CTP calculator and calculate how much your policy will cost. For this, it is important to consider: where the owner of the vehicle is registered; how many years and what is the experience of the drivers who will be included in the policy; engine power ( Horse power). In all insurance companies, the price of the policy is the same. The only difference is additional insurance (life insurance, DOSAGO, etc.), which is optional. If you already had an MTPL policy and during the year you did not get into an accident through your fault (or the traffic accident was not caused by traffic police), then the price of the policy will be 5% lower than the current one. Every year, for trouble-free operation, a 5% discount is provided until the discount reaches the maximum - 50%.
2. Discounts are not nullified if you insure the car with another insurance company (in order for the discount to be preserved, you will need to take a “Accident-Free Certificate” from the previous company), if you are insuring another car (the discount remains with the driver, therefore, when insuring another vehicle, you provide a policy that confirms your discount). It doesn't matter if you were the owner or just a registered driver in the policy. The discount in the policy is calculated for the driver who has the least experience and age. If you take out unlimited insurance (any person can be allowed to drive), then the price of the policy almost doubles.
3. All insurances except for OSAGO are optional. If you are forced to insure property, life, DOSAGO ( voluntary insurance civil liability) - you have the right to refuse. Ask the bosses, call the hotlines - insurance agents in this case immediately agree to issue a policy without additional insurance. Also, you do not have to pay for the registration of the policy, for the issuance of a duplicate in case of loss - all these fees are outside the legal framework.
4. In order to issue OSAGO, you must have: valid diagnostic card, an insurance policy (if you had one before), a break-even certificate from the previous insurance company (when moving from one insurance company to another), a passport of the vehicle owner. Driving licenses of everyone you plan to enter, vehicle registration certificate (STS).
5. If you had an accident through your fault, which was registered by traffic police officers, then your discount is canceled, plus a multiplying coefficient is applied. Previously, this could be avoided by switching to another insurance company... But with the introduction of a common base for insurers, this will soon become impossible.
6. Before issuing a policy, specify where the claims are being settled. Under the new rules, the car owner applies to his insurance company to receive payment for an insured event. And if this insurance company does not assess and execute insured event in your city, then you will have to go to a large nearby city, which is not always convenient. Find an insurance company that will accept losses where you live.
7. After issuing the policy, be sure to check the correctness of writing all the data in the policy and the receipt right at the office. Corrections are allowed only if stamped and signed. You must be given a policy, a receipt, OSAGO rules and an accident notification form. If you have agreed to additional insurance, you must be issued a policy and a receipt for this type of insurance.
Moving to another SK or walking across three seas
1 not valid
/css/img/01_ugroza.png To begin with, from October 1, 2015. clients of insurance companies (IC) can issue electronic policy OSAGO in any company that issues them. I wanted to go to RESO, went to their website, filled in all the data and at the last stage I was given a message that I had not passed the check on the PCA website. I contacted the support service, which quickly answered me, but said that tk. I am not insured with them, they cannot help with anything. in their opinion, in the data provided by me, somewhere, there is an error that can be corrected only by the insurance in which I currently have a policy. I went to the Rosgosstrakh website, tried to issue it there, but the result was the same. In general, I concluded that electronic OSAGO does not work for us. Okay, I went to the nearest RESO office from my house located at Ryazan, st. Internatsionalnaya, 22A, in which they accepted all the necessary documents from me, entered them into the database and at the final stage gave me that they could not issue a policy. I have a little experience, which at the time of registration was 12 years., allegedly this is the order of the central office in Ryazan. They told you to go there, they will do everything for you there. 12/17/2015 I went to the central office of RESO located at Ryazan, st. Svoboda, d. 43 where right at the entrance the secretary told me that clients transferring from other insurance companies MTPL are issued only with a certificate from the previous insurance company about the MSC coefficient. I say, but what about the KBM request from the PCA website, which must be processed according to the law. To which she replied that they do not work with RSA, and they require a certificate by order of the Central Bank and the higher authorities. Such an answer just killed me, I did not expect that it would come to such insanity, I could have quarreled, but I didn’t and went to renew the policy to my IC because I do not want to lose the discount for trouble-free and tomorrow is the last day of insurance.
No
- They impudently lie to people who do not know the law, I think because they do not want to apply for a discount on KBM, forcing people to run around insurance companies and beg for unnecessary documents, which, of course, they do not give them.
Service and professionalism of SK employeesThe author of the review advises not to insure with this company!
VadimB 17.12.2015 17:50 Review Subject: Auto Insurance
Administrator:
The score was not taken into account, because the specified data could not identify the client.
SC response:
24.12.2015
Dear Vadim!
First of all, please accept our apologies for the inconvenience you have experienced and awaiting a response.
We do our best to ensure that the communication of our clients with RESO-GARANTIA specialists takes place in a positive atmosphere.
And we are happy to correct the mistakes that you indicate to us, because we want to maintain customer loyalty for many years.
Unfortunately, we were unable to identify you by the data you provided at the Ryazan branch.
Colleagues who worked on December 17, 2015 in the branch offices indicated by you, also could not provide any information about your appeal.
