As we have already noted, the insurance company transmits data about drivers from its database, and people (policy entry operators) enter this information into the database. There may be a human factor - when entering the last name, first name, patronymic or date of birth of the driver, the operator could make a typo. If at least 1 letter or number in the database does not match the information that you enter when accessing the RSA AIS, the system will return an error and your discount will be lost.
Multi-vehicle management
The driver could be entered as a person admitted to drive in several insurance policies. At the same time, the CBM value could be different in each of these policies, since until 01/01/2013 the agent did not apply to a single database to determine the CBM, but gave a discount based on the previous policy. For example: Ivanov I.I. has his own car, and is also allowed to drive a car of his wife, whose driving experience is 2 years. In his policy, he has a CBM of 0.5, in his wife's policy - 0.9 (since the wife's insurance history has only 2 years, according to the number of years of experience). If the insurance company transmitted data on both policies, the value of CBM for Ivanov I.I. will be the maximum of the two, that is, 0.9.
Bankruptcy of an insurance company
The insurance company went bankrupt and did not transfer data to the RSA AIS system. In this case, there is simply no information about the driver's insurance history in a single database.
Unscrupulous agent or employee of the insurance company
By law, an agent must check your discount in the PCA database before issuing a policy. However, often the agent does not do this, taking advantage of the illiteracy of the client. By overestimating the Kbm, the agent increases the cost of the policy and thereby earns more. In this case, cbm = 1 is transferred to the PCA base, that is, the same if the policyholder would issue the policy for the first time.
What to do in order not to lose the accumulated discount for break-even insurance and restore the lost CBM?
Until July 1, 2014, insurers could use the "break-even statement" to determine the value of CBM. P 35 of the OSAGO rules reads: “In case of early termination or upon expiration of the contract compulsory insurance the insurer provides the policyholder with information about insurance in the form established in accordance with the law Russian Federation. Information about insurance is provided by the insurer free of charge in writing within 5 days from the date of the relevant request of the insured and is entered into the automated insurance system. Thus, it was sufficient to apply to insurance company, where the last OSAGO policy was issued, receive a certificate in form No. 4 and, on its basis, issue the next OSAGO policy. At the next transfer of data on the value of cbm to the AIS RSA system, cbm was updated.
On July 1, 2014, amendments to the legislation came into force that do not allow the application of the CBM on the basis of a break-even certificate, namely:
Subparagraph "h" of paragraph 3 of Article 29 federal law dated July 1, 2011 N 170-FZ "On the technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation" (with amendments and additions) amends the Federal Law "On Compulsory Insurance civil liability vehicle owners"
h) add clause 10.1 with the following content:
"10.1. Conclusion of a compulsory insurance contract without entering information about insurance into the automated information system of compulsory insurance, created in accordance with Article 30 of this Federal Law, and checking the compliance of the information provided by the insured with the information contained in the automated information system of compulsory insurance and in the unified automated information system for technical inspection information is not allowed.";
Thus, when issuing an OSAGO policy, the Insurer must check your CBM on the basis of the AIS RSA, as well as check the availability of a valid technical inspection coupon in the unified information system EAISTO. Without this, the issuance of an OSAGO policy is not allowed.
How to restore cbm? You can go 2 ways:
Option 1.
- Determine at what point in time your cbm disappeared. To do this, you need to check the CBM for different dates, and find which insurance company issued your policy with the wrong discount.
- Find and scan copies of policies with the correct cbm value
- Write complaints to the Central Bank, the PCA, the insurance company in which you are currently insured. Attach scans of policies on the basis of which you require recalculation of the discount to the complaint.
- Within a month, your complaint should be considered and, depending on the set of documents that you send along with the complaint, a decision is made to restore the CBM.
Option 2
- Check out the cbm. In the results of the check, you will see the button "Not satisfied with the cbm? Let's restore it." Our experts will do all the work for you, and within 1-5 days your cbm will be restored and you will be able to issue an OSAGO policy with the required discount or request a refund of the overpaid insurance premium from your insurance company.
Some Russian drivers face one problem: when checking the bonus coefficient - malus for OSAGO. On a special website or in a branch of an insurance company, it is found that it is noticeably reduced or these figures have completely disappeared. Therefore, the question arises: "How to return it to the KBM, if at the moment when I insure, the consultant tells me that it is equal to zero." About when the KBM coefficient of the OSAGO policy is reset to zero later in our article.
