KBM calculation: we determine the discount on compulsory insurance yourself. OSAGO: calculation methodology, coefficients, tariffs and payments How to determine the CBM if several drivers are included in the OSAGO policy or the insurance is issued “without restriction of persons allowed to drive”
Whether you like it or not, every car enthusiast or just a driver once a year has to go through not the most “pleasant” procedure - the procedure for compulsory insurance of his car. And if you are not savvy in this matter, then when you come to any insurance company, you may be charged the maximum possible amount for insurance without taking into account the discounts and reduction factors that you have accumulated. And in order to rid ourselves, if possible, of such deception, in this article we will help you estimate the amount of compulsory motor liability insurance for your car and understand all the subtleties on this issue, for which we will try to answer the following questions clearly and in simple words:
- What is OSAGO?
- What payments and compensations are we entitled to under compulsory motor liability insurance in case of an accident?
- What are the current MTPL rates?
- What decreasing and increasing coefficients are used to calculate compulsory motor liability insurance and what do they depend on?
- What is the actual methodology for calculating compulsory motor liability insurance?
- How can you legally reduce the amount of your MTPL insurance?
We will also make a full calculation of the cost of compulsory motor liability insurance using the example of my own car. Go…
OSAGO
Mandatory Automobile Liability Insurance
"Required" means that according to the Law of the Russian Federation, every driver is required to have an MTPL insurance policy. Lack of insurance is considered a violation of the law and entails administrative penalties.
"Liability Insurance" means that by drawing up a compulsory motor liability insurance agreement, the driver protects not his own car, but the property and health of people injured in a possible accident for which he may be the culprit. Thus, MTPL insurance relieves the culprit of an accident from large monetary expenses associated with compensation for damage to victims.
Payments under OSAGO
In accordance with the rules of compulsory insurance, damage to the injured party is compensated in one of the following two ways:
-
restoration repair of a damaged vehicle at a service station cooperating with the insurance company
-
payment in cash, and the maximum payment amounts for each insured event are calculated depending on when the MTPL agreement of the culprit was concluded.
- up to 160,000 rubles in case of damage to the life or health of each victim
- up to 400,000 rubles for mechanical damage to the vehicle or property of each victim
- up to 500,000 rubles in case of damage to the life or health of each victim
We will now examine each of these coefficients in more detail.
Basic tariff
Basic tariff(or base rate) is a certain amount of money determined for different types and categories of vehicles, and depending on whether the owner of the vehicle is an individual or a legal entity.
The following thing should be noted here: if previously the basic tariff was some fixed amount (for any insurance company), then from April 12, 2015, the basic tariff is a kind of monetary corridor that allows insurance companies to vary the cost of compulsory motor liability insurance and attract customers with cheaper offers. So don’t be surprised if different insurance companies charge you different amounts. Well, it’s clear that the old-timers of the insurance market are unlikely to significantly reduce the price, but “fly-by-night companies” will try to attract clients, focusing on the minimum value of the base tariff, but with such companies you can “fly by”. So, be careful with your choice!
Below is a table of basic tariffs for different vehicles ( To view the table on mobile devices, move it left and right):
| Type of transport means (category) | Basic tariff (RUB) |
|---|---|
| Motorcycles and scooters (cat. A) | 867 – 1579 |
| Passenger cars (cat. B) for legal entities. persons | 2573 – 3087 |
| Passenger cars (cat. B) for individuals. persons | 3432 – 4118 |
| Passenger cars (cat. B) (taxi) | 5138 – 6166 |
| Trucks (cat.C) with res. Max. weighing: 16t or less |
3509 – 4211 |
| Trucks (cat. C) with res. Max. weight: more than 16t |
5284 – 6341 |
| Buses (cat. D) with the number of passage. seats: up to 16 incl. |
2808 – 3370 |
| Buses (cat. D) with the number of passage. seats: more than 16 |
3509 – 4211 |
| Buses (cat. D) (taxi) | 5138 – 6166 |
| Trolleybuses | 2808 – 3370 |
| Trams | 1751 – 2101 |
| Tractors and other vehicles. cars | 1124 – 1579 |
Example. In my case, I, as an individual insuring my car, must take the values from the 3rd line of the table for the base rate, i.e. (Basic tariff) =.
