OSAGO break-even class

KBM table 2019 - calculation of the MTPL discount

The price for an MTPL policy is determined according to the tariffs established by the legislation of the Russian Federation. One of the components of these tariffs is the BMC (bonus malus coefficient), which depends on the driving experience and the number of accidents caused by the driver. The more experience and fewer accidents, the greater the discount.

This indicator is calculated using a special KBM table, which underwent a number of changes in 2019. The rules for using the table will be useful for both beginners and experienced drivers.

If you don't have time to study the table, you can use our KBM calculator below or check the full KBM history.

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Your length of service (full years)

If you have had an accident

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

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Current driver class (KBM)

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ATTENTION!
Your discount on OSAGO should be 45%!

For example, if the base cost of the policy is 8,200 rubles, your price should be 5,200 rubles. - the savings would be 3000 rubles.

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The discount on OSAGO is more than you are entitled to.

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Your KBM corresponds to your length of service.

How to use the table

Using the table presented, anyone can calculate their accident-free rate. To date, 15 BMR values have been established.

How to use the table:

in the leftmost column, find your current KBM;
in the top line, select the number of accidents caused by your fault in the current year;
in the cell at their intersection there will be your KBM

When a driver is added to the MTPL contract for the first time, he is assigned KBM = 1. There is no discount on the policy. Each subsequent accident-free year, the coefficient decreases by 0.05. The minimum value a driver can receive is 0.5, which corresponds to a 50% discount. To obtain such a CBM, you will need 10 years of insurance experience without an accident.

If there was an insured event due to the fault of the driver, then next year from April 1, an increasing coefficient will be applied to it. For example, if a driver with a BMR = 0.6 is at fault for an accident on 08/05/2019, then from 04/01/2020 a BMR = 0.85 will be applied to him. That is, if in 2019 the policy cost this driver a 40% discount, then in 2020, according to the table, the discount will be only 15%.

Alternative table view

We also offer you the KBM table in an alternative version:

An example of calculating the KBM from the table

Example 1:

Ivanov I.P. has KBM = 0.75. The KBM update will take place on April 1 next year. In order to find out which KBM will be applied, you need to find the current KBM in the leftmost line, and in the top line the number of accidents due to the driver’s fault. Ivanov did not have an accident, so you need to select the column with no accidents. Thus, the next BMR will be 0.7.

Example 2:

Petrov N.V. has KBM = 0.6. This year he was responsible for one accident. It is necessary to find in the table the intersection of the value “KBM = 0.6” and “1 accident”. In this case, KBM = 0.85 will be applied to the driver next year.

KBM table - calculate your class using examples

OSAGO
overpayment calculator

Your length of service (full years)

If you have had an accident

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

OSAGO
overpayment calculator

Current driver class (KBM)

OSAGO
overpayment calculator

ATTENTION!
Your discount on OSAGO should be 45%!

For example, if the base cost of the policy is 8,200 rubles, your price should be 5,200 rubles. - the savings would be 3000 rubles.

OSAGO
overpayment calculator

The discount on OSAGO is more than you are entitled to.

OSAGO
overpayment calculator

Your KBM corresponds to your length of service.

Within the framework of the law, the price for compulsory motor liability insurance is determined according to tariffs that are approved at the legislative level. It is important to note that these are the same for all insurers who sell protection in person or online.

When making calculations, we take into account the bonus-malus coefficient (BMC). This indicator is determined according to the special table of the KBM 2019, which has remained unchanged since 2002.

The KBM table consists of several main sections:

class at the beginning of the insurance period under the policy;
coefficient that is taken into account in the formula when calculating;
a class that is taken into account when concluding a new policy, depending on the presence or absence of insured events.

Note! It is worth taking into account that the emergency CBM for a new period is applied only if the insured driver was at fault for the accident.

When the owner of a car or a traffic participant first visits the insurance office to purchase protection, he is assigned an initial - 3 class. It is from him that the calculations up and down the table will take place.

After the first year of compulsory motor liability insurance, the insured driver had no accidents. When calculating a new contract, the insurer uses class 4, which corresponds to a 5% discount.

