Updated: 07/29/2019 5326

How to restore KBM - 3 ways. Step-by-step instruction

Hello, dear readers! I am with you again, Ilya Kulik, and today I will tell you how to restore the KBM of your vehicle.

After a two-fold increase in compulsory motor liability insurance tariffs on the bonus-malus coefficient (BMC), drivers began to pay much more attention than before, when insurance was almost cheap. Now, most motorists take the KBM discount into account in their budget and, accordingly, make more efforts to increase their insurance class.

However, often, after the next insurance, when replacing rights and in some other cases, the value of the BMR, after re-checking it, turns out to be unreasonably inflated, which automatically increases the cost of the policy.

This is of no use to you, is it?

With the help of the tips from this publication, you can restore the KBM points you are entitled to and even get back the money unfairly overpaid to insurers.

Sometimes drivers, when renewing their car license, discover that the payment amount has unreasonably increased, and the discount does not correspond to the accumulated class and CBM: it has not increased to the expected value, has sharply decreased or disappeared altogether.

In this regard, you should first know that since July 2014, information on the previous insurance period, for the correct calculation of the driver's insurance class and insurance class, is taken exclusively from a database common to all insurance companies (IC).

The AIS RSA database (Automated Information System of the Russian Union of Auto Insurers) may contain data inaccuracies of various origins, leading to subsequent incorrect calculations.

But you should keep in mind that most often the driver simply misunderstands the principles of calculating the KBM - which is not a real error, but a misunderstanding. That is, if an error is suspected, the policyholder should not exclude himself from the circle of suspected causes. After all, the human factor must always be taken into account, right?

Possible reasons for reducing discounts that are not related to errors

Registration of unlimited compulsory motor liability insurance

You should know that if the previous insurances were ordinary (with a limited list of drivers), then according to the established rules, all previously accumulated insurance points are taken into account only if the same vehicle (V) is used.

That is, when applying for this insurance, the full name of the driver and his vehicle (make/model, VIN code, etc.) must completely match those indicated in previous policies. In this case, you will retain your class and KBM. Otherwise (for example, when buying a new car), your class will be reset to standard third (KBM = 1).

Permit to drive multiple vehicles

If the driver is included in other MTPL policies, then his accumulated points may not be taken into account in accordance with their values ​​if they are higher than someone else’s points indicated in the same policy.

Different policies, even those belonging to the same driver for different cars, may have different discount points (KBM, classes), depending on what points the registered drivers have.

The general rule: in an insurance with several drivers allowed to drive, the BMC value is taken from the driver who has the lowest. Today, with the introduction of a common AIS base, it will not be possible to hide the presence of a driver being included in another insurance (for example, by changing the insurer).

Let me give you an example: A husband and wife each have a car. The spouse has a BMR value of 0.5 (maximum), while the wife has only 0.95. The wife is included in her husband's insurance. Therefore, the cost of the policy for the spouse and his car will be calculated in accordance with the spouse’s BMR - equal not to 0.5, but to 0.95.

Interruption of insurance period and making changes to the policy

As you know, driving insurance experience is accrued based on the continuity of accident-free driving (for a full 12 months) and a break in it for more than a year leads to the reset of accumulated insurance points.

Insurance points increase by a 5% discount annually (subject to accident-free driving), but this increase is not accrued when purchasing insurance for a period of less than 12 months and when making changes to the policy (for example, allowing another driver to drive a vehicle).

Typical causes of most errors

Changing your driver's license

This is a very common reason leading to incorrect calculation of points by the insurer. The blame here lies mostly with the driver, since the license is a personal document, with all the attendant responsibility.

Most often, women change their license (when they change their last name), but they usually forget to follow the rule: if the driver changes his license, he is obliged to notify his insurer about this. Oh these women...

As a result, during the next insurance with a new insurer, the information provided will lead to a discrepancy with the old ones available in the RSA database.

And this will not only lead to an error, but in general to a completely legal start of a new insurance history, since according to the AIS RSA, this driver will be considered a different person.

Liquidation of an insurance company

If the insurance company is liquidated (for example, due to bankruptcy, license revocation, etc.) before it transferred your data to the AIS system, then, naturally, there will be a gap in the insurance history, which can lead to the loss of points.

Entering your data into the AIS database must be carried out on a mandatory basis at the end of each insurance year and this is the prerogative of insurers, and not RSA, which is only an insurance arbiter.