Preferential use territory coefficient
Kt coefficient– coefficient of the territory of primary use, which is established for each region and locality of Russia and essentially reflects the intensity of traffic in the locality to which the vehicle is attached. At the same time, the territory of primary use for individuals is the place of registration of the owner of the vehicle, and for legal entities - the place of registration of the vehicle.
So, for such a large Russian city as Moscow, a coefficient of 2.0 is set, which indicates the most intense traffic in it, and therefore a high probability of accidents. At the same time, for the Moscow region the coefficient is already 1.7. For other large cities of Russia, such as St. Petersburg, Krasnoyarsk, Nizhny Novgorod, Krasnodar, the coefficient is 1.8. But for rural areas, the coefficient of territory of primary use is mostly set within the range of 0.6 – 1.0. Therefore, of course, it is more profitable to “link” your vehicle to sparsely populated cities and rural settlements.
Below we provide a table with territorial coefficients for the most populous cities and regions of Russia. It contains 2 types of values:
- K(aut.)– coefficient for vehicles, with the exception of tractors, self-propelled road construction and other machines
- K(truck.)– coefficient for tractors, self-propelled road construction and other machines
Those. if you have a car or truck, bus, motorcycle, then you should consider the coefficient K(auto).
Table of territorial coefficients of the most populous constituent entities of the Russian Federation
| Territory | K(aut.) | K(truck.) |
|---|---|---|
| Moscow region | 1,7 | 1 |
| Moscow | 2 | 1,2 |
| Leningrad region | 1,3 | 1 |
| Saint Petersburg | 1,8 | 1 |
| Novosibirsk | 1,7 | 1 |
| Ekaterinburg | 1,8 | 1 |
| Nizhny Novgorod | 1,8 | 1 |
| Kazan | 2 | 1,2 |
| Chelyabinsk | 2,1 | 1,2 |
| Omsk | 1,6 | 1 |
| Samara | 1,6 | 1 |
| Rostov-on-Don | 1,8 | 1 |
| Ufa | 1,8 | 1 |
| Krasnoyarsk | 1,8 | 1 |
| Permian | 2 | 1,2 |
| Voronezh | 1,5 | 1 |
| Volgograd | 1,3 | 0,8 |
| Krasnodar | 1,8 | 1 |
Here again, everything is simple, the more powerful the engine your vehicle has, the higher the cost of compulsory motor liability insurance you will ultimately receive.
Example. In my case, my car has a power of 69 hp, which means my power factor Km =1.0.
Insurance period coefficient
KP– vehicle use period coefficient – an indicator reflecting the inability to use the vehicle throughout the year due to its technical characteristics.
It must be said that the concept of an incomplete period of use can only be attributed to certain types of vehicles:
- snow removal
- agricultural
- watering
- other special vehicles
Even if you use your car only for trips to the country in the summer, you will have to pay for the year-round period.
The value of the Kp coefficient is determined depending on the number of months of use of the vehicle, which is presented in the table below:
Example. In my case insurance period coefficient Kp =1.0.
Violation rate
Kn– coefficient of violations – an indicator reflecting the presence of gross violations on the part of drivers allowed to drive vehicles.
If the driver has no violations, Kn = 1.0, but if there is one of the following violations, then the violation coefficient is Kn = 1.5:
- Reporting to the insurance company knowingly false information affecting the amount of the cost of the compulsory motor liability insurance policy;
- There was intentional assistance in the occurrence of an insured event;
- Causing harm under circumstances that formed the basis for a recourse claim against the causer of harm, namely:
- due to the intent of the said person, harm was caused to the health or life of the victim;
- the harm was caused while driving a vehicle under the influence of alcohol or drugs;
- a person who did not have the right to drive a vehicle;
- the person fled the scene of the accident;
- the insured event occurred when the specified person used the vehicle during a period not provided for by the compulsory insurance contract.
According to some reports, this coefficient has not yet been applied until a unified database is created.
Example. In my case, it seems like I don’t have any gross violations on my record violation coefficient Кн =1.0.
Example (Results)
Let's summarize our example - insuring my car. This is what we ended up with:
Cost of OSAGO= x (Kt=1.3) x (KBM=0.95) x (Kvs=1.0) x (Ko=1.0) x (Km=1.0) x (Kp=1.0) x (Kn=1.0)
after multiplying all coefficients we get:
Cost of MTPL = x 1.235 = 4239 – 5086
Literally three days ago, at a fairly well-known insurance company, I paid exactly 5,086 rubles for compulsory motor liability insurance for my car, which in principle agrees with our calculations and corresponds to our statement that large companies will charge at the maximum rate.