To determine this, follow a few simple steps:

Look at the table for the class under the MTPL policy, which is expiring and needs to be renewed. In this case it is equal to class 3.
Then, in the upper section of the table, the number of accidents due to the fault of the insured is determined. According to the example given, the client drove the car without accidents.
Down the column you should go down to the class that was in effect at the time of insurance and look at the new one. In our case, this is 4th grade.
Look at the first column of the table, where you can see that grade 4 corresponds to a coefficient of 0.95. In simple words, for a year without accidents, the client received a bonus of 5%.

Calculation of KBM according to the table without accidents

The client traveled for a year and, according to a previously issued form, he was in 11th grade. Over the entire period of insurance, the driver caused accidents three times. When issuing a motor vehicle license for a new term, the insurer uses a BMR of 1.55. It turns out that there can be no talk of any bonus. On the contrary, an increasing one is provided.

To calculate, follow a few simple steps:

The table looks at the class that the driver had at the time of the previously purchased contract. In our case, this is 11th grade.
Afterwards, the number of cases is determined from the upper table. This driver was responsible for the accident 3 times.
Being on the column with the number of accidents, go down to the line with the current class and the new one looks. In our example, this is accident class 1.
The first column of the table defines a new indicator, which is equal to 1 KBM. The client receives a raise of 1.55. It turns out that the insured traffic participant will overpay by 55% of the base cost of the contract for his accident.

Calculation of KBM according to the table for the culprit of an accident

KBM table - determination of the bonus-malus coefficient

BMC - bonus-malus coefficient - is a system of tariff coefficients that is used to change the size of the insurance premium, that is, the amount that the policyholder pays to the insurance company for the compulsory motor liability insurance he purchases.

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The use of this coefficient is intended to encourage drivers who drive safely, as well as to financially punish those who are responsible for road accidents. That is, for those who participate in road traffic and do not become involved in an accident, the cost of an MTPL policy is lower. For those who cause an accident, the price of insurance increases.

The KBM table allows you to understand what this coefficient may be. It includes the following columns: class at the beginning of the annual insurance, CBM (coefficient), as well as class at the end of the annual insurance period, taking into account the presence of insured events that occurred during the period of validity of previous compulsory insurance contracts.

So, the first column is the class of insurance (insured), which is assigned to each specific driver. If you are a novice driver, then you belong to the third class, for which the coefficient is equal to one.

In the future, this class may be upgraded or downgraded. Maximum - 13, minimum - M. Total number - 15 classes (M and from 0 to 13). The class is determined once a year based on the results of the previous year. The determination date is April 1 (for the period from April 1 of the previous year to March 31 of the current year).

If over the past period you did not cause an accident, that is, the insurer did not provide insurance compensation, your class increases by one. That is, for a novice driver, after one year of accident-free driving, the insurance class becomes equal to 4, and the BMR will be 0.95. It follows from this that the cost of the MTPL policy will become lower, namely reduced by 5%.

For each subsequent year of accident-free driving, the cost of compulsory motor liability insurance is reduced by another 5% percent. The lowest insurance price will be for drivers with insurance class 13. Such a driver can count on the maximum possible reduction in the policy - 50%.

The highest cost of the policy will be for a driver with insurance class M. For him, the price will be increased by 145%, and the BMI will be equal to 2.45.

There is no question about how the insurance class is increased. However, not only an increase, but also a decrease is possible. The KBM table informs you about how your policyholder class will change if you find yourself involved in an accident and insurance compensation occurs. With its help, you can independently determine a new insurance class.

To do this, in the first column you need to select the current value (for novice drivers - 3, for others, depending on the accident-free driving over the past periods). The adjacent column indicates the value of the bonus-malus coefficient, which can range from 05 to 2.45. Next, you should select the number of insured events that occurred during the insurance period (one year). Here you should take into account only those that occurred through the fault of this driver.

At the intersection of the line with the insurance class and the column with the number of insured events, the value for the next year is displayed. For example, for a driver with class 3, for a year of accident-free driving, it increases to 4. If one insurance payment was made during the insurance period (year), the class of such driver becomes equal to 1; if the number of insured events is 2 or more, the driver is assigned class M.

