Reduced kbm. How to return the overpayment after restoring the KBM Incorrect bonus malus coefficient

As we have already noted, the insurance company transmits data about drivers from its database, and people (policy entry operators) enter this information into the database. There may be a human factor here - when entering the driver’s last name, first name, patronymic or date of birth, the operator could have made a typo. If at least 1 letter or number in the database does not match the information that you enter when accessing the AIS RSA, the system will return an error and your discount will be lost.

Multi-vehicle management

The driver could be listed as a person allowed to drive in several insurance policies. Moreover, the value of Kbm could be different in each of these policies, since until 01/01/2013 the agent did not turn to a single database to determine Kbm, but gave a discount based on the previous policy. For example: Ivanov I.I. has his own car, and is also allowed to drive the car of his wife, who has 2 years of driving experience. In his policy he has Kbm 0.5, in his wife’s policy - 0.9 (since the wife’s insurance history is only 2 years, according to the number of years of experience). If the insurance company transmitted data on both policies, the value of Kbm for Ivanov I.I. will be the maximum of the two, that is, 0.9.

Insurance company bankruptcy

The insurance company went bankrupt and did not transfer data to the AIS RSA system. In this case, there is simply no information about the driver’s insurance history in the unified database.

Unscrupulous agent or employee of an insurance company

By law, before issuing a policy, an agent must check your discount in the PCA database. However, often the agent does not do this, taking advantage of the client’s illiteracy. By inflating the CBM, the agent increases the cost of the policy and thereby earns more. In this case, kbm = 1 is transferred to the RSA database, that is, the same as if the policyholder was taking out a policy for the first time.

What should you do to avoid losing the accumulated discount for break-even insurance and restore lost CBM?

Until July 1, 2014, insurers could use a “break-even certificate” to determine the value of KBM. P 35 of the OSAGO rules states: “In case of early termination or upon expiration of a compulsory insurance contract, the insurer provides the insured with information about insurance in the form established in accordance with the legislation of the Russian Federation. Information about insurance is provided by the insurer free of charge in writing within 5 days from the date of the relevant request from the policyholder and is entered into the automated insurance system.” Thus, it was enough to contact the insurance company where the last MTPL policy was issued, obtain a certificate in form No. 4 and, on its basis, issue the next MTPL policy. During the next transfer of data on the Kbm value to the AIS RSA system, the Kbm was updated.

On July 1, 2014, amendments to the legislation came into force that do not allow the use of CBM on the basis of a break-even certificate, namely:

Subparagraph "z" of paragraph 3 of Article 29 of the Federal Law of July 1, 2011 N 170-FZ "On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation" (with amendments and additions) amends the Federal Law "On compulsory insurance of civil liability of vehicle owners"

h) add clause 10.1 with the following content:

"10.1. Concluding a compulsory insurance contract without entering information about insurance into the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law, and checking the compliance of the information provided by the insured with the information contained in the automated compulsory insurance information system and in the unified automated technical inspection information system information is not allowed.";

Thus, when applying for a compulsory motor liability insurance policy, the Insurer must check your car insurance against the AIS RSA database, as well as check the presence of a valid inspection coupon in the unified information system EAISTO. Without this, issuing an MTPL policy is not allowed.

How to restore KBM? You can go 2 ways:

Option 1.

• Determine at what point in time your KBM disappeared. To do this, you need to check KBM for different dates and find which insurance company issued your policy with the wrong discount.
• Find and scan copies of policies with the correct KBM value
• Write complaints to the Central Bank, RSA, the insurance company with which you are currently insured. Please attach scans of the policies on the basis of which you are requesting a recalculation of the discount to your complaint.
• Within a month, your complaint must be considered and, depending on the set of documents that you send along with the complaint, a decision is made to reinstate KBM.

Option 2

• Check out KBM. In the results of the check you will see a button “Not satisfied with KBM? We will restore it.” Our specialists will do all the work for you, and within 1-5 days your insurance premium will be restored and you will be able to issue an MTPL policy with the required discount or request a refund of the overpaid insurance premium from your insurance company.

