problem, when the system itself detects any incorrectness or discrepancy, it marks your directory as erroneous.

In both cases, upon subsequent insurance, the points will be reset, so be careful when providing your data to the agent and control this process.

Restoration of KBM

Preliminary actions

There are several ways to restore the KBM. All of them are based on official appeals to various organizations.

But before you make these requests, you need to prepare for them in advance:

• Collect documents;
• Determine who made the mistake and when.

Documentation

You need to collect the necessary documents, convert them into electronic scanned copies and print out paper versions - they will be needed as attachments to subsequent electronic and postal requests.

Here is a list of the documentation required in this case:

• Personal passport – scan and photocopy of the first page;
• Driver's license - full scan and photocopy;
• Insurance policies – full scan and photocopy of all copies that you have.

If you do not have old policies (they are irretrievably lost in paper and digital form), then be patient and contact each of your insurance companies for the appropriate certificate on the existing contract.

Today they do not have the right to refuse you such an insurance company and are obliged to provide the document within 5 days. These certificates will replace lost policies in the process of restoring the KBM.

Finding the error

You need to try to independently determine which insurer and at what point the mistake was made (at least approximately) - this will significantly speed up the recovery process.

To do this, write down the data you have: the dates of the conclusion of the insurance contract in relation to each of your insurers. Then, on any online service, conduct a check-search for KBM.

In the MTPL policies themselves, the KBM is usually not specified (sometimes the class and KBM are included in special notes, but not always), because of this, it must be determined for each year independently, and verification is needed for each month of each insurance period.

But this is not always required - if you have previously checked the cost of compulsory motor liability insurance using an online calculator every year and know for sure that everything was fine, then the reason for the incorrectness of the insurance points will be the most recent contract.

And if there were no annual inspections, then go through all the periods, starting with the most recent one. If you find an erroneous discrepancy, do not stop and check further - it may not be the only one.

Attention! When making calculations, take into account changes in tariffs for compulsory motor insurance in recent years.

Now you can proceed directly to restoring the KBM. Ready? Then go ahead.

Recovery procedure

The procedure for restoring a KBM today is much easier than before - usually it is enough to contact one, or less often two, organizations. This is due to the strict position in this area of ​​the Central Bank of the Russian Federation, which has many powerful levers of pressure on any insurance companies.

Thus, in 2015, Rosgosstrakh was temporarily deprived by the Central Bank of the Russian Federation of a license to issue compulsory motor insurance due to non-transparent methods of conducting insurance business and a large number of complaints from the population.

This serious act has become indicative for all other less significant companies, which are now trying not to cheat, but to deal honestly and restore the points assigned to drivers, since there is too much at stake - an insurance business license.

Here is the current optimal sequence of calls to organizations for the restoration of KBM:

1. Contacting an insurance company;
2. Complaint to the Central Bank of the Russian Federation;
3. Complaint to RSA;
4. Additional features.

Let's look at all this in more detail.

Contacting an insurance company

From the above list, the most effective is a complaint to the Central Bank, but note that it is in second place. And this is not without reason, since it is now assumed that the bulk of the problems related to the restoration of the KBM will be solved by the insurers themselves.

Since December 1, 2015, they have been officially charged with the responsibility of considering and solving emerging insurance problems at the request of citizens.

There are serious sanctions for ignoring them. The state has finally taken on a long-standing problem, which is encouraging. Do you agree? Now, to restore the CBM, you can contact your current, or even your chosen future insurance company.

The official website of a decent insurance company should have a special online form for citizens’ requests, including on the issue of restoring the KBM, with the ability to download the necessary documentation in electronic form.

If there is no such form on the website of your insurance company, then send them an appropriate application addressed to the general director of the company by e-mail. This application is drawn up in free form, and as a sample you can use the form of a similar application in the RSA, changing the details of the header.

Helpful advice:

At this stage, in order to generate more enthusiasm among insurance company employees, it would not be superfluous to simultaneously send a regular postal request to the physical address of the insurer, with a receipt confirmation and a list of attachments of printouts and documents. Well, it’s worth mentioning in the email that your message is duplicated.

Sample application to the insurance company - .

Complaint to the Central Bank of the Russian Federation

If within 30 days there is no decision from the Investigative Committee to which you applied, then you have every right to use “heavy artillery” - filing a complaint with the Central Bank of Russia.

