How is driving experience considered for insurance purposes?

How is driving experience considered for compulsory motor liability insurance in 2019?

Insurance, which has become firmly established in life, is designed to protect the property and other interests of citizens. In particular, types of car insurance allow you to compensate for damage incurred in road accidents. As part of the requirements of Federal Law No. 40 of April 25, 2002, driver liability insurance (MTPL) is mandatory. The policy is issued annually, its cost is determined by many parameters, including the driving experience of motorists. How driving experience is considered for compulsory motor liability insurance, how age and experience affect compulsory motor liability insurance, as well as answers to other questions are revealed in the material below.

The impact of driving experience on insurance

When visiting the insurer's office, individual drivers learn that the cost of the insurance premium (insurance payment) for the same car model can differ significantly. It should be recalled that the MTPL policy does not insure the owner’s car or his health, but the opportunity for third parties injured in a road accident to compensate for the costs of restoring health and repairing the car.

It is generally accepted that drivers with more driving time have better driving skills, and their experience allows them to avoid situations that lead to accidents on the roads. At the same time, persons who have received their first driving license with little experience have less chance of identifying the danger of a road situation and correctly calculating their maneuvers, which increases the likelihood of accidents. Guilty participation in them, according to previous insurance periods, also characterizes the skill of the driver.

Guided by the provisions of the Law, the insurance community, when determining premiums, takes into account the time indicator of driving and the age of the policyholder (driver) by the “age-experience” coefficient (AC), as well as the accident-free operation of the car in past periods - the “bonus-malus” coefficient (BMC).

How is driving experience considered for compulsory motor liability insurance?

Insurer managers determine the driving experience based on the documents provided by persons who are allowed to drive a car under the concluded MTPL agreement. How to find out the total driving time?

Determination of driving experience

For MTPL insurance, a driving license allows you to determine the continuous time of possession of the right to drive one or another type of transport:

when granting new rights, the management time is counted from the date of their issuance;
simultaneously with the replacement of rights, a mark is placed in the newly issued document of the permitted category and the beginning of transport management according to it;
acquisition of the right to drive a vehicle of an additional category - by entering a note about the date of receipt in section 14 of the license.

The total period of driving a car is determined by the period that begins the next day after receiving the first license until the day of contacting the insurers regarding the issue of a policy.

It should be noted that the calculation is carried out on the basis of the information recorded by the license, regardless of the actual driving of the car during this time (less than three or more years).

How is driving experience considered for compulsory motor liability insurance if there was a deprivation of license?

In accordance with Article 3.8. The Code of Administrative Offenses of the Russian Federation provides for deprivation of a special right, in this case driving a motor vehicle, in cases of systematic, gross violations of the administrative procedure for its application or evasion of other administrative responsibility. How to restore rights? The right to manage in the manner prescribed by law is restored.

At the same time, the law does not provide for the interruption of the driver’s experience, part of the registration of compulsory motor liability insurance policies. It is calculated from the moment of receipt of rights until the time of contacting the insurer.

Driving experience and connection with OSAGO

When determining the PIC, along with the driving time, the age category of the motorist is taken into account. The cut-off age for determining it is 22 years old; in addition, the base period is a three-year management period.

Taking this into account, the MTPL coefficients by age and length of service are presented as follows:

If a citizen is under 22 years of age and has been driving a car for less than 3 years, then the bonus for him is a maximum value of 1.8.
If a motorist is in the same age group, but has a three-year period of driving, the coefficient value is reduced to 1.7.
Age over 22 years, insurance up to 3 years of management, provides for an amendment to the base rate - 1.6.
For persons over 22 years of age who have been driving a car for more than three years, the bonus is not taken into account when calculating the cost of the policy.

If there is an application to include several persons in the policy whose liability is subject to insurance protection, the determination of the adjustment bonus depends on the age of the youngest car owner with the shortest driving period.

Thus, the cost of MTPL insurance for new drivers and experienced motorists differs significantly, while if you add a driver without experience, the price can be commensurate with purchasing insurance coverage for an unlimited number of people.

Driving experience for bonus malus coefficient

The bonus malus coefficient reduces the total price of insurance. The calculation takes into account the driver’s class assigned depending on the period of driving, based on the length of the period during which he did not take part in road accidents as a culprit. The higher the class, the lower the adjustment, and the cheaper the insurance.

You should pay attention to a certain responsibility when assigning a compulsory insurance policy, since if it is too high, the compulsory motor liability insurance policy is invalidated.

How to determine the deadline for KMB

Calculation of a driver's accident-free driving period begins on July 1, 2003 (introduction of compulsory motor liability insurance). If a person insures the liability of the owner of the car and drives it without accidents, then he is currently assigned a high class with a significant discount.

