The device of the insurance system allows the driver to receive both a reduced and an increased coefficient of the insurance premium. As a result, you can pay much less annually than usual. Therefore, driving experience for compulsory motor third party liability insurance, especially without accidents for several years, helps to save up to 50% of the usual insurance premium.
It should be noted that young car enthusiasts always pay more. This becomes a kind of guarantor for the insurance company, which doubts the skills of a person who has recently passed his license.
Factors affecting coefficient changes
There are two main factors that affect the ratio when calculating the insurance premium. This is the age and experience for OSAGO:
- if the driver is less than 22 years old, then the coefficient will be 1.3;
- if the driver is less than 22 years old and the driving experience is less than 3 years, then the coefficient will be 1.7;
- if the age is more than 22 years, but the driving experience is less than 3 years, then the coefficient will be 1.5.
Drivers who are over 22 years old and have been driving for more than 3 years pay the base rate.
In fact, a long driving experience for OSAGO helps to significantly reduce the annual cost of insurance.
Bonus Malus Ratio
In addition to driving experience, accident-free driving significantly affects the cost of the policy. The fewer accidents caused by the driver, the less he will pay the premium to the insurance company next year.
In OSAGO, the driving experience without accidents is calculated automatically and changes every year. Initially, all drivers receive class 3. With him insurance premium paid in full size without any decreasing or increasing factors. Every year, if for the entire period there was no accident due to the fault of the insured, the multiplier decreases by 0.5. That is, insurance companies give customers a 5% discount.
This bonus has a cumulative effect. That is, after another year of trouble-free driving, the coefficient will be only 0.9. As a result, the driver has a great incentive to comply with all traffic rules.
The maximum bonus is 50%. As a result, such a driver will pay only half of the usual insurance premium. You can get such a multiplier in 10 years of uninterrupted accident-free driving.
It should be noted that KBM also acts in the opposite direction. Each accident caused by the driver's fault will reduce his class. The degree of reduction depends on the current MSC level and the number of accidents over the last period.
For example, if a 13th class driver has 1 accident per year, he will lose 30% of the discount, since he will immediately move to the 7th class. If you get into an accident as a novice driver, that is, with grade 3, then the insurance will take you to grade 2, 1 or M. As a result, the premium will be increased by 40-145%.
Therefore, it should be remembered that CTP without seniority and careless driving can cause increased insurance costs. The odds are summed up and increase your expenses by 2 or more times.
It is interesting to hear from drivers without proper experience, who do not know what the cost of the policy consists of, that companies are deceiving them by forcing them to pay different amounts of insurance for similar vehicles. In such a situation, car owners are often mistaken, and this happens for the reason that they do not understand how important, for example, how is the driving experience for OSAGO considered? Let's figure it out.
For more than 10 years, Russian citizens have been required to insure their vehicles. Moreover, the cost of the policy depends on a number of factors:
- place of car registration;
- engine power;
- presence / absence of insured events;
- who is the car owner - a legal entity or an individual.
How is the driving experience for OSAGO
Separately, it is worth noting two more factors that affect the cost of insurance:
- the age of the owner of the car;
- driving experience.
With the first point, everything seems to be clear. The only thing to note is that the number of full years is taken into account here.
The second can be easily dealt with. The countdown here starts from the moment you receive your driver's license. In other words, it will be enough to look at the rights and see the date of their issue. If the driver has previously changed this document, then the new one will have a corresponding mark.
In addition, the length of service can be confirmed with a driver's card.
You need to know that when opening new category, the experience gained from the previous one does not disappear.
Let's consider an illustrative example. In particular, citizen Smirnov in 2010 received driver's license category B, which means that his driving experience is now 7 years. In 2017, the same person opened category D. In such a situation, everything already depends on the vehicle for which insurance is issued. If this passenger car, then Smirnov's experience is 7 years. In other words, accounting starts from the moment the corresponding category is received, which gives the right to drive such a vehicle. In the case of a bus policy, the citizen's experience will be 0.
At the same time, insurance organizations often consider the driving experience from the moment a certain person acquired the first insurance policy or after the citizen has been entered into this document.