For each year of break-even insurance, the driver included in the policy is entitled to a discount of 5% of the base premium. At the same time, its maximum size cannot exceed 50%, which corresponds to class 13 “bonus malus”.

Until 2013, when the common base of the Russian Union of Auto Insurers (RUA) appeared, the size of the discount actually depended on the policies of the companies. The latter could offer the desired discount without any reason to attract customers. If it was necessary to “slow down” sales, information about the class of drivers was checked against our own database or insurance information (a document in the prescribed form) from the previous insurer.

For almost 10 years, car enthusiasts paid almost no attention to this coefficient. Before the appearance of the RSA database, drivers responsible for accidents calmly changed companies, thereby “clearing” their insurance history under the “citizen” insurance policy. There was a surge of interest in KBM in 2015, when, after a sharp increase in compulsory motor insurance tariffs, the influence of the coefficient on the final premium became very noticeable in ruble terms. Since then, the issue of adjusting the value of this component has not lost its relevance.

What to do if the KBM discount “disappears”?

Now the Internet is full of numerous tips on how to restore the lost “bonus-malus” class. Someone offers to return the KBM for a set fee (usually from 500 rubles); others claim a “voluntary donation” for a draft letter to the Central Bank (from 100 rubles). At the same time, such options may well work: they involve the same algorithm of actions that is available to any policyholder free of charge and leads to the restoration of insurance history. For example, often for 500 rubles per driver, they simply fill out a request form for the restoration of KBM on the website of one of the insurance companies (such services are available on the websites of RGS, Soglasiya, RESO, VSK), after which the client receives a response by email.

Of course, there are also paid offers to “restore” the discount in an amount greater than the norm.

Such services are usually provided through unscrupulous company employees who have access to internal databases, who correct the coefficient manually, or through employees who have access directly to the RCA database. For example, if you have access to the insurer’s internal database, you can go to the client’s information and correct the CBM class to the maximum. Automatically, this information will appear in the general RCA database after some time (usually a maximum of a day).

For now, those who use such services face little threat. But if fraud is detected, the insurance company may interpret this as providing false information and apply the violation coefficient (CN) next year, which increases the cost of the policy by one and a half times. Therefore, it is better to consider legal ways to restore the required discount.

Simplified check service of the "bonus-malus" class (Kbm+)

The essence of this service is that, through “your” current or potential insurer, you submit an application to check your insurance history at RSA and clarify the “bonus-malus” class. This opportunity should be provided in all insurance companies working with the “motor citizen”. Let's make a reservation that in practice, a potential insurer (the one to whom the car owner plans to apply for the next policy) most often refers the client to the company that issued the previous contract.

Online

Many insurers, especially those among the key market players, have implemented the corresponding functionality on their websites (we mentioned it earlier) - in this case, there is no need to visit the office. An electronic application form is filled out on the website; If necessary, you can attach a copy of your driver's license or MTPL policy. The application must be assigned a number so that the status of consideration can be tracked if necessary.

As a rule, if all the data was entered correctly, a response to the applicant’s email will be received within 5 business days - this is the period established by RSA for checking the client’s history.

In this case, the correct class will already be reflected in the RSA database. If some data is incorrect and information needs to be clarified, the review period increases, although it rarely exceeds a month. The date of receipt of the electronic application must be recorded in the insurer's automated system.

Personal application or application by mail

If for some reason it is not possible to use the online service, and also if you are sure that the reason for the incorrect KBM lies in a typo or (for example) a replacement driver’s license, you can visit the insurer’s office. Another option is to send a paper application by mail, attaching copies of the necessary documents. You should contact the management department (regional branch of the insurance organization, head office). However, sometimes the application is accepted at “unauthorized” points - for example, as a sign of loyalty.

If it's a typo, they can fix it literally in a day.

There is probably no point in asking the employee receiving the application to name the person responsible for the error: it is extremely difficult to determine who is responsible, and this information is unlikely to speed up the correction of the coefficient.

If the insurer did not help

Let us note that contacting the RSA directly in most situations turns out to be less effective: the response comes with a recommendation to contact “your” insurance company. If there is no response from the insurer for a long time, it would be natural to try to contact the Central Bank, as a supervisory authority.

