More and more car owners are faced with unpleasant problems when buying an OSAGO policy: due to the fact that the PCA database contains an incorrect CBM (bonus-malus coefficient), insurance is considered without a discount for accident-free. As a result, the motorist is forced to pay for someone's mistakes out of his own pocket. To how to fix KBM in the AIS RSA database?

Wrong KBM OSAGO?!

• Mistakes on the part of insurance companies - entering into the database incorrect KBM values;
• Technical problems that arose during the transfer of data from the insurance company to the AIS RSA;
• Errors on the side of the PCA automated information system

I hope that my story will help you correct the annoying mistake! So…

KBM error in the RSA database ... or how not to become a "deer"

The modern pace of life in large metropolitan areas dictates its own, sometimes tough, rules of the game. At the same time, competition forces viable representatives of the terrestrial fauna to devour the weak and spineless. And if we remember that it is competition that underlies the development and evolution of all living creatures on the planet, then no one has yet canceled the struggle for food, for a female and territory. That is why, tired, often ill and always aching representatives of Homo sapiens - hypochondriacs, become victims of competition among people. They are eaten by stronger and more aggressive individuals. How a mistake in the value of KBM in the PCA database can make you a “deer”.

Without an OSAGO policy ... or without a piece of paper - you are an insect

It all started with an unexpected, but banal meeting with the "looking" for our district glade - a large and very experienced hunter - a traffic police inspector. I confess, I did not have time to understand what stopped me - the paralyzing look of the guardian of order or the swing of his heavy combat club.

Hitting the brakes, I obediently parked on the side of the road, next to a branchy birch. After a brief acquaintance with my rights to move along forest paths - documents for the right to drive a vehicle, I was recommended to pay special attention to the fact that the hunting season for “deer” with an expired OSAGO policy has begun, which strive to eat juicy reindeer moss on its edge of the forest .

His words about the beginning of the hunting season for the noble representatives of the forest brethren caused a sharp release of adrenaline into the blood, which made my heart beat faster - the animal instinct of self-preservation turned on. Thoughts ran through my head: “Run or give up?”

I pulled myself together - I had no desire to become an easy trophy. Enlightenment came from stress - I remembered that before the expiration of the policy, I still had a whole week left. Therefore, I thanked the inspector for his attentiveness and retired. But my misadventures did not end there!

Wrong KBM in the office of an insurance company ... or a "deer" in a wolf's den

Days filled with worldly bustle flew by unnoticed. Like all normal "deer people", I remembered the impending thunderstorm one day before the expiration of my OSAGO policy. What to do? Where to run? I can be left without my favorite vehicle on wonderful forest paths! In addition, my neighbor, a "seal", spread a rumor through the forest that my purchase would be 40% more expensive than last year's price, since the Central Forest Bank increased the cost of OSAGO - a crisis in the insurance industry!

Of course, I was upset by the rumors about the increase in the forest dues for the mandatory insurance policy, but I have accumulated a discount for accident-free driving (KBM) for five years!

What was my surprise when I got to the office of the most famous insurance company in our forest under the sonorous name "Wolf's Lair".

I dutifully stepped into someone else's territory, what can you do, such is the Forest Law! Without a piece of paper - you are a bug, but with a piece of paper - "not a deer." At the office of the insurance company, I was met by a young, but experienced she-wolf. Quickly fingering the computer keys with her claws, the young lady summarized: “You don’t have discounts in the PCA database!”

And she is waiting for full payment right here and now!

“This is outrageous, how are there no discounts?” I exclaimed in fright and was dumbfounded. Obviously, not hiding her irritation, the bristling representative of the canine species growled: “I told you that you don’t have discounts on the basis of the RSA (Russian Union of Insurers)! - Your BMR (bonus-malus ratio) is 1. - Pay full price for your insurance, period! I was indignant for a long time, tried to switch to barking, but the “deer” did not succeed very well, so my actions did not have the desired effect.

Of course, I could buy a CMTPL policy at an inflated price, but greed made me look into this issue!

What should be done to correct the OSAGO KBM in the RSA AIS database?

• Double-check your KBM value in the AIS RSA database.

Very often, many motorists are faced with the fact that unscrupulous insurance agents are cheating in order to get a higher fee for the issued OSAGO policy. Make it very easy! To do this, you do not have to go to the office of the insurance company. The request is made online, and the result of the check is displayed on the monitor screen - 100% accuracy guarantee!

• File a claim with your insurance company

It is important to know that any changes and corrections of incorrect (erroneous) BMF values ​​must be made by the insurance company with which you have concluded an agreement compulsory insurance auto civil liability - OSAGO. That is, changes to the AIS RSA database are loaded only by insurers.

Therefore, you need to write an application to “your” insurance company, the policy of which is in your hands, with an application to correct the incorrect value of the KBM. You need to prepare the following documents:

1. An application in any form with a request to change the incorrect value of the KBM in the AIS RSA database, where you need to specify the following data:
   • Date of birth of the applicant;
   • The number of the current OSAGO policy;
   • Number of the previous OSAGO policy;
   • The essence of the appeal to the insurance company
2. A scanned copy of the OSAGO policy with the correct CBM value, which was previously issued by this insurer.
3. Copy driving license, scanned on both sides

What to do if there is no way to apply to the insurance company?

If you are faced with the problem of unavailability of the insurance company in which you previously purchased the OSAGO policy, then we recommend that you contact the Russian Union of Motor Insurers.

Since August 8, 2002, the Russian Union of Motor Insurers (RSA) has been operating in our country. One of the main areas of work of the RAMI is the protection of the rights of policyholders and victims in the framework of the compulsory motor third party liability insurance of drivers - OSAGO.

So when you got to difficult situation with OSAGO, you need to contact this all-Russian professional association. In order to correct the incorrect value of the KBM used when calculating the cost of OSAGO, you need to send an official request with a corresponding request to the Russian Union of Motor Insurers (RSA).