Subtleties in the methodology for calculating compulsory motor liability insurance
Here we will look at various features of calculating the cost of compulsory motor liability insurance for different types and categories of vehicles, as well as depending on the status of the owner.
-
For legal entities, the Ko limitation coefficient is always 1.8.
-
For all vehicles except passenger cars (cat. “B”), the power factor Km is always 1.0.
-
Individuals do not need to register for compulsory motor vehicle liability insurance for trailers of passenger cars.
-
An MTPL insurance policy is required for trailers of passenger cars owned by legal entities, trailers of trucks, buses and motorcycles. The basic tariff for a passenger car trailer is 395 rubles, and for a truck trailer – 810 rubles. At the same time, in the very formula for calculating the cost of compulsory motor insurance for trailers, in addition to the base tariff, only 2 coefficients are used: the coefficient of the territory of primary use Kt and the coefficient of the insurance period Ks.
The best insurance companies for compulsory motor liability insurance
You can find out which insurance companies Russians prefer to insure themselves with by looking at the results of our surveys:
Which insurance companies do you prefer to purchase your MTPL policy from?
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You can select several answer options.
You can add your own answer options.
Renaissance Insurance 2%, 25 votes
Currently, almost all car owners know that when calculating compulsory motor liability insurance, the so-called bonus-malus coefficient (“bonus-malus” is translated from Latin as “good-bad”) or Kbm is used. Some simply call it a “discount”, forgetting that KBM takes into account not only break-even (bonus), but also the presence of payments due to the fault of the policyholder (malus - a fine for careless driving). Also, when defining KBM, the term “Insured Class” is used.
KBM for each driver is an individual value and depends on his insurance history. For clarity, we present a table that regulates the definition of CBM and is the same for all insurance companies. It is designed in such a way that knowing the class of each driver at the conclusion, it is possible, depending on the number of accidents that occurred due to his fault during the year, to determine what KBM he will receive when insuring for the next year.
Table 1. Bonus-malus class.
the table will scroll to the right| Initial class KBM (under previous agreement) | KBM value | KBM class under a new contract upon expiration of the previous contract, after | ||||
|---|---|---|---|---|---|---|
| 0 insurance payments | 1 insurance payment | 2 insurance payments | 3 insurance payments | 4 or more insurance payments | ||
When a driver enters into a MTPL car insurance contract for the first time, he is assigned class 3 (Kbm = 1). Then, for each accident-free year, he is given a 5% discount, and his class increases. If accidents occur due to his fault, the “class” decreases, and the Kbm, accordingly, increases.
- The policyholder had Kbm=0.85 (6th class, 15% discount). It was his fault that 1 accident occurred, and the victim was paid. Next year, when concluding an MTPL agreement, it will have class 4 and Kbm = 0.95 (5% discount).
- A novice driver with Kbm=1 became the culprit of an accident in the first year of driving. In the second year of insurance, instead of a 5% discount, he receives an increasing Kbm = 1.55. And if he again gets into an accident due to his fault, in the third year of insurance the policy will be calculated for him with Kbm = 2.45.
From the history of KBM
Since the introduction of compulsory motor vehicle insurance in 2003 and until 2008, the class of the insured was “tied” exclusively to the vehicle. That is, when a driver purchased a new car and came to take out an MTPL policy, he automatically lost all his discounts. The situation turned out to be absurd: the concept of “insurance history” did not exist, and KBM did not fulfill its main function - to encourage careful driving and stimulate accident-free behavior with “bonuses”. In March 2008, the experience of other countries was nevertheless taken into account and the “bonus-malus” system changed radically. From that moment on, the class began to be assigned to each driver individually, retaining it when purchasing another car. And now, even if a driver previously included in someone else’s policy becomes a car owner for the first time, he has every right to count on a previously “earned” discount.
How to determine KBM if several drivers are included in the compulsory motor liability insurance policy or the insurance is issued “without restriction of persons allowed to drive”?