However, according to the law, the experience is counted from the moment of obtaining the rights. At the same time, it does not matter how much the person hit over this period of time. In addition, the legislation does not say anything about cases when a person is for traffic violation was stripped of his driver's license. From which it follows that this situation is not displayed in any way on experience. In any case, the countdown must be carried out from the moment the license was issued.
Now let's figure out what is the connection between the driving experience of a car owner, his age and the price of compulsory motor third party liability insurance. The first two factors actually affect the cost of the policy, but only in specific cases, in particular, when the car owner is less than 22 years old and does not have a three-year driving experience. Here, when calculating the insurance, a coefficient of 1.8 will be used. In this case, the policy is the most expensive.
The second group includes car owners who are not yet 22 years old, but a full 3 years have passed since they received a driver's license. When calculating the cost of insurance in this case, a coefficient of 1.6 will be applied.
The next group of car owners are citizens who are already 22 years old, but their driving experience has not reached 3 years. In this situation, the policy will be calculated using a coefficient of 1.7.
Separately, it should be noted the persons who are the owners of the vehicle, registered on the territory of another state. When they issue an OSAGO policy on their car, a coefficient of 1.7 is applied. As you can see, such factors are important, but only in specific cases.
However, for most hosts vehicle, the coefficient of experience and age does not play any role in the design of the CTP policy.
It should be said that with this approach, the logic of the insurers is clear. The fact is that in most cases, the culprits of road accidents on the roads of the Russian Federation, as statistics show, are citizens whose driving experience is no more than 2 years.
Question: I received a certificate in 2002 in Sevastopol, moved to Moscow after and changed my license in Moscow in 2014, respectively, when extending insurance, the experience is considered from 14 years, they say that they cannot check from 2002 to 2014 what was without emergency driving, so only from the age of 14 they count. Is this correct? Or can I go somewhere to change the length of service in the database of insurance companies? Thanks in advance! Answer from you: When you changed your license, you should have checked that there was experience in the new certificate. Now it seems impossible to confirm the experience. Insurance companies look experience in the rights, they do not have this base. New question: The length of service has been indicated since 2002, but is it considered only from the year the rights were replaced with Russian ones in Moscow?
What you are writing about is the troubles of this insurance company. The traffic police determined your experience and recorded your rights. Only there you have the right to define it. Try another insurance company.
Good afternoon! He received his driver's license in 2002 in Sevastopol, moved to Moscow after and changed his license in Moscow in 2014, respectively, when extending insurance, the experience is considered from 14 years, they say that they cannot check from 2002 to 2014 what was without emergency driving, so only since 14 years old. Is this correct? Or can I go somewhere to change the length of service in the database of insurance companies? Thanks in advance!
When you changed your license, you should have checked that the experience was in the new certificate. Now it seems impossible to confirm the experience. Insurance companies look at the experience in rights, they do not have this base.
Received the rights of category "C" in 1987, category "B" - in 2007. Only category "B" experience is considered for car insurance. I changed the rights, both categories are inscribed in them. Why is the total driving experience not taken into account - since 1987, how is driving a truck different from driving a car? Driver, he's a driver everywhere.
You have a long experience of driving a truck, do you really need to explain the difference between a truck and by car? A surgeon and a therapist are also doctors, but you won't go to a therapist with a fracture. Although he and the other know how to provide first aid.
Good day. Question 1. If I received a / s in 2007, but do not drive, respectively, it was not included in the insurance. Now I need to change the vehicle (December 2017) how will the driving experience be calculated if I do not drive? Again from scratch or from 2007? Question 2. My surname changed in August 2017, if I change my license in December 2017, I will not be assigned any fine? Thanks in advance.
Driving experience calculated from the date of issue of the driver's license. The fact that you are not included in the insurance anywhere does not interest anyone.
For the fact that you changed your surname and did not exchange your license, no one will fine you.
Is the experience of foreign rights included in the Russian experience
Excluded.
Received category B. In the traffic police, category M was not opened because it was not marked in the certificate. If I make a certificate after 2 years and change my driver's license by opening category M, will the experience in this category be the same as in B or will it start from 0?