Sample application for the restoration of KBM in the PCA

To quickly fill out and send your claim against the actions of the insurance company to the Russian Union of Motor Insurers (RSA), download and print the official application form for the restoration of KBM OSAGO on the Insuri website.

How to write an application for the correction of KBM in the PCA

To get started, you need to print a sample application on a printer. After that, the form must be carefully filled out in any form, indicating the following data:

• Date of birth of the applicant;
• Series and number of the applicant's driver's license;
• Date of issue of the applicant's driver's license;
• Series and number of the passport of a citizen of the Russian Federation;
• No. of the current OSAGO policy;
• No. of the previous OSAGO policy;
• The essence of the appeal to the RSA

The essence of the appeal to the RSA is a request to enter the correct data and value of your OSAGO KBM into the database of the automated information system of the Russian Union of Motor Insurers (AIS RSA).

What documents to attach to the application to the RSA

What documents to attach to the application to the RSA KBM OSAGO

• As confirmation of your correctness, we advise you to attach to the application to the PCA a scanned copy of the OSAGO policy / policies of previous periods of insurance, in which the correct value of KBM was indicated;
• Be sure to attach a copy of your driver's license scanned on both sides to the application to the PCA;
• If it is necessary to check the application of the CBM in relation to another driver indicated in the current OSAGO policy, where you are the insured, it is necessary to indicate in the application the full name, date of birth and information about the driver’s license of this driver, submitting a copy of the driver’s license to the PCA;

Where to send an application for the restoration of KBM

You can send an application to restore the correct value of OSAGO KBM in the following official ways:

1. To instantly send your application to the Russian Union of Motor Insurers, there is an official electronic mailbox of the PCA for receiving scanned copies of the application and related documents for the restoration of the OSAGO KBM:

2. If you live in Moscow, then the entire set of documents can be taken in person or delivered by courier to the address: 115093, Moscow, st. Lyusinovskaya, 27, building 3

Please note that documents are accepted according to the following schedule: Tuesday - from 15-00 to 18-00 Thursday - from 9-00 to 12-00

3. Also, the application can be sent by post with acknowledgment of receipt to the address: 115093, Moscow, st. Lyusinovskaya, 27 building 3

How to call the Russian Union of Motor Insurers

For a phone call and advice regarding the restoration of the correct value of the OSAGO KBM, you can contact the toll-free all-Russian telephone number of the PCA Hotline.

Today, various types of incentives for accident-free driving are provided, which include a discount on the cost insurance policy OSAGO, expressed by the bonus-malus coefficient (MBM). That is, the better the motorist observes the rules of the road and the longer it goes without accidents, the higher this coefficient, which means the greater the discount under the OSAGO agreement. KBM is located in the RSA database and sometimes for some reason may disappear. Consider how to restore KBM in the PCA database quickly and easily.

If the disappearance of the KBM is detected, it is necessary to find out the cause and date of the event, this will greatly facilitate the elimination of the error.

The disappearance of KBM from the database can be for the following reasons:

• When changing rights.
• When any personal information changes.
• If there is an error during the execution of the policy.
• Failure to provide final information by the insurer.
• Company closure.

If you constantly monitor the correctness of the introduction of KBM, then you can minimize the risks and errors.

How to find out KBM on the PCA database?

All information about the KBM is stored in a single RSA database. To check, you need to go to the site page and fill out the proposed form.

Filling out this form is easy. You can enter the current number in the contract validity date field. Then enter the captcha and "Search". The system will then take you to the database page.

If the coefficient coincides with the theoretical calculation, then you don’t have to worry. In case of deviations or if the discount has disappeared, you should immediately start restoring it.

Ways to restore KBM in the PCA database

There are several options that you can use

Option 1. Through an appeal to the Central Bank of Russia

Then fill out the form:

• We go down the page to the point " Insurance organizations».
• Select OSAGO.
• Indicate the topic "Incorrect use of KBM".

Fill in the form fields

Attention! To confirm the complaint, you must attach a scan of the insurance policy with the wrong KBM, a Certificate of no insurance payments.

The e-mail will receive the necessary information about the progress of consideration of the application and subsequent results.

Option 2. Through an appeal to the insured

Contact in writing directly to the insured who made the mistake. He is obliged to correct and recalculate the KBM. The procedure is as follows:

• Write an application (2 copies) and ask to change the KBM, providing as evidence a copy or a scan of the previous existing policy, you can also attach certificates of no payments from other companies.
• Take the package of documents to the insurance company. The contract must be valid at the time of application.

• Make sure the secretary registers the application correctly. The second certified copy remains with the owner of the car.

It's important to know! If the insured company refused to accept the application, then it must be sent by registered mail with notification.

The application is considered ten days. After the specified period, check the KBM, and if no changes are made, then you should call the company and state your problem. As a rule, the problem is solved without additional requests, while providing all the information in the first place.

Option 3. Through PCA

This method sometimes does not give the desired result, so many refuse it, but it does not hurt to try it. It is believed that PCA has no right to interfere with its database for changes to the MSC. However, on the official website of the Union of Motor Insurers there is an opportunity to apply for the restoration of the KBM discount on OSAGO. When liquidating an insurance company in which a policy was previously issued, this method is the only one, since in the absence of a company there is nowhere to write an appeal.

To restore the KBM, you need to go to the PCA website. On this resource, you can download the form form and send it to the mail [email protected]. When filling out the document, all personal information, data on existing and former rights in the event of an exchange must be indicated. It is necessary to explain the reasons why you think that the MSC is calculated incorrectly, and put a signature that is permission to process the data. The following additional references are attached to the document (if possible, copies or scans):

• A copy of the driver's license on both sides.
• Copy of passport (important pages).
• Copies of documents (preferably scans) that will confirm your case.