Different accident rates in different time periods can level the value of the coefficient. So, if a person became a guilty participant in an accident once over the past ten years, and another - twice in two years, then the amendment will be the same.

When opening a new category

Based on the fact that a citizen, opening a new category, begins to drive vehicles with different technical parameters, overall dimensions and the degree of threat to others when driving, the period of accident-free driving for this category begins its report at the maximum rate of the MSC.

For example: a citizen has had the right to drive in category “B” for ten years. In 2017, he successfully completed training and was allowed to drive category “C” cars. When contacting the policyholder this year, his term by category will be presented as one year.

The procedure for providing discounts and their sizes, taking into account this coefficient, undergoes periodic changes. But we can confidently say that accident-free operation of the car during the insurance year will allow you to increase your driving class and receive a discount of at least 0.05%.

Interruption of the deadline for the KMB

If a fact is established indicating that the person has not driven the car under insurance for a period of more than a year, therefore, the period of accident-free operation has been interrupted, then the discount using the bonus is not made, and the control class indicator returns to the original value. If a citizen is included in the contract after its execution or the policy expires before the expiration date, then the year will not be included in the accident-free period.

When calculating a possible KBM discount, the time of accident-free operation of the car of all motorists included in the policy is taken into account. If one of them has an accident history, then you should consider concluding an agreement with an unlimited number of drivers.

Experience for KBM with a policy without restrictions on drivers

When taking out a primary policy, where the number of persons with insured liability is not limited, the term of the insurance policy is determined by the history of the car owner. The peculiarity is represented by the fact that the period of operation of a specific vehicle unit is taken into account. When the owner changes the car, the KBM rate becomes the initial one.

When concluding subsequent MTPL contracts with a limitation on the number of drivers, where the owner is entered as a person whose liability is insured along with others, his class does not change, and the discount is assigned taking into account the past years of insurance.

Which insurance policies do not apply to KBM:

In some cases, the insurer cannot apply the bonus malus coefficient even if it confirms the fact of accident-free operation of vehicles. This applies to the following policies:

issued for a minimum period of time, designed to allow the vehicle to be driven to the place of registration or technical inspection;
issued to persons with citizenship of a foreign state or owners of cars registered outside the country.

When concluding a contract, policies of this category contain a BMR value equal to one.

Problems of recording accident-free experience

Information about the class of drivers and their right to receive a discount for issuing a policy is concentrated in a unified database for recording concluded MTPL contracts. Insurer employees enter operational information automatically. When drawing up a new contract, they also check the information provided by the driver (car owner), determine the presence of insured events, the driver’s class and the amount of the discount from KBM.

In practice, there are cases where mechanical unintentional errors increased the cost of insurance, and poor awareness of drivers about the procedure for calculating bonuses, ignorance of the location of this information on the policy form, led to the fact that they could not fully exercise the right to a discount for accident-free driving.

To exclude such cases, it seems advisable to clarify the information in one of the following ways before visiting the insurer’s office.

Information about accident-free experience with the insurance company

You can check the period of accident-free driving of a vehicle and the class of the driver on the insurance policy, in the “Special notes” column. If there are no entries in the contract, you should contact the official Internet resource of the Russian Union of Auto Insurers - after entering your personal data, comprehensive information will be provided.

Compliance with the rules of safe traffic on the roads and accident-free operation of the car will allow the driver to significantly reduce the cost of insurance services provided by OSAGO. Familiarization with the basics of calculating the driving period, the period of driving without participating in an accident, and the full cost of insurance will not allow you to be misled.

You can find out how much OSAGO costs if you have 3 years of driving experience and apply for a policy in the special form below, as well as by signing up for a free consultation with our specialist.

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How is driving experience considered for insurance purposes?

In this article we will talk about how driving experience is calculated when applying for an insurance policy. This calculation for car insurance is quite simple. Moreover, it is the driving experience that has a great influence on the cost of the MTPL policy. It is worth noting that the cost of CASCO insurance depends to a lesser extent on your driving experience. To a greater extent, the price of voluntary car insurance is influenced by the characteristics of the vehicle and the list of included services.

How is driving experience considered for CASCO insurance? This is done very simply - the period from the driver’s receipt of a license to the moment the policy is issued is taken into account, and it does not matter what the actual driving experience of the drivers is.

Calculating driving experience for compulsory motor liability insurance has more nuances. It is no secret that the main task of insurance organizations is to obtain maximum profits, so it is impossible to be sure that the insurer’s representative calculated the driving experience correctly. Therefore, it is important to know the calculation rules.

The influence of driving experience on the price of an insurance policy

By law, every vehicle owner is required to insure his civil risks. Moreover, the legislation regulates the basic tariffs for compulsory motor liability insurance; however, insurance companies have the right to change the cost taking into account a number of factors. Insurers pay the greatest attention to driving experience, since accidents most often occur due to the fault of drivers who do not have sufficient experience.

