Already in the second year of the OSAGO policy, if you have not had an accident, you are entitled to a 5% discount on insurance. For the second and third - the discount will be 10 and 15%, respectively, and after 10 years of accident-free driving - all 50%. Bonuses tend to accumulate and it's sad to lose them, because in this case, you will have to pay more.
KBM is worth restoring:
The discount may be lost or reduced if there was a break in insurance for more than a year or if you became a participant in an accident during the last insurance period. In this case, there is nothing to restore - the KBM was raised legally.
But it happens that the discount is lost, for example, by mistake of the insurer, who did not submit information to the PCA. In this case, everything can be easily restored using the form of the old policy and other documents. The recovery time most often depends on the method, but usually does not exceed one month.
You can correct the mistake when you were entered by the driver in several OSAGO insurances and the insurer mistakenly assigned you the third class, i.e. KBM as a unit. There is something to fight for and you have the right to defend your rights.
Important: Letting things go by themselves, thinking that the costs are small, is not worth it. The fact is that you will have an overpayment for OSAGO not once, but every next year. For example, in the presence of the first and second class, the cost of the policy is 40-55% more. And in the presence of 11-13 classes, the cost of insurance drops by almost half.
Therefore, you should not neglect the accumulated discounts. Even in the event of an accident, your insurance class will not fall too low and you will not overpay.
If you find that your BMR is rookie or something else that seems unfair to you, then you can always appeal that result.
To get started, contact your insurance company and find out what kind of KBM you have, whether the insurer transferred data immediately after the conclusion of the OSAGO agreement to the PCA, and if there is a mistake. The application form is the same for everyone and can be easily downloaded from the Internet.
The statement states:
Upon receipt of the application, the insurer is obliged to check the value of the coefficient. If the CBM does not match the applied one, then it will be necessary to use a new value, which will be taken into account both in the new OSAGO and in contracts concluded later.
The insurer can also explain the mechanism for determining the class of insurance if you do not understand how it changes for the worse and better.
If it turns out that the data was not transferred by the insurance company to the AIS RSA intentionally, then you have the right to write a complaint to the regulator - to the Central Bank of the Russian Federation or to the RSA. Such complaints are usually dealt with within a month.
You can file a complaint through the online reception of the regulator, and in the PCA - to the email address indicated on the website. As the topic, you will need to select "Incorrect application of KBM (discounts for accident-free driving) when concluding a contract."
To restore or correct your KBM, you need to contact the insurer that allowed the transfer of incorrect data. You can also do this via the Internet.
If the insurer refuses to recalculate you, then you have the right to send scans of complaints to the Central Bank and the PCA. Please note that the response from the regulator may take at least 30 days. If the insurer's response says that the CBM has been adjusted, then you need to check the CBM again via the Internet and make sure of this. The amount of the overpayment should appear on your account accordingly. We wrote in detail about how to check and calculate the KMB for OSAGO.
For example, if your class was burned down by mistake of the insurer, then it will be 3, as for a novice driver. In this case, the cost of insurance will be more than 10 thousand rubles. If the class is higher, say, 13, then the price of the policy will be 5.1 thousand rubles. Thus, due to a banal inaccuracy, you can overpay for insurance almost twice.
In order for your complaint or statement to look convincing, you need to attach documents to it in the form of scans (if the documents are submitted via the Internet). The following documents must be attached to the complaint:
These important documents must not be neglected, otherwise your application will not be considered. When contacting via e-mail or the regulator's website, you should not file a complaint in the form of a message in a letter - only in the form of a scan with attached documents.
Important: You must have a valid OSAGO policy at the time of submitting your application to the insurer.
To find out and return your KBM, you need to fill out an online electronic form on the PCA or in the Electronic Insurance Center. The form for checking the KBM on the RSA website indicates:
Next, you need to click on the "Search" button and you will see your KBM indicator. The page will display all the information on the last contract: policy number, series, policy start and end dates, and the name of the insurer.
If the insurance company that once sold you the policy closed or went bankrupt and for this reason did not transfer your data to the PCA database, then only the PCA or the regulator can help. In this case, apply with an application according to the procedure described above and do not forget to attach a copy of the old OSAGO policy so that you can verify the correctness of your statements and recalculate. Recalculation can take at least a month.