However, please note that the Central Bank will consider your complaint regarding MTPL policies that expired no more than one year ago, although the request of this organization to the IC will concern all the contracts it has in your name.

Step-by-step instructions for filing a complaint through the Central Bank website - 4 simple steps

Step 2

On the page that opens, in the “Insurance Organizations” section, click on the subsection link “Incorrect application of KBM"

Step 3

In the form that opens, click the “No, proceed to filing a complaint” button and enter pre-prepared data in the appropriate fields: the official name of your insurer, the text of the complaint, date, address of purchase of the policy, region. Upload prepared scans of documents.

Step 4

On the second page, enter your information and contact information.

Your complaint will be considered by the Central Bank service within 10 days (a completely tolerable period). During this time, official requests will be sent to your insurer, which he will not dare ignore.

You can write a complaint in the usual way. Here .

Complaint to RSA

This option is presented as an additional one if for some reason the first two did not work, which rarely happens. It should be understood that this organization, despite the AIS database being under its jurisdiction, does not have the right to make changes to it.

But RSA has a very effective set of levers of influence on insurance companies, so it may well force them to fulfill their obligations to policyholders.

For citizens' requests, there is a special page on the official website of the RSA with all the necessary information. There is an email address to which the complaint should be sent and download links.

Additional features

Sometimes, in some rare cases, it may happen that all three of the above methods did not work. Anything can happen, right?

But if you are still confident that you are right, then, with the presence of collected documents, official refusal responses, just postal notifications of delivery of appeals and complaints, you have the right to file a lawsuit.

Alternatively, complaints can be sent in parallel to Rospotrebnadzor, FAS (Federal Antimonopoly Service) and the Society for the Protection of Consumer Rights - on the official websites of these organizations there are special pages for citizens’ complaints.

There is another very interesting opportunity for many: recently, some insurers, in order to lure clients to themselves, have been offering drivers free restoration of the vehicle at a professional level (if this is legal, of course), subject to the purchase of another MTPL policy from them.

Such services are offered, for example, by St. Petersburg “Osago Spb” and some other companies. Sometimes individual insurance brokers do similar things.

Return of overpaid funds on an incorrect KBM

Well, we sorted out the return of the KBM. But some drivers still have an unpaid debt from insurers in the amount of all misappropriated money for incorrect discounts (or lack thereof). And such a debt is sometimes quite considerable.

Is it possible to demand it from insurers? It turns out that it is possible!

Here's what you need to do to do this:

• First you need to restore your KBM.
• If you restored the KBM with the insurer, then you need to additionally ask them to recalculate all payments, determine the amount that they mistakenly owed you and offer to reimburse it. If the company is serious and values ​​​​its reputation, then they will not be too stubborn and everything will pass peacefully.
• But if at the very beginning you had complications with the insurer and had to involve the Central Bank of the Russian Federation, then from there, after processing your complaint, a notification letter should have been sent to your physical address containing a full recalculation of insurance premiums for the entire period and the final amount to be reimbursed.
• If your insurer KBM restored it itself, but refused to pay the debt, then write a complaint to the Central Bank and wait for a notification letter.
• When the notification letter is in your hands, make a copy of it and write an application for the return of the excess portion of the insurance premium in two copies. Here .

Then prepare two packages of documents.

First, you present it to the insurance company:

• Original notification letter from the Central Bank of the Russian Federation;
• Original application for refund;
• Your bank details.

The second one you keep for yourself:

• A certified copy of the notification letter from the Central Bank of the Russian Federation;
• A certified copy of the refund application.

With both packages, go to the insurance company, where each document in the last package (yours) must be certified by the insurance company employee to whom you handed the first package: something like “Accepted the documentation. Position, full name, date and signature.

That's all - the insurer is required by law to return your overpaid cash to the specified account within two weeks.

It is interesting that, according to the experience of some motorists who applied for a refund, they were the first to make such claims (as they were surprised to hear in the Investigative Committee). Probably, people, having returned their points, considered this already a good achievement and did not attempt to go further. That's it.

If you want to know additional details about the restoration of the KBM, they are available in this video:

• When purchasing another MTPL policy, if you have changed your driver’s license during the past year, you must enter a notification about this with the series/number of the old certificate in the “Special notes” field.
• To prevent insurance managers from making mistakes, allow them to independently rewrite all information from documents, rather than dictate it. Then check that the entered data is correct. This is especially true in cases of insurance by freelance agents.
• Keep in mind that since 2011, the insurer has no right to deprive you of insurance points, even if all the lost certificates, the data of which can be restored upon appropriate requests.