Some insurance organizations heavily speculate on this fact, deliberately understating indicators to obtain additional margin. Therefore, it is necessary to know the nuances of how driving experience is calculated for insurance purposes. More on this later.

Age accounting procedure

When determining the cost of car insurance, insurers take into account numerous factors, but special attention is paid to the age of the driver and his practical driving experience. Usually, if an experienced driver takes out insurance, the insurer does not take his age into account. The exception is older drivers who have no driving experience. In a case like this, age is a reason to increase your auto insurance rate.

Driving Experience

If we talk about driving experience, it is one of the main factors; insurance organizations take it into account without fail. Motorists with extensive driving experience should not worry about a possible overpayment. But inexperienced people are often deceived. Driving experience is counted from the moment the license is issued. However, actual driving experience matters too. Bonus malus is also an important factor. This is a coefficient reflecting the number of accidents caused by the driver. The lower it is, the fewer accidents occurred due to the driver’s fault.

The impact of PIC on the cost of the policy

Let's look at how driving experience is calculated for insurance? It is worth noting that insurers do not take into account the age of the motorist only if he has enough driving experience. If we are talking about young drivers who do not have sufficient experience, then the situation is the opposite. To make the most accurate calculations and reduce financial risks, insurers will have to correctly determine the coefficient that takes into account the driver’s age and driving experience (DIC). This is the so-called age and experience coefficient.

KVS can have 4 values:

1.8 – this coefficient is assigned to a driver whose age is less than 23 years, and whose practical driving experience does not exceed 3 years.
1.7 – this coefficient is used in the process of calculating the cost of insurance for drivers whose age is more than 23 years, but whose practical experience is less than 3 years.
1.6 – this coefficient is used when calculating the price of the policy for drivers who are less than 22 years old, but have a driving experience exceeding 3 years.
1 – this coefficient is assigned to drivers who are over 23 years old and have more than 3 years of driving experience.

A logical question would be about the rules for calculating the coefficient for a driver whose age is much more than 23 years old, and whose driving experience exceeds tens of years. The indicator will not undergo any changes. Both a driver with ten years of experience and one with three full years can receive the maximum discount. However, experience shows that the price of policies can vary significantly, with the difference sometimes reaching 80%. How driving experience is considered is important to know when calculating the cost of an insurance policy. It is also worth checking this issue with different insurance companies to find the most suitable one.

Accident-free experience, its impact on the cost of insurance

In the process of calculating the cost of car insurance, the accident-free driving record (AFD) is also taken into account. This indicator is important, but not decisive. In this regard, it is used along with other factors. However, the cost of an insurance policy often greatly depends on the driver’s discipline. For example, if a driver has a ten-year accident-free record and the bonus-malus coefficient is minimal, he has the right to count on receiving a significant discount when taking out insurance, and vice versa. For example, the same rate can be assigned to a driver who has caused 2 accidents in 5 years, and to someone who has been driving for only 1-2 years, but during this time has not caused a single accident.

Rules for calculating PIC when taking out MTPL insurance

To understand how driving experience is considered by law, let us explain that the age of a motorist when calculating the cost of compulsory insurance is taken into account in cases where he has minimal experience. The date of receipt of a driver’s license by the motorist or the assignment of a new category is taken as the beginning of the driving experience.

In accordance with existing rules, deprivation of rights and breaks in driving do not have an impact on the calculation of driving experience. That is, the starting point of the length of service is always the issuance of rights. This fact is also taken into account when replacing a driver’s license.

How driving experience is considered is quite simple to understand; you just need to look at your license. To correctly calculate the coefficient, you need to know one thing. It is directly dependent on the change in driver category. For example, a driver has ten years of experience driving a vehicle (with license deprivations and breaks), and a couple of years ago he changed his category. This means that his total driving experience is 10 years, and when calculating the cost of insurance, a coefficient equal to one will be applied. But if insurance is opened for a vehicle corresponding to a recently opened category, then the FAC will be applied, which is equal to 1.7.

The influence of KBM on the cost of compulsory motor vehicle insurance. Peculiarities

Continuing to consider how driving experience is calculated for compulsory motor liability insurance by categories of coefficients, it is important to note that there is an indicator used in the process of determining the cost of insurance - KBM (bonus-malus). It is worth explaining that this indicator is often the reason for starting litigation. Very often, insurance organizations accidentally (but more often intentionally) make mistakes in the process of calculating the BMI. And any driver applying to an insurance organization for the first time is assigned a BMR equal to one and class 3. If the driver does not cause an accident during the year, the BMR is reduced. This means that the cost of compulsory motor liability insurance is also reduced. That is, the driver’s expenses for insurance directly depend on the correctness of the calculation of the BMR.