Additional documents may include:

• All existing copies that were issued before and confirm the accident-free driving.
• Already expired policies with information about KBM.
• A certificate from the traffic police (if any) confirming the accident-free driving of a car.
• A copy of appeals to the insurance company, if there was a refusal.

With the careful and correct implementation of all recommendations and confirmation of the correctness of your calculation, the KBM will be restored and recalculated.

If you have additional questions and clarifications, you can go to the above link to the official website of the RSA and call the free hotline. There you can also find out the postal address and send documents by mail, after downloading the application form.

Option 4. Through Rosgosstrakh

If insurance is through Rosgosstrakh, then you need to find the "Feedback" section and send an appeal, indicating "complaint against KBM for OSAGO." This is the fastest way to solve the problem. Fill in all the fields given from the OSAGO policy. Indicate the branch where the contract was drawn up (you can find out these parameters from the print on the document). Upload and attach scanned documents. Then send the entire package of documents and wait for the results. If you can't access the "Feedback" section, please register on the site.

Option 5. Through contacting an insurance broker

If the deprivation of the discount was not due to an accident through your fault, then you can ask the insurance broker to restore the coefficient for a separate fee. FROM a high degree Chances are he'll do it all by himself.

What to do if you change your driver's license?

When changing the certificate, the bonus can be returned through the Internet portal of the insurance company or directly when visiting the office where the insurance was issued. If, due to inexperience, when replacing a certificate, OSAGO insurance was issued without discounts (although they should be), then you need to contact the company so that the manager recalculates. After verification, the excess amount will be returned.

What to do if the surname has changed?

When changing their surnames, girls have to make adjustments to all documents, including information in the PCA database. To do this, an application is filled out and a package of documents is attached to it, which is sent via the Internet or when visiting the company's office.

Some nuances of KBM

Before you sign a policy, you need to check everything carefully. It does not hurt with a long driving experience to make a preliminary calculation possible discount. It is not uncommon for insurance agents to make mistakes in their favor and the cost of OSAGO is much higher. If an error is found immediately or after some time, you should contact the company and ask for changes on a new form. Manual changes with certified seals are not allowed.

In the event of the disappearance of the insurance company and KBM from the database, it is necessary to restore all indicators on the basis of the current contract by downloading the application form and providing a package of documents, as mentioned above.

1. Saving all available CMTPL forms will help to quickly solve emerging problems with KBM.
2. Constantly monitor the discount on the PCA website, for this go to OSAGO, enter your personal data, ID number. You get the discount value almost instantly.
3. If you find that the discount was lost several years ago, it can always be restored in any way considered.

Conclusion

By regularly checking the KBM for OSAGO, you can save a lot of money on insurance. In case of detection of an error, you must immediately contact the relevant organizations.

There are such unpleasant situations when, when applying for an OSAGO policy, you understand that it costs much more than it was last year.
Moreover, the situation becomes unpleasant precisely because the old insurance is coming to an end, and the change is reported upon registration with the insurance. So you need restore KBM

What to do?

It is necessary to restore your previous level of CBM in order not to overpay for the policy more than necessary.

How to return the previous value of KBM?

There are two ways: fast and long

A quick way to restore KBM

If your insurance ends just a few days ago, then we recommend that you use our KBM recovery service. You only need to pay for the service in the amount of 450 rubles and indicate your data:

• series and number of the passport
• phone number
• Date of Birth
• series and serial number
• e-mail

24 hours after the submission of the application, the level of your MSC will be restored to the previous value. And since we work through the PCA database, all changes will be visible when applying for an OSAGO policy the very next day. And this will help you get insurance faster without any hassle.

Long way to restore KBM

It is suitable for those who have time to collect the necessary documents and go to the insurance.

What needs to be done to restore the KBM yourself?

1. To begin with, it is necessary to determine from what moment, namely from which policy and which company the KBM was reset or changed. To do this, on the page for checking the KBM for several queries, we determine the changes in the KBM by months for several years until we find the desired policy.
2. We save requests for changes to your CBM for several years in electronic form for subsequent sending a complaint to the insurance company (we determine the dates of the requests and which insurance company changed the discount: this can be seen from the request - let's say you had 06/01/2018 CBM = 0.6, and 06/02/2018 has already become 1.0).
3. It is advisable to find old insurance policies from two or three years ago, you can even those policies where you appear as drivers of other cars: in them you can find in special marks what kind of KBM or class you had. Make copies of everything you find.
4. Next, you need to send a complaint to the insurance company, the PCA and the Central Bank of the Russian Federation. For a complete set, you can also send complaints to the Consumer Protection Society, Rospotrebnadzor, FAS, but this is not necessary. If the insurance company went bankrupt, then only in the PCA and the Central Bank.

1. We are waiting for a response to your e-mail within a month. If they do not answer, then only the court will continue.
2. If several policies have already passed since the reset of the KBM in different companies, you will have to repeat everything for each subsequent company along the entire chain after correcting the KBM of the previous one.

I restored the KBM. What to do next?

Make changes to the KBM in all current policies. It is important! Even if this does not affect the cost of the OSAGO policy. If this is not done, after the expiration of the policy, your restored KBM will be lost. To do this, contact your insurance company (or several, if you have several policies from different insurance companies) and write "Application for changes to the policy due to incorrectly applied KBM." To be sure, you can print the result of the KBM query in advance

In most cases, motorists are wondering how to restore the KBM in the PCA database when drawing up an OSAGO agreement. KMB (bonus-malus coefficient) - a discount for accident-free driving, which reduces the cost of an OSAGO contract. How more years car enthusiast drives without accidents, the greater the discount. For a number of reasons, the discount in the unified PCA database may disappear. It seems to be hard to restore. In fact, this is a myth, everything is very simple if you follow simple tips.

Reasons for missing a discount

The first thing to do is to identify the reason for the disappearance of the discount in the unified PCA database and. If the reason is known, it will not be difficult to restore the KBM under OSAGO.