Conclusion

Now you know that KBM can be restored in three main ways and that now insurance companies are more scrupulous about this than before. You also realized that after the restoration procedure there is no need to be modest and forget about the overpayment amount due for refund.

Maybe some of you have had interesting cases regarding the restoration of KBM OSAGO and would like to tell about them? Then the comments and attention of my blog readers are at your service.

That's all for today, dear motorists. Wait for new useful publications, subscribe to their updates for convenience, press the buttons on social networks and drive your cars carefully, accumulating maximum discounts on KBM!

More on the topic:

Comments to the article: 64

Ilya

01.11.2016 | 01:26

“all previously accumulated insurance points are taken into account only if the same vehicle (vehicle) is used.”

Wrong. The KBM is not tied to the car, it is tied to the driver.

“The husband and wife each have a car. The spouse has a BMR value of 0.5 (maximum), while the wife has only 0.95. The husband is included in his wife’s insurance, and if the insurer finds out about this (and if there is an AIS, this is inevitable), then he can decide to change the spouse’s class to the lowest option of the two - 0.95, and this is entirely within his right.”

Wrong. In this case, the cost of insurance for the lowest class is simply calculated, and nothing more. Higher class KBMs are not leveled to the lowest.

1. Ilya

   12.12.2016 | 13:23

   Hello, Ilya.

   The first place you indicated does not say that the KBM is tied to the car - you were mistaken.

   In the second case, yes, there is ambiguity, which is well explained in this article: "".

   Thank you for your vigilance, the text will be corrected.

   All the best to you, Ilya.

   1. Artem

      14.06.2017 | 20:11

      You answered that the text will be edited, but six months have passed and it’s still the same. And I still don’t understand why the accumulated discounts are not transferred to the new car? Everything used to change - has something changed recently? Could you point to a provision in the law where this is described?

      1. Igor (Ilya's assistant)

         10.07.2017 | 12:21

         Hello, Artem.

         We will answer you in order.

         First question:

         "Wrong. The KBM is not tied to the car, it is tied to the driver.”

         In what case is this really true? That's right - in case of registration of a classic MTPL. And in what case is the KBM calculated according to the car? That's right - in case of registration of unlimited compulsory motor liability insurance. These are two different forms of motor vehicle license and some of the rules associated with them differ. What is the subtitle of the text from which you took the “erroneous” fragment? That’s right – “Registration of unlimited compulsory motor liability insurance.”

         Second question:

         There were indeed inaccuracies in the example given - they have been corrected. Regarding the delay in this: a resource like the Kulikavto blog (this is only nominally an autoblog, but in fact a serious legally oriented site under development) requires a considerable amount of time, so the administrator does not always have time to correct certain details. In this regard, the management of the resource attracted additional specialists (including me) to process comments, which in itself is a rarity - on most auto sites, problematic sections of the text, unanswered comments, etc. places that require attention have been hanging for years. Therefore, treat these things with understanding.

         Third question:

         I understand that you have a problem with the loss of discounts on KBM when insuring a new car. The KBM is not lost when purchasing a new car, provided that a classic OSAGO is concluded, because in this case the points are calculated based on the driver. Loss of points may be caused by the reasons described in the article - transition to an unlimited form of compulsory motor liability insurance, mistakes of insurers (old and new), change of rights, etc.

         All the best to you, Artem.

         Oksana

         13.11.2017 | 14:02

         Good afternoon! Tell me what documents need to be attached in order for the overpayment to be returned (KBM was restored, a letter was received from the insurance company) by mail. Because if you go to the office it takes a whole day, now there is a new feature in Voronezh, Rosgosstrakh accepts one client for 1.5-2 hours. Thanks in advance.

Olga Ivanova

11.11.2016 | 07:30

Good afternoon Is it possible to restore the KBM if it was mistakenly reset by the insurance company 3 years ago? Now this insurance company no longer exists; it was purchased by another insurance company. The policy in which the reset occurred naturally was not preserved.

Ilya

11.11.2016 | 13:38

Nikolay

01.12.2016 | 21:25

under an unlimited policy (10 years) kbm 1 is this correct?