The KBM, unlike the aircraft, when the insurance period is interrupted for a period of one year, will again become equal to one, and the driver will be assigned class 3.

This explains why drivers who received their license a long time ago but do not have an insurance record, or they have an insurance record that was repeatedly interrupted, lose. In fact, actual driving experience does not correspond to practical experience. In this case, the insurer’s risks increase greatly, and the cost of the policy changes accordingly.

Checking the KBM

Sometimes car owners are faced with situations where insurers accidentally or intentionally make mistakes in the process of calculating the BMI. In this case, each owner can calculate the KBM independently and check it on the official RSA portal. If discrepancies are found, you must contact the insurance company. If the insurer does not agree with the arguments, communication with him should be continued in court.

How is driving experience calculated correctly?

The information studied allows us to conclude that those drivers who are over 23 years old have an advantage when calculating the cost of car insurance. Moreover, their driving experience exceeds 3 years. Despite the fact that driving experience begins from the moment you receive a license, it is calculated separately for each category. Moreover, deprivation of rights and breaks in driving do not have an impact on this indicator. In the process of calculating the BMR, not only participation in an accident is taken into account, but also culpability in it. If the driver has not had an MTPL policy for more than a year, he will automatically be deprived of all discounts.

How is driving experience considered for MTPL insurance?

Driving experience for compulsory motor liability insurance is considered simple, and the cost of the insurance policy most often depends on it, and the less driving experience, the more expensive it is. It is no secret that the task of an insurance company is to obtain maximum profits, so one cannot be sure that all calculations by insurers are made correctly. Therefore, anyone who values their money should be able to calculate their driving experience. The information presented below will help with this, and you can make simple calculations yourself.

Does driving experience affect the cost of an insurance policy?

Federal Law No. 40 on OSAGO, adopted in 2002, obliges every vehicle owner to insure their risks. This law, meanwhile, presupposes freedom of action for insurance companies, which themselves set the cost of the policy, taking into account a number of factors. Insurers pay particular attention to driving experience, because car owners who do not have sufficient practical experience most often get into accidents. Many insurance agencies are clearly “speculating” on this, deliberately underestimating indicators and gaining additional margin.

How age and driving experience are taken into account

When determining the cost of an insurance policy, insurers take into account multiple factors, but I would like to dwell in more detail on the driver’s age and practical driving experience. As a rule, especially if we are talking about an experienced driver, insurance companies do not take into account his age. The exception is “elderly” drivers who have no driving experience - in this case, advanced age is a reason for increasing insurance rates.

As for driving experience, this is one of the main indicators, and it is taken into account by insurance companies without fail. Drivers with extensive driving experience should not worry about possible overpayments, while inexperienced drivers are very often deceived, which means that you must understand this issue yourself and be able to challenge the decision of the insurance company in case of disagreement. What is important here is not only how long ago the license was issued, but how long the driver was behind the wheel. The “bonus-malus” coefficient is also important - the lower it is, the fewer accidents the owner of the insurance policy has caused.

How does FAC affect the cost of a policy?

When we say that insurance companies do not take into account the age of the driver, we mean cases where the driver has sufficient driving experience. In cases with young drivers who may not yet have sufficient experience, the situation is different. In order to carry out calculations as correctly as possible and reduce financial risks, insurers must correctly calculate the coefficient that takes into account the driving experience and the age of the car owner.

There are 4 values for this coefficient:

1.8 – coefficient assigned to a driver whose age is less than 23 years, and whose driving experience does not exceed 3 years.
1.7 – this coefficient is used to calculate the cost of the policy for drivers whose experience does not exceed 3 years, but the car owner’s age is more than 23 years.
1.6 is the coefficient received by drivers who are 22 years of age or younger and have more than 3 years of experience.
1 is the coefficient that drivers over 23 years of age and with extensive driving experience exceeding 3 years deserve.

A logical question arises: how is the coefficient calculated, for example, for a driver whose age has long “passed” 23, and whose driving experience goes back decades. There are no changes to this indicator, and both a driver with 10 years of experience and one who has spent a full 3 years behind the wheel can count on the maximum discount. Meanwhile, experience shows that the difference between the cost of the policy, depending on the coefficient, can be significant, and sometimes it reaches 80%.

What is an accident-free driving record and how does it affect insurance?

When calculating the cost of an insurance policy, the accident-free driving record (AFD) is also taken into account - an important concept, but not decisive, so it is used as one of many factors. Meanwhile, the cost of the insurance policy depends, and sometimes significantly, on how disciplined the driver is. For example, if he has 10 years of accident-free driving experience, is in good standing with the traffic police and has a minimum bonus-malus ratio, he can count on receiving significant discounts when taking out an insurance policy, and vice versa. Thus, the same rate can be assigned to a driver who has had 2 accidents in 5 years of driving and to someone who has been driving a vehicle for only 2 years, but was not involved in a traffic accident.