The OSAGO bonus-malus coefficient is a special indicator that is a reward to the car owner for accident-free driving for 1 year. In other words, this is a discount on the provision of the service of obtaining a policy. To get this bonus:
- the driver should not be seen in accidents;
- should not be found guilty in an accident;
- if an accident occurs, then there should be no insurance payment.
It is worth noting that there are 15 driving classes. At the same time, each of them has its own bonus-malus coefficient.
KBM check
Often, information about the KBM is lost, both through the fault of the insurer and the driver, so it is better to check this indicator annually so as not to lose the discount again. If you want to check its size yourself, you can follow the link to the PCA website. This is a database that has all the information about citizens who have issued a policy. 
To check, you need to fill out a special form:
- Select your owner status. This may be the individual or entity that owns the vehicle.
- Specify OSAGO without restrictions or with restrictions.
- The following are personal data - full name, date of birth.
- Driver's license details, namely its series and number.
- Start date of the contract.
- After that click "Search".
Legal nullification cases
In the event that the system issues that the KBM has disappeared or the standard driving class has been returned, this means that the size of the bonus-malus coefficient has been changed or is completely absent.
Insurance companies assure that if a zeroing is found, there may be legal grounds for this. Indeed, there are several situations in which Russian drivers can lose a discount. These include:
- The OSAGO discount is valid for one year only. If the driver has not insured the car and wishes to do so only after a year, the insurance will be paid without taking into account the CBM. Also in this case, there are illegal grounds for zeroing: if your insurance company did not submit your data to single base, then the bonus-malus coefficient burns out for the year.
- If you made out new policy and changed the limited insurance to unlimited, then, in accordance with the law, it is issued with the setting of KBM at 1%.
- In the event that you issue an OSAGO policy, but the owner of the car has changed over the year, there will be no increase in the discount, regardless of how many years you are insured. To calculate the bonus-malus coefficient, it is precisely the full year of insurance that is required, a shorter period is not counted, therefore, after the sale, it is better to reissue insurance for another vehicle, and not stop it altogether.
Also, discount data is often lost due to entering incorrect information about the driver in the PCA. You can double-check it at the insurance company or on the website in the OSAGO data verification section. It contains information entered into a common database. When insured, it is better to double-check all the data yourself.
One of the rarest cases of KBM zeroing is the absence of publication in the PCA database about your discount for the year. This can happen when buying a fictitious OSAGO.
Previously, many insurance companies considered it necessary to cash in on their customers, so some insurance managers hid data and did not register CBM, which actually led to the loss of this indicator at the moment.
How to recover
To restore the discount, you need to send a complaint to insurance organization. For this: 
- Determine when the CBM became equal to one: go to the site and save a screenshot of the policy issued 1 year ago, as well as a new document without taking into account the discount.
- Additionally, find OSAGO, which you issued earlier. Take a photo or scan them.
- Print out all the documents and go to the insurance company. Write a complaint addressed to the manager: demand the restoration of the KBM, as well as the return of the amount that was paid under the current contract. The policyholder must give you a special form and send it to your boss.
- In the event that the organization has not responded to you within a month, send a complaint to the Russian Union of Motor Insurers, as well as Central bank Russia. Be sure to attach all documents.
MOSCOW, Oct 13 - RIA Novosti/Prime. The Russian Union of Motor Insurers (RSA) announced that the OSAGO reform, launched in 2014, has taken place, although problems with the calculation of the accident-free coefficient (CBM) and the appearance on the market of a large number of fake motor insurance policies have not yet been resolved.
On October 1, 2014, amendments to the law on OSAGO came into force regarding the limits for payments to victims of an accident (for property they increased from 120 thousand rubles to 400 thousand rubles, for life and health - from 160 thousand rubles to 500 thousand rubles). The tariffs for OSAGO were increased twice (in October 2014 and in April 2015), from July 1, 2015 it became possible to issue an auto-citizenship in electronic form.
"I think that the OSAGO reform has taken place. ... However, there remains a problem - this is the bonus-malus coefficient (MBM), and we are currently working on it. ... In addition, the trend that has emerged during the current crisis is the emergence of a large number of false policies," - said the executive director of the RSA Evgeny Ufimtsev on Tuesday as part of an online conference.
However, Ufimtsev noted that if a year ago there were a large number of complaints about the availability of services, the inadequacy of payments, the imposition additional services and other things, but now it has practically disappeared. "In any case, according to the same Central Bank, the FAS, and we have the same statistics, now the situation has improved significantly. The quality of the service itself has become higher," he stressed.