The discount may disappear as a result of:

• Change of driver's license (the most common reason);
• Change of personal data (change of surname);
• The insurance company, following the results of the year, did not provide information to the PCA;
• The insurance manager made a mistake during registration and sent incorrect data to the database (a typo in personal data);
• When entering into another insurance policy, agents equate discounts to the initial class and upload this information to single base;
• The insurance company has closed.

Check KBM

How to return a bonus when changing a driver's license

There are two options for restoring the bonus for accident-free driving: via the Internet, or in person at the office of the insurance company. Since the insurance market leader is PJSC SK Rosgosstrakh, many car owners, in case of loss of a bonus, turn to this company.

Recovery at the office of the insurance company

If you decide to restore the KBM in Rosgosstrakh, then you need to contact Main office, which is represented in the region. You will need to have the originals of the following documents with you: passport, driver's license, insurance policy (in which the old driver's license is indicated) and write a free-form application addressed to the director.

After the application is completed, contact the secretary, provide all documents and ask to register it. Based on the results of the appeal, you should have an application for the restoration of the KBM in the PCA (copy), with a mark of acceptance.

After accepting the application, the representative of the insurance company is obliged to change the information and notify the insured about changes in the information in the unified RSA database.

Restoring a discount through PCA

You can send an application to the insurance company for the restoration of KBM via the Internet. To do this, you need to go to the official website of the RSA, in the section "Contact the RSA". In this section, everyone can download the application form, fill it out and send it to the email address [email protected] for consideration. It is important that all fields of the application are filled in in detail and correctly. You will need to attach a copy of the driver's license on both sides of the application.

If you need qualified assistance to restore the bonus malus in OSAGO through the PCA website, you can call free service support, by phone 8-800-200-22-75. Competent specialists will answer all your questions and help in as soon as possible solve the problem with the restoration of the bonus.

Restoring discounts through the website of the insurance company Rosgosstrakh

Drivers who were insured by the Rosgosstrakh insurance company can restore the KBM coefficient through the official website http://www.rgs.ru. Thanks to the site, it is not only possible to restore a discount quickly, but also simply. All you need is to go to the "Feedback" section and write an appeal. The type of appeal must be selected - “complaint against KBM under CMTPL”.

After that, it remains only to correctly fill in the required fields, without which the complaint to Rosgosstrakh will not be sent. The complaint indicates the series and number of the OSAGO policy. It is also important to indicate the branch in which the contract was issued (the name of the branch is indicated on the round seal, in the lower right corner). If possible, this agreement and driver's license should be photographed and uploaded to a special section. After filling in all the fields, it remains to send the appeal and wait for the results of the consideration.

Bonus refund when changing personal data

In practice, when a girl gets married, they take the name of their spouse and change all documents: passport, car documents and driver's license. It is not enough to change the documents, you need to change the KBM coefficient in the unified PCA database and transfer the discount to new personal data.

To save the discount, you will also need to fill out an application, attach a full package of documents to it and send it via the Internet, or take it personally to the representative office of the insurance company. According to current law the policyholder must immediately make changes and notify the insurance company of any changes. If everything is done on time, then there will be no problems with discounts.

Mistakes that are costly

The human factor has not yet been canceled. Everyone makes mistakes, and insurance companies are no exception. There are a lot of clients who wish to receive the coveted policy. A company specialist, when filling out an application and filling out a form, may make a mistake and incorrectly send information to the PCA database.

Most The best way to avoid this is to carefully check all fields insurance form before signing it. But if the error is discovered later, you should immediately contact the manager of the insurance company and ask for changes. You only need to have your passport and insurance policy with you. It is important that only the policyholder can make changes under the current contract.

The insurer must provide a sample application for entering information and issue a new form with correct data. It is not allowed to make changes with your own hand on the reverse side of the policy and certify with a seal.

No insurance company and discounts

Insurance companies disappear from the market like mushrooms. What should I do if the company that did not provide information to the single PCA database is closed? Is it possible to restore KBM in RSA on your own? These questions torment many motorists who find themselves in an unpleasant situation.

The main thing is not to despair and give up. Even in such a situation, it is possible to restore the KBM after replacing the rights or losing the discount. The main thing is not to wait until the contract ends. To restore the earned bonus, you will need to download the application form to the PCA for the restoration of the KBM and send it through the website.

Don't wait to be reviewed minimum terms. As a rule, the PCA officer will request additional information, and check the statistics on the driver, for the last year.

Registration without discounts

What if you received a new driver's license, but did not have time to edit the discount in a single database? When drawing up a new contract, managers cannot independently change the information in the PCA database and accept insurance for class 3 (without discounts).

If a car enthusiast changed his rights, did not know how to restore the CBM and issued an OSAGO without discounts, then he can count on a refund of the overpaid insurance premium. After drawing up the contract, you need to write an appeal on the PCA website, wait until the information is changed, and contact the insurance company with a request to recalculate.

The manager of the insurance company is obliged to accept the application, check the KBM data in the database, reissue the insurance policy and prepare an order for the return of the erroneously paid amount.

To quickly solve the problem with discounts, you should keep all OSAGO forms. If you have documents for all years, you can quickly restore the discount.

You can control the discount yourself. To check, you should go to the official website of the PCA, visit the "CTP" section, which provides information for the insured. To check the bonus, you will need to enter personal data: full name, date of birth and driver's license number. Checking the KBM is carried out within a minute. It turns out that in real time you can find out the current class using a single system.

It is necessary to know that Central bank controls the activities of insurance companies, but does not contribute to making changes to the data in the unified database of the PCA. No need to write a complaint to the Central Bank if the discount is gone.

Even if you lost the discount a few years ago, you can restore it in any convenient way listed. At the same time, after the bonus is restored, you can send an application to the insurance company for the return of the excess insurance premium.

Updated: 07/29/2019 5326

How to restore KBM - 3 ways. Step-by-step instruction

Hello dear readers! I am with you again, Ilya Kulik, and today I will tell you how to restore the KBM of your motor citizen.