Of course, anything can happen over the course of a year, including the liquidation of your insurance company, which may be negligent in the procedure for terminating its activities and not sending the available information to the AIS.

Human factor

And these are the real mistakes made by insurance agents. Here it is critical to correctly fill out personal identifiers: full name, date of birth, etc. Even one wrong letter or number can lead to incorrect or problematic reading of your data by the AIS system.

If you read it incorrectly (this does not happen very often), for example as a result of a distortion of your last name, the AIS may mistake you for another person. And in case of a problem, when the system itself detects any incorrectness or discrepancy, it marks your directory as erroneous.

In both cases, upon subsequent insurance, the points will be reset, so be careful when providing your data to the agent and control this process.

Restoration of KBM

Preliminary actions

There are several ways to restore the KBM. All of them are based on official appeals to various organizations.

But before you make these requests, you need to prepare for them in advance:

• Collect documents;
• Determine who made the mistake and when.

Documentation

You need to collect the necessary documents, convert them into electronic scanned copies and print out paper versions - they will be needed as attachments to subsequent electronic and postal requests.

Here is a list of the documentation required in this case:

• Personal passport – scan and photocopy of the first page;
• Driver's license - full scan and photocopy;
• Insurance policies – full scan and photocopy of all copies that you have.

If you do not have old policies (they are irretrievably lost in paper and digital form), then be patient and contact each of your insurance companies for the appropriate certificate on the existing contract.

Today they do not have the right to refuse you such an insurance company and are obliged to provide the document within 5 days. These certificates will replace lost policies in the process of restoring the KBM.

Finding the error

You need to try to independently determine which insurer and at what point the mistake was made (at least approximately) - this will significantly speed up the recovery process.

To do this, write down the data you have: the dates of the conclusion of the insurance contract in relation to each of your insurers. Then, on any online service, conduct a check-search for KBM.

In the MTPL policies themselves, the KBM is usually not specified (sometimes the class and KBM are included in special notes, but not always), because of this, it must be determined for each year independently, and verification is needed for each month of each insurance period.

But this is not always required - if you have previously checked the cost of compulsory motor liability insurance using an online calculator every year and know for sure that everything was fine, then the reason for the incorrectness of the insurance points will be the most recent contract.

And if there were no annual inspections, then go through all the periods, starting with the most recent one. If you find an erroneous discrepancy, do not stop and check further - it may not be the only one.

Attention! When making calculations, take into account changes in tariffs for compulsory motor insurance in recent years.

Now you can proceed directly to restoring the KBM. Ready? Then go ahead.

Recovery procedure

The procedure for restoring a KBM today is much easier than before - usually it is enough to contact one, or less often two, organizations. This is due to the strict position in this area of ​​the Central Bank of the Russian Federation, which has many powerful levers of pressure on any insurance companies.

Thus, in 2015, Rosgosstrakh was temporarily deprived by the Central Bank of the Russian Federation of a license to issue compulsory motor insurance due to non-transparent methods of conducting insurance business and a large number of complaints from the population.

This serious act has become indicative for all other less significant companies, which are now trying not to cheat, but to deal honestly and restore the points assigned to drivers, since there is too much at stake - an insurance business license.

Here is the current optimal sequence of calls to organizations for the restoration of KBM:

1. Contacting an insurance company;
2. Complaint to the Central Bank of the Russian Federation;
3. Complaint to RSA;
4. Additional features.

Let's look at all this in more detail.

Contacting an insurance company

From the above list, the most effective is a complaint to the Central Bank, but note that it is in second place. And this is not without reason, since it is now assumed that the bulk of the problems related to the restoration of the KBM will be solved by the insurers themselves.

Since December 1, 2015, they have been officially charged with the responsibility of considering and solving emerging insurance problems at the request of citizens.

There are serious sanctions for ignoring them. The state has finally taken on a long-standing problem, which is encouraging. Do you agree? Now, to restore the CBM, you can contact your current, or even your chosen future insurance company.

The official website of a decent insurance company should have a special online form for citizens’ requests, including on the issue of restoring the KBM, with the ability to download the necessary documentation in electronic form.

If there is no such form on the website of your insurance company, then send them an appropriate application addressed to the general director of the company by e-mail. This application is drawn up in free form, and as a sample you can use the form of a similar application in the RSA, changing the details of the header.