CTP AUTHENTICITY WILL BE TIGHTER CONTROL
According to the PCA, now in Russia there are about 2-2.5% of fake OSAGO policies (about one million policies).
“We are a little scared and upset that a person knows that the policy is fake and deliberately buys it,” Ufimtsev commented, recalling that the purchase of fake policies threatens car owners with unnecessary expenses in the form of a fine from the traffic police (800 rubles) and paying out of pocket car repairs the injured party.
In addition, the insurance history is lost, the bonus-malus coefficient (MBM). “This is a very important thing: a person, skipping a year of driving, resets his insurance history, which he earned for many years. And this can be a loss of a discount of 30–40% and even 50%,” he specified.
The PCA is currently developing proposals with amendments to the Code of Administrative Offenses (CAO) in order to hold accountable vehicle owners who knowingly purchase a fake OSAGO policy.
"The car owner bears administrative responsibility. However, it can be difficult to prove that he knowingly bought a fake policy. Because an appropriate evidence base is needed, and there are few cases brought to court. But now changes are being prepared to the law in order to prosecute such violators more effectively ", Ufimtsev explained.
According to him, the changes should be well thought out, since no one is immune from buying a fake policy, and sanctions should be clearly spelled out. "Now all this is under discussion," the expert concluded.
During the online conference, Ufimtsev also said that the presence of an OSAGO policy would be checked by video cameras, which now record violations of traffic rules (SDA). The pilot project, according to him, will be launched in one of the regions (either in Moscow or Kazan) before the end of this year.
Ufimtsev explained that the absence of a policy is the same violation of traffic rules, therefore, when checking a vehicle, these cameras can access the PCA information system and receive data on whether the vehicle has an OSAGO policy or not.
"In the event that you just bought insurance and have not yet had time to enter into the system, there will be a special small transition period for issuing a fine, for example, seven or fourteen days, so that the insurance company has the opportunity to enter the policy into the system," the executive director added. RSA.
CALCULATION OF KBM SHOULD BECOME BETTER
According to Yevgeny Ufimtsev, following the results of the OSAGO reform, the only difficult problem remains - the bonus-malus coefficient, which affects the cost of the OSAGO policy (increasing or decreasing depending on the accident rate in previous periods).
Previously, the PCA and the Bank of Russia have already announced a significant increase in applications from car owners regarding the incorrect calculation of CBM.
“A catastrophic increase in applications according to the calculation of the KBM! Last year, 15 thousand appealed for the whole year. Over the past year, the appeals increased monthly. ... In 2015, 6.5 thousand appeals in July alone,” said Lyudmila Senkina, director of analytical work at the RSA.
According to her, in order to get out of this situation, the RAMI is trying to build work with insurance companies: regional meetings are repeatedly held, relationships are built with large insurers, which provide the bulk of the contracts and the number of applicants.
The Bank of Russia is also involved in solving this problem and regularly holds meetings both with insurance companies and with the management of the RAMI in order to understand what are the main problems in the qualitative calculation of the CBM, what needs to be done to ensure that these problems are resolved and in what are the deadlines.
According to the deputy chairman of the Central Bank Vladimir Chistyukhin, insurers will be fined for poor-quality data entry into the automated database. information system Russian Union of Motor Insurers (AIS RSA). "Currently, the PCA has already made a decision regarding the introduction of certain types of penalties for failure to post information, for failure to post on time, for failure to correct information, and so on," he said.
This should have a serious impact on insurance companies, which will be concerned about better placement of data in this database, Chistyukhin believes. If necessary, fines can be increased.
"A qualitative leap in the calculation of the bonus-malus coefficient can be expected by December this year," the deputy chairman of the Central Bank believes.
E-POLIS OSAGO: POPULARITY IS GROWING
As for the OSAGO e-policy project, in the opinion of the PCA, the start of the second stage of the sale of electronic policies for "autocitizenship" from October 1, 2015 gave impetus to the growth in the popularity of the service.
From October 1, Russian motorists can conclude a new OSAGO agreement via the Internet by issuing an electronic policy (e-policy). Previously, from July 1, 2015, this was only possible with the extension of an already valid compulsory auto insurance contract. Truth, legal entities will be able to purchase e-policies only from July 1, 2016.
According to the PCA, since the start of the project, more than 10.8 thousand OSAGO e-policies have been sold. Since October 1, about 2.5 thousand e-policies have been operating, of which 1.5 are new policies. “Thus, we can state that if before October 1, an average of about 100 policies were sold per day, now this figure exceeds the mark of 300 policies and there is an upward trend from day to day,” comments the president of the All-Russian Union of Insurers (VSS) and PCA Igor Yurgens.