It should be noted that the higher the class of the insured, the greater the number of insured events that must be carried out for such a driver in order for his class to be minimal. So, for a driver with class 13, which is the maximum, it is necessary to become the culprit of 4 road accidents during the year (insurance period). If such a driver causes one accident, his class will be reduced to 7, two to 3, and three to 1.

Thus, the table is quite clear and allows you to independently determine, without much difficulty, what the bonus-malus ratio will be for the next insurance period. It will also not be difficult to find such a table on the Internet. If necessary, it can be saved to your device (desktop or mobile) or printed so that you can access it at any time convenient for you.

Insurance companies, in turn, check the KBM of a specific driver using the AIS RSA database. Next, the presence and number of insurance situations that occurred during the year of insurance due to the fault of this driver are checked. After this, it is assigned a new class for the next insurance period.

To determine the coefficient on the official website of the RSA - Russian Union of Auto Insurers, you will need to provide the required correct details. These include the date of concluding a contract or additional agreement, which can be selected in the calendar offered here. You will also need to indicate the type of owner. This may be a legal entity or an individual. In the latter case, you will also need to select a clause regarding whether the contract is limited to the number of drivers allowed to drive the vehicle. After filling out all the necessary information, just click on the “Apply” button and view the result.

It should be noted that from July 1, 2014, the AIS RSA database was designated as the only source of obtaining information relating to the previous insurance period. It was then that it began to be used to calculate the correct KBM. This information system contains data on MTPL contracts that were concluded since January 1, 2011.

Today, each insurance company is obliged to transfer information about the concluded contract of compulsory civil liability insurance of vehicle owners to the AIS RSA no later than within one business day from the date of conclusion of the relevant contract. Only insurance companies that have the right to carry out activities related to concluding MTPL contracts can enter and change data in such a database. At the same time, the Russian Union of Auto Insurers does not have the right to make any changes to the AIS.

Not only the table helps to calculate the bonus-malus coefficient, but also the KBM calculator, which can be found, for example, on the Compare ru web resource. In order to make the necessary calculation, you must indicate the following data: last name, first name and patronymic, date of birth, series and number of the driver's license, as well as the date of the request (the date following the end of the current OSAGO policy is indicated).

If the calculation is carried out for the “No restrictions” situation, you should check the appropriate box, then indicate your last name, first name and patronymic, date of birth, passport series and number, VIN and date of request. To calculate the cost, you must agree to the rules for providing information, which can be found at the link provided here.

Once all the data is specified, all that remains is to click on the “Check” button and review the information provided.

The bonus-malus coefficient affects the cost of compulsory motor liability insurance. However, it should be noted that such a policy can be either with a limited list of drivers or without restrictions.

Thus, if a compulsory insurance contract provides for a limited number of persons allowed to drive a vehicle, the MSC is calculated based on the information that relates to each driver. In this case, the coefficient is assigned to each of the drivers specified in the contract. In this case, when calculating the insurance premium, the BMR that has the greatest value is taken into account. If there is no information about the insurance history of a particular person, a BMR equal to one is applied to him.

When calculating the cost of compulsory motor liability insurance, which has no restrictions on the number of drivers allowed to drive a vehicle (the owner of the vehicle is an individual), the insurance rate is calculated using the KBM coefficient, which is equal to 1.

In the case when a new contract is concluded after the early termination of the previous one, the BMR will be equal to the value that was determined on April 1 of the current year.

It is important to understand that a change in the value of the BMC, which can be calculated using the corresponding table, in the event of a traffic accident occurs only for the person at fault. If you become an injured party in an accident, this will not affect your bonus-malus ratio in any way.

If there is a break in insurance for one year or more, this does not affect the CBM in any way. Also, the value of the coefficient is not affected by changing the insurance company, that is, this indicator does not depend on which insurance company you are concluding a contract of compulsory motor third party liability insurance with.

The Federal Law of April 25, 2002 No. 40-FZ “On compulsory civil liability insurance of vehicle owners” allows you to get a complete understanding of how the cost of compulsory motor liability insurance is formed. In particular, Article 9 of this law is devoted to factors influencing the cost. These are “Basic rates and coefficients of insurance tariffs”.