If several people fit into the policy, the Kbm to calculate its cost is taken for the driver whose Kbm is maximum. Therefore, when a driver with little experience joins a company of reputable and experienced driving experts, you need to be prepared that the price of insurance will increase significantly. Few people understand another important point. In the event of an accident, the KBM increases only for the person who was driving the car at the time of the accident and was found guilty by the traffic police inspectors. The rest of the drivers included in the insurance safely retain their discounts. And if the culprit is not included in the policy next year, the total discount on it will, as expected, be 5% more.
If the policyholder draws up a contract on the condition that any drivers are allowed to drive the car, the CBM is determined by the owner of the vehicle. It doesn’t matter who the owner is, it could be a grandmother in the village who has never held a rudder in her life. It’s just that with an “unlimited” MTPL policy, you won’t “become attached” to anyone other than the owner to determine the CBM. The policyholder does not count, because the policyholder is the person who pays the insurance company money and determines the terms of insurance.
KBM problems
When changes were made to the Law on Compulsory Motor Liability Insurance (MTPL) relating to KBM, at first it seemed that compulsory car insurance in Russia had become more civilized: conscientiousness behind the wheel was encouraged, and indiscipline was punished with rubles. Everything is fair. But it turned out that reality is far from perfect.
In theory, everything looks great. Any car owner is able to at least approximately determine his CBM, based on his own MTPL experience: the number of years of insurance, the number of insured events and the table given above. What about company employees, insurance agents and brokers? The only ideal situation for determining KBM is when the driver has been insured with the same company for all years (or at least the last few years), and the database contains any information about him. If a person comes from another insurance company, problems arise with KBM.
On the one hand, everything is simple - according to the previous policy, you can always calculate last year's discount and add another 5%. But where is the guarantee that the previous company did not pay for the driver? Should I take his word for it? Not serious. As long as insurance companies strenuously keep data on their policyholders secret and stubbornly refuse to create a single database, the confusion with KBM will continue. Even for a persistent violator of traffic rules, who every now and then causes trouble for someone on the road, it costs nothing to run from one company to another every year and, with honest eyes, demand another discount for being accident-free.
The situation described is, of course, extreme, but hiding a couple of labor payments is not an option for anyone today. Fortunately, there are still too many insurers involved in compulsory motor liability insurance, even despite the fact that every year dozens of companies leave the car insurance market forever. And it happens that a car owner is ready to present a break-even certificate, rightly claiming a discount, but, alas, his insurance company has lost its license. Another policyholder is not even interested in any “bonus-maluses”; he buys a new car every year and insures himself at the dealership, just like for the first time, without claiming anything.
Another common occurrence is when a driver with, say, 6 years of experience is included in the policy, and the total insurance discount is 40%. Well, it’s obvious that there’s no way a person with such experience can get a 40% discount, or a maximum of 25%. But there are very few policyholders who have class 1 or the lowest - M, although there are plenty of accidents on our streets. And all these facts together are called disorder.
However, at present, serious insurance companies have begun to treat “outside” policyholders more harshly. Some require you to bring a certificate from the previous company that the year was accident-free, others provide a discount only if the policyholder additionally issues a DSAGO, and still others come up with some other measures. If the client is not going to go for a certificate, does not want compulsory DSAGO, does not agree to be insured without a discount, he is simply told “goodbye”. But large companies follow this policy. Small insurers who rely exclusively on compulsory motor liability insurance (and in the future, as a rule, go bankrupt) are ready to grab hold of anyone, and therefore intensively lure clients to them with maximum discounts.
It should also be noted that the reason to avoid multiplying odds whenever possible lies not only in the Russian habit of deception. If MTPL insurance in our country “worked” fully, without failures, delays and constant underestimation of payments, policyholders would have no reason to treat insurers with disrespect.
In custody
From all of the above, it is obvious that the “bonus-malus” system in our country practically does not fulfill the task assigned to it by the Government - to more objectively assess the degree of risk and the insurance tariff for compulsory motor liability insurance. The human factor still remains the main criterion for determining KBM for each individual driver. One client is convincing beyond belief, the other looks like a fraud. Some agents give out discounts with or without reason, just to insure and receive a commission, while others, on the contrary, pretend that the concept of KBM does not exist at all and actively “catch” clients who have no idea about it. And so on.
Currently, the decision to create a Unified Database for Compulsory Motor Liability Insurance has finally been adopted by law, and by the end of 2012, insurance companies are required to enter information about all their clients into a single database. If this is implemented, a common base for all insurers will begin to function in 2013. Perhaps then problems with determining KBM will forever be a thing of the past.