According to him, the issue of service availability has been resolved and consumers now have the opportunity to receive it anywhere in the country, and it is up to them to take advantage of this opportunity or not. The e-polis is most popular in such regions as the Krasnodar Territory, Rostov, Voronezh, Volgograd and Nizhny Novgorod Regions.
About 30 companies have already connected to the e-OSAGO sales system. At the moment, electronic policies are being sold, in particular: AlfaStrakhovanie, VSK, Zetta Insurance, Intouch Insurance, MAKS, Renaissance Insurance, RESO-Garantia, Rosgosstrakh, " Tinkoff Insurance", "Uralsib".
When reprinting and quoting (full or partial), a reference to RIA Novosti is obligatory. When quoting on the Internet, a hyperlink to the site http://ria.ru is obligatory.
CBM directly affects the cost of the OSAGO policy, however, very often due to errors in the PCA or agents who draw up the CBM policy, the CBM is "lost" and the discount disappears because of this. Also, the discount disappears in those moments when drivers get new rights, in this case, you need to upgrade the old rights to the new ones. You can restore a discount or tighten your rights and get your well-deserved KBM using the OSAGO-TO platform. Next I will give step by step instructions how to lower CBM.
Step 1
The first thing to do is go to the start page of the platform and log in or register if you don't have an account yet (by clicking the register button). I will give instructions for a new user. So, go to the registration tab, as in the screenshot below. Fill in the required data and confirm the mail.
Step 2
After confirming the mail, we go through authorization. In the left menu, click on the KBM, and then the application for lowering the KBM. Here we get a message about the lack of funds in the account. Follow the link and replenish the balance. I will note that if the CBM does not decrease, then the funds will be returned to your account, then you can withdraw funds from the account, you don’t have to worry about this.
Step 3
After the account is replenished, go to the left menu on KBM-> Application for a reduction in KBM. Fill in the data on the driver's license and click send application. After that, the application will appear in my applications. The decrease in CBM will occur within 1-3 days. You can click update ticket status. My cost of lowering came out 300 rubles, while the cost of insurance decreased by 2500 rubles.
1. Causes of high BMR
Any novice driver after obtaining a driver's license is considered a potentially dangerous driver, as he does not have a driving experience, and if his age is below 23 years, then doubly so. Therefore, when calculating the cost of an OSAGO policy with such a driver, it will be approximately 2 times more expensive than with a driver whose experience is more than 3 years and is over 23 years old. Let's figure out what is KBM after all? CBM - bonus-malus coefficient - a coefficient that increases or decreases the cost of an OSAGO policy, that is, it determines a discount. Many drivers do not even know that they are destined for a discount for accident-free driving and driving experience. Standard KBM 1 - many agents and insurance companies calculate based on this coefficient. According to the law, if a driver has left for a year without an accident, then the insurance company where this person was insured must submit data about him to the Russian Union of Auto Insurers (RSA), and when concluding the next OSAGO policy, his KBM should be lower by 5% of the cost. And so every year. The maximum discount is 50%. That is, it is necessary to leave for 10 years without accidents. And most importantly, make sure that the insurance company submits data to the PCA about your accident-free record. The main reasons why KBM is not charged:
The first reason is a driver's license change. It should be understood that the insurance company transfers data on all drivers and insurers to the Russian Union of Motor Insurers (RSA). And if, for example, there was a change of rights due to a change of surname for girls, loss, expiration, then the data from the PCA for one reason or another may not be loaded, so you can honestly leave for 10 years without accidents and after that change rights, and find out that after replacing the rights you lost a 50% discount and your CBM became equal to 1.
The second reason may be errors that insurance companies can make when applying for a policy, then it will turn out that you lose the insurance year, so all your discounts are destroyed, since one of the conditions for providing a discount is continuous insurance, and now you have lost the discount again.
The third reason, and this is the main reason for high KBM, is accidents. If you get into an accident, then the KBM increases, it’s like the sanctions that insurance companies apply for accidents that occurred through your fault. It is worth noting here that accidents in which you are not the culprit do not affect your MSC in any way, and at the end of the insurance period you will receive a discount, as if there was no accident.
It is worth noting that, depending on the value of the KBM, the driver is assigned a certain class. That is, if you are insured for the first year, then your class is 3, and then, depending on whether you have an accident or not, your class increases or decreases accordingly.