How is the PIC calculated for compulsory motor liability insurance?

As already mentioned, the driver’s age when determining the cost of a compulsory motor liability insurance policy is taken into account only if his experience is minimal. As for the beginning of driving experience, this indicator does not cause any difficulties for insurers, since this, in any case, is the date of issuance of a driver’s license or assignment of the next category.

According to existing rules, the accrual of driving experience is not affected by breaks in driving or deprivation of a license. In this case, the date of issue of rights is always taken as the starting point. Even when replacing a driver’s license, this fact must be taken into account.

In order to correctly calculate the coefficient, you need to know that driving experience directly depends on the change in category. To understand this issue, it is enough to consider it using specific examples. For example, a driver has 10 years of experience driving a vehicle (with breaks and deprivation of a license), and two years ago he decided to change his category. This means that his total driving experience is 10 years and a coefficient of one is applied, but when driving a vehicle corresponding to a newly opened category, a coefficient of 1.7 is applied.

How does KBM affect the cost of an MTPL policy?

An important indicator when determining the cost of an MTPL insurance policy is the bonus-malus ratio (BMR), but it is this that often becomes the reason for starting legal proceedings. Quite often, insurers intentionally (less often accidentally) make mistakes when calculating the BMI. It is worth noting that each driver who contacts the insurance company for the first time is assigned class 3 and a bonus-malus coefficient equal to one. If the car owner has not been involved in an accident in a year, this coefficient decreases, which means that the cost of the insurance policy decreases, and vice versa. Accordingly, the car owner’s insurance costs depend on how correctly the coefficient was calculated.

Unlike driving experience, which is not interrupted, the “bonus-malus” coefficient, if the insurance period was interrupted for a year or more, the driver is automatically again assigned 3rd class and “one”, even despite past “merits” .

Now it becomes clear why drivers who received their license quite a long time ago, but do not have an insurance record or it has been repeatedly interrupted, are in a losing situation. This suggests that, in fact, practical driving experience does not correspond to actual experience, and in this case, the insurance risks increase, and the cost of the policy, accordingly, also increases.

How to check your class and KBM

Quite often, car owners have to deal with a situation where insurance company specialists intentionally or accidentally make an error in calculating the BMR. This issue, on which the cost of the policy depends, should not be entrusted to insurers, therefore, the car owner must calculate his class and coefficient, respectively, independently and check on the official RCA website. If any discrepancies arise, you should contact the insurance company, and if the insurers do not agree with your arguments, continue to communicate with them in court.

We calculate driving experience correctly

Thus, it is important to know that drivers with three years of driving experience and whose age exceeds 22-23 years definitely have an advantage when determining the cost of an insurance policy. Driving experience, although it begins when a driving license is issued, is calculated separately for each category of driving, and interruptions in driving or deprivation of a license do not affect this indicator. When calculating the bonus-malus coefficient, not only the fact of participation in an accident is taken into account, but the degree of guilt of the driver. If the car owner has not been included in the MTPL policy during the year, he will automatically lose all discounts.

As for driving experience and its change in the event of a driver’s license replacement, much depends on the traffic police officers. When issuing a new license, they must note in the “Special Notes” column when the license was issued for the first time - from that moment the driving experience begins, the interruption of which is not provided for by law. The cost of your insurance policy depends on when your driving experience began.

If the driver's age is less than 23 years and driving experience is less than 3 years, you should not count on a discount, since in this case the maximum FAC coefficient is used. You can automatically apply for a discount only when three years have passed since the date of issue of rights, and the increasing coefficient is cancelled. And the most important advice: every car owner can find out his driving experience by paying attention to column No. 14 on the back of the driver’s license. Even if your license is replaced, it will indicate the date when your driving experience began.

Calculation of driving experience for insurance

Car insurance is necessary to protect your property and the ability to compensate for damage caused to other participants in an accident. The MTPL policy is mandatory for all drivers and is updated every year. To calculate its cost, many factors must be taken into account.

The impact of driving experience on insurance

Having visited the office of an insurance company, many drivers find out that the cost of insurance services for the same car model sometimes differs.

It is important to remember that OSAGO does not insure the car or its owner, but gives the opportunity to third parties injured as a result of an accident to receive compensation.

According to insurers, drivers who have been behind the wheel for a long time do not often find themselves in unpleasant situations on the road. Beginners who have recently started driving, on the contrary, cannot always assess the situation and calculate maneuvers, which increases the likelihood of getting into an accident.

How is driving experience considered for compulsory motor liability insurance?

The cost of this service largely depends on the driving experience of the policyholder. The insurer determines driving experience based on the documents provided to it.

In this case, two important coefficients are taken into account. Firstly, the age of the driver, it is important for those who have just started driving a car. In other cases, this factor does not affect the cost of the policy in any way.