Note that we work strictly within the framework of the current legislation.
The requirement to provide information from the previous insurer when concluding an OSAGO agreement is regulated by the Regulation of the Bank of Russia dated September 19, 2014 No. 431-P.
In accordance with clause 1.8 of the Regulation of the Bank of Russia dated September 19, 2014 N 431-P: “On the rules compulsory insurance civil liability of vehicle owners "(OSAGO Rules):
1.8. Together with the application for concluding a compulsory insurance contract, the policyholder provides the insurer with information about insurance received from the insurer with whom the previous compulsory insurance contract was concluded.
Information about insurance is not provided by a person concluding a compulsory insurance contract with an insurer with whom a previous compulsory insurance contract was concluded.
When concluding a compulsory insurance contract providing for management vehicle only by the drivers specified by the policyholder, the policyholder shall provide the insurer with information on insurance in respect of each driver specified by him.
When concluding a compulsory insurance contract without restricting persons admitted to driving a vehicle, the policyholder provides the insurer with information about insurance in relation to the vehicle owner.
We assume that our colleagues may have asked you to provide information only to correct your MSC.
Today, a huge number of clients come to us in order to change their bonus-malus coefficient, because the previous company applied an incorrect class.
And this is understandable, since before the increase in compulsory motor third party liability insurance tariffs, insurers were not so scrupulous about their MTPL.
Agree, a 50% discount on an MTPL policy with a MTPL of 13 is a significant bonus.
It is a pity that you have a negative impression of communication with RESO-GARANTIA.
May the coming New 2016 dispel all your worries and doubts.
We sincerely hope to regain your lost trust in RESO-GARANTIA.
Happiness to you and your loved ones!
_________________________________
Vera Ivanovna Labour
Deputy Head of the Customer Service Quality Department.
Head of the department for work with reviews of SPJSC "RESO-Garantia"
Along with the joy of buying a car comes new responsibilities. In particular, the need to insure motor vehicle liability. Everyone knows that in the event of an accident, damage is reimbursed by the company that sold the policy. The question arises as to how its value develops and what it depends on.
One of the main components of insurance is KBM. Not so long ago there was information that Rosgosstrakh had canceled it. Is it so? We will discuss in this article.
KBM: decoding of the term
KBM - what is hidden behind this abbreviation? This is the so-called bonus-malus coefficient, which depends on the driver's experience and the number of accidents that have happened to him. For some, this rule may seem excessive. However, its purpose is to encourage drivers to drive carefully. After all, no one needs to pay for repairs without accidents. And without losses, the profit of the insurance company will only increase.
To better understand the meaning of KBM - what this parameter means, it is enough to ponder over the phrase "bonus-malus". That is, we are talking about some kind of reward that is due for driving without incidents. In OSAGO, the bonus is 5% for each year of accident-free driving.
But the question arises in further deciphering the concept of KBM: what is "Malus"? If the owner of the OSAGO policy gets into an accident with his car, the culprit of which is, then the discount is canceled or reduced. But if you are not to blame for the accident, then it will not affect the cost of insurance next year. This condition will also remain when the accident was formalized without the participation of traffic police officers.
The reason why the cost does not change in this case is very simple - OSAGO is liability insurance, not a car. And it is, of course, borne only by the guilty party.
When changing a company, does KBM change?
Calculation in OSAGO insurance is not an easy task. The driver's complete insurance history is taken into account. Let's consider several common options for how you can find out your coefficient.
- When servicing the same insurance company, the data is stored in an internal database. Then, when registering a new policy, the agent looks into it and announces the final cost.
- If the car owner wants to change the insurance company, then in order to maintain the discounts, he needs to submit a certificate from the company in which he insured before.
- But even if there is no certificate, there is an automated base of the PCA operator, where information about all citizens who have received policies is stored. Nevertheless, it is best to personally supervise this process, since it happens that the information of the UK was not entered or there were failures in the system.
- On the official websites of some insurance companies, a special service is provided that allows you to calculate the MSC for insurance under OSAGO. It is an Online Calculator service. In this case, the driver is checked against the base of the Russian Union of Auto Insurers.
- It also happens that some ICs prescribe MSC in the policy. Study it carefully: is there a coefficient in front of the driver's name or in the “special marks” column. However, since this information does not have to be reflected in the policy, it is rarely entered.
- Try to call the insurance company on the phone number indicated on the stamp in the insurer's policy. Ask to connect with the OSAGO department and tell them that you intend to renew the contract, so you want to familiarize yourself with your class for the next year.
How is it calculated?
Previously, when insuring, KBM was tied to a specific vehicle. Therefore, when one car was sold, all bonuses were canceled. This method was clearly inconvenient and unprofitable. Therefore, when the shortcomings of the system were identified, it was changed, and KBM began to be associated with a person, not a car.
MSC indicators in insurance are 15 classes, the values of which vary from 2.45 to 0.5. The client who applied to the insurance company for the first time receives the third class and has a standard cost.
Every year, when there are no accidents caused by the driver, the MSC is reduced. That is, next year, with a 5% discount, the class will be already 4th. However, in accident case due to the fault of the owner, it will inevitably decrease, and the cost of insurance will increase. Calculations are made according to a special table of KBM.