Natalia

12.12.2016 | 08:55

“This is especially true in cases of insurance by freelance agents.” It is managers (employees) who most often make mistakes, not agents. Because an agent is, as a rule, an experienced person, or a former employee of the insurance company who began working for himself. And a manager (specialist) is (mostly) a person who is just starting to work in the insurance industry. In my experience, this is usually what happens: first a manager, then a department head, then a deputy, then a director, and then your own agency (or better yet, a broker).

Maksim

03.01.2017 | 21:10

Good evening. In recent years, I have taken out an unlimited MTPL policy at the insurance company MSC and KBM, I had 0.55, but when I came to Rosgosstrakh, I don’t have KBM. What should I do?

Alla Mikhailovna

26.01.2017 | 16:27

Good afternoon, Ilya! When transferring from RESO to VSK (due to the lack of forms), there was a gap of 7 days between policies, which is why, according to the explanation of the VSK manager, the preferential KBM was lost. RESO has not contributed anything to the database. But I have all the old policies from 2005 with both insurance companies. Should I contact the current Investigative Committee (VSK) with a complaint and attach scans and copies of documents, or demand that RESO enter the data into the database? Or directly to the Central Bank? Thanks in advance for your answer.

Catherine

13.02.2017 | 20:36

Hello. Ilya, I have a question, the validity period of the insurance policy in Reso was from April 22, 2014 to April 21, 2015. The BMF was 0.70. When she came to the insurance agent, she didn’t find me in the database (I didn’t have the policy with me), although as it now turns out, I was. Due to family circumstances, it was necessary to leave urgently. Since there were only Rosgosstrakh policies, I had to insure there, the validity of the policy from 03/30/2015 to 03/29/2016 Is the KMB lost in this case? If not, how can I return it? Now SK MAKS from 03/30/2016 to 03/29/2017. Thank you in advance.

Catherine

14.02.2017 | 07:34

It was, because the contract was valid from 04/22/2014 to 04/21/2015. (I still have it in my hands.) It’s just that at the time I contacted the agent on March 30, 2015, I didn’t have it with me and I didn’t remember the expiration date of the contract. She didn’t find me in the RSA database. It turns out that the insurance was issued 21 days earlier, only in a different insurance company.

Leonid

16.02.2017 | 09:28

Hello Ilya! Thanks to you, I restored my KBM. The IC office is 200 km from our village.

To return the overpaid money, I am not able to travel. Can I do this

via mail or internet and how? And further. From 2015 to 2016 - Rosgosstrakh policy. From 2016 to 2017 - Guardian. Now Reso. Who will return?

Sergey

17.03.2017 | 17:25

Good day! In 07-08 There was a class 5. In 08. I bought a new car and another insurance company applied class 3. I missed it (human factor). How can I restore the KBM now if I have all the policies since 03? The current IC could not - the answer is that there is no data in the AIS RSA.?

Anatoly

18.03.2017 | 11:53

Hello Ilya! I lost my KBM in 2014 (it’s a murky story) There was no accident through my fault. The entire period of my break according to the RSA analysis was 1 year and 4 months, but for this period I was included in the insurance of my son KBM for both 0.6 (for there is no accident either). Question: Have I saved the KBM? And another question: Was there a regulation or decree on the suspension of compulsory motor liability insurance in 2012, 2014 or 2015 and for what period?

Galina

22.03.2017 | 01:22

You write that from the Central Bank, where I applied to restore the KBM, there should have been a letter with a full calculation of the debt for insurance overpayments for previous years and with the amount of the overpayment, but they only calculated the insurance for this year. Over the past 10 years, I have been incorrectly charged KBM, and now I would like my money back. Thank you.

Andrey

24.03.2017 | 01:59

Hello, in 2015, the insurance company reset my KBM to zero (I didn’t understand what it was then). Now, despite the fact that I have been driving my KBM 0.95 without accidents for more than 7 years. And the cost of insurance is steep. The insurance company that reset this “MAX” has been insured with Insurance Company Strazh for two years. Is it possible to restore the KBM?

Irina

05.04.2017 | 12:10

I restored KBM from 1 to 0.6 and class from 3 to 11. Now I bought a new policy from VSK, how can I get money back for last year from another insurance company? Do I need to contact them? And can this be done online? By mail? What is the exact one? list of documents need to be submitted?? restored by KBM via VSK

Andrey

18.04.2017 | 17:53

Hello!!! Help me understand the issue. In November 2013 there was an accident, before it the BMR was 0.6, after the accident on the website the next policy they gave me was 0.85. As I understand it, it was because of the accident. From April 2014 to April 2015 I was insured by Rossgorstrakh. This policy is not on the RSA website, or rather it is, but it cannot be found on dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm. When insuring in April 2015, I was given KBM 1. Installed by the MSC company. As I understand it, I haven’t had car insurance for a year. How can I restore my KBM?