Determination of driving experience

A driver's license is required to obtain compulsory motor vehicle liability insurance. This allows you to determine the total experience of driving a particular type of transport.

The following nuances should be taken into account:

if new rights are granted, time is counted from the date of their issue;
along with the replacement of rights, a note about the category and the date of its opening is placed in the document;
in case of receiving an additional category, this information is also entered into the driver’s license.

Accounting for driving time depends on the category. That is, having received another category, the length of service in the previously open one is not reset, but in the new one, it is counted from the day it was received.

For example, a person has experience in category B since 2005, and in 2015 he opened category D. Then in 2017, when receiving insurance for a passenger car, the driving experience will be 12 years and the age and experience coefficient will be 1, and for a bus policy - 2 years and FAC 1.7.

Experience for calculating KBM

Accident-free driving does not really reflect the true situation regarding the cost of the policy. It is used as one of the main factors for discounts for accident-free driving. But if the driver caused an accident, the next insurance for him will cost more.

If for 10 years the driver has never been the culprit of an accident and has a minimum level of BMC, then he has the right to count on a discount of up to 50% when calculating the policy.

But this coefficient is equal for people who have traveled for different amounts of time without accidents. For example, one person was involved in road accidents twice five years ago, and the second was involved in one accident two years ago. In this case, their discounts will be the same.

But there are cases in which the driver will not be able to take advantage of the bonus malus coefficient even after long-term accident-free driving. This applies to the following policies:

with a minimum policy validity period, when the document is issued only for driving a car for the purpose of registration or technical inspection;
the document was issued by foreigners, or the vehicle is registered in another country.

It is worth considering such nuances. Policies in this category receive a KBM coefficient equal to 1. It is also important to consider that if a person does not drive a car under insurance for more than a year, the discount for accident-free operation is canceled and the class returns to the original one.

When a person is included in the policy after registration or the document becomes invalid before the expiration date, this period is also not included in the CBM.

It is also important to remember that when calculating the malus bonus, the accident-free driving of all drivers specified in the policy is taken into account. If one of them has had accidents, it is better to choose an unlimited contract.

Rewards for accident-free driving

When considering the malus bonus, only accident-free experience is taken into account. It is important that there are no road accidents where the policyholder was found to be at fault. Each driver is automatically assigned a class and coefficient value.

The more driving experience, the higher the class and the lower the coefficient. Accordingly, the cost of the policy will also be lower.

If the driver causes an accident, his class will automatically be downgraded.

It is more profitable for a person with a low class to enter into an agreement without restrictions. In such a situation, only the owner of the car counts as accident-free driving experience.

Sometimes drivers encounter difficulties when the malus bonus announced by the company does not correspond to the real one. In this situation, it is realistic to monitor the changes yourself.

The driver's class is usually indicated on the policy form in the section with special marks, but if this information is not indicated, you can actually find it out yourself. You will need the Internet and access to the AIS OSAGO system, which every person has.

This database is uniform for all insurers and in it you can find information on all contracts since 2011.

open the RSA website and go to the appropriate section;
enter the driver’s full name, date of birth and ID number;
enter the date of assignment of the KBM indicator;
send a request.

Immediately after this, the system will inform you what class the driver has for the requested time. He will also receive information about the previous insurance contract.

Accounting for accident-free experience

All information about the driver’s class and his right to a discount are collected in the OSAGO contract database. The insurer makes changes automatically. When registering a new contract, the company checks the information provided by the driver with the database.

But in practice, there are cases when minor mechanical damage increases the cost of insurance, and low awareness of drivers leads to the fact that they do not take advantage of the required discount.

To avoid this, you should check this information yourself in advance. The period of accident-free driving is indicated on the policy document in the Special notes column. If there are none, information can be found on the RSA website.

How is driving experience considered for compulsory motor liability insurance if there was a deprivation of license?

Experience is counted from the date of issue of the certificate or from the moment the assigned category is opened. The legislation does not provide for breaks or stops in its accrual.

The basis for deprivation of rights also does not matter. Driving experience is always counted from the moment the license is first issued.

Driving experience for MTPL insurance

The total period of driving a vehicle begins the next day after obtaining a license and before contacting the insurance service. The calculation is carried out only on the basis of the data specified in the documents, regardless of the actual operation of the machine.

According to the law, experience is counted from the moment the first license is issued. Disqualifications or other interruptions do not matter. In any situation, driving experience is counted from the moment the first license is issued.

Is the KVS system beneficial for the policyholder?

When concluding an insurance contract, each person contributes a driving experience factor. This value has 4 levels:

The maximum level is 1.8. It is assigned to drivers under 23 years of age with no more than 3 years of driving experience.
The next level is 1.7. It is typical for drivers who have already turned 23, but they received their license relatively recently.
People over the age of 22 have a rate of 1.6. But the total driving experience must be at least 3 years.
The minimum level is 1. It is typical for all drivers who are over 23 and have more than 3 years of experience.