In general, insurance rates for compulsory motor liability insurance are regulated not by the insurance companies with which the contract is concluded, but by the Bank of Russia (until 2015 they were set by the Government of the Russian Federation) and consist of base rates and coefficients. One of the latter is KBM. Insurance premiums, that is, the fee the policyholder pays to the insurer, are calculated as the product of base rates and coefficients.

Basic rates depend on the technical characteristics, design features and purpose of the vehicle, which have a significant impact on the likelihood of causing harm in the event of their use, as well as on the potential extent of such harm.

At the same time, the coefficients depend on the territory in which the vehicle is primarily used. Such a territory is determined based on the place of residence of the owner of the vehicle, which is indicated in the vehicle’s passport, its registration certificate, or in the citizen’s passport. This is true for a car that belongs to an individual. In the case where the vehicle belongs to a legal entity, its branch or representative office, the territory is determined by the location of such entity, which is indicated in the constituent document.

Also, the coefficients are set depending on the technical characteristics of the vehicle, namely the presence in the contract of a condition that provides for the possibility of driving a vehicle with a trailer attached to it. The seasonal use of the car is also important, as well as other circumstances that significantly influence the amount of insurance risk.

It also provides information about the CBM, the value of which depends on the presence or absence of insurance compensation that was made by the insurer in previous periods when implementing compulsory motor third-party liability insurance. The KBM table informs you about how the presence of such compensation affects the value of the bonus-malus coefficient.

Thus, the bonus-malus coefficient is a coefficient of insurance rates, which depends on the presence or absence of insurance compensation provided by the insurer in the previous period. One year is considered as such a period - from April 1 of the previous year to March 31 inclusive of the next year.

KBM is designed to encourage those drivers who are not the culprits of the accident, reducing the cost of the MTPL policy by up to 50%. At the same time, drivers who often cause accidents increase the cost of their policy up to plus 145%.

The KBM table allows you to familiarize yourself with all classes of insurance and the size of the coefficient for each of them. With its help, you can also find out the coefficient for the next year, which is helped by the columns that display data regarding the availability of insurance payments. Thanks to them, you can find out the class that will be assigned in the presence or absence of insured events that occurred during the validity period of previous MTPL contracts.

Only those drivers who cause accidents should worry about a possible increase in their policy. If you are the injured party in a traffic accident, this will not affect the change in the MSC in any way.

If necessary, you can also use the KBM calculator, which will allow you to calculate the corresponding indicator based on the specified data about the owner of the car. AIS RSA also comes to the rescue - an automated information system, the data of which comes directly from insurance companies with which MTPL contracts or additional agreements are concluded.

Russian legislation is intended to help understand the formation of the cost of compulsory motor third party liability insurance, in particular the Federal Law “On Compulsory Third Party Liability Insurance of Vehicle Owners”.

The main thing you need to know about KBM is that the more carefully and safely you behave on the road, the lower the likelihood of getting into a traffic accident and the cheaper it turns out to be compulsory motor liability insurance, which is one of the mandatory documents that a person must have. vehicle manager.

Table KBM OSAGO 2019

BMC or Bonus-Malus coefficient is a coefficient that is used by insurance companies when calculating the insurance premium under a contract. Depending on the presence or absence of accidents, Bonus-Malus can be downward or upward. For the convenience of determining this coefficient, a special KBM table for compulsory motor liability insurance has been created.

Check KBM

What do the rows in the table mean?

The cost of the contract directly depends on what class of KBM will be applied under OSAGO.

The entire table is divided into several sections. The first column indicates the driver's class at the time of insurance. A driver who contacts a company representative for the first time to sign up for a policy automatically receives the initial 3rd class. It is from him that the calculation will occur, up or down.

The second line shows the discount, bonus-malus coefficient, as a percentage.

The last column indicates the presence or absence of claims during the insurance year.

How to use the table

The table is very easy to use. To determine the coefficient, you only need to know: what class was at the time of insurance and how many accidents occurred during the validity of this contract. The second meaning is simple, since every driver knows whether an accident has occurred or not. The first value can be found from the insurance company or on the KBM verification page.