After the two-fold increase in OSAGO tariffs by the bonus-malus coefficient (MBM), drivers began to pay much more attention than before, when insurance was almost a penny. Now the majority of motorists take into account the KBM discount in their budget and, accordingly, make more efforts to increase the insurance class.

However, often, after the next insurance, when replacing rights and in some other cases, the value of the KBM, after rechecking it, turns out to be unreasonably high, which automatically increases the cost of the policy.

This is of no use to you, is it?

With the help of the tips in this publication, you can restore your KBM points and even return the money unfairly overpaid to insurers.

Sometimes, when renewing a motor vehicle citizen, drivers find that the amount of the payment has unreasonably increased, and the discount does not correspond to the accumulated class and KBM: it has not increased to the expected value, has sharply decreased or disappeared altogether.

In this regard, you should know in advance that since July 2014, information on the previous insurance period, for the correct calculation of the KBM and the insurance class of the driver, is taken exclusively from the base common to all insurance companies (IC).

AIS RSA base (Automated Information system Russian Union of Motor Insurers) may contain data inaccuracies of various origins, leading to subsequent incorrect calculations.

But you should keep in mind that most often the driver simply misunderstands the principles of calculating the BMR - which is not a real mistake, but a misunderstanding. That is, if a mistake is suspected, the policyholder should not exclude himself from the circle of alleged reasons. After all, the human factor must always be taken into account, right?

Possible reasons for reducing discounts that are not related to errors

Registration of unlimited OSAGO

You should be aware that if the previous insurance was ordinary (with a limited list of drivers), then according to the established rules, all previously accumulated insurance points are taken into account only if you use the same vehicle(TS).

That is, when applying for this insurance, the full name of the driver and his vehicle (make / model, VIN code, etc.) must fully match those indicated in previous policies. In this case, you will retain classiness and KBM. Otherwise (for example, when buying a new car), your class will be reset to the standard third (CBM = 1).

Multiple vehicle license

If the driver is included in other OSAGO policies, then his accumulated points may not be taken into account in them in accordance with their values ​​if they are higher than someone else's specified in the same policy.

Different policies, even those belonging to the same driver for different cars, may have different discount points (CBM, classes), depending on what points the entered drivers have.

General rule: in insurance with several drivers allowed to drive, the value of CBM is taken from the driver with the smallest one. Today, with the introduction of a common AIS database, it will not be possible to hide the fact that a driver is included in another insurance (for example, by changing the insurer).

Let me give you an example: Husband and wife each have a car. The husband has a BMR = 0.5 (maximum), while the wife has only 0.95. The wife is included in her husband's insurance policy. Therefore, the cost of the policy for the spouse and his car will be calculated in accordance with the wife's MSC - not 0.5, but 0.95.

Termination of the insurance period and making changes to the policy

As you know, the driving insurance experience is accrued on the basis of the continuity of accident-free driving (for a full 12 months) and a break in it for a period of more than a year leads to the reset of accumulated insurance points.

Insurance points increase by 5% discount annually (assuming accident-free driving), but this increase is not accrued when purchasing insurance for a period of less than 12 months and when making changes to the policy (for example, allowing another driver to drive the vehicle).

Common Causes of Most Errors

Change of driver's license

This is a very common reason that leads to incorrect calculation of points by the insurer. The blame here lies mostly with the driver, because the rights are a personal document, with all the responsibility that comes with it.

Most often, the rights of a woman are changed (when changing their surname), they usually forget to follow the rule: if the driver has changed his rights, he is obliged to notify his insurer about this. Oh those women...

As a result, during the next insurance, the information provided by the new insurer will lead to a discrepancy with the old ones available in the PCA database.

And this will lead not only to an error, but in general to a completely legal beginning of a new insurance history, because according to the AIS RSA, this driver will be considered a different person.

Liquidation of an insurance company

If the insurance company is liquidated (for example, due to bankruptcy, license revocation, etc.) before it has transferred your data to the AIS system, then, naturally, there will be a gap in the insurance period, which can lead to loss of points.

Entering your data into the AIS database must be carried out on a mandatory basis at the end of each insurance year and this is the prerogative of the insurers, and not the PCA, which is only an insurance arbitrator.

Of course, anything can happen during the year, including the liquidation of your insurance company, which may negligently treat the termination procedure and not send the available information to the AIS.

Human factor

And these are the real mistakes made by insurance agents. Here, the correct filling of personal identifiers is critical: full name, date of birth, etc. Even one wrong letter or number can lead to incorrect or problematic reading of your data by the AIS system.

If you read incorrectly (this does not happen very often), for example, as a result of a distortion of the name, AIS may mistake you for another person. And in case of a problem, when the system itself detects some kind of incorrectness or mismatch, it marks your directory as erroneous.

In both cases, upon subsequent insurance, the points will be reset to zero, so be careful when providing your data to the agent and control this process.

Recovery of KBM

Preliminary actions

There are several ways to restore KBM. All of them are based on official appeals to various organizations.

But before making these requests, you need to prepare for them first:

• Collect documents;
• Determine who and when made a mistake.

The documents

You need to collect Required documents, translate them into electronic scanned copies and print paper versions - they will be needed as attachments to subsequent electronic and postal requests.

Here is a list of required documentation in this case:

• Personal passport - scan and photocopy of the first spread;
• Driver's license - full scan and photocopy;
• Insurance policies - a full scan and a photocopy of all copies that you have.

If you do not have old policies (they are irretrievably lost in paper and digital form), then be patient and contact each of your insurance companies for the relevant certificate under the existing contract.

They do not have the right to refuse you such an IC today and are required to provide a document within 5 days. These certificates will replace the lost policies in the process of restoring the KBM.

Finding an error

You need to try to independently determine by which insurer and at what point a mistake was made (at least approximately) - this will significantly speed up the recovery process.

