Maximum class according to OSAGO

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.

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

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?

In simple terms, what is a driver class in OSAGO. Why is it needed and how to find out yours?

Guided by these rules of compulsory motor vehicle insurance, each driver receives a class in the MTPL insurance. This class affects the final cost of services provided by insurance companies.

It is important to emphasize that the total cost of insurance depends on several components. One of them is the driver’s insurance class under MTPL. Unfortunately, most car owners have no idea how to correctly determine their insurance class. In this regard, the cost of an insurance policy remains a big mystery for them.

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What does this mean in insurance?

Let's take a closer look at what this means in insurance and how, for example, class M differs from 1, 4, 6 or others.

The driver's class is a value denoted by the letter M or any value from 1 to 13. Thus, the smallest class in compulsory motor liability insurance is M. The variable “13” is the highest class, respectively. Please note that the driving class does not in any way affect the overall price of insurance. However, it is involved in the calculation of the BMR, thanks to which the insurer can reduce the price of an insurance report by a maximum of 50% or, on the contrary, increase it several times compared to the current one.

The term “MTPL class” is directly related to the bonus-malus coefficient. A driver who applied for a policy for the first time, according to the established standard adopted in 2003, receives third class with a minimum value of “1”. Next, the insurance history is recorded.

The MTPL insurance class indicates the discount coefficient used by the insurance company and calculates the cost of a civilian car. The final discount directly depends on the class: the larger it is, the higher the discount, respectively. The insurance class can be either a decreasing or increasing coefficient for calculating compulsory motor liability insurance. We remind you that the class directly depends on the number of road accidents due to the fault of the insured person (you will learn about how the driver class for compulsory motor liability insurance is established and whether it can help you save on insurance, you will learn from our article)

It is worth noting that with each year that passes without traffic accidents, this coefficient decreases. In other words, when the policy is renewed, the default third class will change to the fourth, respectively. The bonus-malus will be 0.95, and the discount will be as much as 5%. If at least one emergency situation was recorded during the year, the class is lowered, and the cost, on the contrary, increases due to accidents. The further situation is similar.

It is important to emphasize that for each conventional unit of upgrade, the discount increases by 5%. The maximum permissible class is thirteen, the lucky owners of which receive a 50% discount on car insurance.

Since 2007, the MTPL class has been assigned not to a car, but to a specific person. Therefore, the KBM remains the same, even if the car owner changes the vehicle at any time.

What does this indicator give to the owner of the insurance policy?

Having a clean insurance history under MTPL is an important advantage for every driver. Having no recorded traffic accidents, he receives favorable discounts and bonuses, thanks to which he can save a large amount of money on vehicle insurance.

An insured who has received the fifth class under OSAGO for accident-free driving has every right to reduce the key coefficient in the formula for calculating the cost of a “motor vehicle insurance policy.” Thus, for such a driver this variable will be 0.9. This indicator suggests that insurance will be rated 10% lower than for a novice driver who is taking out an insurance document for the first time.

Since car insurance under MTPL is a mandatory procedure, which is stipulated by the current legislation of the Russian Federation, motorists need discounts on this type of service. Thus, the higher the class, the larger the discount on further insurance services in any company.

It must be emphasized that the driver can count on various bonuses for accident-free driving over a certain period of time. To do this, it is enough not to get into traffic accidents due to personal fault. Since absolutely every driver’s appeal to the insurance company to receive monetary compensation for insurance is recorded in a single system, which, in turn, spoils the story.

What is the division?

There are 15 classes in MTPL insurance.

First class – M. The bonus-malus coefficient in this class is 2.45. Increase in price - 145% discount.
Second class – 0. The BMR in it will be 2.3. Increase in price – 130% discount.
The third class is 1. The BMF in it is 1.55. 55% – price increase-discount.
The fourth class is 2. The KBM in this class is 1.4, and the increase in price is a 40% discount.
Fifth class - 3. Bonus-malus coefficient 1. There is no increase in price discount, since this class is assigned to novice drivers.
Sixth grade – 4. KBM is 0.95, and the increase in price is a 5% discount.
Seventh grade – 5. The bonus-malus coefficient is 0.9. 10% is a price increase-discount.
Eighth grade – 6. The MMB will be 0.85, and the increase in price will be a 15% discount.
Ninth grade – 7. KMB – 0.8. Increase in price - 20% discount.
Tenth grade – 8. The bonus-malus coefficient is 0.75. 25% is a price increase-discount.
Eleventh grade – 9. The BMR is 0.7, and the price increase-discount will be 30%.
Twelfth grade – 10. The bonus-malus coefficient is 0.65. The price increase-discount will be exactly 35%.
Thirteenth grade – 11. What does grade 13 mean? With it, the BMR is 0.6. 40% is a price increase-discount.
Fourteenth grade – 12. The bonus-malus coefficient is 0.55, and the increase in price-discount, in turn, will be 45%.
And the last, extreme, Fifteenth grade is 13. The BMR is 0.5. Price increase-discount is equal to 50%.

You will find a detailed table of MTPL classes with coefficients in a separate article.

How to find out yours?

Many drivers often wonder how to find out their MTPL class? The answer is very simple - we will tell you how to do it. You can find out all this information on the official website of the Russian Union of Auto Insurers (RUA). To check, you need to open the database and enter the following in the appropriate fields:

Last name, first name, patronymic.
Date of Birth.
Driver's license number.

After completing these steps, you will receive all the information regarding the insurance history of a particular driver. We conclude that we can obtain the information we are interested in, regardless of the date of registration of insurance. This entire system has great priority over both ordinary drivers and insurance company employees.

Many motorists can take this information even if they need to renew their insurance. And if they need a new MTPL policy, then the information that the previous insurance company had is not lost on the car.

Exclusively all insurers and their companies that issue policies have a common information base on drivers. They are the ones who fill out this data in the database.

The process goes like this:

All data that the driver has is entered into the database of the Russian Union of Auto Insurers upon initial receipt of the MTPL policy.
When a motorist applies to the insurance service for any compensation, all amendments are made to the database with the indicated payment amounts, as well as the approximate nature of the damage to the car.
If the client contacts a new company to create insurance, then its representatives can check and obtain all the information about the previous insurance history using the driver’s license number.

So, we conclude that in order to find out your MTPL insurance class, you just need to go to the database of the official website of the Russian Union of Auto Insurers and enter information about the driver’s identity.

In addition, in order not to be left with nothing, the driver should regularly (at least once a month) check the OSAGO classes with the official database. This must be done even if the insurance company provides this check without the participation of the driver’s client. There are the following subjective reasons for this:

When concluding a contract, the driver, without knowing it, may stumble upon fraudulent companies. Thus, when calculating the bonus-malus coefficient, various types of inaccuracies may arise. They are easily eliminated through high-quality verification and compliance with official data.
When concluding a contract, the insurance company may make a mistake when checking the driver’s data. As a result, an extremely low result may be presented. Therefore, regular and timely verification of information will help to avoid inconsistencies in the insurance history.
There may be incorrect entry of information about driver insurance under previously signed contracts. For example, an insurance company employee may incorrectly indicate the start and end dates of the insurance policy.

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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.

OSAGO

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.

Read more: Which cars are subject to luxury tax
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.