Helpful advice:

At this stage, in order to generate more enthusiasm among insurance company employees, it would not be superfluous to simultaneously send a regular postal request to the physical address of the insurer, with a receipt confirmation and a list of attachments of printouts and documents. Well, it’s worth mentioning in the email that your message is duplicated.

Sample application to the insurance company - .

Complaint to the Central Bank of the Russian Federation

If within 30 days there is no decision from the Investigative Committee to which you applied, then you have every right to use “heavy artillery” - filing a complaint with the Central Bank of Russia.

However, please note that the Central Bank will consider your complaint regarding MTPL policies that expired no more than one year ago, although the request of this organization to the IC will concern all the contracts it has in your name.

Step-by-step instructions for filing a complaint through the Central Bank website - 4 simple steps

Step 2

On the page that opens, in the “Insurance Organizations” section, click on the subsection link “Incorrect application of KBM"

Step 3

In the form that opens, click the “No, proceed to filing a complaint” button and enter pre-prepared data in the appropriate fields: the official name of your insurer, the text of the complaint, date, address of purchase of the policy, region. Upload prepared scans of documents.

Step 4

On the second page, enter your information and contact information.

Your complaint will be considered by the Central Bank service within 10 days (a completely tolerable period). During this time, official requests will be sent to your insurer, which he will not dare ignore.

You can write a complaint in the usual way. Here .

Complaint to RSA

This option is presented as an additional option if for some reason the first two did not work, which rarely happens. It should be understood that this organization, despite the AIS database being under its jurisdiction, does not have the right to make changes to it.

But RSA has a very effective set of levers of influence on insurance companies, so it may well force them to fulfill their obligations to policyholders.

For citizens' requests, there is a special page on the official website of the RSA with all the necessary information. There is an email address to which the complaint should be sent and download links.

Additional features

Sometimes, in some rare cases, it may happen that all three of the above methods did not work. Anything can happen, right?

But if you are still confident that you are right, then, with the presence of collected documents, official refusal responses, just postal notifications of delivery of appeals and complaints, you have the right to file a lawsuit.

Alternatively, complaints can be sent in parallel to Rospotrebnadzor, FAS (Federal Antimonopoly Service) and the Society for the Protection of Consumer Rights - on the official websites of these organizations there are special pages for citizens’ complaints.

There is another very interesting opportunity for many: recently, some insurers, in order to lure clients to themselves, have been offering drivers free restoration of the vehicle at a professional level (if this is legal, of course), subject to the purchase of another MTPL policy from them.

Such services are offered, for example, by St. Petersburg “Osago Spb” and some other companies. Sometimes individual insurance brokers do similar things.

Return of overpaid funds on an incorrect KBM

Well, we sorted out the return of the KBM. But some drivers still have an unpaid debt from insurers in the amount of all misappropriated money for incorrect discounts (or lack thereof). And such a debt is sometimes quite considerable.

Is it possible to demand it from insurers? It turns out that it is possible!

Here's what you need to do to do this:

• First you need to restore your KBM.
• If you restored the KBM with the insurer, then you need to additionally ask them to recalculate all payments, determine the amount that they mistakenly owed you and offer to reimburse it. If the company is serious and values ​​​​its reputation, then they will not be too stubborn and everything will pass peacefully.
• But if at the very beginning you had complications with the insurer and had to involve the Central Bank of the Russian Federation, then from there, after processing your complaint, a notification letter should have been sent to your physical address containing a full recalculation of insurance premiums for the entire period and the final amount to be reimbursed.
• If your insurer KBM restored it itself, but refused to pay the debt, then write a complaint to the Central Bank and wait for a notification letter.
• When the notification letter is in your hands, make a copy of it and write an application for the return of the excess portion of the insurance premium in two copies. Here .

Then prepare two packages of documents.

First, you present it to the insurance company:

• Original notification letter from the Central Bank of the Russian Federation;
• Original application for refund;
• Your bank details.

The second one you keep for yourself:

• A certified copy of the notification letter from the Central Bank of the Russian Federation;
• A certified copy of the refund application.

With both packages, go to the insurance company, where each document in the last package (yours) must be certified by the insurance company employee to whom you handed the first package: something like “Accepted the documentation. Position, full name, date and signature.

That's all - the insurer is required by law to return your overpaid cash to the specified account within two weeks.

It is interesting that, according to the experience of some motorists who applied for a refund, they were the first to make such claims (as they were surprised to hear in the Investigative Committee). Probably, people, having returned their points, considered this already a good achievement and did not attempt to go further. That's it.

