Discount coefficient for MTPL insurance

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.

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.

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?

KBM bonus-malus coefficient when purchasing OSAGO

Good afternoon, dear reader.

In this article we will talk about the so-called bonus-malus coefficient (abbreviated KBM), which is used when calculating the cost of an MTPL insurance policy.

KBM coefficient allows the driver to receive a discount for accident-free driving. At the same time, every year of accident-free driving increases the driver’s discount and reduces the cost of compulsory motor insurance.

From this article you will learn:

KBM table in 2019 and 2020

In 2020, the following table is used to calculate the BMR:

Why is KBM needed?

The bonus-malus coefficient is necessary in order to correctly calculate the cost of an MTPL insurance policy. By default, a driver purchasing MTPL insurance for the first time receives a BMR equal to 1.

Subsequently, the coefficient is calculated according to the table above:

If a driver does not cause any traffic accidents during the year, then his BMR coefficient is reduced by 0.05.
If, due to the driver’s fault, one or more accidents occurred, for which the insurance company made payments to other participants in the incident, then the driver’s BMI increases. Along with it, the cost of compulsory motor liability insurance for the next year also increases.

The final cost of MTPL depends not only on the CBM and you can find it out using the MTPL calculator.

How to calculate KBM?

find out the KBM of any driver using the table above:

Start the calculation with the line containing KBM 1 (highlighted in red).
Every accident-free year, go down one line.
Each accident year, move to the line corresponding to the number of insurance claims.
If the driver was not included in any MTPL policy after April 1, 2017, then his BMR becomes equal to 1.
When using an open OSAGO policy (with an unlimited number of drivers), the KBM changes only for the car owner. All other drivers are considered not included in the MTPL.

Note. The rules for calculating the KBM will be updated from April 1, 2020. This issue is discussed in detail in a separate article.

Please note that the table allows you to obtain the theoretical value of the BMR.

In practice, the value of the BMC can often be higher than in the theoretical calculation. The fact is that cunning insurers may deliberately not enter CBM into the PCA database in order to get more money for the same insurance policy. At the same time, drivers who are poorly versed in the topic and have not previously calculated the cost of compulsory motor liability insurance easily fall for the manager’s bait.

I would like to note that when purchasing compulsory motor liability insurance, the cost of the insurance policy was incorrectly calculated in every second case . If we consider each of the cases separately, it seems that the manager just made an accidental mistake. However, in practice such deception appears to be systematic.

Check the KBM using the RSA database

Several years ago, insurers kept the values of KBM coefficients in their own archives, so when moving to a new insurance company, the driver had to take a special certificate from the previous insurer. Currently, all KBM coefficients are stored in the centralized database of the Russian Union of Auto Insurers (RUA).

At the same time, any driver can check the KBM on the official RSA website. To do this, go to the next page.

Enter the driver's last name, first name and patronymic, his date of birth, as well as the series and number of the driver's license. If the ID series contains letters, they should be entered in English.

Enter the date from which you plan to enter into an MTPL agreement. You can enter the current date in the field. After that, enter the verification code and click the “Search” button.

As a result, you will be taken to a page where the real value of the BMR contained in the RSA database will be indicated:

If the resulting figure coincides with the value calculated theoretically, then everything is in order. If checking the KBM discount in the RSA gave the wrong result, then you will have to start restoring the KBM.

How to restore KBM in the RSA database

1. First of all, you need to find out at what point an error was made in the KBM coefficient. To do this, take all the insurance policies you have or copies thereof and start looking.

Starting from January 1, 2018, each insurance policy contains a table that lists all coefficients, including KBM. The table looks like this:

For example, in the above policy, the BMR coefficient is 0.65.

Unfortunately, until 2018 the coefficient was not indicated in the policy. Therefore, you will have to manually recalculate the cost of each policy issued before January 1, 2018.

Start with your last year.

I recommend checking the cost of your insurance policy against the results of the calculator annually. If you carry out checks at least once a year, the error will be found in the most recent policy, i.e. in action.