KBM or bonus-malus coefficient is an indicator that determines the discount on the cost of an MTPL policy. People call it a discount for accident-free driving. The indicator may increase or decrease the cost of compulsory motor liability insurance depending on how accident-free the car was driven during the previous year of insurance.
How to use the table to calculate KBM?
The table for KBM calculations includes information about the MTPL class, the value of the coefficient that corresponds to a certain class, as well as information on how the number of accidents during the annual insurance period affects the MTPL class.
| Class | KBM | Increase in price | Number of insured events (payments) that occurred during the period of validity of previous MTPL contracts | ||||
| – | 0 | 1 | 2 | 3 | 4 | ||
| Discount | Class to be assigned | ||||||
| M | 2,45 | 145% | 0 | M | M | M | M |
| 0 | 2,3 | 130% | 1 | M | M | M | M |
| 1 | 1,55 | 55% | 2 | M | M | M | M |
| 2 | 1,4 | 40% | 3 | 1 | M | M | M |
| 3 | 1 | No | 4 | 1 | M | M | M |
| 4 | 0,95 | 5% | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 10% | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 15% | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 20% | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 25% | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 30% | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 35% | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 40% | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 45% | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 50% | 13 | 7 | 3 | 1 | M |
Using the KBM table is very simple. First you need to know the KBM. This information is available on the website of the Russian Union of Auto Insurers (RUA), you can contact the insurance company or look at the KBM in the current policy (some companies indicate the class directly in the insurance). All other sources are considered unreliable.
If a citizen enters into a MTPL agreement for the first time, he is assigned class 3, for which the BMR is 1.00. Therefore, no discounts or surcharges apply.
Driver classes in the KBM table
The driver's class depends on the number of insurance payments made for the previous year of insurance due to his fault. If the accident was not registered by the State Traffic Safety Inspectorate, this will not affect the driver’s class in the KBM table, since the insurance company is interested in liability, not property.
Each insured event resulting in insurance payments lowers the driver’s class by 2-6 positions. For example, the driver’s initial KBM corresponds to the value 8. If one accident occurs, resulting in an insurance payment, the class will be reduced to 5, two accidents will lower the class to 2, and three or more will drop it to the lowest level. Class M means that the client is especially dangerous for the insurance company. In this case, the cost of the policy increases by 2.45 times.
How does the OSAGO class affect the discount?
The amount of discount on the cost of the policy depends on the MTPL class. Each year of accident-free driving entitles you to a 5% discount.
To determine what discount the driver receives, you need to do some simple calculations. You must subtract one from the coefficient value and multiply the resulting number by 100%.
For example, the driver’s class at the beginning of the annual insurance period is 11. It corresponds to a coefficient of 0.6. Thus,
(0,6-1)*100% = - 40%
Renewing insurance will cost 40% less.
An example of calculating the KBM from the table
We propose to consider an example of calculating the KBM using the table. Initial data: the driver enters into a MTPL contract for the first time and has committed 2 accidents in a year that resulted in insurance payments.
Since the driver has no history, he is assigned class 3, which corresponds to a value of 1. Having committed 2 accidents, the class is downgraded to M. When the contract is extended, the cost of insurance will increase by 2.45 times.
The desire to reduce the cost of insurance pushes some drivers to distort information. However, this is not recommended. If an insured event occurs, the fact of participation in an accident will certainly be revealed, and the insurance company will refuse to pay. You will have to eliminate the consequences of the accident at your own expense.
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How is the MTPL discount calculated? What is KBM?
Tariffs for compulsory motor liability insurance are approved not by insurance companies, as is the case with CASCO, but by the government of the Russian Federation. The price of an MTPL policy is equal to the product of the base tariff and a number of adjustment factors. In this article we will not describe them all, because... This is quite a lot of information. If you want to find out the cost of compulsory motor insurance– use the MTPL calculator on our website.
The focus of this article will be Bonus-Malus Ratio (BMR). The purpose of this parameter is to encourage accident-free drivers in the form of discounts and to punish those whose fault accidents occurred in the form of increasing the cost of the compulsory motor liability insurance policy.
When talking about CBM, Insurers often use the term “Insured Class”. If you are insured for the first time, then your class is 3, and the KBM itself is 1. Then, for each accident-free year of driving, you receive a 5% discount, i.e. in the second year of insurance your BMR becomes 0.95, in the third – 0.9, etc. The maximum threshold is a 50% discount on OSAGO (KBM = 0.5). To achieve this result, it is necessary not to become the culprit of an accident for ten years.