To do this, write down the data you have: dates of conclusion insurance contract linked to each of your insurers. Then, on any online service, check-search for KBM.

In the OSAGO policies themselves, KBM is usually not prescribed (sometimes the class and KBM are entered in special marks, but not always), because of this, it must be determined independently for each year, and a check is needed for each month of each insurance period.

But this is not always required - if you previously reconciled the cost of OSAGO using an online calculator every year and you know for sure that everything was fine, then the most recent contract will be the reason for the incorrectness of insurance points.

And if there were no annual checks, then break through all periods, starting with the most recent one. Having found an erroneous discrepancy, do not stop and check further - it may not be the only one.

Attention! When calculating, take into account the change in the pricing for OSAGO in recent years.

Now you can proceed directly to the restoration of KBM. Ready? Then go ahead.

Recovery procedure

The procedure for restoring the KBM today is much easier than before - usually it is enough to apply to one, less often to two organizations. This is due to the strict position in this area of ​​the Central Bank of the Russian Federation, which has many powerful levers of pressure on any Insurance companies.

For example, in 2015, Rosgosstrakh was temporarily deprived of a license by the Central Bank of the Russian Federation to issue OSAGO due to non-transparent methods of conducting insurance business and a large number of complaints from the population.

This serious act has become indicative for all other less significant companies, which are now trying not to cheat, but to honestly understand and restore the points due to drivers, because too high a stake is at stake - an insurance business license.

Here is the current optimal sequence of requests to the organization for the restoration of KBM:

1. Contacting an insurance company;
2. Complaint to the Central Bank of the Russian Federation;
3. Complaint to the RSA;
4. Additional features.

Let's look at all this in more detail.

Contacting an insurance company

Of the above list, the most effective is the complaint to the Central Bank, but note that it is in second place. And this is no accident, because now it is assumed that the bulk of the problems in the restoration of the KBM will be solved by the insurers themselves.

Since December 1, 2015, they have been officially charged with considering and solving emerging insurance problems at the request of citizens.

Serious sanctions are provided for ignoring them. So the state took on a long-standing problem, which pleases. Do you agree? Now, to restore the KBM, you can contact your current, or even the chosen future insurance company.

The official website of a decent UK should have a special online form for citizens to apply, including on the issue of restoring the KBM, with the ability to download necessary documentation electronic.

If there is no such form on the website of your UK, then send them to e-mail corresponding application to CEO companies. This application is drawn up in free form, and as a sample, you can use the form of a similar appeal to the PCA, changing the details of the cap.

Useful advice:

At this stage, in order to generate more enthusiasm among the employees of the insurance company, it will not be superfluous to simultaneously send a regular postal request to the physical address of the insurer, with a notification of delivery and a list of attachments of printouts and documents. Well, in the e-mail it is worth mentioning the duplication of your appeal.

Sample letter to insurance company.

Complaint to the Central Bank of the Russian Federation

If within 30 days there was no decision from the IC to which you applied, then you have every right to use the “heavy artillery” - filing a complaint with the Central Bank of Russia.

However, please note that the Central Bank will consider your complaint under OSAGO policies that expired no more than one year ago, although the very request of this organization to the UK will concern all the contracts it has in your name.

Step-by-step instructions for filing a complaint through the Central Bank website - 4 simple steps

Step 2

On the page that opens, in the "Insurance Organizations" section, click on the link-subsection "Incorrect use of KBM"

Step 3

In the form that opens, click the "No, proceed to filing a complaint" button and enter the pre-prepared data in the appropriate fields: the official name of your insurer, the text of the complaint, the date, the address of the policy purchase, the region. Upload prepared scanned documents.

Step 4

On the second page, enter your information and contact details.

Your complaint will be considered by the Central Bank service within 10 days (quite a tolerable period). During this time, formal requests will be sent to your insurer, which he will not dare to ignore.

You can file a complaint in the usual way. Here .

Complaint to RSA

This feature is presented as optional if for some reason the first two did not work, which rarely happens. It should be understood that this organization, despite the AIS base under its jurisdiction, is not entitled to make changes to it.

But the PCA has a very effective set of leverage on the UK, so it may well force them to fulfill their obligations to insurers.

There is a special page with all the necessary information on the official website of the RSA for citizens' appeals. It contains the mail to which you should send a complaint and download links.

Additional features

Sometimes, in some rare cases, it may happen that all three of the above methods did not work. Anything happens, right?

But if you are still confident that you are right, then, with the presence collected documents, formal refusals, simple mail notifications of receipt of appeals and complaints, you have the right to file a lawsuit.

Alternatively, in parallel, complaints can be sent to Rospotrebnadzor, the FAS (Federal Antimonopoly Service) and the Society for the Protection of Consumer Rights - on the official websites of these organizations there are special pages for citizens' appeals.

There is another very interesting opportunity for many: recently, some insurers, in order to lure their clients to themselves, offer drivers free restoration of KBM at a professional level (if it is legal, of course), provided that they buy another OSAGO policy from them.

Such services are offered, for example, by St. Petersburg Osago Spb and some other companies. Sometimes individual insurance brokers do this.

Return of overpaid funds for incorrect CBM

Well, with return of KBM we figured it out. But after all, some drivers still have an unpaid debt from insurers in the amount of all misappropriated money for incorrect discounts (or their absence). And such a debt is sometimes very rather big.

Is it possible to claim it from insurers? It turns out you can!

Here's what you need to do for this:

• First you need to restore your KBM.
• If you restored the KBM with the insurer, then you need to additionally ask them to recalculate all payments, determine the amount that they owed you by mistake and offer to reimburse it. If the company is serious and values ​​​​its reputation, then they will not particularly resist and everything will go smoothly.
• But if at the very beginning you had complications with the insurer and had to involve the Central Bank of the Russian Federation, then from there, after processing your complaint, a notification letter should have come to your physical address containing the full recalculation of insurance premiums for the entire time and the final amount to be reimbursed.
• If your insurer KBM restored itself, but refused to pay the debt, then write a complaint to the Central Bank and wait for a notification letter.
• When you have the notification letter in your hands, make a copy of it and write an application for the return of the excess part of the insurance premium in two copies. Here .