After the replacement of the driver's license, the loss of the MSC may also occur if you do not inform the insurer about it.
In this case, in the application, in addition to the above information, you must specify the old and new data of the driver's license and ask to recalculate the cost of the policy using the correct coefficient. In case of loss of rights and their replacement, it is also necessary to ask the insurer by means of an application to preserve the previously assigned KBM.
The letter can be made registered with a description of the attachments. If there is no response within 10 days, then you can safely file a complaint with the regulator. The ability to quickly restore KBM is also offered by many intermediaries on the Internet. Their services are quite inexpensive - up to 500 rubles. In this case, you will also need an application and attachments to it, and then the intermediary will do everything in 2-3 days.
The presented video tells how to restore your bonus-malus ratio and where to go to solve this problem.
Your accident-free ride discount could very well be lost if the insurance company makes a mistake. when transferring data to AIS RSA. In this case, you need to restore the data or correct them as soon as possible. To do this, you need to contact the insurance company where the inaccuracy was made and submit an application with a request to make adjustments.
As applications, you can add old OSAGO policies and other evidence of your innocence. Corrections are made on average from three days to a couple of months. It all depends on the workload of the insurer or the regulator.
If you find an error, please highlight a piece of text and click Ctrl+Enter.
Every Russian car owner is aware of the current OSAGO system. To rule vehicle without signing a car insurance policy civil liability, is prohibited. Every motorist using personal transport has to resort to the procedure.
Given the level of income of our citizens, it is natural that any driver wants to purchase a policy as cheaply as possible. It is possible to reduce the amount of the contribution by submitting an application for the restoration of the MSC.
For greater transparency, you should first deal with the insurance classification of drivers. In all developed countries there are special systems calculation of contributions. This takes into account the length of the driver, experience. The longer a person drives, the more careful his driving, the cheaper insurance costs him.
The logic of this approach is obvious: a motorist with many years of experience is much less likely to have an accident than a novice who has just received a license.
In our country, there is a similar system based on the division of drivers into classes:
This can be better illustrated with a table:
The principle of assigning a class is quite simple. Those who drive without accidents pay less and less for the policy every time. It is KBM that determines its price.
The name of the bonus-malus coefficient (CBM) is translated from Latin as "good-bad". The indicator has existed for about fifteen years, although at the time of its introduction there was no unified information network in which the OSAGO agreements concluded by a person were tracked. Starting from 2014, each insurer is obliged to upload information about the procedure to the system within 24 hours after the conclusion of the contract with the driver.
CBM is a coefficient that directly affects the price of the policy. Each motorist is strictly individual. The indicator can be, for example, decreasing or increasing.
The value is calculated by an automated program. For each year of driving without an accident, a person is given a discount of 5%. That is, for a driver of the second class, the KBM will be 0.95, the third - 0.9, etc. As can be seen from the table above, motorists of the thirteenth class have the maximum discount: its value will be 50% (KBM - 0.5).
If you get into an accident, the driver's class is reduced. At the same time, the price of the insurance policy increases. The rise in price, in contrast to the price reduction, does not occur the next year, but immediately after applying for monetary compensation.
The insurance itself can have two variations:
KBM can be calculated for the driver, owner. Initial MBM is the value at the time the policy is obtained, and Estimated MBM is the indicator used to determine the final premium amount.
Insurance organizations, as a rule, argue that the zeroing of the coefficient was made legally.
In practice, there may be several situations when the driver loses his discount:
Grounds for nulling may not be legal. This happens when the company did not transfer information about the insured person to the database. The discount expires after one year. Sometimes there is an unloading of unreliable information entered with an error. Personal data about the driver may be incorrectly entered into the PCA.
It is better for each driver to check the data himself, using a computer.
Previously, some unscrupulous organizations, in order to make more money, hid information and did not take into account the KBM. In addition, there were cases of sales of fictitious OSAGO policies. Now the probability of such reasons for losing the bonus is extremely low.
The basic rule is The federal law dated April 25, 2002 No. 40-FZ "On compulsory insurance civil liability of vehicle owners. The document defines the rights of drivers and insurance companies, regulates the procedure for paying compensation. It is he who fixed the CBM indicator - a value that affects the price that you have to pay for the policy.