But based on this indicator, the cost of insurance is calculated. For an inexperienced driver, it will be approximately 80% higher than for those who have been driving a car for a long time. If a person has sufficient driving experience, the cost of the policy for him will not increase, or he will be given a discount.

If the policy indicates the young age of the policyholder, and his experience does not exceed 4 years, then the cost of the policy will be the same as that of insurance. In this case, the driver’s experience does not count towards the malus bonus.

Use of KVS in a limited contract

When several people are included in one insurance contract, the highest rate will be used when calculating the amount. Also, the number of people who have the right to drive the same vehicle is not limited in any way by law.

Some insurance agents claim that they are limited to 5, this is incorrect information. A person has the right to enter and register all drivers, securing the entry with a seal.

KVS in unlimited MTPL

When taking out an unlimited policy, certain rules apply. Due to the fact that an unlimited number of people are allowed to drive a vehicle, driving experience is not taken into account here.

Therefore, in such a situation only the coefficient of 1.8 works. This does not depend on length of service, age or number of people.

How is driving experience considered for MTPL insurance?

Every modern driver knows that even one person included in the insurance can increase the cost of the policy by almost 9 times.

At the same time, not everyone can be sure that they do not spend an extra 3-5 thousand every year on car insurance due to fraud by the insurance company.

In order not to pay extra, it is worth knowing how driving experience is calculated for compulsory motor liability insurance.

Such situations may arise due to insufficient driver experience. If you know how to correctly calculate driving experience for a compulsory motor liability insurance policy, you can save a significant amount on compulsory insurance.

If you purchase an insurance document incorrectly, this will automatically lead to the loss of the main beneficial discounts that have been accumulated since the registration of your driver’s license.

In this article, you can learn how driving experience is calculated, how it affects the cost of a car insurance policy, and how to do the right thing to avoid wasting money.

The impact of driving experience on insurance

OSAGO is compulsory insurance, and its price can bewilder any, even the most experienced driver..

What may be even more surprising is the fact that for one model of vehicle, insurance will cost differently.

The main reason for this difference is that several parameters and certain factors are used simultaneously in the cost calculation process. One of the most important is driving experience.

Compulsory insurance uses two special coefficients directly related to driving experience . One of them takes into account the age of the driver.

It is only important for those who have just started driving a car. It is not important to other drivers, since it does not have any impact on the cost of the next policy.

As for the second indicator, it has a slightly greater impact on the price of the policy; therefore, it is necessary for all drivers without exception.

This takes into account not just the time during which a person had the right to drive a car, but also the presence or absence of emergency situations in which the driver was identified as the culprit. We are talking about the well-known bonus malus coefficient or KBM .

The connection between length of service and the MTPL agreement

The coefficient of driver experience and age has four main values:

Its maximum level is 1.8 and is used for drivers under 23 years of age with no more than 3 years of driving experience.
Less than 1.7 is typical for those who received their license relatively recently, that is, three years and a little less, but who are already 23 years old.
The next level will be 1.6 for those who have already reached the age of 22 or less. Their total driving time must exceed three years.
An indicator equal to one is typical for all others who have more than 3 years of driving experience and who have reached the full age of 23.

There are no further changes to this parameter . Based on the presented indicators, we can conclude that the cost of insurance for a driver with no driving experience will be approximately 80% higher than for an experienced driver.

If a person has sufficient driving experience, he can count on the fact that the cost of the policy will not be increased or decreased.

If the insurance policy indicates the young age of the driver, whose driving experience is less than four years, the price of the insurance policy will be the same as for insurance that does not have restrictions on the persons included in it. In this case, driver experience will not be counted towards the Malus bonus.

Experience for calculating KBM

An accident-free driving record is a concept that does not reflect the current state of affairs regarding the cost of an insurance policy.

It is used as one of the main factors that serve to calculate the discount given for driving a car without accidents.

If for about 10 years the driver has not been investigated by the traffic police as the culprit of the accident, if he has a minimum KBM indicator, in this case you can count on receiving a significant discount when calculating the cost of the policy.

It is worth noting that the described coefficient may be equal for people who have driven for different amounts of time without an accident.

For example, if one driver was involved in two accidents five years ago, and another had one in two years, the discount for driving without accidents will be completely equal.

That is, the discount will be equal for a driver who has driven for 5 years and 2 years without an accident.

Reward for accident-free driving

In the process of applying the malus bonus coefficient under consideration, only accident-free experience will be taken into account. At the same time, there should not be precisely such accidents where the driver is the culprit.

Each driver will be assigned a special class, which is automatically assigned a coefficient value.