2. How to lower your BMR
Application for a reduction in KBM
Before submitting, please check that your contact details are correct.
Is it profitable to lower the CBM
To evaluate how profitable it is to lower the BMR, let's look at an example. Let's say you have the 2nd class of KBM, that is, the coefficient itself is 1.4 (for example, you had an accident and your coefficient was increased) and your OSAGO insurance cost was 15,000 rubles. Then you contacted our company, and our employees lowered your KBM by only 1 class and now the coefficient value is 1, then new value insurance will be 10715 rubles! That is, you saved 4285 rubles, you will agree that the money is not small. Moreover, this value of KBM is retained by you, that is, next year the cost of insurance, subject to accident-free driving, will be the same or less!
I think you are convinced that it is profitable to lower the KBM.
Result Guaranteed
How to check our work? - very simply, there are a lot of services for MSC checks in the RSA database. After completing the BMR downgrade procedure, which takes from 1 to 3 business days, you will check your BMR in the database and see that it has really gone down! We are always for the client and value our reputation!
3. What does low CBM do?
Low CBM gives a discount on the cost of OSAGO in any region of Russia and any insurance company. Therefore, it is necessary to ensure that insurers always take into account your CBM and your discount. You can see the values of KBM and classes corresponding to them in the table below. And also according to the table you can calculate the number of years that you need to get this or that discount. But why wait? When can I lower the KBM in our company.
| Class at the beginning of the annual insurance period | Coefficient | 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 the previous OSAGO agreement. | ||||
|---|---|---|---|---|---|---|
| 0 Insurance payments |
1 Insurance payment |
2 Insurance payments |
3 Insurance payments |
4 or more Insurance payments |
||
| M | 2.45 | 0 | M | M | M | M |
| 0 | 2.3 | 1 | M | M | M | M |
| 1 | 1.55 | 2 | M | M | M | M |
| 2 | 1.4 | 3 | 1 | M | M | M |
| 3 | 1 | 4 | 1 | M | M | M |
| 4 | 0.95 | 5 | 2 | 1 | M | M |
| 5 | 0.9 | 6 | 3 | 1 | M | M |
| 6 | 0.85 | 7 | 4 | 2 | M | M |
| 7 | 0.8 | 8 | 4 | 2 | M | M |
| 8 | 0.75 | 9 | 5 | 2 | M | M |
| 9 | 0.7 | 10 | 5 | 2 | 1 | M |
| 10 | 0.65 | 11 | 6 | 3 | 1 | M |
| 11 | 0.6 | 12 | 6 | 3 | 1 | M |
| 12 | 0.55 | 13 | 6 | 3 | 1 | M |
| 13 | 0.5 | 13 | 7 | 3 | 1 | M |
4. Decrease in CBM after an accident
It is highly likely that while driving, you will sooner or later get into an accident in which you will be the culprit. It's quite normal and I think a lot of us have been through it. If you have already experienced this unpleasant moment, then you know that insurance companies impose sanctions after an accident and the cost of insurance increases in the next insurance period. This is due to the increase in CBM. However, few people know that the cost of insurance can be reduced even in this case. We lower the CBM even after an accident. You can check it out by filling out the application above.
5. Prices for the reduction of CBM
The cost of lowering the KBM in our company depends on how many classes you need to lower the KBM. Below is a table to help you evaluate approximate cost services. In cases where the CBM needs to be reduced after an accident, the calculation is performed individually.
If the car owner annually renews OSAGO in the same insurance company, then the KBM is recalculated by the insurer and stored both in its database and in the PCA database. When switching to another insurance company, the data on the KMB will be taken from the PCA database. To ensure their relevance, insurers should submit them to the PCA in a timely manner.
How to restore KBM after replacing rights
However, this does not guarantee the occurrence of errors, both for subjective and technical reasons.
Reasons for canceling the discount
Contacting the Central Bank
Contacting the RSA
The procedure for filing an appeal
After replacing the driver's license, the car owner's KBM may be lost from the database of the Russian Union of Motor Insurers (RSA). This will lead to the fact that when renewing the OSAGO policy, there will be problems with obtaining a discount if these changes were not taken into account in the information resource.
PCA database
The RSA database stores information on all issued OSAGO policies, including information about the KBM of each car owner. It is this coefficient, which depends on the driving experience and the number of accidents caused by the insured, that affects the cost of insurance.