The discount accumulated over the years can easily be lost if you become the culprit of an accident during the next insurance period. If you have been insured not so long ago, and you do not have a discount, or it is insignificant, then careless driving on the road, among other troubles, will result in an increased cost of your MTPL policy for the next year of insurance. It should be noted that sanctions will be applied only if the victim of an accident applies for payment to your insurance company. In theory, he can give up and restore the car at his own expense, for example, if the damage to his vehicle was minor. In such a successful scenario for you, there will be no price increase.
KBM is not taken into account when insuring trailers. Also, it does not play a role when concluding an MTPL agreement for a transit vehicle and for vehicles whose owners are registered in a foreign country.
How to find out your KBM?
To find out your KBM for the next year of insurance, you need to use the appropriate table.
As mentioned earlier, for the first year of insurance the driver is assigned class 3. It is highlighted in yellow in the table. The BMR in this case is equal to 1, i.e. it does not affect the cost of compulsory motor insurance in any way. Let’s say that not a single accident occurred due to the fault of this driver in the first year. We look at the column “0 insurance payments”, the value in the cell is 4. That is. the next year the driver is assigned 4th class (KBM = 0.95). This means that he has the right to count on a 5% discount when renewing the MTPL agreement. If in the second year of insurance this driver becomes the culprit of one accident, then he will be assigned class 2 (KBM = 1.4). Those. The price of the MTPL policy at the next renewal will immediately increase by 40%. Another accident-free year will help him return to 3rd class and not overpay for insurance.
How to determine KBM if several drivers are registered in OSAGO
If the list of insured drivers under compulsory motor liability insurance consists of several people, the largest BMR is taken into account in the calculation. For example, if two drivers have accumulated a 40% discount (KBM = 0.6), and a third has accumulated 10% (KBM = 0.9), then the cost of compulsory motor insurance will be calculated taking into account the 10% discount. If one of the insured drivers is found to be at fault for an accident within a year, only his or her BMR will increase. Others can expect a 5% discount increase.
If the MTPL agreement is drawn up on the condition of an unlimited number of persons allowed to drive, then the vehicle owner’s MSC is taken into account.
How do insurance companies determine drivers' BMR?
Back in 2012, there was confusion in the insurance market regarding the definition of CBM. At the time, there was no single database of drivers' insurance history that insurance companies could access. The drivers who caused the accident understood that their insurance company would ask them to pay significantly more for the MTPL policy next year, and therefore simply applied for a new policy from another insurance company, assuring its representatives that the last year of driving had been accident-free. This hole was also used by insurance agents who wanted to make the most favorable offer for a potential client. It got to the point that drivers immediately received a maximum 50% discount for the first year of insurance.
Almost ten years after the introduction of compulsory civil liability insurance for car owners in 2003, on January 1, 2013, a unified database of the Russian Union of Auto Insurers became operational. From now on, insurance companies are required to provide data on the insurance history of their clients to the RSA. At the same time, Insurers, of course, have access to the database, who are now able to check information on clients rather than take their word for it.
Important to remember
The KBM is not tied to the vehicle. If you sell your old car and decide to buy a new one, your discount will remain. You can count on a discount on compulsory motor liability insurance provided that the new policy comes into force no earlier than the expiration of the previous one, and also if one year has not passed since its expiration. Those. you sold the car in January 2014. His insurance was still valid until June 2014. You will only be able to get a discount on compulsory motor insurance for a new car in June 2014. If the policy is issued before this, for example, in March, the CBM at the beginning of the previous policy will be applied to calculate the compulsory motor liability insurance policy, without an additional discount.
If you have accumulated a discount and then for some reason are not insured under MTPL, then your KBM will be stored in the database for no more than one year from the date of expiration of the last MTPL contract with your participation. After a year, the discount will be canceled and you will be assigned primary 3rd grade (KBM=1).