There is no special form of appeal or application to the Central Bank - the supervisory authority is obliged to consider all incoming letters, including those regarding the CBM.

Of course, you shouldn’t limit yourself to a couple of general phrases: you need to indicate in more detail which insurance companies, under which policies the auto liability was insured, indicate your full name, date of birth, and driver’s license. Then the issue will be resolved faster.

An application to the Central Bank can be submitted in writing or through the online reception (from the list of reasons for applying, select “Incorrect application of the KBM”). In some regions, cooperation has been established between the local branch of the Central Bank and branches of insurers in order to expedite the processing of policyholder complaints. As part of this interaction, based on oral requests from clients, the local Central Bank transmits information to company branches, and the latter try to resolve received applications as quickly as possible, followed by notification of the Central Bank branch about the results of processing.

Thus, it is not so difficult to restore the lost bonus-malus class on your own. Financially, this maximum is associated with postage costs. But they can also be avoided by resolving the issue via the Internet.

Not everyone knows how to reduce the MTPL (pay less per pole). To achieve this, you should write an application to the insurer, the RSA or the Central Bank.

Main aspects

When insuring under compulsory motor liability insurance, the driver is assigned a certain bonus-malus coefficient (BMC) every year, which is entered into the RSA database.

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Based on this indicator, the current price of the pole changes. every year it will fall by 5%.

There are cases when an incorrect BMR was indicated for a driver in a new policy, which means an increase in the insurance rate.

In this case, losses, including damage to another car or cars, as well as damage to the life and health of the driver and passengers in this car, will be compensated by the insurance company.

It is worth remembering that this type of contract in no case covers damage caused to the driver himself.

Why is it needed?

KBM is required in order to express in the cost of the policy the degree of risk that the company assumes when insuring this particular driver.

If, based on the data of the policyholder, it is determined that the probability of an accident for the car he is driving is relatively high (due to inexperience or if there was an accident in which the motorist himself was to blame), then he will have to pay a higher price for the policy than a driver with a more significant experience or have not been involved in traffic accidents through their own fault.

Previously, from 2003 to 2007, the KBM was determined for a car, so when it was changed, it was reset to zero. But from now on, the class is calculated specifically for the driver.

As a result, on the one hand, he retains it even if he changes to a new car. On the other hand, for one vehicle, the policy may include several coefficients for each driver, calculated on the basis of its own history.

This procedure is possible if, at the will of the owner, the use of a car by several drivers is allowed at once.

Since a single car policy is purchased for all drivers, the price for it will correspond to the tariff that is due to the driver with the greatest risk of an accident, that is, the highest possible. Another option is for such a driver to purchase an MTPL policy for himself personally.

Current regulatory framework

The regulatory framework on this topic includes:

• approved “MTPL rules for vehicle owners”;
• “On approval of insurance tariffs for compulsory motor liability insurance, their structure and procedure for application.”

The Methodological Manual for Employees of Insurance Companies, published by the Russian Union of Auto Insurers, is very useful for work, but its provisions are not binding.

Features of reduction

The reduction of the coefficient is carried out by applying to one of several authorities; the review procedure may take half a month or one to two months. In most cases, the car enthusiast gets his way.

What are the reasons for errors in calculations?

A situation often arises when a driver, determining what discount he is entitled to under compulsory motor liability insurance, discovers that it will be less than he expected or will be absent altogether, in which case the coefficient will be equal to one.

Errors in calculating the BMR can occur for one of a number of reasons. Among them, it is worth mentioning the incorrect assessment of the car owner’s own bonus-malus coefficient.

In particular:

He may overlook that a five percent price reduction	Occurs after another year of driving, therefore, if, for example, he added another driver to the policy in the middle of the year, then even with accident-free driving during this period, the latter cannot expect a recalculation; therefore, if they are indicated together again in the new policy, the discount will not increase for the car owner himself, even if he drove for a year without an accident, since they count according to the driver for whom the discount is the smallest
The discount is already 50%	And the car owner automatically writes 55% in the new year; this is incorrect, based on an excellent KBM indicator, you can reset equal to half the price, but no more
He missed the deadline to get insurance	If a driver has reached a fairly high class, but then has a break in obtaining compulsory motor liability insurance for more than a year, then his coefficient will be reset, returning to the initial unit

When checking your KBM, you need to submit your request not too early. If it arrives before the previous policy expires, the system will issue a CBM specifically for it.