The information contained in the PCA database has a direct impact on the final cost of the OSAGO policy. You can get an approximate estimate of this cost on the official website of the PCA using an online calculator by entering information about the car owner and vehicle. If the discount is lower than expected or not at all, this means that the information in the PCA database may not be up to date, including due to the replacement of a driver's license.
Reasons for canceling the discount
There may be several reasons for the fact that when reissuing OSAGO insurance, the discount is reset to zero, there may be several:
- operator error ( insurance agent), who issued the previous policy, when entering information into the PCA database (incorrect information about the insured - full name, date of birth, details of the driver's license);
- an indication of the driver in the OSAGO policy issued for a new car by relatives (acquaintances) who suggested that he could ever drive their car. In this case, the CBM equal to 1 is automatically entered into the database, that is, there is no discount;
- replacement of a driver's license due to loss or due to expiration. Details of the new document must be entered into the PCA database. If this is not done, then when entering the data of a new driver's license during the reissuance of the policy, it will turn out that there is no information on the client in the database, and he will be assigned a KBM equal to 1;
- the unwillingness of the insurance company to provide a discount for financial reasons, because OSAGO for insurers is unprofitable already at the base cost.
How to keep the KBM when replacing a driver's license
How to restore the OSAGO discount after changing the rights
The application shall indicate the date of replacement, as well as the details (series and number) of the previous driver's license. Based on the results of the appeal, the insurer: 1) issues the CMTPL policy with the amendments to the client; 2) makes changes to the PCA database, ensuring the relevance of the KBM for a driver with new rights.
Where to go when canceling a discount
If, when renewing the OSAGO policy, the car owner did not receive the expected discount, he must take steps to restore the KBM. But before proceeding to solve this problem, it is necessary to establish what caused the discount to be reset to zero.
To restore the KBM, the car owner can contact the insurance company that issued the OSAGO policy, the PCA, the Central Bank of the Russian Federation, private specialists and companies providing services for the restoration of the KBM.
Contacting an insurance company
In order to restore the KBM lost after replacing the driver's license and, accordingly, the discount, the driver should first of all contact the insurance company in which he issued the OSAGO policy the last time before replacing the rights. It is the insurers who must make changes to the PCA database for each driver. This method will be optimal if the driver's license was replaced with a valid policy.
In response to the car owner's request, the insurer enters new details of the driver's license into the OSAGO policy and the database. Some insurance companies allow you to apply for the restoration of KBM via the Internet. On the official website of the insurer, the appeal is formed by filling out a special form. In addition, an application to the insurer can be sent by e-mail addressed to the head of the company.
Contacting the Central Bank
If the problem with the restoration of KBM through the insurance company could not be resolved within a month, then the car owner should contact the Central Bank of the Russian Federation (this body is authorized to supervise the activities of insurers). At the same time, it should be borne in mind that the Bank of Russia does not consider complaints regarding policies that expired earlier than a year ago.
The Central Bank of the Russian Federation cannot itself make changes to the PCA database, but it has the ability to force the insurer to fulfill its obligations.
Contacting the RSA
Contacting the PCA becomes relevant if it was not possible to solve the problem through the insurance company and the Central Bank of the Russian Federation. Citizens' appeals are sent through the corresponding page of the official website of the RAMI. There are also standard application forms.
The procedure for filing an appeal
To resolve the issue of restoring the KBM, the car owner must contact the insurance company (Central Bank of the Russian Federation, RSA) and:
- register the application in the office (with the secretary);
- submit an application for recalculation and return of money overpaid for the OSAGO policy (if any);
- expect a response within thirty days;
- upon receipt of a refusal to satisfy a request, apply to the Central Bank of the Russian Federation, the RSA, and if a solution to the problem has not been found, then to the court.
To restore the KBM, the following must be submitted:
- OSAGO policies (current and previous);
- certificate-confirmation of accident-free driving;
- a copy of the new driver's license;
- details of the previous driver's license.
After replacing the driver's license, the car owner's KBM may be lost from the database of the Russian Union of Motor Insurers (RSA). This will lead to the fact that when renewing the OSAGO policy, there will be problems with obtaining a discount if these changes were not taken into account in the information resource.
PCA database
The RSA database stores information on all issued OSAGO policies, including information about the KBM of each car owner. It is this coefficient, which depends on the driving experience and the number of accidents caused by the insured, that affects the cost of insurance.
If the car owner annually renews OSAGO in the same insurance company, then the KBM is recalculated by the insurer and stored both in its database and in the PCA database. When switching to another insurance company, the data on the KMB will be taken from the PCA database.
