The bonus-malus coefficient is calculated based on the driving experience and the frequency of accidents caused by the car owner. KBM gives a discount on OSAGO in 2021, which you can get in the form of a reward for accident-free driving.
What is KBM
The bonus-malus coefficient, or KBM, is an indicator that affects the cost of an insurance policy. He can change the amount of OSAGO up or down, depending on the length of service and the level of accident rate of the driver for the previous period of insurance.
MSC is calculated when the insurance contract is drawn up, and at the beginning of the experience it is equal to 1 for the initial 3rd class of the driver. This means that you pay the full cost of the insurance policy.
After 10 years of trouble-free driving, the KBM can grow to a value of 0.5, which gives a 50% discount on the payment of the MTPL policy and corresponds to the 13th class of the driver.
Checking KBM in the PCA database
Read detailed instructions how in 5 minutes for free check KBM.
1. Go to the site https://roskbm.ru/ and fill out the official application to check the KBM on the PCA database online. Click on the “Check KBM” button.
2. Enter your full name, date of birth, series and driver’s license number in the fields of the request form.
3. Press the button “Check MSC”, and after half a minute your current MSC will be displayed on the screen.
4. In case of a heavy load of the database, the answer to the request will be sent to e-mail, which you need to indicate in a separate field by clicking on the “Send result” button.
The Russian Union of Auto Insurers (RSA) records the data of all drivers, which includes driving experience and the number of accidents caused by the policyholder. In the case of an impeccable driving history, you can get a discount on the payment of MTPL, however, not all drivers are aware of this possibility. The longer the driving experience without road accidents, the higher the discount, which can reach 50% of the cost of the insurance policy.
KBM 1 what does it mean
The bonus-malus coefficient equal to 1 is assigned to the driver of the initial 3 insurance level, if he has not previously entered into an insurance contract for this car.
The OSAGO system defines 15 driver classes: M, 0, 1 and 2 – a kind of negative classes, with which the driver receives not a discount, but an overpayment under the OSAGO policy. This is due to the length of the driving experience and the number of accidents for which there were claims for compensation. With the lowest M class – the overpayment is 145% of the standard price under the insurance contract.
Classes from 3 to 13 are positive, their presence gives a 5 to 50% discount on car insurance under the MTPL policy: the minimum payment amount will be if you have more than 10 years of experience and there is no accident for the previous insurance period.
If the year passed without an accident, the class in the MSC table is increased by one level, decreasing the coefficient by 0.5 each time and adding a 5% discount.
MSC table 2021
To determine the driver’s class and the amount of the discount that you can apply for when concluding an insurance contract, use the 2021 MSC table: https://roskbm.ru/kbm-tablica
When you first visit an insurance company, you get a 3 class corresponding to MSC 1, if you have not previously entered into an insurance contract under an OSAGO policy. To find out the discount for paying for the policy, find the driving class and the number of payments for the previous year.
Let’s say you have been driving for 2 years, you have not insured your car for the first time, there were no payments for the last year. Your MTPL will be equal to 0.9, and the discount amount will be 10% of the cost of the new OSAGO policy.
If you got into an accident through your own fault in the second year of driving, the table clearly shows: the next time you issue OSAGO, the driver’s class will be 2, and the KBM will be 1.4. Now, when calculating the amount of the policy, you have a surcharge of 40% of the cost of insurance.
In the line “Number of payments for compulsory motor third party liability insurance” is the amount of information about changing the class of the driver, if he gets into an accident through his own fault. Do not confuse driving class with MBM: each class has its own coefficient. Keep in mind that the driver’s initial MBM is 1.
If you do not want to waste time on your own study of the 2021 MSC table, you can determine the coefficient for free through an official request to the PCA database. To do this, just fill in the fields with your data on the RosKBM website and send an application.
In a few minutes you will receive information about the size of the MSC, the amount of overpayment or discount. Additionally, you can restore the KBM to the correct value if an error was made in the calculations earlier, or you changed your surname or driver’s license.
How to restore KBM
1. If you need not to check, but to restore the KBM, go to the main page of the site https://roskbm.ru/vosstanovit-kbm and select the section “KBM recovery in 24 hours” at the top.
2. Fill in the fields of the form that appears: name, date of birth, information from the current and old driver’s licenses, if you know the data. If you change your surname, please indicate the old one in a separate column.
3. In 30 seconds after clicking on the “Next” button, a response to the request will appear on the screen: your MTPL and the amount of the discount on OSAGO that you should receive. If the PCA database is very busy, we will send the result to the e-mail address, which must be indicated next to the “Send result” button.
4. Pay for the KBM restoration service and indicate your e-mail, after which the application for restoration will go to the PCA database.
How to restore KBM for free
To restore the MSC, you can contact the insurance company directly, but be prepared for the fact that the insurer will not want to recalculate the MSC, so as not to damage your business.
Insurance agents resort to various tricks when restoring the PCA: they make “random” mistakes when entering information into the PCA database, print the documents they need, or refer to errors in the PCA database itself.
Many drivers change their driver’s license when they lose a document, change their personal data, or change medical conditions. Study the detailed instructions for replacing the VU in order to know what documents and where to submit, in what cases you need to undergo a medical examination and how then to restore the MSC: https://roskbm.ru/zamena-voditelskogo-udostovereniya.
If you have changed your driver’s license, there is almost a 100% chance you will get the wrong rate. To eliminate the error, you will have to go a long way: from filing an application with an insurance company to filing a claim in court.
It is important to know which insurance company and at what point made a mistake in the calculations of your MSC. This information is contained in the history of the coefficient change, which is displayed when you send a request to check the MSC. Fill in the data in the fields of the application and select the service “History of changes in KBM since 2013”.
Save time walking with applications to authorities and courts and restore KBM free of charge in the roskbm online service. In just 30 seconds after filling out the official application, you will receive an answer directly from the PCA database.