Then prepare two packages of documents.

First - you present it to the insurance company:

• Original notification letter of the Central Bank of the Russian Federation;
• Original application for a refund;
• Your bank details.

The second - you leave it to yourself:

• A certified copy of the notification letter of the Central Bank of the Russian Federation;
• A certified copy of the application for a refund.

With both packages, go to the UK, where each document of the last package (your) must be certified by the employee of the insurance company to whom you handed the first package: something like “I accepted the documentation. Position, full name, date and signature.

That's all - your overpaid hard-earned insurer is required by law to return within two weeks to the specified account.

Interestingly, according to the experience of some motorists who applied for a refund, they were the first to make such claims (as they were surprised to announce in the UK). Probably, people, having returned their points, considered this already a good achievement and did not attempt to go further. That's it.

If you want to know additional details about the restoration of KBM, then they are available here in this video:

• When buying another OSAGO policy, if during the past year you have changed the VU, you must make a notification about this with the series / number of the old certificate in the “Special Marks” field.
• To prevent insurance managers from making mistakes, let them rewrite all the information from the documents on their own, and not dictate them. Then check the correctness of the entered data. This is especially true in cases of insurance by freelance agents.
• Keep in mind that since 2011 the insurer has not the right to deprive you of insurance points, even with all the lost certificates, the data of which can be restored upon appropriate requests.

Conclusion

Now you know that there are three main ways to restore KBM and that now insurance companies are more scrupulous about this than before. You also learned that after the recovery procedure, you do not need to be modest and forget about the overpayment amount due to be returned.

Maybe some of you had interesting cases regarding the restoration of KBM OSAGO and you want to talk about them? Then the comments and attention of the readers of my blog are at your service.

That's all for today, dear motorists. Wait for new useful publications, subscribe to their updates for convenience, press the buttons of social networks and carefully drive cars, accumulating maximum discounts on KBM!

More on the topic:

Comments to the article: 64

Ilya

01.11.2016 | 01:26

“All previously accumulated insurance points are taken into account only if the same vehicle (V) is used.”

Wrong. KBM is not tied to the car, it is tied to the driver.

“The husband and wife each have a car. The husband has a BMR = 0.5 (maximum), while the wife has only 0.95. The spouse is included in his wife's insurance and if the insurer finds out about this (and in the presence of AIS this is inevitable), then he can decide to change the spouse's class to the lowest option of the two - 0.95, and this is quite within his right.

Wrong. In this case, only the cost of insurance for the lowest class is calculated, and nothing more. A higher class MSC is not aligned to the lowest.

1. Ilya

   12.12.2016 | 13:23

   Hello Ilya.

   In the first place you indicated, it does not say that the KBM is tied to the car - you were mistaken.

   In the second case, yes, there is an ambiguity that is well explained in this article: "".

   Thank you for your vigilance, the text will be corrected.

   All the best to you, Ilya.

   1. Artem

      14.06.2017 | 20:11

      So you answered that the text will be edited, but six months have passed and it is still the same. And I still don’t understand why the accumulated discounts do not transfer to a new car? Everything used to pass - what has changed recently? Could you point to a rule in the law where it is described?

      1. Igor (Ilya's assistant)

         10.07.2017 | 12:21

         Hello Artem.

         We will answer you in order.

         First question:

         "Wrong. KBM is not tied to the car, it is tied to the driver.”

         In which case is this true? That's right - in the case of registration of the classic OSAGO. And in what case is KBM considered by car? That's right - in the case of registration of unlimited OSAGO. These are two different forms autocitizens and some related rules differ. What is the subtitle of the text from which you took the "erroneous" fragment? That's right - "Registration of unlimited OSAGO."

         Second question:

         There were indeed inaccuracies in the above example - they have been corrected. Regarding the delay with this: a resource like the Kulikavto blog (this is only nominally an autoblog, but in reality a serious legally oriented site under development) requires a lot of time, so the administrator does not always have time to correct certain particulars. In this regard, the management of the resource attracted additional specialists (including me) to process comments, which is a rarity in itself - on most autosites, problem areas of text, unanswered comments, etc. places requiring attention hang for years. Therefore, treat these things with understanding.

         Third question:

         As I understand it, you have a problem with the loss of discounts on KBM when insuring a new car. KBM is not lost when buying a new car, subject to the conclusion of a classic OSAGO, because in this case the points are calculated by the driver. Loss of points can be caused by the reasons described in the article - switching to an unlimited form of OSAGO, mistakes of insurers (old and new), change of rights, etc.

         All the best to you, Artem.

         Oksana

         13.11.2017 | 14:02

         Good afternoon! Tell me what documents you need to attach in order to return the overpayment (the CBM was restored, a letter from the insurance came) by mail. if you go to the office it takes a whole day, now in Voronezh there is a new feature, in Rosgosstrakh it takes one client for 1.5-2 hours. Thank you in advance.

Olga Ivanova

11.11.2016 | 07:30

Good afternoon! Is it possible to restore the KBM if it was reset by mistake by the insurance company 3 years ago? Now this insurance company does not exist, it was bought by another insurance company. The policy in which the zeroing occurred was naturally not preserved.

Ilya

11.11.2016 | 13:38

nikolay

01.12.2016 | 21:25

under an unlimited policy (10 years) cbm 1 is that correct?

Natalia

12.12.2016 | 08:55

"This is especially true in cases of insurance by freelance agents." Mistakes are most often made by managers (employees), not agents. Because an agent is, as a rule, an experienced person, or a former employee of the UK, who began to work for himself. And a manager (specialist) is (mostly) a person who is just starting to work in the insurance industry. In my experience, this usually happens: first the manager, then the head of the department, then the deputy, then the director, and then my agency (or better, a broker).

