The cost of the policy includes the base rate, whichvaries according to certain coefficients. They depend on the power of the car, experience and age of the driver and other parameters. One of the coefficients is the “bonus-malus” class. What it is? How to count it? What does this indicator depend on? Read the answers to these questions later in the article.
PCA introduced the coefficient that is used whencalculating the cost of compulsory motor TPL insurance for a specific driver and car - the “bonus-malus” class. What it is? Taking into account changes in the cost of the base fare, today it is a panacea for tidy drivers who have a long experience of trouble-free driving. For those who were responsible for the accident, it can have the opposite effect - to increase the cost of the tariff by 2.5 times.
The class “bonus-malus” (KBM) is a discount forneat ride. Insurance companies are interested in tidy drivers. In order to somehow reward them, the rates provide for factors that provide discounts to customers. Insurers have developed a CBM indicator, which is responsible for trouble-free driving and provides for a discount of 5% for each year. Only accidents in which the payment was made are taken into account.
Since OSAGO insures the harm causedthe owner of the policy to third parties, in this case, only the accidents caused by the client are taken into account. Incidents, including those that were documented without the presence of traffic police officers (except for the Europrotocol), are not counted. The subject of the contract is the responsibility of the driver, not the property. For unprofitability fines are provided that can greatly increase the cost of the policy. That is, for an accident-free ride, the client receives a “bonus”, and for being the culprit of the accident, “malus”. Hence the name of the indicator.
By default, MSC is not included in the PCA database.company - it contains information about previous contracts executed per person and car. This indicator is calculated by the agent upon the application of the citizen. He must also enter information into the PCA database at the expiration of the current contract. This duty is enshrined in the Federal Law "On OSAGO". In practice, it is rarely performed. You can check the “bonus-malus” class not only in the insurance company, but also through the PCA website. In a special form you need to specify the VIN-code, full name. and passport data. The result will be presented in the form of a fractional number range up to 2.45.
There are 13 classes of KBM - ranging from drivers without length of service and further, depending on the number of accidents and insurance payments for them (the policyholder may be injured, and not the cause of the accident).
Class at the beginning of the period | Class coefficient "bonus-malus" | Class at the end of the period depending on the number of payments | ||||
0 | 1 | 2 | 3 | 4 or more | ||
M | 2,45 | 0 | M | M | M | M |
0 | 2,30 | 1 | ||||
1 | 1,55 | 2 | ||||
2 | 1,40 | 3 | 1 | |||
3 | 1,00 | 4 | ||||
4 | 0,95 | 5 | 2 | 1 | ||
5 | 0,90 | 6 | 3 | 1 | ||
6 | 0,85 | 7 | 4 | 2 | ||
7 | 0,80 | 8 | ||||
8 | 0,75 | 9 | 5 | |||
9 | 0,70 | 10 | 1 | |||
10 | 0,65 | 11 | 6 | 3 | ||
11 | 0,60 | 12 | ||||
12 | 0,55 | 13 | ||||
13 | 0,50 | 13 | 7 | |||
По этой таблице можно легко узнать коэффициент "Bonus-malus". The calculation procedure and the practice of using this indicator will be discussed in more detail below. General rules for using the table can be seen in this example. The driver has fifth grade KMB. He acquires a CTP policy with a coefficient of 0.9. If he travels without accidents for a whole year, he will receive a sixth grade and a discount of 15%. But if the driver provokes an accident, the class is reduced to 3. If there are 2 accidents, then to 1. The whole process will resume. In the year it is possible to raise the class only by one. If within 12 months the driver was not insured by OSAGO, then the information about him in the PCA database is automatically reset.
Человек 9 августа 2014 года впервые купил полис OSAGO for a year. Over the past period, he never got into an accident. He was given a discount for the "bonus-malus" class. How to find out its size? Initially, the driver is assigned the third class and the indicator value equal to 1. After a year of careful driving, he will be assigned the 4th class and a coefficient value of 0.95.
More complicated example.On August 8, 2015, a person insured a car for the first time and did not get into an accident for 5 years. In 2020 he became the culprit of two accidents. In this case, the bonus-malus class will be upgraded. What it is? For five years, "break-even" driver earned himself a class 8 KBM. But after two accidents, the indicator slipped to the second with a value of 1.4.
According to the document "On the size limitsrates, the class is calculated according to the owner’s data in relation to the vehicle. According to the contract, there is no limit on the number of persons allowed to drive the car. assigned to class 3.
If the policy is issued for an unlimited numberdrivers, the coefficient is determined for the owner of the car. KBM is a characteristic of the driver, his driving manners, and not the car. If the policy is brought up to 5 people, then the coefficient in the event of an accident is reduced only by the person responsible for the accident, and not by all drivers.
If previously a third person was entered into a contract forlimited insurance, and then the driver decided to issue an OSAGO with a large number of drivers, then in order to maintain the discount in the policy, you need to specify someone else (friends, relatives or acquaintances) so as not to lose the coefficient earned.
In this case, the cost of the policy is calculated bythe minimum class of persons inscribed in the policy of persons, and the story is saved for each driver. Example: at the first driver KBM shows 0.6, at the second - 0.9. When calculating the OSAGO value of 0.9 will be used.
Sometimes the driver has a good trouble-free experience, but when checking data, a low class of “bonus-malus” is displayed. What it is? There are two possible reasons:
The most common problem is the second.And the point here is not in the negligence of employees, but in the fact that information is entered into the database manually. Therefore errors or forgetfulness are possible. The bad news is that recovering "trouble-free" will have to go through the courts. First you need to prove that the bonus is reset. You can do this by contacting the insurance or checking the information on the site yourself. Next, you need to submit an application directly to the PCA, which indicate the previous and current number of CTP policies, so that employees can make sure that you did not have accidents. Next, you should file a complaint with the insurer in the Central Bank of Russia. If these measures fail, then you will have to go to court.
Often the contract of CTP is concluded for a period of less than 12months. The driver is entitled to a discount for "profitability" - the "bonus-malus" class. How to find out the amount of savings? No By law, MSC applies only to a policy that is valid for 1 year.
Insurance companies are interested in experienceddrivers who drive a vehicle well for a long time. In order to encourage such individuals, a KBM coefficient has been developed. He is responsible for awarding “profitable” drivers and punishing those who often get into accidents. How to calculate the bonus-malus class? For each year of a neat ride the driver is given a 5% discount. If there is an insurance payment, the coefficient increases, and the client has to pay extra money for the policy.