If you want to know additional details about the restoration of the KBM, they are available in this video:

• When purchasing another MTPL policy, if you have changed your driver’s license during the past year, you must enter a notification about this with the series/number of the old certificate in the “Special notes” field.
• To prevent insurance managers from making mistakes, allow them to independently rewrite all information from documents, rather than dictate it. Then check that the entered data is correct. This is especially true in cases of insurance by freelance agents.
• Keep in mind that since 2011, the insurer has no right to deprive you of insurance points, even if all the lost certificates, the data of which can be restored upon appropriate requests.

Conclusion

Now you know that KBM can be restored in three main ways and that now insurance companies are more scrupulous about this than before. You also realized that after the restoration procedure there is no need to be modest and forget about the overpayment amount due for refund.

Maybe some of you have had interesting cases regarding the restoration of KBM OSAGO and would like to tell about them? Then the comments and attention of my blog readers are at your service.

That's all for today, dear motorists. Wait for new useful publications, subscribe to their updates for convenience, press the buttons on social networks and drive your cars carefully, accumulating maximum discounts on KBM!

More on the topic:

Comments to the article: 64

Ilya

01.11.2016 | 01:26

“all previously accumulated insurance points are taken into account only if the same vehicle (vehicle) is used.”

Wrong. The KBM is not tied to the car, it is tied to the driver.

“The husband and wife each have a car. The spouse has a BMR value of 0.5 (maximum), while the wife has only 0.95. The husband is included in his wife’s insurance, and if the insurer finds out about this (and if there is an AIS, this is inevitable), then he can decide to change the spouse’s class to the lowest option of the two - 0.95, and this is entirely within his right.”

Wrong. In this case, the cost of insurance for the lowest class is simply calculated, and nothing more. Higher class KBMs are not leveled to the lowest.

1. Ilya

   12.12.2016 | 13:23

   Hello, Ilya.

   The first place you indicated does not say that the KBM is tied to the car - you were mistaken.

   In the second case, yes, there is ambiguity, which is well explained in this article: "".

   Thank you for your vigilance, the text will be corrected.

   All the best to you, Ilya.

   1. Artem

      14.06.2017 | 20:11

      You answered that the text will be edited, but six months have passed and it’s still the same. And I still don’t understand why the accumulated discounts are not transferred to the new car? Everything used to change - has something changed recently? Could you point to a provision in the law where this is described?

      1. Igor (Ilya's assistant)

         10.07.2017 | 12:21

         Hello, Artem.

         We will answer you in order.

         First question:

         "Wrong. The KBM is not tied to the car, it is tied to the driver.”

         In what case is this really true? That's right - in case of registration of a classic MTPL. And in what case is the KBM calculated according to the car? That's right - in case of registration of unlimited compulsory motor liability insurance. These are two different forms of motor vehicle license and some of the rules associated with them differ. What is the subtitle of the text from which you took the “erroneous” fragment? That’s right – “Registration of unlimited compulsory motor liability insurance.”

         Second question:

         There were indeed inaccuracies in the example given - they have been corrected. Regarding the delay in this: a resource like the Kulikavto blog (this is only nominally an autoblog, but in fact a serious legally oriented site under development) requires a considerable amount of time, so the administrator does not always have time to correct certain details. In this regard, the management of the resource attracted additional specialists (including me) to process comments, which in itself is a rarity - on most auto sites, problematic sections of the text, unanswered comments, etc. places that require attention have been hanging for years. Therefore, treat these things with understanding.

         Third question:

         I understand that you have a problem with the loss of discounts on KBM when insuring a new car. The KBM is not lost when purchasing a new car, provided that a classic OSAGO is concluded, because in this case the points are calculated based on the driver. Loss of points may be caused by the reasons described in the article - transition to an unlimited form of compulsory motor liability insurance, mistakes of insurers (old and new), change of rights, etc.

         All the best to you, Artem.

         Oksana

         13.11.2017 | 14:02

         Good afternoon! Tell me what documents need to be attached in order for the overpayment to be returned (KBM was restored, a letter was received from the insurance company) by mail. Because if you go to the office it takes a whole day, now there is a new feature in Voronezh, Rosgosstrakh accepts one client for 1.5-2 hours. Thanks in advance.