To ensure their relevance, insurers should submit them to the PCA in a timely manner. However, this does not guarantee the occurrence of errors, both for subjective and technical reasons.
How to save KBM when changing rights
You can get an approximate estimate of this cost on the official website of the PCA using an online calculator by entering information about the car owner and vehicle. If the discount is lower than expected or not at all, this means that the information in the PCA database may not be up to date, including due to the replacement of a driver's license.
Reasons for canceling the discount
There may be several reasons for the fact that when reissuing OSAGO insurance, the discount is reset to zero, there may be several:
- error of the operator (insurance agent), who issued the previous policy, when entering information into the PCA database (incorrect information about the insured - full name, date of birth, details of the driver's license);
- an indication of the driver in the OSAGO policy issued for a new car by relatives (acquaintances) who suggested that he could ever drive their car. In this case, the CBM equal to 1 is automatically entered into the database, that is, there is no discount;
- replacement of a driver's license due to loss or due to expiration. Details of the new document must be entered into the PCA database. If this is not done, then when entering the data of a new driver's license during the reissuance of the policy, it will turn out that there is no information on the client in the database, and he will be assigned a KBM equal to 1;
- the unwillingness of the insurance company to provide a discount for financial reasons, because OSAGO for insurers is unprofitable already at the base cost.
How to keep the KBM when replacing a driver's license
It is both possible and necessary to save the previously assigned KBM when replacing a driver's license. The car owner is obliged to take care of this himself by contacting the insurance company with an application to replace the document. The application shall indicate the date of replacement, as well as the details (series and number) of the previous driver's license. Based on the results of the appeal, the insurer: 1) issues the CMTPL policy with the amendments to the client; 2) makes changes to the PCA database, ensuring the relevance of the KBM for a driver with new rights.
Where to go when canceling a discount
If, when renewing the OSAGO policy, the car owner did not receive the expected discount, he must take steps to restore the KBM. But before proceeding to solve this problem, it is necessary to establish what caused the discount to be reset to zero.
To restore the KBM, the car owner can contact the insurance company that issued the OSAGO policy, the PCA, the Central Bank of the Russian Federation, private specialists and companies providing services for the restoration of the KBM.
Contacting an insurance company
In order to restore the KBM lost after replacing the driver's license and, accordingly, the discount, the driver should first of all contact the insurance company in which he issued the OSAGO policy the last time before replacing the rights. It is the insurers who must make changes to the PCA database for each driver. This method will be optimal if the driver's license was replaced with a valid policy.
In response to the car owner's request, the insurer enters new details of the driver's license into the OSAGO policy and the database. Some insurance companies allow you to apply for the restoration of KBM via the Internet. On the official website of the insurer, the appeal is formed by filling out a special form. In addition, an application to the insurer can be sent by e-mail addressed to the head of the company.
Contacting the Central Bank
If the problem with the restoration of KBM through the insurance company could not be resolved within a month, then the car owner should contact the Central Bank of the Russian Federation (this body is authorized to supervise the activities of insurers). At the same time, it should be borne in mind that the Bank of Russia does not consider complaints regarding policies that expired earlier than a year ago.
The Central Bank of the Russian Federation cannot itself make changes to the PCA database, but it has the ability to force the insurer to fulfill its obligations.
Contacting the RSA
Contacting the PCA becomes relevant if it was not possible to solve the problem through the insurance company and the Central Bank of the Russian Federation. Citizens' appeals are sent through the corresponding page of the official website of the RAMI. There are also standard application forms.
The procedure for filing an appeal
To resolve the issue of restoring the KBM, the car owner must contact the insurance company (Central Bank of the Russian Federation, RSA) and:
- register the application in the office (with the secretary);
- submit an application for recalculation and return of money overpaid for the OSAGO policy (if any);
- expect a response within thirty days;
- upon receipt of a refusal to satisfy a request, apply to the Central Bank of the Russian Federation, the RSA, and if a solution to the problem has not been found, then to the court.
To restore the KBM, the following must be submitted:
- OSAGO policies (current and previous);
- certificate-confirmation of accident-free driving;
- a copy of the new driver's license;
- details of the previous driver's license.
Change of KBM when changing a driver's license
After replacing the driver's license, the car owner's KBM may be lost from the database of the Russian Union of Motor Insurers (RSA). This will lead to the fact that when renewing the OSAGO policy, there will be problems with obtaining a discount if these changes were not taken into account in the information resource.
PCA database
The RSA database stores information on all issued OSAGO policies, including information about the KBM of each car owner. It is this coefficient, which depends on the driving experience and the number of accidents caused by the insured, that affects the cost of insurance.