To verify, you must enter: full name, date of birth, series and driver's license number. After entering personal information, verification will occur automatically.

In order to personally find out the coefficient for the start of insurance, you must contact the office of the company where the contract was drawn up. You must have a passport, a signed contract and a driver’s license with you. The bonus-malus check takes no more than 10 minutes.

After you find out your class, you need the 2019 KBM OSAGO table to determine the value. In the first column of the table you need to find your class. The second column will reflect the discount, or increasing factor, that was used when calculating the premium under the contract. Next, the bonus malus for the next year is determined. If there are no payments, he moves down one line in the table. If there were accidents, he moves up the table, depending on the accidents.

An example of calculating the KBM from the table

Here are two examples for your attention. In the first case, the driver drove for a year without any losses, in the second the driver had accidents. Let's look at how the driver class KBM table works in the absence and presence of insured events.

Sergey Petrovich Ivanov contacted the insurer on November 11, 2015. At the time of execution of the contract, the driver was assigned class 9 of the KBM, namely a 30% discount on the base tariff under the policy. It turns out that the client has already used the services of the insurance company more than once and each received 5% for an accident-free ride.

Example #1: No accidents

A year later, Sergei Petrovich again turned to the insurance organization to obtain a new contract. As before, the client had no accidents, and the employee provided a reduction bonus for an accident-free year. To determine this, she used the “Bonus-Malus” table according to OSAGO.

Sergei Petrovich was in 9th grade, moving along this line to the right, in the table, the insurance agent looked at the new class, with the number of insured events “0”. After 9 comes 10, which corresponds to a discount of 0.65 or 35% to the final cost of the insurance contract. It turns out that under the new contract he will receive a discount of 35%.

Example No. 2: There are three accidents

A year later, Sergei Petrovich again turned to a representative of the insurance company to draw up a new contract. Unfortunately, over the past year the client had 3 accidents that were his fault. In this regard, the client did not expect a good discount.

Sergei Petrovich was in 9th grade. Moving along the line, you need to look at the new coefficient, which is assigned to the driver who has had 3 accidents. The new class that an emergency driver receives is 1 or an increasing factor of 1.55. It turns out that the client must pay an increased insurance premium.

KBM with unlimited insurance

If a policy has been issued that provides for an unlimited number of persons allowed to drive a vehicle, then the question arises: bonus-malus class, how to find out? In this case, the bonus is calculated according to the owner of the car.

The coefficient for the owner is determined in the same way as for the driver. The only thing worth taking into account is that the discount on a car by owner is assigned to a specific car and does not apply to others.

For example, you have signed a contract for a VAZ 2110 car for several years in a row, without accidents, and have earned the maximum class of 50%. When purchasing a new car, Kia Ria, subject to an unlimited number of persons, according to OSAGO, you will be assigned an initial indicator of 3. It turns out that a new car means a new system of discounts.

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Table KBM OSAGO 2019: 34 comments

Fear, the ZHASO company, was closed, all insurance documents were transferred to the SOGAZ insurance company.
I was insured with ZHASO for five years, but SOGAZ refused to renew my MTPL insurance, explaining that according to the PTS number, I should be insured with NSG ROSENERGO LLC, and since my old policy was running out, I had to look for this one all day The only branch in the whole city, but the insurance was without discounts; they didn’t find KBM. TELL ME where to go.

Thanks a lot ! They returned me KBM -0.55. Here's how to legitimize it for an insurance company?

I have 17 years of driving experience and, thank God, I have never been in an accident. Today I have a KBM 085, that is, 6th grade. Why am I still in the 6th grade all this time?

Thank you very much ! After considering my application for recalculation of the KBM coefficient, I was returned 1811 rubles.

I took out insurance without restrictions for two years, did not change the car, bonus-malus class 3 for the third year, subject to accident-free driving. The agents explain that there is no information about me as a driver... Is this correct? And one more question: if I got into an accident due to the fault of another driver, and filed an insurance claim, will this affect my KBM?

