Today, most drivers are familiar with the concept of KBM. It means "bonus-malus coefficient." This value is an integral component in calculating the insurance policy.
What values can this coefficient have?
It is known that certain coefficients are used to determine the cost of a general liability policy. Such as territorial, power and others. These indicators are multiplied by the base rate, which also has different values, depending on the type of vehicle and its owner.
The minimum BM value is 0.5, and the maximum is 2.45. At the initial conclusion of the contract, provided that the driver fits into the OSAGO policy for the first time, KBM is not calculated, its value will be 1. Then, for each year of accident-free driving, the driver will be deducted 5%. Thus, after a year of driving, he will have a different calculation of MSC, its value will be 0.95. And so on, until its BM reaches its maximum value. Calculation of KBM is done every time before the conclusion of the MTPL agreement. The value of the malus bonus equal to 0.5 can be obtained after 10 years of accident-free driving.
If the driver has an insured event, then the bonus-malus coefficient increases. For example, the driver had one accident due to his fault, while he was calculated by the KBM before the conclusion of the contract, and its value was 0.9. After an insurance event and when applying for a new year insurance policy, it will have a BM equal to 1. When several insurance events occur during the term of the contract, this coefficient increases several times, its maximum value is 2.45.
How to find out the value of the malus bonus
Drivers should be aware that all insurers are required to submit BM information to the RSA. Therefore, to find out the meaning, you need to go to the PCA website. The site has a special form, filling in which you can find out the calculation of KBM on the basis of the SAR. To fill out this form, you must have information about the driver, which is presented in his rights. If you have a driver’s license, you can proceed to filling out the form.
How to calculate KBM based on SAR
On the official website of the Union of Auto Insurers you need to find the MTPL tab, then go to the "Information for drivers on the provision of BM information" page. After being redirected to the desired page on the site, you can proceed to fill out the form. It’s important to see that the “Limited Driver Circle” button is selected. This option is by default. Next, fill in the data about the driver. Then the start date of the contract is indicated. It is also necessary to enter a verification code and then send a request to the PCA. After processing the information, the system will give out the value: calculation of the CBM of OSAGO RSA. Information will also be provided on the latest policy and the name of the insurance company where it was issued. If you need to check several people, each time you need to enter new data.
Features of the policy without restrictions
If you plan to conclude an agreement with an unlimited number of drivers, then BM is determined by the owner of the vehicle. In order to find out the value of this coefficient, you need the passport details of the owner and the identification number of the car. A PCA database is also used to determine the value. Calculation of KBM is carried out on the same page where BM is determined by drivers, a tab is selected, which is called "Without restrictions". Next, fill out all the necessary fields of the form in accordance with the document that certifies the identity of the owner. An identification number is also entered.After that, the contract start date is selected, a verification code is entered and a request is sent to the PCA. The calculation of the KBM is issued after the request is generated, this value will be used to calculate the value of the contract.
What bonus malus is used if several people are allowed to manage
It is important to know that when several drivers are allowed to control the machine, the KBM of each of them looks. Further, when calculating the cost, the largest indicator is taken. Namely: if two people are admitted to management and one has a bonus-malus of 0.75 and the other has 0.9, then the second value will be taken into account when drawing up the contract.
Is it possible to challenge the value of the MSC
There are cases when a person does not agree with the value of BM. For example, he knows for sure that for several years he traveled without accidents, and the system gives a KBM equal to 1. There are several reasons why this situation may arise.
- The insurance company where the last contract was drawn up did not submit information to the RSA.
- The driver had a replacement of rights, and he did not inform the insurer about it.
- Someone without his participation entered it in the insurance with the lowest value of the KBM.
- For more than a year the driver has not been inscribed in any valid contract.
Currently, insurance companies have a practice that allows you to restore a lost discount. First you need to understand the reasons for losing the desired value of the MSC. If you can’t do it yourself, it is recommended that you contact an insurance company where a valid policy exists. When contacting the insurer, you should ask for clarification of the situation why, when calculating the policy, a coefficient with such a value was used. Next, you need to write a statement of disagreement with KBM and send it to the insurance company. You can do this in various ways, for example by e-mail, deliver in person or fill out a form on the company's website. Usually, a response is provided a couple of weeks after treatment. Policyholders are encouraged to verify the value of the bonus-malus after submitting the application.