Alexander

04.05.2017 | 11:05

Hello Ilya. I read your articles regarding the restoration of the KBM. I have been insuring myself with Rosgostrakh for many years, my driving experience is 27 years, my last car is 9 years old, I take out insurance every year, I have never had any insurance payments. At the extreme pole, the BMR is 0.95. I made a request to RSA for KBM, there is information only on the last pole. The insurer Rosgostrakh does not enter information into the RSA and I did not save the old poles. I didn't think they would be needed. What should we do now? How to force the insurer to enter information about poles for previous years and establish the correct BMI?

Oleg

05.05.2017 | 20:33

Good evening! On the RSA website I saw that the kbm was reset to zero in 2013, when I insured the car, namely on April 20, 2013, kbm = 1, before that the insurance contract was from 07.28.2011 to 07.27.2012 and kbm = 0.85 (there was a break from 07.27. .2012 to 04/20/2013 but less than a year).Insurance Service reserve, with which I have been insured since 2008. Last year I bought a new car and had to insure myself with INGOSSTRAKH, kbm = 0.85. This year I was insured again with the Service reserve and the kbm was 0.8, and if it didn’t reset to zero in 2013, it should have been 0.55. And what’s most interesting: I’ve had the policy since 05/12/2017 and if you set this date, then kbm =0.8, but if you set the date earlier than this, then kbm = 0.55! Can I return kbm = 0.55?

Georgiy

24.06.2017 | 19:48

Hello! Is it possible to restore the KBM with a certificate from the traffic police? I was insured something like this: 2007-2010 Ingosstrakh (no poles). 2015—2017 consent. I didn’t travel from 2010 to 2015. Ingosstrakh does not issue KBM certificates. rights since 1999.

Sergey

Your length of service (full years)

If you have had an accident

The result may vary depending on whether the accident was your fault.

When applying for compulsory motor liability insurance, many drivers are faced with such a problem as an incorrect KBM. Today we’ll talk about ways to restore the discount on OSAGO - KBM.

The discount disappears as a result:

• An error occurred while completing the form. For example, while providing information on the policy to a single database, a representative of the insurance company made a typo in the driver’s full name or driver’s license number.
• Replacing rights. Drivers often change their license due to expiration or loss. At the same time, no one even realizes that after changing the document number, the discount should be “rebalanced” in a single database. This can be done independently via the Internet or in the office. As a result of ignorance, the earned bonus is not displayed when calculating the new protection.

Let's consider several options for restoring it.

In person at the insurance company's office

The simplest and most proven method of restoring a discount on a car license. To do this you will need:

• take an issued policy with the right discount;
• visit the insurer's branch;
• to write an application.

It is best to contact the central office, since the employees of this department have great powers.

As for the application, there is no exact sample. Here is an example in free form:

To the Director of Insurance Company LLC Ivanov I.I. From the insured Petrov P.P. Statement When concluding the OSAGO policy of series EEE No. 0101010101, a coefficient of 0.5 was applied (accident class 11). When concluding a contract for a new term, the 3rd accident class is determined according to the RSA database. I ask you to look into it and restore the discount, since during the period of validity of the auto insurance policy there were no insured events due to my fault. Please provide your answer to the email address at [email protected]. Decoding The completed application should be completed and submitted online via the feedback form. In practice, RSA makes changes within 2-3 business days after receiving the request. Through the Central Bank If the insurance company and RSA refuse, then you should file a complaint with the Central Bank. The application is filled out remotely on the official website of the Central Bank. The application should include: OSAGO data; personal information; telephone number for contact; E-mail address; the essence of the appeal. The appeal will be accepted and considered within 5 working days. In practice, with this method, changes are made 100% and the client receives the bonus earned under the policy. Through a broker This option is suitable for those who cannot submit an appeal remotely and contact the office in person. It is worth understanding that brokers are not charitable companies that are ready to spend their time and help everyone. In practice, the cost of brokerage services ranges from 500 to 1,000 rubles. Broker: will independently send a request to the insurance company, RSA and the Central Bank; will officially prepare a response on the change of the KBM. Calculator overpayments according to OSAGO Your length of service (full years)

To encourage those drivers who drive their cars carefully and do not cause accidents on the roads, the bonus-malus coefficient (hereinafter referred to as BMC) is applied. However, the introduction of a unified automated PCA system that accumulates driving histories of all vehicle owners (hereinafter referred to as vehicles) has had some negative effect. Some drivers, instead of receiving a discount on compulsory motor liability insurance provided by the insurance company for accident-free driving, encountered errors when assigning the CBM parameter and, as a result, the cost of the car insurance policy for them increased significantly.