The longer the driving experience without accidents is, the higher the class will be assigned, the lower the coefficient will be, and accordingly, the lower the cost of the compulsory motor liability insurance contract will be.

As soon as a person becomes the culprit of an accident, the class is automatically reduced, the coefficient automatically increases, and at the same time the price of insurance.

If, after research, the class of the person included in the insurance is quite low, it will be much more profitable to conclude an insurance contract without restrictions. In this case, the driving experience without an accident will not be counted against anyone except the owner of the car .

Rules for calculating length of service for compulsory motor liability insurance

The length of service for a PIC can be determined by the date of first receipt of a driver's license . There are no problems with this issue; insurers determine it easily and simply.

If it is recorded that three years have passed since the submission of the first driver’s document, the increasing factor will not be applied. However, there are issues that require closer attention.

Determination of length of service for a captain

The driver's experience is clearly indicated on any driver's license . It is indicated on the back of the document in column 14.

When replacing a certificate for various reasons, the experience will be fully preserved and will always be indicated in the 14th column, regardless of the category of the certificate.

In some cases, such information is not indicated on the first issued certificate. In this case, the beginning of the internship will be determined by the date of official opening of the assigned category.

Interruption of service due to deprivation

When is driving experience considered? According to modern legislation, no stops or breaks are provided for during the accrual of length of service.

In this case, the basis for deprivation of rights and the reasons for interruptions in driving do not matter. In any case, driving experience will be counted from the date of first issue of a driver’s license.

Experience and change of category

Each category has its own accounting of driving time. This period is also indicated on the license.

In other words, in the process of obtaining a new driver’s category, the experience in the previously open category will not go away. The date of receipt of the new category is taken into account only when taking into account the new category.

For example, a person with a category B license has 10 years of driving experience from 2006 to 2016. If in 2014 he passed category D, then when applying for bus insurance, 2 years of experience will be accepted.

In the first case, the VAC will be one, in the second it will be equal to 1.7.

How to find out the accident-free experience of an insurance company?

Quite often, drivers are faced with a situation where the bonus malus coefficient used by the insurance company does not correspond to reality. In this case, there is automatically a desire to monitor the changes being made, otherwise it will be impossible to identify violations.

In some policies, the driver's class is indicated on the policy form in a special section on special notes or near the specified persons who were included in the insurance policy.

What should those who do not have KBM insurance do? Everything is quite simple here. All that is required is an Internet connection and access to a special automated system, AIS OSAGO, to which every person is allowed.

This is a single information database, common for all insurers without exception. This database contains all information on concluded automobile insurance contracts starting from 2011.

Here is a more accurate algorithm of actions: in order to find out the personal coefficient of the Malus bonus, you need to know how to find out your driving experience in the RSA database:

You need to go to the RSA in the appropriate section.
Enter the personal data of the driver whose class you want to check. This is your full name, date of birth and ID number.
The date when the KBM indicator was designated is indicated.
A special request is sent with a preliminary writing of the security code from the image.

After the manipulations have been carried out, the system automatically issues the class of the person driving the car for the requested time. At the same time, data is issued that relates to the previous compulsory liability insurance contract.

KBM during breaks in driving

In case of possible breaks in insurance that exceed one year, the driver's class is automatically canceled.

It becomes equal to three, and the coefficient equals one, that is, the accumulated discount is completely lost.

At the same time, the accident-free year will not be counted if the entry in the document was not made at the time of concluding the contract, or if it was terminated before the specified time.

From here it becomes clear whether the driving experience is valid if it is not included in the insurance . Summarizing all that has been said, we can highlight certain important points in determining the length of service in the process of applying for insurance.

Here are the most basic of them:

three full years is the limit that divides the driver’s experience in car insurance into the time before and after;
driving experience for each category is calculated separately;
the period of driving experience is calculated strictly from the date of issue of the first driver’s license, breaks do not matter here;
in the MSC, not only the fact of an accident is taken into account, but also the degree and fact of guilt of the driver who took part in the accident;
the discount for safe movement along the highway is canceled immediately in the process of “non-registration” of a person as a driver in the MTPL insurance policy for one year.

These rules directly apply to a simple insurance policy. If the insurance belongs to the unlimited category, accident-free driving is recorded according to its individual characteristics.

Important Tips

Experts recommend calculating the cost of the policy in advance for all acceptable options . This must be done strictly with an eye to the future.

In some cases, an insurance contract without restriction of persons allowed to drive will be more preferable due to greater benefits.

It is advisable to always check your class by visiting AIS RSA. To avoid certain surprises regarding insurance, you should calculate the cost of the document using special online calculators, know how the basic coefficient is calculated and other operations are carried out.

This must be done before each visit to the insurance company to apply for new car insurance. Do not forget in what situations the KBM can be completely reset to prevent them.