In addition, the procedure is regulated by Chapter 48 of the Civil Code of the Russian Federation (“Insurance”). Articles 927-970 of the document are applied mainly in the event of civil law disputes resolved by the judiciary. The third norm is the Law of the Russian Federation of November 27, 1992 No. 4015-1 “On the organization of insurance business in Russian Federation". It regulates the relationship of persons providing insurance services, the control of their activities.
It is advisable to restore the right to a discount in the following situations:
In all of the above cases, it is possible to restore justice by legal means.
The recovery procedure is quite simple, you need to prepare an application, to which you attach:
It is very important to keep the insurance document that has lost its validity, since it is it that contains information about the KBM of the previous period!
After analyzing the circumstances that caused the loss of the legal discount, you need to prepare a written application in two copies for its return.
The document states:
After filling out the documents, they are submitted directly to the company that issued the insurance with an error.
For consideration of the submitted application, paragraph 1 of Art. 16.1 of the law "On Compulsory Insurance of Civil Liability of Vehicle Owners" 10 calendar days are allotted from the date of receipt. Non-working days and holidays are excluded from the period.
During this time, the company must make one of the following decisions:
When the time is up, you need to check your KBM on the RSA website. If the coefficient has not changed, you should call the insurer.
Typically, companies fix bugs without too much trouble. Insurers that have been on the market for many years (Alfastrakhovanie, Reso, Ingosstrakh, Uralsib, Ingosstrakh, Rosgosstrakh, VSK, etc.) value their reputation and value their customers, so adjustments are made immediately.
Then, on the form provided by the insurer, an application is written for the return of the overpaid part of the premium, which indicates the number savings book or an account statement for transferring money to a bank card.
If the insurer nevertheless ignored the legal requirements of the car owner who applied to him, an application to the PCA for the restoration of the OSAGO KBM can be sent to in electronic format. You need to find the official website of the Russian Union of Motor Insurers. In the "Contact the RSA" section, an email address is provided ( [email protected]), where you need to send everything collected documents by scanning them first.
This network resource also contains telephone hotlines where the driver can call and ask all his questions about the cost of the OSAGO policy.
By the way, the above application form to the RSA for the restoration of the KBM can be downloaded in Word format directly on the site.
Another option is to write and file civilly statement of claim to court. An application for the return of KBM under OSAGO a sample appeal can be found at the stand of this organization. The document is sent to the chairman district court at the place of residence. If the claims are satisfied, the court, in addition to reimbursement of the excess payment, collects a fine from the unscrupulous company, which is half the difference between the amount of the payment determined by the judge and the bonus paid by the person.
To avoid maximum size awards can be made if the following recommendations are taken into account:
Right, in our time, as you know, is the one who managed to foresee everything in time. Considering the heavy financial situation Russian citizens, resorting to additional savings measures will not be superfluous.
To carry out the check, the driver will need a computer with Internet access, a driver's license and a valid insurance policy. Then, online using the link https://kbm-rsa.info, you need to go to the search form and follow the instructions.
The result will be issued after entering all personal information and data on documents. The top line contains the value of the coefficient currently in effect. Information about the previous policy and the value of the KBM value of the previous period is indicated below.
It is essential to stand up for your rights. If a person, having checked his indicator on the basis of auto insurance, saw an error, measures should be taken to eliminate it. The sample application for the restoration of KBM is simple, the list of documents is small. Justice must be restored so that careful, accident-free driving brings bonuses to a conscientious driver who respects the laws and follows the Rules of the Road.
Lawyer, specialist in automotive law
Written articles and responses
Very often, a limited number of drivers are allowed to drive a car in an OSAGO policy.
For example, all drivers in the last policy have accumulated the maximum discount: CBM=0.5. However, when trying to buy electronic policy OSAGO online it turns out that in the RSA KBM database of one of the drivers = 0.85. Therefore, the OSAGO policy will cost at least 25% more. And in order to reduce the cost of the policy, it is necessary to restore the KBM.
How to restore the KBM in the PCA database to the correct one? This is the only question that will arise in this situation.
There are at least 3 ways to return the KBM.