Hello, tell me how to return the kbm I have 10 years of experience, there have been no accidents in my vein, and for some reason I have a class of 11 (kbm 0.6)

Vladimir, that's right.
There are 13 KBM classes in total. For every year of accident-free driving, 1 class is added.

Good afternoon ! I can’t understand why they assigned class 5 and the discount is only 10 percent, if there is limited insurance and no accidents for 3 years

Good afternoon I have been insured for more than 10 years, at the moment I have the maximum discount when checking on the website, but for the last 4 years I have included my wife in the insurance and for the last 4 years they have been counting me according to the 3rd class, it turns out that my wife’s coefficient does not change. Is this really true or is the insurance company not fulfilling its responsibilities properly?

Good day! I have driving experience since 1993, and the discount is 20%, my wife has it for more than 10 years, the State Insurance has completely lost her discount, how can I get the points back? But I don’t intend to pay as a newbie, it’s not our fault and there was no accident.

And if there was an accident, but not through the driver’s fault.
What then?
Which KBM? Let's say KBM = 0.5.
The accident was not the fault of the driver. What is his MBM for next year?

Problems of determining KBM (discounts for break-even OSAGO)

What is KBM?

Currently, almost all car owners know that when calculating compulsory motor liability insurance, the so-called bonus-malus coefficient (“bonus-malus” is translated from Latin as “good-bad”) or Kbm is used. Some simply call it a “discount”, forgetting that KBM takes into account not only break-even (bonus), but also the presence of payments due to the fault of the policyholder (malus - a fine for careless driving). Also, when defining KBM, the term “Insured Class” is used.

KBM for each driver is an individual value and depends on his insurance history. For clarity, we present a table that regulates the definition of CBM and is the same for all insurance companies. It is designed in such a way that knowing the class of each driver when concluding an MTPL contract, it is possible, depending on the number of accidents that occurred due to his fault during the year, to determine what KBM he will receive when insuring for the next year.

Table 1. Bonus-malus class.

When a driver enters into a MTPL car insurance contract for the first time, he is assigned class 3 (Kbm = 1). Then, for each accident-free year, he is given a 5% discount, and his class increases. If accidents occur due to his fault, the “class” decreases, and the Kbm, accordingly, increases.

The policyholder had Kbm=0.85 (6th class, 15% discount). It was his fault that 1 accident occurred, and the victim was paid. Next year, when concluding an MTPL agreement, it will have class 4 and Kbm = 0.95 (5% discount).
A novice driver with Kbm=1 became the culprit of an accident in the first year of driving. In the second year of insurance, instead of a 5% discount, he receives an increasing Kbm = 1.55. And if he again gets into an accident due to his fault, in the third year of insurance the policy will be calculated for him with Kbm = 2.45.

From the history of KBM

From the introduction of compulsory motor vehicle insurance in 2003 until 2008, the class of the insured was “tied” exclusively to the vehicle. That is, when a driver purchased a new car and came to take out an MTPL policy, he automatically lost all his discounts. The situation turned out to be absurd: the concept of “insurance history” did not exist, and KBM did not fulfill its main function - to encourage careful driving and stimulate accident-free behavior with “bonuses”. In March 2008, the experience of other countries was nevertheless taken into account and the “bonus-malus” system changed radically. From that moment on, the class began to be assigned to each driver individually, retaining it when purchasing another car. And now, even if a driver previously included in someone else’s policy becomes a car owner for the first time, he has every right to count on a previously “earned” discount.

How to determine KBM if several drivers are included in the compulsory motor liability insurance policy or the insurance is issued “without restriction of persons allowed to drive”?

If several people fit into the policy, the Kbm to calculate its cost is taken for the driver whose Kbm is maximum. Therefore, when a driver with little experience joins a company of reputable and experienced driving experts, you need to be prepared that the price of insurance will increase significantly. Few people understand another important point. In the event of an accident, the KBM increases only for the person who was driving the car at the time of the accident and was found guilty by the traffic police inspectors. The rest of the drivers included in the insurance safely retain their discounts. And if the culprit is not included in the policy next year, the total discount on it will, as expected, be 5% more.