Olga Ivanova

11.11.2016 | 07:30

Good afternoon Is it possible to restore the KBM if it was mistakenly reset by the insurance company 3 years ago? Now this insurance company no longer exists; it was purchased by another insurance company. The policy in which the reset occurred naturally was not preserved.

Ilya

11.11.2016 | 13:38

Nikolay

01.12.2016 | 21:25

under an unlimited policy (10 years) kbm 1 is this correct?

Natalia

12.12.2016 | 08:55

“This is especially true in cases of insurance by freelance agents.” It is managers (employees) who most often make mistakes, not agents. Because an agent is, as a rule, an experienced person, or a former employee of the insurance company who began working for himself. And a manager (specialist) is (mostly) a person who is just starting to work in the insurance industry. In my experience, this is usually what happens: first a manager, then a department head, then a deputy, then a director, and then your own agency (or better yet, a broker).

Maksim

03.01.2017 | 21:10

Good evening. In recent years, I have taken out an unlimited MTPL policy at the insurance company MSC and KBM, I had 0.55, but when I came to Rosgosstrakh, I don’t have KBM. What should I do?

Alla Mikhailovna

26.01.2017 | 16:27

Good afternoon, Ilya! When transferring from RESO to VSK (due to the lack of forms), there was a gap of 7 days between policies, which is why, according to the explanation of the VSK manager, the preferential KBM was lost. RESO has not contributed anything to the database. But I have all the old policies from 2005 with both insurance companies. Should I contact the current Investigative Committee (VSK) with a complaint and attach scans and copies of documents, or demand that RESO enter the data into the database? Or directly to the Central Bank? Thanks in advance for your answer.

Catherine

13.02.2017 | 20:36

Hello. Ilya, I have a question, the validity period of the insurance policy in Reso was from April 22, 2014 to April 21, 2015. The BMF was 0.70. When she came to the insurance agent, she didn’t find me in the database (I didn’t have the policy with me), although as it now turns out, I was. Due to family circumstances, it was necessary to leave urgently. Since there were only Rosgosstrakh policies, I had to insure there, the validity of the policy from 03/30/2015 to 03/29/2016 Is the KMB lost in this case? If not, how can I return it? Now SK MAKS from 03/30/2016 to 03/29/2017. Thank you in advance.

Catherine

14.02.2017 | 07:34

It was, because the contract was valid from 04/22/2014 to 04/21/2015. (I still have it in my hands.) It’s just that at the time I contacted the agent on March 30, 2015, I didn’t have it with me and I didn’t remember the expiration date of the contract. She didn’t find me in the RSA database. It turns out that the insurance was issued 21 days earlier, only in a different insurance company.

Leonid

16.02.2017 | 09:28

Hello Ilya! Thanks to you, I restored my KBM. The IC office is 200 km from our village.

To return the overpaid money, I am not able to travel. Can I do this

via mail or internet and how? And further. From 2015 to 2016 - Rosgosstrakh policy. From 2016 to 2017 - Guardian. Now Reso. Who will return?

Sergey

17.03.2017 | 17:25

Good day! In 07-08 Was class 5. In 08. I bought a new car and another insurance company applied class 3. I missed it (human factor). How can I restore the KBM now if I have all the policies since 03? The current IC could not - the answer is that there is no data in the AIS RSA.?

Anatoly

18.03.2017 | 11:53

Hello Ilya! I lost my KBM in 2014 (it’s a murky story) there was no accident through my fault. The entire period of my break according to the RSA analysis was 1 year and 4 months, but for this period I was included in the insurance of my son KBM for both 0.6 (for there is no accident either). Question: Have I saved the KBM? And another question: Was there a regulation or decree on the suspension of compulsory motor liability insurance in 2012, 2014 or 2015 and for what period?

Galina

22.03.2017 | 01:22

You write that from the Central Bank, where I applied to restore the KBM, there should have been a letter with a full calculation of the debt for insurance overpayments for previous years and with the amount of the overpayment, but they only calculated the insurance for this year. Over the past 10 years, I have been incorrectly charged KBM, and now I would like my money back. Thank you.

Andrey

24.03.2017 | 01:59

Hello, in 2015, the insurance company reset my KBM to zero (I didn’t understand what it was then). Now, despite the fact that I have been driving my KBM 0.95 without accidents for more than 7 years. And the cost of insurance is steep. The insurance company that reset this “MAX” has been insured with Insurance Company Strazh for two years. Is it possible to restore the KBM?