BMC or the Bonus-Malus coefficient is a coefficient that is used by insurance companies when calculating the insurance premium under a contract. Depending on the presence or absence of accidents, Bonus-Malus can be downward or upward. For the convenience of determining this coefficient, a special KBM table for compulsory motor liability insurance has been created.
| Class | KBM | Increase in price – Discount |
Number of insured events (payments) that occurred during the period of validity of previous MTPL contracts | ||||
|---|---|---|---|---|---|---|---|
| 0 | 1 | 2 | 3 | 4 | |||
| Class to be assigned | |||||||
| M | 2,45 | 145% | 0 | M | M | M | M |
| 0 | 2,3 | 130% | 1 | M | M | M | M |
| 1 | 1,55 | 55% | 2 | M | M | M | M |
| 2 | 1,4 | 40% | 3 | 1 | M | M | M |
| 3 | 1 | No | 4 | 1 | M | M | M |
| 4 | 0,95 | 5% | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 10% | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 15% | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 20% | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 25% | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 30% | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 35% | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 40% | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 45% | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 50% | 13 | 7 | 3 | 1 | M |
Check KBM
What do the rows in the table mean?
The cost of the contract directly depends on what class of KBM will be applied under OSAGO.
The entire table is divided into several sections. The first column indicates the driver's class at the time of insurance. A driver who contacts a company representative for the first time to sign up for a policy automatically receives the initial 3rd class. It is from him that the calculation will occur, up or down.
The second line shows the discount, bonus-malus coefficient, as a percentage.
The last column indicates the presence or absence of claims during the insurance year.
How to use the table
The table is very easy to use. To determine the coefficient, you only need to know: what class was at the time of insurance and how many accidents occurred during the validity of this contract. The second meaning is simple, since every driver knows whether an accident has occurred or not. The first value can be found out from the insurance company or on the page.
To verify, you must enter: full name, date of birth, series and driver's license number. After entering personal information, verification will occur automatically.
In order to personally find out the coefficient for the start of insurance, you must contact the office of the company where the contract was drawn up. You must have a passport, a signed contract and a driver’s license with you. The bonus-malus check takes no more than 10 minutes.
After you find out your class, you need the 2019 KBM OSAGO table to determine the value. In the first column of the table you need to find your class. The second column will reflect the discount, or increasing factor, that was used when calculating the premium under the contract. Next, the bonus malus for the next year is determined. If there are no payments, he moves down one line in the table. If there were accidents, he moves up the table, depending on the accidents.
An example of calculating the KBM from the table
Here are two examples for your attention. In the first case, the driver drove for a year without any losses, in the second the driver had accidents. Let's look at how the driver class KBM table works in the absence and presence of insured events.
Sergey Petrovich Ivanov contacted the insurer on November 11, 2015. At the time of execution of the contract, the driver was assigned class 9 of the KBM, namely a 30% discount on the base tariff under the policy. It turns out that the client has already used the services of the insurance company more than once and each received 5% for an accident-free ride.
Example #1: No accidents
A year later, Sergei Petrovich again turned to the insurance organization to obtain a new contract. As before, the client had no accidents, and the employee provided a reduction bonus for an accident-free year. To determine this, she used the “Bonus-Malus” table according to OSAGO.
Sergei Petrovich was in 9th grade, moving along this line to the right, in the table, the insurance agent looked at the new class, with the number of insured events “0”. After 9 comes 10, which corresponds to a discount of 0.65 or 35% to the final cost of the insurance contract. It turns out that under the new contract he will receive a discount of 35%.
Example No. 2: There are three accidents
A year later, Sergei Petrovich again turned to a representative of the insurance company to draw up a new contract. Unfortunately, over the past year the client had 3 accidents that were his fault. In this regard, the client did not expect a good discount.
Sergei Petrovich was in 9th grade. Moving along the line, you need to look at the new coefficient, which is assigned to the driver who has had 3 accidents. The new class that an emergency driver receives is 1 or an increasing factor of 1.55. It turns out that the client must pay an increased insurance premium.
KBM with unlimited insurance
If a policy has been issued that provides for an unlimited number of persons allowed to drive a vehicle, then the question arises: bonus-malus class, how to find out? In this case, the bonus is calculated according to the owner of the car.
The coefficient for the owner is determined in the same way as for the driver. The only thing worth taking into account is that the discount on a car by owner is assigned to a specific car and does not apply to others.
For example, you have signed a contract for a VAZ 2110 car for several years in a row, without accidents, and have earned the maximum class of 50%. When purchasing a new car, Kia Ria, subject to an unlimited number of persons, according to OSAGO, you will be assigned an initial indicator of 3. It turns out that a new car means a new system of discounts.