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Behind the kerm

What is KBM?

About home economics

It’s no secret that the risk of OSACV auto insurance lies in the number of driving experience and the number of accidents that were caused due to your fault.

When growing...

KBM stands for bonus-malus coefficient - one of the parameters that indicates the validity of the OSACV policy in Russia.

Since the beginning of 2013, it has been impossible to write out an OSACV policy without asking for a coefficient based on the automated system of the Russian Union of Motor Insurers (AIS RSA).

Insurance broker K-insgroup offers the service, but the number of requests is not limited.

It’s no secret that the risk of OSACV auto insurance lies in the number of driving experience and the number of accidents that were caused due to your fault.

The bonus-malus coefficient (BMC) is an indicator that indicates the level of discipline of the transport operator.

It is used by insurance companies in order to ensure the validity of issuing an OSACV policy.

The KBM was launched in 2003, and the principle of its significance and the mechanism for providing reductions under the hour of laying down the insurance contract has changed several times.

How to determine the bonus-malus coefficient

As a result, confusion is often at fault, so you may need to check the coefficient against reliable resources and databases.

Before them, visit the official website of the RSA, the Russian Union of Motor Insurers, which maintains a register of insurance policies, and obtain additional information about which is collected in the AIS RSA (automated information system).;

In order to check the KBM OSACV on the unified RSA database online, you must enter information about the driver to the transport department, which is due:

PIB Vlasnik;

Date of yogo people;

Details of the confirmed water;

The date of the molding is recorded in the RSA.

In which section indicate the day that occurs after the end of the term of the OSACV flow line.

After entering the specified information, in all entry forms, check the box in accordance with the rules for processing and submitting data established on the site, and then click on the “Check” button.

Within a few seconds, the data that the customer needs to click will be displayed on the screen, after which they can be used when expanding the price of the policy.

It is important that the verification service is carried out without harm.

Didn't you get into the KBM?

Since 1 June 2013, the decree of the Russian Federation introduced a mandatory rule to verify the insurance history of vehicles on the basis of the Russian Union of Motor Insurers (RUA).

This was created for the implementation of the program on the OSACV policy.

What is the language about?

If the water is not lost in an accident during the insurance period, then the insurance policy can be added with a 5% discount, the maximum amount of the discount for non-billed water will be 50% of the value of the OSACV policy.

If you want to buy a cheaper MTPL, choose carefully.

The book is called: coefficient bonus-malus, or KBM.

Would you like to check the KBM RSA?

On the website of the company Renewal of Purchases you can check your bonus-malus coefficient (BMC) online.

The verification of the KBM is carried out behind the RSA database, so you may not have to worry about the reliability of the statements, but you will see in the results the same values ​​that the insurance company gives them.

Bonus-malus class table

The results of the robotic service will give you your bonus-malus class – ce KBM.

To find out which CBM for OCCA is appropriate for your class, check out the table below:

• If your class is 6, then KBM = 0.85 means the grade of the OSACV can be multiplied by 0.85.
• Yak vikoristovati?

The “bonus-malus” coefficient (BMC) is one of the main indicators for calculating the value of a compulsory motor vehicle insurance policy (OSCV).

This insurance reduces the price of insurance for safe drivers and increases it for drivers with risky driving styles.

KMB is closely related to the insurance class that is assigned to water.

The rules for assigning classes and structuring the KMB are prescribed by the official edition of Appendix 2 of the Instruction to the Bank of Russia dated 09.19.2014 N 3384-U on the size of base rates and coefficients of insurance tariffs.

What is KBM in OSACV

The "bonus-malus" discount system changes the price of an insurance policy based on the insurance history of a particular insurer. The Latin word “bonus” is literally translated as “good” and means a bonus, a gift. For a period of water without accidents that caused insurance payments, insurers will want to insure water insured persons with a 5% reduction in the insurance premium for the upcoming period.

And, by the way, those responsible for some accidents that cause insurance payments are punishable by additional charges. Tse malus (from the Latin “abuse”).

What is the water class?

Bank of Russia unbundled

special table

This relates to the number of accidents allowed by drivers that resulted in insurance payments, with a numerical multiplier (the “bonus-malus” coefficient).

You can also learn about it on the official website of the Union of Automobile Insurers (RUA).

Table KBM OSACV based on SAR - low class.

Due to accident-free accidents, the water class is assigned and the BMI changes by 5%, which is likely to be a larger reduction than is paid by the insurer.

And finally, the class will be lowered, and the level of the field will increase in the number of accidents that have occurred.

How to properly develop a CBM OSACV based on SAR?

Having avoided a water accident that caused an insurance payment, the 3rd class assigned to my child is moved to the 4th, with a CMB of 0.95 and a 5% reduction.

In the event of one accident that causes an insurance premium, from the 3rd class the driver will drop to the 1st, from the KMB 1.55, which means the policy will cost the careless driver 55% more expensive than the standard. In case of two or more accidents, insurance will be at two and a half times the price of the base rate, and even a premium of 145%.

For a driver who has a high class of water, for example the 8th, insurance for the first accident will increase slightly, and the class will drop to the 5th, and at the time of entering into an insurance contract for the onset of the river. є a 10% reduction to replace the amount of money in the 8th grade there is a 25% reduction.

Inspection of CBM waters at the OSACV base

How to check KBM water based on RSA online?

To check the Bonus Malus RSA coefficient online, you need to go to the official website of the RSA, where you just need to enter the serial number and number of the driver (VU), as well as personal data of the driver: name, name, father’s name and date Zhenya..

It is necessary to confirm the date of the completion of the OSACV agreement.

Subject to clause 1.10 of the Rules for civil liability insurance of transport carriers, the insurance company, having made changes to the statements assigned to the OSACV agreement, must submit them to the insurer’s insurance policy, and then, no later than 5 business days, then to the RSA information system.

If these changes are not made to the policy before the end of the term of the current day, the IBC of the water can be updated with the number of the previous certified water, assigned to the new VU, in the “Special icons” field.

2. The book has been “ruined”.

• 2.1.

• It is important to determine if any insurance company has been reset to zero.

You can do this by searching for the designated dates for all insurance periods on the KMB verification page on the RSA website..

• It's not good to know the current insurance policies.
• Go to where the driver appears among the drivers of other cars, as there are special notes about those to which the class has been assigned.

• 2.2.

Then the money is accumulated and sent to the insurer, who has accepted the offer from the registered KMB.

If there are any positive results, the criminal case is submitted to the RSA and the Central Bank of Russia, then a further application is submitted to the court.- The coefficient of insurance rates depends on the availability and availability of insurance coverage provided by insurers in the advance period, from 1 quarter of the advance period to the 31st period, including the subsequent period compulsory civil liability insurance for the transport sector.