KBM restoration service. Changing the KBM when changing a driver's license Restore the KBM with feedback
Every car owner is required to insure his liability and purchase. For each year of renewal of the policy, the driver must be given a discount of 5 percent.
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The main thing is for the driver to avoid road accidents. The discount on the cost of the policy is called, that is, KBM, which is checked against the RSA database. However, the presence in this case does not have any significance.
Losing a discount can happen due to many reasons. And there are several ways to restore it. Unless, of course, the loss of such an advantage was not due to the fault of the driver himself (for example, etc.).
There are certain rules that must be followed in order not to lose the accumulated bonus when changing your driver's license.
Reasons for change
If a driver's license is lost, stolen or changed, the car owner is issued a new document. The reason for the change could be any.
When taking out a policy, the client of the insurance company provides its employees with a new driver’s license with a changed series and number.
When an insurance company operator enters changed data on a new document, it turns out that the data that was there before changing the driver’s license was not transferred to the insurance companies’ database.
The bonus-malus coefficient is a well-deserved reward for experienced drivers who are not the culprits of the accident. If the value of the BMR reaches its maximum, then this reduces the price of the policy by half.
The bonus malus accumulated over a long period of accident-free driving may change. It becomes larger or even reduces to the standard value of 1, which is usually used in calculating compulsory motor liability insurance for drivers who have no experience.
This phenomenon does not please car drivers at all, so they should know how to restore the KBM in the RSA database and return it to the correct value.
But first of all, you need to consider the reasons why the coefficient was incorrectly calculated:
- If the driver’s license was changed during the last year of driving, then the insurance company employees may not have indicated the number of the new license in the AIS RSA database. In this case, the discount returns to class 3, where the coefficient is equal to one. This may cause a change in the BPM.
- If over the last year the owner of the car was included in several auto insurance policies, then there is a high probability of confusion. Since the first policy included one driver, and the second one included several. At the same time, other drivers could have a much lower KBM. To ensure that the insurance company does not count the wrong CBM, before starting restoration, you should definitely check how many policies the owner of the car is included in.
- The reason for the restoration of the KBM may be a common mistake by the insurance company employees and incorrect data was entered into the AIS RSA system.
- Data on the latest MTPL policy may not have been entered into the electronic RSA system in the event of liquidation of the insurance company.
The database unites all MTPL insurers. It is mandatory to enter information at the end of each year.
Only insurance companies, but not RSA itself, have the right to enter information there and restore the KBM.
The Union of Auto Insurers acts as an intermediary between the driver and the insurance company.
Actions to restore the KBM
Many drivers are faced with a rather unpleasant situation when, when renewing their MTPL policy, they are told that they do not have a discount. Then you need to proceed in the following order:
Restoring KBM if there are no old policies
The pressing question is how to restore KBM if there are no old OSAGO policies in 2020. Algorithm of actions:
How to restore KBM after replacing a driver's license
Responsible drivers should know how to restore KBM after replacing a driver's license. Since in this case the owner of the car is issued a new document.
By taking out a policy, the driver provides the insurance company with a new driving license, with a changed number and series. The insurance company operator enters them and it turns out that the old ones were not transferred to the database. In this case, the driver is given a coefficient of 1.
Sometimes vehicle owners take advantage of the lack of information about KBM when changing their license.
In the event of an accident on the road, the culprit of which is the client of the insurance company, when taking out a compulsory motor liability insurance policy, the coefficient increases significantly. Then it is more profitable for the culprit of a traffic accident to change his license, pay the tax and purchase a policy with a coefficient of 1.
Many people are interested in how to restore KBM after losing their rights. First of all, you need to write a corresponding application to the insurance company.
Be sure to indicate that a replacement of rights occurred and the date of replacement. At the end of the application, it is necessary to submit a request to retain the assigned KBM. The series and number of the old ID are located on the back of the new document.
Not all car owners know exactly where to write to restore the KBM. The answer is clear.
To restore the discount that the driver previously had, you need to contact the insurance company itself where the MTPL policy was issued.
There is no point in postponing such actions, especially when the document changes during the policy period. A company employee enters new driver's license information into the insurance policy and enters it into the organization's database.
With some insurance companies, you can submit an application online.
There is another way to apply. This can be done through the official website of the Russian Union of Auto Insurers.
But only if you have access to the Internet. On the website you need to find the appropriate section and download the ready-made application form http://www.autoins.ru/ru/appeal/.
All fields of the form are filled in completely, after which the document is sent to the email address indicated on the RSA website. Then, its consideration begins.
In addition, on the RSA website - http://www.autoins.ru/ru/index.wbp, by calling the hotline number you can get specialist advice on any questions you may have. The application can also be made in any form.
At the driver's request, the application can be sent by mail. The letter should be sent with acknowledgment of receipt.
In accordance with the law, no more than 30 days are allocated for consideration. During this time, the responsible organization must check all submitted documents.
If the answer is positive, the KBM is obliged to correct it. In addition, the insurance company must return to the client all overpayments under the policy. To do this, you need to write a separate appeal.