If you have not previously checked the cost of compulsory motor liability insurance, then the error may be in any of the policies. There may be several errors.

2. To restore the KBM, you need to contact the insurance company , which made an error in the calculation.

For example, if your current policy was purchased from Rosgosstrakh, and the wrong coefficient was entered into the RSA database, then you need to contact Rosgosstrakh. If the error is confirmed, they will make changes to the database. In practice, this takes 2-3 days.

The situation is more complicated if the error was not made in the last policy. In this case, you will have to contact the company where the policy was concluded with an error.

For example, if the cost of an insurance policy purchased in 2012 is calculated incorrectly, then you need to contact the company where you were insured in 2012. Only they can correct their own mistake.

Note. In 2020, an error made in any of the previous contracts can be corrected by your current insurance company. Previously, this option was not available.

3. RSA (Russian Union of Auto Insurers) states that it cannot make changes to the database. Therefore, it makes no sense to turn to them in practice.

Unfortunately, sometimes a driver may encounter the following unpleasant situation. An insurance company that made a mistake several years ago may simply not exist in 2019. This is due to the fact that from time to time insurers go bankrupt or are liquidated for other reasons.

In this case, the bonus-malus coefficient can be restored in the database only through the current insurer.

In any case, I recommend regularly checking the correctness of the KBM coefficient using the RSA database. Moreover, this is quite easy to do.

How to preserve the KBM in the event of an accident

KBM is one of the few coefficients that allows you to save on the cost of compulsory motor liability insurance.

Therefore, if a minor accident occurs due to the driver’s fault, then the driver’s desire not to lose the discount accumulated over years of accident-free driving is quite obvious.

So that you can better understand how much a driver will lose due to an insurance payment, let’s look at an example. Ivan Ivanovich has been driving a car for 10 years and has not been the culprit of any traffic accidents. Its BMR is 0.5. Ivan Ivanovich lives in Moscow and drives a Renault Logan (75 hp).

The cost of the insurance policy before an accident: 4530 rubles .
The cost of compulsory motor liability insurance after an accident: 7248 rubles .

Even when purchasing one MTPL policy, the difference will be noticeable (7248 - 4530 = 2718 rubles). However, this is not all. A single accident affects the cost of the insurance policy over the next 6 years. Let's do one more calculation.

The cost of compulsory motor liability insurance for the next 6 years, if the accident had not occurred:
4530 * 6 = 27,180 rubles.

The cost of compulsory motor liability insurance for the next 6 years, taking into account road accidents:
7248 + 6795 + 6342 + 5889 + 5436 + 4983 = 36,693 rubles.

Those. 9,513 rubles on compulsory motor liability insurance . Please note that the example uses a car with a relatively low engine power of 75 hp. If the car has a higher power engine, then the cost of compulsory motor insurance may increase more significantly.

So, how can you preserve your vehicle in the event of an accident ? Everything is quite simple. Currently, drivers can quite officially figure it out on the spot.

For example, if you scratched the mirror of another car, then offer the driver 1000 - 2000 rubles for repairs. If he agrees, you will be able to save on the cost of your MTPL insurance policy. In addition, you will not have to fill out documents for insurance, or provide the car for inspection of damage.

Naturally, such savings only make sense if the damage is insignificant. If the cars are heavily damaged, then it will be cheaper to pay for compulsory motor liability insurance in the future.

At the end of this article, I want to emphasize once again that insurance companies very often make mistakes when entering KBM into the RSA database. Therefore, check your KBM, and if necessary, contact your insurance company to correct the error.

Table KBM OSAGO RSA

The rules for using the KBM table will be useful both for professional drivers with many years of experience, and for car enthusiasts who have recently passed their exams and received their long-awaited license. The law, as they say, is the same for everyone!