You need to check the KBM at the earliest the next day after the previous insurance expires. Another factor is replacing your passport or driver's license.

Photo: KBM check on the RSA website. Part 1

The new document has a different series and number, so the system does not identify the car owner as the person who was previously entered into it. Also, the cause of the error may be the wrong actions of friends.

Photo: Checking KBM on the RSA website. Part 2

If they included the driver in their own insurance to give him the opportunity to drive their car, then their carelessness and the insurance agent’s omission may lead to him deciding that the driver’s class is third, and his coefficient is one, having forgotten to check in the database, so whether it is.

How does the coefficient affect the price of the policy?

The coefficient is a percentage indicator; its influence on the cost of the policy is direct. The default policy price should be multiplied by this coefficient (for example, 95%, 90%, etc.). The result is the transaction price for the corresponding class.

This action is equivalent to subtracting 5% and a multiple of it as a percentage (10,15,20%, etc.), however, the coefficient is not the amount of the discount (5%), but rather the percentage that the current price is from the existing default . That is why drivers strive to lower the coefficient.

How to lower the KBM in the RSA database for free

Currently it is possible easily (Russian Union of Auto Insurers).

In this case, the car owner will not have to pay, since if this figure is incorrect, then it is his absolute right to insist on its correction (and, on the contrary, if it turns out that he does not have this right, then it certainly will not appear if the car owner is ready to pay) .

The basis for such a decision will be a copy of the previous policy with KBM, from the value of which it follows that at present this figure for the motorist is unreasonably underestimated, as well as a certificate stating that the previous legal company did not make payments due to damage caused to third parties through the fault of the applicant.

Another way is to contact a rhinestone company with a similar request, since you can reduce the compulsory motor vehicle insurance premium for free online on the website of many companies.

You must fill out the online form provided to contact this organization. After sending all the information to the insurer, the driver needs to wait 1-2 months for his decision.

You can also personally deliver the application to an employee of the organization. In this case, the policyholder writes it to the head of the company in two copies and indicates the grounds on which he makes this claim.

Once the applicant submits his application to the company, it is registered by the secretary. If he refuses to do this, you must send the application by registered mail.

In most cases, the insurance company will accommodate the driver halfway. If this does not happen, then you need to contact the Central Bank.

An application for KBM directly to the RSA can be easily completed electronically. RSA has created a single electronic mailbox where you need to send an application and attach a scanned passport and driver's license to it.

A very effective way would be to contact the Central Bank. The Central Bank website has a convenient complaint form, in which you need to find the section “Insurance organizations” and then OSAGO.

When checking your MTPL discount, you discover that there is no discount or it is less than it should be? gives an error message " 801 - KBM not found, standard class returned"? Perhaps everything is simpler than you think - maybe you were involved in an accident? But if you are still sure that your KBM is incorrect, check out the possible causes of the error, which are outlined in this article.

You are checking your KBM incorrectly

First, make sure how accurately you assess your potential CBM.

• For every year of accident-free driving The discount increases by 5%, and the class increases by one. Exactly in a YEAR! If you only traveled for six months, you are not entitled to a discount. For example, if you included a spouse or friend in the middle of your policy.
• The discount is valid for one year after the expiration of the MTPL policy, and after that it burns out. If you have accumulated a good discount, and then took a break from insurance for more than a year, then you will have to accumulate CBM again.
• Maximum discount 50%, which corresponds to class 13 KBM. Therefore, do not be surprised if the previous class is 13, and the next one is the same.

The agent or manager deliberately hides your discount

Naturally, it is more profitable for the insurance company employees to sell you more expensive insurance in order to receive an increased commission. Therefore, they take advantage of the financial illiteracy of clients and simply do not give you the discount due to them, citing lack of connection with the RSA database.