This method is the most reliable. It is necessary to apply to the Central Bank with a complaint about the KBM under OSAGO and everyone will immediately bring you to the same denominator
You can file a complaint with the Central Bank on the CBM through the electronic form on the website —> http://www.cbr.ru/Reception/Message/Register?messageType=Complaint
Scroll down to the section “Insurance organizations” - “OSAGO”, select the subject of the complaint “Incorrect use of KBM (discounts for accident-free driving) when concluding a contract”
Fill out the form provided
BE SURE TO ATTACH (DOWNLOAD) A SCAN OF THE INSURANCE POLICY WITH A MINIMUM MSC or A CERTIFICATE OF THE LACK OF INSURANCE PAYMENTS FROM THE PREVIOUS INSURANCE COMPANY.
You will receive a notification of receipt of the complaint to the specified e-mail
The Central Bank itself will request all the necessary information and send your complaint for consideration according to ownership, you will receive a Notification on the progress of consideration of the application to the Internet reception of the Bank of Russia by mail.
Dear B________
Your application for No. OE-### dated 01/28/2016 was sent to ____________ for No. ####### dated ____________.
This message is generated automatically. Please don't answer it.
And at the end of the check, you will receive a letter from the Central Bank about the results of the check.
The Central Bank must carry out the verification within 30 days from the date of filing the complaint.
And after that, incorrect data will be removed from the AIS RSA database for KBM and the correct ones will be indicated. And you can check the correctness of the KBM.
This is the only sure way to restore KBM for free!
As Bodrov said in the film
All power is in Moscow, brother! (With)
You must apply in writing to the insurance company that insured you with the wrong class. They have to fix everything themselves and recalculate.
PROCEDURE OF ACTION HOW TO RESTORE KBM IN AN INSURANCE COMPANY
1. Write an application in 2 copies addressed to the head of the insurance company with a request to change the KBM on the basis of either the previous policy or a certificate of no insurance payments from the previous insurance company.
APPLICATION for the restoration of KBM (sample)
2. Take the application for recalculation of the cbm and a copy of the certificate, or the previous policy, to your insurance company. Most importantly, your contract at the time of application must be valid.
3. The secretary is obliged to register your application to the insurance company for the restoration of the cbm and assign it a serial number. Keep the second copy with the stamp of the insurance company, date and serial number.
REMEMBER! If the insurance company refuses to accept your application, send it by registered mail with notification.
4. An application for the restoration of the KBM is considered - 10 days. This term provided for in paragraph 1 of Art. 16.1 of the law "On OSAGO", paragraph 2.
After 10 days, you can check your KBM. If the KBM has not changed, then you need to call the insurance company. Usually, the insurance company normally fulfills these claims.
IT IS USELESS TO WRITE AN APPLICATION TO THE RSA FOR THE RESTORATION OF KBM, THEY DO NOT HAVE THE RIGHT TO MAKE CHANGES TO KBM TO THE BASE.
If the insurance company does not respond to the application, write to the Central Bank or the RSA.
This option, as they say in bezrybe.
Insurance brokers, for a certain fee, can restore the OSAGO discount (unless, of course, you lost the discount not due to an accident through your fault).
The insurance company did not take into account the KBM and you do not know how to restore it, use free consultation lawyer and get comprehensive answers to your questions.
KBM (or bonus-malus coefficient) is the coefficient used in calculating the cost of OSAGO. The principle of its use is very simple - the more insured events and accidents you have, the more expensive the insurance will cost you. With accident-free driving, the driver will be encouraged by significant discounts (up to 50%). Please note that four different types of OSAGO KBM are involved in calculating the cost of the policy:
Its goal is simple - to encourage drivers who drive cars without accidents, and to tighten the pricing policy for those who neglect traffic rules. This is a very effective measure, since a careful and qualified driver can easily reduce the cost of the policy by half for himself. At the same time, a driver who constantly requires payments from the insurance company can raise the OSAGO KBM to 2.25.
Simple enough. Its calculation is as follows:
This is how the calculation process looks like. However, please note that all depositing and counting operations are carried out by an employee of the insurance company. Therefore, there is a human factor and, as a conclusion, the risk of error.