Video: How to restore and correct an incorrect KBM OSAGO class in the RSA database? Where to check? How to find the error?
To correct the KBM in the RSA database, you need to submit the following documents:
- Old insurance policies, if available, can serve as evidence of a change in driver's license.
- Certificates confirming insurance losses.
- Photocopy of driver's license.
- Photocopy of passport.
- Copies of passports of other vehicles, If there is a policy and it indicates the right to drive.
Thus, if drivers find themselves in a situation where the database fails when calculating the coefficient, it can be restored in the RSA database.
Car owners who disagree with the bonus-malus coefficient (BMC) used when calculating the discount on MTPL insurance are given the opportunity to correct it. Now, in accordance with the law, it has become much easier and faster to correct the KBM in the AIS RSA database, which will allow you to receive your discount for compulsory motor liability insurance with a grant. Let's look at ways to return the KBM value. So, the legal restoration of the MTPL discount can be done in the following ways.
How to restore the KBM with a guarantee in 1-3 days?
Leave a request or call the numbers listed on the website.
Contact our office in your city: List of cities and contacts.
Making corrections to the KBM through the insurance company
How to restore KBM under OSAGO in the RSA database? If you are sure that the wrong KBM was used in the calculation, contact your insurer directly or the company where you intend to apply for compulsory motor liability insurance with a corresponding application to change the coefficient. The application is being considered. You can submit this application online. To do this, use the online service for restoring the BMR value for the following insurance companies. Consideration of an application for the restoration of bonus malus can take up to 2 months.
Online services of insurance companies
Where to submit an application for restoration of the KBM through the RSA?
There is an opportunity to write a request to RSA. Methods for sending an application to RSA to make changes to the coefficient in the database:
- Electronic single mailbox created by the Russian Union of Auto Insurers. This is the office of the organization where applications and scans of necessary documents are accepted online. In the recipient field of the letter you need to indicate the email:
- Residents of Moscow and Moscow Region can bring a package of documents themselves (or send by courier). Office adress: Moscow, Lyusinovskaya st., 27, building 3, postal code 115093. Correspondence is accepted on Tuesday (15.00-18.00), Thursday (9.00-12.00).
- Citizens of other regions of Russia should send letters to the address: Lyusinovskaya str. 27, building 3, Moscow, index 115093.
Any of the specified delivery methods is legally official, but you need to take into account the speed at which your letters arrive, since postal items arrive somewhat later than electronic ones.
Where does the KBM value error in the AIS database come from?
KBM is used as an adjustment factor when calculating the MTPL insurance policy. For the driver, he determines the number of insured events that occurred due to his fault. For safe driving (without accidents), drivers are rewarded with discounts on compulsory motor insurance (5% for each year, but not more than 50%). On the contrary, those responsible for road accidents receive an increasing coefficient, which is 1.4–2.45.
If the driver has changed his license plate, the KBM data in the AIS will not correspond to reality, unless the driver has provided the insurer with the data of the new license plate. The situation is similar when replacing a civil passport. If the documents have been changed, notify the insurance company, otherwise the MTPL discount will be cancelled.
Have a question?
Perhaps you will find the answer in the comments below.
Questions and comments on the issue of changing the value of KBM in the AIS RSA can be left in the appropriate field below.
The bonus-malus coefficient (BCM) is the only correction factor that allows you to reduce the cost of compulsory motor liability insurance. After concluding an MTPL car insurance contract for the first time, the driver is assigned class 3 (i.e., KBM equal to 1). For every year of driving without accidents, its class increases by one point, which provides the driver with a 5% discount on the cost of insurance. The maximum discount can reach 50%, but to receive it you must not become a participant in an accident for 10 years for which the injured party received insurance payments.
KBM accounting is maintained by the Russian Union of Auto Insurers (RUA). The database is filled with employees of insurance companies, who are required to enter information about the driver’s policy after concluding a contract. In practice, there are cases of negligence in maintaining the database, which manifests itself in the absence of information or entering it with errors. In order not to lose bonuses, information must be checked at least once a year after concluding the next contract. If errors are detected, the KBM can be restored for free
The KBM will no longer be reset to zero when you take a break from driving, as it was before, the discount will remain unchanged. Now the KBM will be assigned to the driver once a year on April 1 and will not change during the year. If suddenly a car owner becomes the culprit of a traffic accident on June 1, and on July 1 wants to buy a compulsory motor liability insurance policy, then the bonus-malus coefficient (BMC) will be set for him as of April 1 and it will remain so for a year, until April 1 of the next year.
How to return KBM under OSAGO through RSA
You can check which coefficient is applied when concluding an insurance contract on the official website of RSA. To do this, you need to enter your full name, date of birth and driver’s license details in the appropriate fields.
If inconsistencies are detected, you need to understand the reasons for their occurrence. These may include:
- change of surname or driver's license;
- the driver was included in policies with several drivers whose BMR is lower;
- errors by insurance company employees when entering information into the system;
- liquidation of an insurance company, as a result of which information was not entered into the system.
To apply, you can fill out an application on the RSA website, describe the situation and attach documents confirming the driver’s identity and the fact of an error in the system. The application can also be sent by mail. The period for consideration of the application is 30 days.