Irina

05.04.2017 | 12:10

I restored KBM from 1 to 0.6 and class from 3 to 11. Now I bought a new policy from VSK, how can I get money back for last year from another insurance company? Do I need to contact them? And can this be done online? By mail? What is the exact one? list of documents need to be submitted?? restored by KBM via VSK

Andrey

18.04.2017 | 17:53

Hello!!! Help me understand the issue. In November 2013 there was an accident, before it the BMR was 0.6, after the accident on the website the next policy they gave me was 0.85. As I understand it, it was because of the accident. From April 2014 to April 2015 I was insured by Rossgorstrakh. This policy is not on the RSA website, or rather it is, but it cannot be found on dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm. When insuring in April 2015, I was given KBM 1. Installed by the MSC company. As I understand it, I haven’t had car insurance for a year. How can I restore my KBM?

Alexander

04.05.2017 | 11:05

Hello Ilya. I read your articles regarding the restoration of the KBM. I have been insuring myself with Rosgostrakh for many years, my driving experience is 27 years, my last car is 9 years old, I take out insurance every year, I have never had any insurance payments. At the extreme pole, the BMR is 0.95. I made a request to RSA for KBM, there is information only on the last pole. The insurer Rosgostrakh does not enter information into the RSA and I did not save the old poles. I didn't think they would be needed. What should we do now? How to force the insurer to enter information about poles for previous years and establish the correct BMI?

Oleg

05.05.2017 | 20:33

Good evening! On the RSA website I saw that the kbm was reset to zero in 2013, when I insured the car, namely on April 20, 2013, kbm = 1, before that the insurance contract was from 07.28.2011 to 07.27.2012 and kbm = 0.85 (there was a break from 07.27. .2012 to 04/20/2013 but less than a year).Insurance Service reserve, in which I have been insured since 2008. Last year I bought a new car and had to insure myself with INGOSSTRAKH, kbm = 0.85. This year I was insured again with the Service reserve and the kbm was 0.8, and if it didn’t reset to zero in 2013, it should have been 0.55. And what’s most interesting: I’ve had the policy since 05/12/2017 and if you set this date, then kbm =0.8, but if you set the date earlier than this, then kbm = 0.55! Can I return kbm = 0.55?

Georgiy

24.06.2017 | 19:48

Hello! Is it possible to restore the KBM with a certificate from the traffic police? I was insured something like this: 2007-2010 Ingosstrakh (no poles). 2015—2017 consent. I didn’t travel from 2010 to 2015. Ingosstrakh does not issue KBM certificates. rights since 1999.

Sergey

There are such unpleasant situations when, when you take out a compulsory motor liability insurance policy, you realize that it costs much more than it did last year.
Moreover, the situation becomes unpleasant precisely because the old insurance is coming to an end, and the change is reported upon registration with the insurance company. So you need restore KBM

What to do?

It is necessary to restore your previous level of BMR so as not to overpay for the policy more than necessary.

How to return the previous value of KBM?

There are two ways: fast and long

A quick way to restore KBM

If your insurance runs out just the other day, we recommend that you use our KBM restoration service. You only need to pay for the service in the amount of 450 rubles and indicate your data:

• passport series and number
• phone number
• Date of Birth
• series and serial number
• e-mail

24 hours after submitting your application, your BMR level will be restored to its previous value. And since we work through the RSA database, all changes will be visible when applying for an MTPL policy the very next day. And this will help you get insurance faster without unnecessary hassle.

Long way to restore KBM

It is suitable for those who have time to collect the necessary documents and go to the insurance company.

What should you do to restore the KBM yourself?

1. First, you need to determine from what moment, namely from which policy and which company the BMI was reset or changed. To do this, on the KBM check page, using several requests, we determine the changes in the KBM by month for several years until we find the desired policy.
2. We save requests for changes to your BMR for several years in electronic form for subsequent sending of a complaint to the insurance company (we determine the dates of the requests and which insurance company changed the discount: this can be seen from the request - let’s say you had a BMR of 06/01/2018 = 0.6, and 06/02/2018 became 1.0).
3. It is advisable to find old insurance policies from two or three years ago, you can even find those policies where you appear as drivers of other cars: in them you can find in special notes what vehicle or class you had. Make copies of everything you find.
4. Next, you need to send a complaint to the insurance company, RSA and the Central Bank of the Russian Federation. For a complete set, you can also send complaints to the Consumer Protection Society, Rospotrebnadzor, FAS, but this is not necessary. If the insurance company went bankrupt, then only in the RSA and the Central Bank.