If the policyholder draws up a contract on the condition that any drivers are allowed to drive the car, the CBM is determined by the owner of the vehicle. It doesn’t matter who the owner is, it could be a grandmother in the village who has never held a rudder in her life. It’s just that with an “unlimited” MTPL policy, you won’t “become attached” to anyone other than the owner to determine the CBM. The policyholder does not count, because the policyholder is the person who pays the insurance company money and determines the terms of insurance.

KBM problems

When changes were made to the Law on Compulsory Motor Liability Insurance (MTPL) relating to KBM, at first it seemed that compulsory car insurance in Russia had become more civilized: conscientiousness behind the wheel was encouraged, and indiscipline was punished with rubles. Everything is fair. But it turned out that reality is far from perfect.

In theory, everything looks great. Any car owner is able to at least approximately determine his CBM, based on his own MTPL experience: the number of years of insurance, the number of insured events and the table given above. What about company employees, insurance agents and brokers? The only ideal situation for determining KBM is when the driver has been insured with the same company for all years (or at least the last few years), and the database contains any information about him. If a person comes from another insurance company, problems arise with KBM.

On the one hand, everything is simple - according to the previous policy, you can always calculate last year's discount and add another 5%. But where is the guarantee that the previous company did not pay for the driver? Should I take his word for it? Not serious. As long as insurance companies strenuously keep data on their policyholders secret and stubbornly refuse to create a single database, the confusion with KBM will continue. Even for a persistent violator of traffic rules, who every now and then causes trouble for someone on the road, it costs nothing to run from one company to another every year and, with honest eyes, demand another discount for being accident-free.

OSAGO calculator calculation and online purchase for 50 companies.

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The situation described is, of course, extreme, but hiding a couple of labor payments is not an option for anyone today. Fortunately, there are still too many insurers involved in compulsory motor liability insurance, even despite the fact that every year dozens of companies leave the car insurance market forever. And it happens that a car owner is ready to present a break-even certificate, rightly claiming a discount, but, alas, his insurance company has lost its license. Another policyholder is not even interested in any “bonus-maluses”; he buys a new car every year and insures himself at the dealership, just like for the first time, without claiming anything.

Another common occurrence is when a driver with, say, 6 years of experience is included in the policy, and the total insurance discount is 40%. Well, it’s obvious that there’s no way a person with such experience can get a 40% discount, or a maximum of 25%. But there are very few policyholders who have class 1 or the lowest - M, although there are plenty of accidents on our streets. And all these facts together are called disorder.

However, at present, serious insurance companies have begun to treat “outside” policyholders more harshly. Some require you to bring a certificate from the previous company that the year was accident-free, others provide a discount only if the policyholder additionally issues a DSAGO, and still others come up with some other measures. If the client is not going to go for a certificate, does not want compulsory DSAGO, does not agree to be insured without a discount, he is simply told “goodbye”. But large companies follow this policy. Small insurers who rely exclusively on compulsory motor liability insurance (and in the future, as a rule, go bankrupt) are ready to grab hold of anyone, and therefore intensively lure clients to them with maximum discounts.

It should also be noted that the reason to avoid multiplying odds whenever possible lies not only in the Russian habit of deception. If MTPL insurance in our country “worked” fully, without failures, delays and constant underestimation of payments, policyholders would have no reason to treat insurers with disrespect.

In custody

From all of the above, it is obvious that the “bonus-malus” system in our country practically does not fulfill the task assigned to it by the Government - to more objectively assess the degree of risk and the insurance tariff for compulsory motor liability insurance. The human factor still remains the main criterion for determining KBM for each specific driver. One client is convincing beyond belief, the other looks like a fraud. Some agents give out discounts with or without reason, just to insure and receive a commission, while others, on the contrary, pretend that the concept of KBM does not exist at all and actively “catch” clients who have no idea about it. And so on.

Currently, the decision to create a Unified Database for Compulsory Motor Liability Insurance has finally been adopted by law, and by the end of 2012, insurance companies are required to enter information about all their clients into a single database. If this is implemented, a common base for all insurers will begin to function in 2013. Perhaps then problems with determining KBM will forever be a thing of the past.