This article will examine situations in detail and give practical advice on what to do if the discount earned by the driver for many years of accident-free driving has disappeared for some reason and how to restore the KBM after replacing the license?

Reducing the BMF: in what cases is it not a mistake?

Before you begin restoring the KBM, you should determine the reason why this indicator was reduced for the driver. It often happens that there is no error in the database, but the car owner himself misunderstood the principle of calculating KBM. As a rule, such situations arise if:

There was a break or changes to the insurance policy

It is important to know that the BMI is reduced in the case of continuous insurance coverage and accident-free driving during this period. If the break is more than 12 months, the discount accumulated earlier will be completely reset. In addition, no discount is awarded for accident-free driving:

• if the policy is issued for a period of less than 1 year;
• when making any changes to the policy (for example, adding another driver, etc.).

Unlimited number of drivers

Let's consider taking out an insurance policy that provides that an unlimited number of drivers are allowed to drive a vehicle. It should be noted that the KBM in this case is determined based on the latest MTPL agreement. It is retained only when using the same vehicle that was indicated in the previous insurance policy.

If we assume that a person recently purchased a car, and in previous car insurance contracts he indicated only himself, but now for some reason there is a need to take out a compulsory motor liability insurance policy for an unlimited number of car drivers. In this case, the KBM of this car owner will be equal to 1 and the basic third level. If an unlimited policy were issued for a car that was previously insured by him, then the bonus-malus coefficient would be preserved.

Incorrect prescription of KBM: possible reasons

In addition to the above cases, inaccuracies and errors may occur at the moment when compulsory motor liability insurance is issued or in the process of entering information into a single database. The following options are possible:

KBM under compulsory motor liability insurance after replacement of rights

At the time of purchasing an MTPL policy, the insurance representative must emphasize that the contract has a separate clause that obliges the policyholder to inform the insurer about any changes in personal data and other documents.

Such timely information allows you to avoid problems and complications associated with such situations:

• Receipt of insurance payments (due to incorrect data provided or untimely provided by the owner of the MTPL policy);
• When communicating with representatives of the traffic police, who may be confused by the discrepancy between the information in the MTPL policy and the VU;
• Accrual of KBM, since the identification of the driver is carried out by the VU number;
• Impossibility of purchasing electronic MTPL, etc.

So, after changing a driver’s license during the purchase of another MTPL policy, the driver’s motor insurance premium is equal to one. This may mean that the document did not pass the RSA check and the car owner is not listed in the database. If you do not want to face such a situation, you should promptly provide insurance information about the new driver's license.

If car insurance has already been purchased with an increased BMI value, you need to submit an application to the insurance company to restore the coefficient, and attach new documents to this application.

How to restore KBM: procedure

The procedure for restoring the KBM should begin with checking the current value of this indicator in the unified AIS RSA database. It is this stage that will make it possible to make sure that the insurance company personnel/insurance agents did not mislead the policyholder, and the KBM was not deliberately distorted by them.

Then you need to find out the moment at which the error occurred in the KBM coefficient assigned to the driver and determine the insurance company whose employees made this mistake ().

On the page of this service, you should use separate queries to check changes in the value of the BMR (monthly for several previous years). This will allow us to identify exactly when the error appeared (for example, on 05/01/2015 KBM = 0.7, but on 06/01/2015 it became 1.0). After this, you can determine the insurance company that issued the policy and made a mistake.

Additionally, you will need to collect a set of documents (copies or scanned copies):

• passport of a Russian citizen - 1st page with photo;
• current VU;
• previous auto insurance policies (it is advisable to provide all available MTPL policies).

If the driver has not saved such policies, you will need to contact the insurance company with a request to issue a certificate of contracts concluded with them. As a rule, it will take no more than 5 working days to receive a response to such a request.

After collecting all the necessary documentation, you can begin the process of restoring the KBM.