If the car owner annually renews OSAGO in the same insurance company, then the KBM is recalculated by the insurer and stored both in its database and in the PCA database. When switching to another insurance company, the data on the KMB will be taken from the PCA database. To ensure their relevance, insurers should submit them to the PCA in a timely manner. However, this does not guarantee the occurrence of errors, both for subjective and technical reasons.
The information contained in the PCA database has a direct impact on the final cost of the OSAGO policy. You can get an approximate estimate of this cost on the official website of the PCA using an online calculator by entering information about the car owner and vehicle. If the discount is lower than expected or not at all, this means that the information in the PCA database may not be up to date, including due to the replacement of a driver's license.
Reasons for canceling the discount
There may be several reasons for the fact that when reissuing OSAGO insurance, the discount is reset to zero, there may be several:
- error of the operator (insurance agent), who issued the previous policy, when entering information into the PCA database (incorrect information about the insured - full name, date of birth, details of the driver's license);
- an indication of the driver in the OSAGO policy issued for a new car by relatives (acquaintances) who suggested that he could ever drive their car. In this case, the CBM equal to 1 is automatically entered into the database, that is, there is no discount;
- replacement of a driver's license due to loss or due to expiration. Details of the new document must be entered into the PCA database. If this is not done, then when entering the data of a new driver's license during the reissuance of the policy, it will turn out that there is no information on the client in the database, and he will be assigned a KBM equal to 1;
- the unwillingness of the insurance company to provide a discount for financial reasons, because OSAGO for insurers is unprofitable already at the base cost.
How to keep the KBM when replacing a driver's license
It is both possible and necessary to save the previously assigned KBM when replacing a driver's license. The car owner is obliged to take care of this himself by contacting the insurance company with an application to replace the document. The application shall indicate the date of replacement, as well as the details (series and number) of the previous driver's license. Based on the results of the appeal, the insurer: 1) issues the CMTPL policy with the amendments to the client; 2) makes changes to the PCA database, ensuring the relevance of the KBM for a driver with new rights.
Where to go when canceling a discount
If, when renewing the OSAGO policy, the car owner did not receive the expected discount, he must take steps to restore the KBM. But before proceeding to solve this problem, it is necessary to establish what caused the discount to be reset to zero.
To restore the KBM, the car owner can contact the insurance company that issued the OSAGO policy, the PCA, the Central Bank of the Russian Federation, private specialists and companies providing services for the restoration of the KBM.
Contacting an insurance company
In order to restore the KBM lost after replacing the driver's license and, accordingly, the discount, the driver should first of all contact the insurance company in which he issued the OSAGO policy the last time before replacing the rights.
It is the insurers who must make changes to the PCA database for each driver. This method will be optimal if the driver's license was replaced with a valid policy.
In response to the car owner's request, the insurer enters new details of the driver's license into the OSAGO policy and the database. Some insurance companies allow you to apply for the restoration of KBM via the Internet. On the official website of the insurer, the appeal is formed by filling out a special form. In addition, an application to the insurer can be sent by e-mail addressed to the head of the company.
Contacting the Central Bank
If the problem with the restoration of KBM through the insurance company could not be resolved within a month, then the car owner should contact the Central Bank of the Russian Federation (this body is authorized to supervise the activities of insurers). At the same time, it should be borne in mind that the Bank of Russia does not consider complaints regarding policies that expired earlier than a year ago.
The Central Bank of the Russian Federation cannot itself make changes to the PCA database, but it has the ability to force the insurer to fulfill its obligations.
Contacting the RSA
Contacting the PCA becomes relevant if it was not possible to solve the problem through the insurance company and the Central Bank of the Russian Federation. Citizens' appeals are sent through the corresponding page of the official website of the RAMI. There are also standard application forms.
The procedure for filing an appeal
To resolve the issue of restoring the KBM, the car owner must contact the insurance company (Central Bank of the Russian Federation, RSA) and:
- register the application in the office (with the secretary);
- submit an application for recalculation and return of money overpaid for the OSAGO policy (if any);
- expect a response within thirty days;
- upon receipt of a refusal to satisfy a request, apply to the Central Bank of the Russian Federation, the RSA, and if a solution to the problem has not been found, then to the court.
To restore the KBM, the following must be submitted:
- OSAGO policies (current and previous);
- certificate-confirmation of accident-free driving;
- a copy of the new driver's license;
- details of the previous driver's license.