1. We are waiting for a response to your email within a month. If they don’t answer, then the next step is only court.
2. If several policies have already been issued in different companies since the CBM was reset, you will have to repeat everything for each subsequent company along the entire chain after correcting the CBM of the previous one.

I restored the KBM. What to do next?

Make changes according to the CBM to all current policies. It is important! Even if this does not affect the cost of the MTPL policy. If this is not done, after the end of the policy, your restored KBM will be lost. To do this, contact your insurance company (or several, if you have several policies from different insurance companies) and write “Application for amendments to the policy due to incorrectly applied CBM.” To be sure, you can print the result of the KBM query in advance

One of the significant coefficients when calculating the cost of an MTPL policy is the Bonus-Malus coefficient (BMC). Its size depends on the number of years of accident-free driving of the policyholder. Currently in Russian insurance there are 15 classes that can be assigned to drivers. Initially, in the absence of experience, a 3rd class is assigned, which is equal to 1. Then, in the absence of accidents, the driver’s class increases annually and the cost of the policy is reduced by 5%.

The maximum driver class is 13th, and the maximum discount when taking out a policy is 50%.

It is important to remember that the discount may be lost or reduced if there was a break in insurance for more than a year, or if you were involved in an accident during the previous insurance period. In this case, the KBM will be increased legally and the driver will have to accumulate his discount again.

However, there are other reasons why your legitimate discount may be lost:

You replaced your driver's license due to expiration, loss or change of name;

The insurance company representative made a mistake when applying for the previous policy (incorrectly indicated the year of birth, full name, etc.);

The insurance company did not submit information to the AIS RSA;

The insurance company submitted information to the AIS RSA with errors.

In the above cases, you can restore the KBM in several ways:

Through the insurance company that made a mistake;

Through RSA, by sending the appropriate request;

Through the Central Bank by sending a complaint in writing.

* A period of 30 days is allotted for consideration of documents. During this period, the recipient of the complaint must provide the complainant with a detailed response in writing about the decision made.

Using our service: . The application review period is from 1 to 5 working days.

After the KBM is restored, you have the right to receive the overpaid insurance premium (overpayment) both under the current MTPL agreement and under previous contracts in which the incorrect value of the KBM was applied.

Important: The statute of limitations for such cases is 3 years. Accordingly, you can return the overpayment for the last 3 years.

What is needed to return an overpayment under a current policy?

1. Write an application to the insurance company in free form, but with the obligatory indication of the following data:

a. personal data of the policyholder;

b. the reason for petition;

c. the amount of the overpaid amount or a request to recalculate;

d. series, number and date of issue of the MTPL policy;

e. series, car registration certificate number, state registration plate;

f. series and number of the old and new driver’s license (if it has changed);

g. indicate the bank details where the transfer should be made

h. date, signature.

2. Attach copies of the following documents:

a. a copy of the driver's license on both sides and the policyholder's passport;

b. a copy of the current (valid) MTPL policy;

c. your account details – printout from the bank;

d. printout about the restoration of KBM from RSA: https://dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm.

3. Be sure to send it to the insurance company office by registered mail with notification. From the receipt you receive when sending a registered letter, you can find out exactly the date when your letter will be delivered to the insurance company: https://www.pochta.ru/

Refunds are made within 14 days from the date of application.

If the insurance company refuses to recalculate you, you have the right to send a complaint to the Central Bank of the Russian Federation (CBRF). Also, to return for previous periods, you must adhere to this procedure.

Procedure:

1. Fill out the Application Form for refund of overpayment with attached documents in the same way as sending to the insurance company.

2. The Central Bank of the Russian Federation sends a request to the insurance company regarding your claim with a requirement to conduct an inspection.

3. You receive a response from the Central Bank of the Russian Federation, which will contain all your policies (including expired ones), for which the KBM discount for compulsory motor liability insurance will be calculated and calculations will be made for each policy.

4. With this letter, you go to any nearest office of your insurance company, show him this letter and leave your bank account details to transfer you a discount for all the years when it should be credited to you.