If you find that your KBM is incorrect, then you can always correct the situation. To do this, you need to write a complaint. It is with the help of a complaint that you can achieve the result as quickly as possible. You can submit it to the RSA, Rospotrebnadzor or the court. Such an appeal will help you not only get the correct coefficient, but also return the overpaid money. The whole process goes like this:
The first step is the most important. You will have to independently determine whether the insurance company indicated the correct KBM to you when applying for the policy. There are two ways: through the Internet and on your own. Let's consider them in more detail.
Checking KBM online is quite simple. To do so, follow the link. On the page that opens, you will see a simple form to fill out. Please note that it changes depending on which answers you chose in the first and second paragraphs. By filling out the form and clicking the “Check” button, you will receive information about which KBM is currently assigned to you.
Please note that this MSC was assigned to you by your previous insurer, and it may also contain errors with some probability. In this case, the second method will help you.
Self-checking is a little more difficult. But with its help, you can find out your KBM on your own without contacting the PCA and insurance. To calculate, use the table on the right side of the screen. Based on your original class 3, calculate all changes over your driving experience. To do this, mark any documented cases of contact with insurance organization and count its annual increase or decrease. So you can easily get your class for the current year.
If the error is obvious, then you can file a complaint. First you need to contact the RSA. The application form is quite strict, it is necessary to enter only the specified data in it. You can download the form from the link below. Pay attention to the field "Essence of the request". In it, you will need to clearly and concisely describe your problem, as well as substantiate your complaint. You will also need to attach a copy of the OSAGO agreement, a copy of your passport and a copy of your driver's license to the application. Fully finished sample you can see complaints about KBM under OSAGO on the right.
If the insurance organization does not respond in any way to the answer you provided from the PCA, or if you find that it is fraudulent, then you will have to file a complaint with Rospotrebnadzor. It is written in free form with some restrictions. In it, you will need to clearly and in detail describe the essence of the claim, your attempt to resolve the conflict amicably, and the actions of the insurer. The complaint does not allow the use of insults and profanity. At the end of the appeal, make an inventory of your evidence (PCA letter, OSAGO agreement, etc.) and attach them to the complaint.
The last way to complain is to file a lawsuit. To do this, write and submit a claim. It is practically no different from the appeal to Rospotrebnadzor. In order for your claim to be accepted, you will need to describe in detail the essence of the complaint and provide evidence. In order to take into account all the subtleties, you can contact a qualified lawyer - he will help you properly prepare papers for litigation.
Submitting an application is not difficult. A complaint to the PCA is filed either in person at the department or by email. If you want to file a complaint in person, please contact: Moscow, st. Lyusinovskaya, house 27, building 3. Time for receiving complaints: Tuesday from 15:00 to 18:00, Thursday from 9:00 to 12:00. Use email to send a digital message (do not forget to add scans of documents to the complaint).
A complaint to Rospotrebnadzor is also filed in two ways: either during a personal visit to the district office of Rospotrebnadzor, or by sending a letter with valuable documents). But the complaint can only be brought to court in person.
After contacting the PCA, you will receive an official response. In it, you will either be presented with a denial of the complaint and provide proof of the correctness of the insurance agent, or they will inform you that your claim is absolutely justified. With an affirmative answer, you will need to contact the insurance company. Its representative will be obliged to make all necessary adjustments to the OSAGO agreement and give you the difference in the cost of the new and old policy.
With appeals to Rospotrebnadzor or the court, one should not expect such a simple solution to the issue. In both cases, proceedings will be initiated during which you will receive a response to your complaint. Separately, it is worth dwelling on a complaint to the court. If you want to sue the insurance company, then immediately demand a refund. However, you should not act completely on your own - first enlist the support of a lawyer.
Problems with KBM for OSAGO arise very often. However, resolving them is quite easy. Always contact the RSO at the first sign of an error. It is with its help that you can quickly and easily achieve justice. However, if the usual methods do not work, and the insurance company is fraudulent, then go to court - you must defend your legal rights to the very end.
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
It is necessary to restore your previous level of CBM in order not to overpay for the policy more than necessary.
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 service KBM recovery . You only need to pay for the service in the amount of 450 rubles and indicate your data:
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 required documents and going to the insurance.
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 in connection with an incorrectly applied KBM." To be sure, you can print the result of the KBM query in advance