Application to change the KBM in the RSA database
In order for the consideration of the application to lead to the desired results, and the information about the CBM to be corrected, it is necessary to correctly explain the reason for the application and clearly formulate the requirements for the insurance company. The application must contain the requirements:
- restore the KBM class, for which it is necessary to explain what the coefficient should be and document this by attaching compulsory motor liability insurance with reliable data;
- recalculate the cost of the insurance premium and return the excess amounts transferred;
- make changes to the policy; enter the correct data into the RSA database.
If, since the distortion of the coefficient, there have been several policies in different companies, you will have to contact each of them sequentially.
KBM return service
You can submit an application on the websites of insurance companies. All major companies have feedback - Ingosstrakh, Rosgosstrakh, VSK, Soglasie, AlfaStrakhovanie, MAX, Uralsib, RESO.
Free restoration of KBM is a lengthy process. If you need to resolve the issue quickly, you can contact special services for returning KBM, which provide services for a fee. The cost can vary between 500-700 rubles. Services operate on a prepaid basis. According to online reviews, many companies actually restore the coefficient within a day. But cases of fraud are also quite common.
Required documents
To restore the KBM, you will need documents that will allow you to identify the driver and restore the actual state of affairs. It can be:
- driver's passport;
- driver's license;
- insurance policies for the previous period;
- certificates from the insurance company about the absence of insured events;
- certificate from the traffic police confirming that there are no accidents involving the driver.
You can send an application without documents, but the likelihood of a positive decision in this case is significantly reduced.
Dear clients and partners, our KBM restoration service operates 24 hours a day, 7 days a week in two modes:
1. For retail clients, a convenient online application form for the restoration of KBM and online payment in a convenient way without commissions. Only paid applications will be accepted. If you have any difficulties with payment or any other questions, write to the head of the KBM service or use the KBM restoration application form with the help of our employee. For each paid application, within 1-5 business days you will receive an answer to your e-mail about the results of the correction. If the KBM according to your application cannot be changed, the money is returned automatically within 3 days to the card from which the payment was made.
The retail price of applications for the restoration of KBM in the RSA database is 150 rubles, however, we are always ready to provide discount codes for auto and motorcycle clubs, various online communities, and forums. Also any of our retail customers who previously placed an order for KBM or OSAGO, can get discount codes. To receive discount codes, write to the head of the service or e-mail retail@site
2. For registered partners ( our employees and wholesale customers of electronic MTPL policies) in a special interface Workplace, available after logging in to the site. Registration of partners is carried out by the head of the KBM service at a special price.
The workplace provides the following opportunities:
Post-paid processing of applications for restoration of KBM, settlements on Fridays.
It is possible to set up the work of subordinate employees and agents in prepayment mode.
A convenient order log where you can view the history of your orders, set filters by periods, subordinate employees, and execution statuses.
Formation of your own structure of subordinate employees and agents at an arbitrary price and payment frequency (at your discretion).
Settlements with the partner are carried out for the entire number of requests from his network, multiplied by the partner price; the partner makes mutual settlements with his subordinates independently.
Make payments to subordinate employees and agents, edit the employee card and send them a message that will be shown in the application log.
Basic provisions and rules of operation of the KBM restoration service:
1. Applications accepted for processing cannot be canceled or changed. Please check your details carefully before submitting. If the KBM was changed according to your erroneous data, this application is considered completed.
2. Each application in the process of completing execution takes one of two statuses: “refused” or “completed”. For partner access, only completed applications are taken into account when calculating the debt; for retail clients, money is automatically returned for “refusal” statuses.
3. The processing time for applications for correction of the KBM in accordance with the RSA regulations is 1-5 business days. Processing takes place in 2 stages. At first, applications are automatically processed; if successful, you will receive a response within 1 day after being hired. Otherwise, the application is subject to manual review and its processing takes up to 5 working days. According to our service statistics, most are processed within 1 day.
4. For completed applications, the date of the new CBM value in most cases is equal to the expiration date of the current MTPL policy. But it can also be set on the day of execution. This does not depend on the KBM service, and is determined by the RSA regulations. Use the form to check the current value of the BMR for the desired date.
5. The head of the service does not comment on the results of fulfilling requests regarding the questions: “why was the refusal?”, “from what date was the new KBM installed?”, “why was it reduced by so much and not so much?” etc.
6. Changing the KBM occurs exclusively within the framework of the legislation and regulations of the RSA, raising the entire history of the driver or owner.
How is KBM calculated?
KBM - discount for accident-free driving is calculated according to the table:
Initially, all drivers have class 3 KBM, i.e. coefficient 1 (no discount). For each accident-free year, the discount increases by 5%, or 0.05. Each accident accordingly reduces the class of the vehicle and increases the coefficient. If the driver has had a pass on MTPL insurance for more than a year, then his class becomes 3 (the entire accumulated discount is lost). When using unlimited compulsory motor liability insurance, the KBM changes only for the owner of the car; with limited insurance, the KBM discount accumulates for all registered drivers.