Maksim

03.01.2017 | 21:10

Good evening. In recent years, I have made the OSAGO policy unlimited in the MSK insurance company and I had 0.55 cbm, but I came to Rosgosstrakh I don’t have cbm. How to be?

Alla Mikhailovna

26.01.2017 | 16:27

Good afternoon, Ilya! During the transition from RESO to VSK (due to the lack of forms), there was a gap of 7 days between policies, due to which, according to the explanation of the VSK manager, preferential KBM was lost. RESO has not entered anything into the database. But I have all the old policies from 2005 with both insurance companies. With a complaint and attaching scans and copies of documents, should I contact the current UK (VSK) or require RESO to enter the data into the database? Or directly to the Central Bank? Thanks in advance for your reply.

Catherine

13.02.2017 | 20:36

Hello. Ilya, I have such a question, the validity of the insurance policy in Reso was from 04/22/2014 to 04/21/2015. The KMB was 0.70 . When she came to the insurance agent, she did not find me in the database (the policy was not with her), although, as it turns out now, she was. Due to family circumstances, I had to leave immediately. Since the policy was only Rosgosstrakh had to be insured there, the validity of the policy from 03/30/2015 to 03/29/2016 Is KMB lost in this case. If not, how can I get it back? Now SK MAKS from 03/30/2016 to 03/29/2017. Thanks in advance.

Catherine

14.02.2017 | 07:34

Was, because the validity of the contract from 04/22/2014 to 04/21/2015. (He is still in my hands.) It’s just that at the time of contacting the agent on March 30, 2015, he wasn’t with me and I didn’t remember the end date of the contract. She did not find me in the RSA database. It turns out that the insurance was issued 21 days earlier, only in another UK.

Leonid

16.02.2017 | 09:28

Hello Ilya! Thanks to you, I restored my cbm. SC office from our village 200 km.

To return the overpaid money, I do not have the opportunity to travel. Can I do it

via mail or the Internet and how? And further. From 2015 to 2016 - the policy of Rosgosstrakh. From 2016 to 2017 - Guard. Now Reso. Who will return?

Sergey

17.03.2017 | 17:25

Good day! In 07-08 There was a class 5. In 08. bought a new car and another IC applied class 3. I missed it (man factor). How now to restore the cbm in the presence of all policies from 03g. The current SC could not - the answer is that there is no data in the AIS RSA.?

Anatoly

18.03.2017 | 11:53

Hello Ilya! I lost my KBM in 2014 (there is a muddy story) there was no accident through my fault. there is no accident either). Question: Have I kept the KBM? And another question: Was there a provision or decree on the suspension of OSAGO in 2012, 2014 or 2015 and for what period?

Galina

22.03.2017 | 01:22

You write that from the Central Bank, where I applied to restore the KBM, there should have been a letter with a full calculation of the debt for insurance overpayments for past years and with the amount of the overpayment, but they only calculated the insurance for this year. Over the past 10 years, I have been incorrectly charged KBM, and now I would like to return the money. Thank you.

Andrew

24.03.2017 | 01:59

Hello, in 2015, the UK reset the KBM for me (Then I didn’t understand what it was). Now, despite the fact that, for more than 7 years I have been driving without accidents, my KBM is 0.95. And the cost of insurance bites. The insurance company that reset this "MAKS" has been insured in the Strazh insurance company for two years now. Is it possible to restore the CBM?

Irina

05.04.2017 | 12:10

Restored cbm from 1 to 0.6 and class from 3 to 11. Now I bought new policy at Sun, how to return the money for last year from another insurance company?? do I need to contact them? and can it be done online? by mail? what is the exact list of documents to be submitted??

Andrew

18.04.2017 | 17:53

Hello!!! Help to understand the issue. In November 2013, there was an accident, before it the KBM was 0.6, after the accident on the site, the next policy is set to me 0.85. As I understand it, because of the accident. From April 2014 to April 2015 I was insured by Rosgorstrakh. This policy is not on the PCA website, or rather it is, but it cannot be found on dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm. When insuring in April 2015, they put me KBM 1. The company MSC puts it. As I understand it, as a year without insuring a car. How can you restore your KBM?

Alexander

04.05.2017 | 11:05

Hello Ilya. I read your articles regarding the restoration of KBM. I have been insured in Rosgostrakh for many years, the driving experience is 27 years, the last car is 9 years old, I issue insurance annually, there have never been any insurance payments. At the extreme pole, KBM is 0.95. I made a request to the RSA for KBM; there is information only on the last pole. The insurer Rosgostrakh does not enter information into the PCA and I did not save the old poles. Didn't think it would be needed. How to be now? How to force the insurer to enter information about the poles for previous years and install the correct KBM?

Oleg

05.05.2017 | 20:33

Good evening! On the PCA website, I saw that the cbm was reset to zero in 2013, when I insured a car, namely 04/20/2013 cbm = 1, before that the insurance contract was from 07/28/2011 to 07/27/2012 and cbm = 0.85 (there was a break from 27.07 .2012 until 20.04.2013 but less than a year).Insurance service reserve, in which I have been insured since 2008.Last year I bought a new car and had to insure in INGOSSTRAKH, kbm = 0.85. This year, I insured again in the Service Reserve and the cbm was 0.8, and if it didn’t reset to zero in 2013, it should have been 0.55. =0.8, but if you put the date earlier than this, then cbm = 0.55! Can I return cbm = 0.55?

George

24.06.2017 | 19:48

Hello! Is it possible to restore the KBM with a certificate from the traffic police? insured something like this 2007-2010 Ingosstrakh (no poles). 2015-2017 consent. I didn't drive from 2010 to 2015. Ingosstrakh does not issue KBM certificates. rights since 1999.

Sergei