If there are several drivers in the policy, then the calculation is made according to the maximum MSC of one of them. And if it provides for the use of a car without restriction, then the calculation is based on how many payments were made for the previous policy.
Nothing but the truth
When issuing OSAGO, the agent can ask how many accidents there were. Of course, an automated system is very good, but nevertheless, ICs, as a rule, prefer to be reinsured.
It is forbidden to provide false information. If it turns out, then the compulsory insurance contract will be invalidated, and the money spent on it will not be returned. No better fate awaits those who find out the deception after the accident. Then the contract will be terminated through the court, and the payments will have to be reimbursed personally. And that is not all. The next time the driver takes out insurance, the price for it will increase by half, that is, the MSC will rise up to 1.5 times. Therefore, it is better never to deceive the IC when signing the CMTPL.
KBM = 1
It happens that the KBM is equal to one. This happens in the following cases:
- When vehicles that belong to foreigners are insured (such vehicles are usually located in Russia temporarily).
- When insuring trailers.
- With insurance for an extremely short period of time.
Overstating the cost of insurance
Sometimes not only unscrupulous car owners try to deceive the opponent, but also the insurance companies themselves. We are talking about an unreasonable overstatement of the cost of the policy.
Most often this is a simple silence about the KBM. A standard calculation can be offered to a neat but not insurance-wise driver.
That is, it turns out that the same size of MSC for insurance for the first time remains the same from year to year. And this can seriously affect the amount of insurance.
Another common method used by agents is to impose additional insurance coverage. Thus, the cost can also increase significantly. Often, management requires employees to try to sell insurance that customers do not need.
Of course, you should react to such things decisively. First, require you to draw up a policy without unnecessary suggestions, and if this does not help, then threaten that you will complain to the appropriate authorities. In most cases, this works convincingly.
It also happens that when moving from another company, insurers give the client a coefficient - one.
Please note - if you lose your KBM, then it will take a lot of time to recover, and with it finances will disappear.
How to save money?
So, let's figure it out: how to do it in order to pay less for the policy. The following aspects are relevant here:
- Territorial coefficient. We are talking about a driver whose permanent registration is in the province or in the village. For him, the cost of insurance will be significantly lower than that of a capital resident. Many townspeople with relatives in the outback register vehicles on them and drive a car under a general power of attorney.
- It is better to write specific people into the policy who can be entrusted with the vehicle than to buy insurance with permission to drive everyone. The latter option will cost significantly more. In addition, you should carefully examine whether the MBM will change with
- If you are not going to drive in winter, then it is better to purchase a policy for several months - when you plan to use the vehicle.
Recent changes in PCA
Since December last year, the Russian Union of Auto Insurers introduced new order KBM applications in insurance. What are these changes? The algorithm is that if the policyholder does not agree with the values of the coefficient, the IC is obliged to check the value in the AIS RSA. In the event of a discrepancy with the insurer used, what has been identified is applied. Then the coefficient will be taken into account not only in the current policy, but also in all subsequent ones. Let's look at the table.
Legal basis
Normative documents that govern the KBM system:
- OSAGO Law, Articles 9, 15.
- OSAGO rules, paragraphs 20, 35.
- Government Decree No. 739.
In addition, there is a detailed "PCA methodological manual for training employees of insurance organizations No. 7".
The case in Rosgosstrakh
Several years ago, in one of the largest insurance companies - Rosgosstrakh, one day it was decided that KBM was canceled when insuring OSAGO. Moreover, there was a convenient moment for unscrupulous insurers - other companies did not have forms available, so drivers had to buy a zero-class policy from Rosgosstrakh.
Moreover, in some offices, additional insurance was imposed, as well as the passage of a technical inspection, even in the case of a valid diagnostic card.
Justice was sought by those who defended their rights: in this case, Is it necessary to sue? For a court, as you know, it is necessary to have a base, which consists of written evidence (in advance, you should write to all instances in order to get an official position from them in writing), as well as witnesses, audio, video recordings, and the like. But more often such issues can be resolved without bringing the case to court.
Of course, it is not very profitable for insurance companies to pay a discount of up to 50% for trouble-free operation. Therefore, employees go to various tricks to reset it. In addition, car owners can pay for their illiteracy. After all, some do not even know about the existence of KBM.
Therefore, if an error occurred and your KBM was reset to zero, then to restore it, you must take the following steps:
- if less than a year has occurred since the error, send a letter to the PCA with a request to check;
- copies should be attached to the letter driving license and the old policy with the correct KBM;
- if there is no answer for more than a few months, then you should contact the Central Bank of the Russian Federation, from where the correct MSC will be received with recalculation.
Conclusion
From the article we learned about KBM: what does the abbreviation mean, how it is calculated, what problems there may be with its design and how to solve them. “Forewarned is forearmed” - well, this is the case. Does MTPL apply to MTPL insurance today? Of course. Be careful when taking out insurance, do not give in to pressure and do not agree to additional "options" you do not need, and if a violation of the MSC calculation is revealed, challenge it and achieve the correct indicators.