How to contact the insurance company correctly

After the driver has determined which insurance company has entered information about him into the AIS with errors/inaccuracies, he needs to contact them with a statement (in writing) about changing the KBM. Such an application is drawn up in the name of the head of the insurance company, and must necessarily contain the following information about the applicant:

• Full name and date of birth;
• data on the VU;
• data of the current MTPL policy (series, number, and date of issue);
• information regarding previous insurance.

The text of the application should describe the situation, and put a personal signature at the bottom of the document. Next, you need to attach copies of the necessary documents collected earlier (previous insurance policy, driver's license, etc.).
With a ready-made package of documents, you need to go to the office of the company where the policy with the incorrect BMR was issued.

Please note that insurance companies currently do not require clients to submit a written request. They make it possible to restore the correct KBM by filling out a special form on their official website and sending the corresponding application and scanned copies of documents to the email address.

To speed up the process as much as possible, you can additionally send a request by mail to the insurer, where you can attach an application and copies of the relevant documents. In this case, you should notify the insurance company by email.

After completing these steps, the insurer who issued the policy with an error is obliged to return the overpayment of the insurance premium. To do this, a separate application must be submitted.

How to file a complaint with RSA if the insurance company does not respond

In the event that the insurance company does not respond to the request in any way or by the time the error was discovered when calculating the BMR, it has gone bankrupt, the driver can apply for restoration of justice to the RSA.

This method is classified as additional and is used exclusively in cases where it is not possible to resolve the situation directly with the insurer. Although the AIS database is under the jurisdiction of the RSA, this organization is not authorized to make changes. However, it has more than serious methods of influencing insurers, which means it can force them to fulfill their obligations.

The official website of RSA has a special application form (http://www.autoins.ru/ru/appeal/). To file a complaint, you can fill it out and supplement the appeal with copies of the relevant documents (VU and previous OSAGO policies).

Additionally, you can attach a certificate from the traffic police (certifying the absence of an accident for a certain period).

The completed appeal should be sent to the email address of the official website, namely: [email protected].

For this issue, the period for consideration of an application to change the BSC is 30 days. After this period, RSA is obliged to issue an official response to your request.

Filing a complaint to the Central Bank of the Russian Federation

The Central Bank of Russia is the main regulator of the insurance market in our country. It is quite natural that if your request is ignored by the insurance company, it is advisable to contact them to resolve the situation.

The Central Bank website has a special form (http://www.cbr.ru/Reception/Message/Register?messageType=Complaint), which allows you to file a complaint remotely.

To do this correctly, you need:

• Select the “Insurance Organizations” section on this page, find “OSAGO” there and click on the button “Incorrect application of the CBM (discounts for accident-free driving) when concluding a contract.”
• In the window that opens, you need to fill out an electronic form (describing the nuances of the problem), and also attach scanned copies of supporting documents.
• A confirmation will be sent to the sender by email that the application has been received and accepted for consideration.
• The period for consideration of a complaint is 10 days (working days). During this period, the Central Bank will request all necessary information.
• When the complaint check is completed, the complainant will receive an email with its results. If the issue is resolved positively (confirmation of the error), the necessary clarifications will be added to the AIS database.

In conclusion, it should be noted that quite often the driver himself is to blame for an error in determining the driver's license, since he forgot to notify the insurer about the replacement of the driver's license.

In some situations, the cause of the error is the inattention of the insurer’s representatives, who make inaccuracies when issuing a car insurance policy or entering information into the unified RSA database.

To avoid errors, you should be careful when concluding a contract. Check your KBM yourself and then you will be insured against overpayments for the MTPL policy.

When changing a license, the driver may lose the BMC (bonus-malus coefficient). After receiving new rights, it is necessary for them to appear in the RSA database. This is important, since at a certain time the compulsory motor liability insurance will have to be renewed, and certain difficulties may arise in obtaining a discount if the changes have not been correctly entered into this register.

Why will the discount disappear when changing rights?

As soon as your license has been changed, you must remember to visit the insurance company to make changes to the insurance policy. If this is done, the driver will not have any questions with KBM during the policy renewal.

If the owner of the new license does not notify his insurance company, the discount may disappear. To return this discount, you need to write a statement and take it to the insurance company that issued the policy that was in force during the period when the replacement of rights occurred.

Throughout the entire period of operation of the MTPL policies, drivers accumulated a bonus-malus coefficient. A discount for those who have long-term accident-free driving experience; during this time the discount could reach 50%.