For driving a vehicle without insurance (no insurance or the period has expired), the fine in 2019 is 800 rubles and 500 rubles if the vehicle is driven by a driver who is not included in the insurance certificate. Tariffs for compulsory motor liability insurance are set officially by the State and a unified database is maintained for all insured persons.

What is KBM?

For drivers who did not get into an accident and drove the entire previous year without accidents, the value of the Bonus-Malus coefficient will decrease in the next calendar year, which means the cost of insurance under MTPL will be lower than last year. But the opposite is also true - a traffic accident was recorded with your participation and the insurance company paid the injured party for repairs, which means you will have to pay more.

For information:

From April 1, 2019, the calculation of the KBM for compulsory motor liability insurance has changed:

The KBM value will no longer be lost if more than a year has passed since the last insurance;
The date for changing the coefficient is the same for everyone - it is April 1 and the value is fixed and applied all year until the next April 1;
The doubling of coefficients has stopped; if you have several cars, the KBM indicator has become the same for everyone;
The minimum value of the BMR for the previous two years is taken into account if several different data are found in the database.

Table of values of KBM OSAGO from RSA for 2019

To make it easier to calculate the cost of insurance, there is a table with the main parameters that affect the price. This is the class at the beginning of each period, the value of the coefficient used when calculating the amount of insurance and the class of the next accrual period. Today there are 15 classes of driver insurance .

Let's consider in detail how to check or calculate the KBM using the Table as an example.

Instructions for use and table symbols

Initially, if you receive insurance under compulsory motor liability insurance for the first time:

class at the beginning of the term.

The whole calculation starts from 3rd grade;

It is from these two parameters that subsequent insurance discounts are calculated.

End of term class.

Examples of calculating KBM from the table

For accident-free driving during the year, the next year the cost of insurance is reduced by 5%, and the class moves to the next one. This happens annually until it reaches 50% (class 13) - less discounts are not established and this is a Bonus.

No accidents or accidents

Let's assume that you drove the first year without an accident, come to your insurance company and your insurance policy will cost 5% less, i.e. a coefficient of 0.95 will be applied . The new class is already 4 . For the next year without accidents, there will still be a decrease of 5% (total 10%) and, accordingly, the BMR is equal to 0.90 . Class 4+1. And so on we look down at the columns and rows of the Table;

We need to consider this option to know why the cost of insurance is increasing. Malus (M increase in KBM) depends on the number of recorded accidents per year, the more incidents, the longer the period in years when the price of your Policy will be the highest and unchanged. As can be seen from the Table, if during the first year of insurance you had 3 traffic accidents with your participation, the class is downgraded to M. The coefficient value increases to 2.45. And next year you will move to the very top of the Table, from where the next calculations will come.

Calculation of KBM for unlimited insurance

When taking out insurance for an unlimited number of people, it is important to know that the BMR value is tied only to the driver - the owner of the car.

Reason for resetting the KBM

Two serious reasons can reset the driver’s KBM indicator:

Lack of insurance policy for a year;
There were recorded accidents with payment (due to the highest fault) .

If the reset occurred due to a technical error in the AIS database or due to the sluggishness of your insurer, then this situation can be corrected - you need to restore the correct indicator. We can help you with this, read the information below.

Restoration of KBM

To check the current value of the coefficient, drivers can use the Automated Information System (AIS) database on the website of the Russian Union of Auto Insurers (RUA) or a form on our website. The database is freely accessible and is intended only for Russian citizens and residents of the Russian Federation. If you do not agree with the data presented in the database, submit an application to the insurer to restore the KBM. It didn’t help, then file a complaint with the RCA. Just first check carefully whether all the parameters were specified correctly and that nothing was distorted in the request. Our auto lawyer is always ready to help you.

As you can see, from the above, the procedure for calculating and accounting for CBM values has now been established. You can quickly verify that the value is reflected correctly or make changes. The main thing is not to violate traffic rules and do not forget to take out insurance in a timely manner and thereby save your money on fines and an annual reduction in the amount of car insurance.