If you are confident in your accident-free record, you should not leave everything to chance. Be sure to use the KBM restoration service and do not overpay for your auto liability policy

You can order a full package of overpayment refund services under MTPL by submitting an application to retail@website

Basic principles of using KBM

The definition and application of the MSC has changed several times since its introduction in 2003, and these changes have now led to some confusion about its meaning in a number of cases. Thus, in 2013, an information system was launched on the basis of the Russian Union of Motor Insurers (AIS OSAGO), within the framework of which the CBM began to be determined. During the process of transferring data to this system, many drivers lost data on their discounts due to technical problems and incorrect data entered by insurers.

For example, many drivers lost information about their policy class. According to the rules of OSAGO, there are 15 classes, namely M, 0 and 1-13 (see table). Because of this, the coefficients that determine the cost of the policy were reset to zero, and drivers lost their discounts.

It should be noted that initially, when concluding a policy, the driver is assigned class 3, which corresponds to a single KBM. Subsequently, depending on the number of insurance events in which the insured car was a participant, this coefficient changes up or down. If a driver reaches class 13, then the cost of his policy is halved, and if, due to poor driving, he drops to class M, then the cost of the policy increases by 2.45 times. With perfect driving, you can reach class 13 in 10 years.

The process of applying the CBM occurs when you issue a policy for the next year, and you can contact any insurance company. The coefficient will not apply only if the policy is concluded for a period of less than a year, and also if the object of insurance is a foreign car.

Why information about KBM may be incorrect

When transferring information to the AIS OSAGO system, a separate profile was created for each driver, which was determined by his full name, date of birth and passport data (for drivers of legal entities - driver’s license data). If any data was entered into the AIS OSAGO incorrectly or incompletely, then the driver’s KBM is not determined.

The reasons for this situation may be:

• human factor (the insurer incorrectly entered the driver’s data into the system or did not transmit information about the driver at all);


• changes in documents (may be present for both the driver and the owner of the car);


• failure in the AIS OSAGO system;


• use of an illegal policy by the driver;


• the driver has several contracts with different KBM, etc.

You can check the real value of the KBM in your case by using the formula from the Bank of Russia directive No. 3384-U dated September 19, 2014 (Appendix 4). If the calculated data does not coincide with the coefficient published on the RSA website, you need to request the insurer to apply the correct coefficient. If the insurance company does not cooperate on this issue, it is better to try to change it and achieve your goal in another company. If the issue is successfully resolved, you must also insist on transferring the updated coefficient to the AIS OSAGO.

It is also important to contact the insurer even if the KBM in the information system is indicated correctly, but other data from the policy is described incorrectly. If the AIS RSA system contains correct data about the KBM, but the insurer does not agree to issue a policy in accordance with them, it makes sense to write a complaint against it. To do this, you need to obtain a certificate from the previous insurer about the presence or absence of payments under the previous MTPL agreement and contact the new insurer with it.

Filing a complaint: how to get an accurate result

You can also complain about the MTPL insurer to one of two governing bodies: the Bank of Russia or the RSA. Policy users note that complaints to the Bank of Russia are implemented more effectively, since this body has the right to apply various sanctions to insurance companies and therefore can influence them more effectively.

In the case of the Bank of Russia, a complaint can be submitted directly to the online reception organization, where you can find a special form for such requests. In this complaint, it is necessary to indicate the name of the insurer, the essence of the problem that has arisen and the MTPL policy number (in the case of KBM, it is better to also indicate the numbers of previous policies). If possible, it is better to also attach to the complaint copies of the specified policies, a copy of the claim to the insurer and its response to such a claim.

During the consideration of such a complaint, the Bank of Russia will check the correctness of the information submitted and, if the comments made are correct, will apply the necessary measures to the insurer. The policyholder who contacts the Bank of Russia will receive an official response from the organization, which must be submitted to the insurer. As a result, the insurance company must enter the corrected coefficient into the AIS OSAGO and return the overpaid premium to the policyholder.

The situation may become more complicated if an incorrect CBM was applied several years ago, and the insurer’s license was revoked during this time. In this case, due to the lack of documents confirming the correctness of the policyholder, it will be difficult for the Bank of Russia or RSA to understand the situation, since the AIS OSAGO includes only information about contracts since 2011. But even if such a situation exists, it is still worth filing a complaint, since it may well be resolved in favor of the policyholder.

The most important thing in communicating with the insurer is to insist that you are right and submit all supporting documents on time. This is important because for technical reasons it is quite possible that errors may occur in information databases, and inaction by the policyholder will simply lead to unnecessary costs.

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 vehicle registration certificate using the AIS RSA database, as well as check the presence of a valid vehicle 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.