Every year, in accordance with the law on compulsory motor liability insurance, if there are no accidents, the policy owner receives a discount of 5%, which grows every year. And if, when renewing the insurance contract, it turns out that there is no discount, there may be several reasons for this.

1. The discount could have been lost due to an error by the operator or insurance agent who issued the policy in the past year. When entering the client's policy into the PCA database, an insurance company employee could enter incorrect numbers - make a mistake in the date of birth of the policy buyer, in the driver's license, when writing the client's full name.
2. If the driver, for example, was included in his policy for a new car by relatives or acquaintances who assume that he might someday get behind the wheel of their car. In this case, when entering the data of this driver from his driver’s license into the new policy, the discount amount specified in the last, new policy with a coefficient of 1 is automatically entered into the database, that is, there is no discount. You can discover this fact when re-registering your rights or your policy. You can correct such an unpleasant inaccuracy if you take a certificate from the insurance company showing the break-even of the insurance and refer to the policy that has expired.
3. Most often, the disappearance of the discount is recorded during the replacement of a driver’s license. Regardless of the reason for the change of driver’s license - loss or regular replacement due to the expiration of its validity period, the data on the new document must be entered into the RSA database. Upon arrival in the insurance company to renew the policy, it may be discovered that when the agent entered the updated VU data into the program for obtaining a new insurance, there is no information in the database for this driver, so he was assigned a coefficient of 1.
4. There are times when the break-even driving discount mysteriously disappears. This occurs when the insurance company is unwilling to provide it. This position of the insurance company is understandable, since compulsory motor liability insurance today is unprofitable at its nominal cost, not to mention the fact that with a discount, insurance will be half the price.

How to restore the KBM when changing your driver's license?

In the application, the driver who has changed his license must indicate the series and number that his old driving documents had.

Where to contact?

There are several options for restoring the discount. Each of them is based on an appeal to the appropriate authorities. Before you go to resolve this issue, you need to prepare all the necessary documents, as well as establish what caused the disappearance of the discount.

To restore the KBM, you can contact RSA, the insurance company that issued the MTPL policy, the Central Bank of the Russian Federation, contact private brokers, or use the services of Internet companies that provide services for restoring the KBM.

Contacting the insurer

In order to restore the discount due to the driver after replacing the license, you must first contact the insurance company that took out the insurance; they must make changes to the RSA database for each driver. This method is most suitable if the change of ownership occurred while the policy was in force.

In this case, the operator is obliged to enter new VU data into the insurance policy and into the database. Some insurance companies provide the opportunity to submit a claim to reinstate your bonus online. On the official website of the insurer, you need to enter your request in a special form. Add to the application documentation confirming the change of rights in electronic form. You can send your application to the Investigative Committee by email, addressing it to the director of the company.

Contacting the Central Bank

If the issue of restoring the discount within 30 days has not been resolved by the insurance company, you can contact the Central Bank of the Russian Federation. But you need to understand that the Central Bank is considering complaints regarding policies that expired no later than a year ago. The request from this organization will be considered in relation to all contracts that were concluded by the applicant in this insurance company.

Contact RSA

The possibility of contacting the RSA is additional if it was not possible to solve the problem in the Insurance Company or the Central Bank. You need to know that the Central Bank of the Russian Federation, despite the AIS database falling under the jurisdiction of this organization, is not authorized to make changes to it. But she has effective leverage over the insurance company, so she can force her to fulfill her obligations to the client.

There is a page on the RSA website specifically for citizens’ requests that contains all the necessary information. You must send a complaint to the email indicated on this page. Current application forms are also available here.

Procedure for filing a complaint

With copies of documents and an application, you need to go to the authority where you will have to resolve this issue of restoring the bonus (SK, Central Bank, RSA). Restoration of the KBM should be carried out according to the following scheme:

• register the application with the secretary;
• write an application for recalculation and return of the money overpaid for the policy (if this fact occurred);
• wait 30 days for a response from the insurance company;
• if a negative decision is received, file an application with the court;
• if the answer is positive, the necessary changes will be made to the RSA database by the IC staff.

Documentation

To restore the KBM, you need to collect the following documents:

• insurance policy, incl. old;
• certificates confirming the absence of unprofitable driving;
• copy of the VU;
• a policy that includes other drivers who have the right to drive a car.

Having collected these documents and written an application, you can go to the Investigative Committee, the Central Bank of the Russian Federation or the RSA to restore the KBM. The main thing is not to delay time and act quickly.

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