Calculation of MSC: we define a discount on MTPL independently

The price of MTPL insurance policy depends not only on the vehicle's power, driving experience, age and driver's residence, but also on how cautiously he behaves on the road. Motorists who do not fall into an accident (at least through their own fault) can count on a CMTPL discount of up to 50%. But those who are often to blame for an accident, will pay 2.5 times more for insurance. How much a discount or surcharge will be made depends on the bonus-malus ratio (KBM). So, what are the rules for calculating MSC?

Discount or fine?

KMB is also called a discount for accident-free driving. If the driver for the past year has never become the culprit of an accident, it means that the insurance company did not have to spend money on paying compensation. For this customer can be encouraged and next year to sell him insurance at a discount - to provide a bonus.

If the driver got into an accident, the insurer had to fork out for payments. And in order to compensate for their costs and at the same time to stimulate the grief-driver to be more attentive on the road, the insurance company, prolonging the policy, will raise the price of OSAGO - the malus will provide.

What accidents are considered?

To begin with, we note that not every accident affects the calculation of the MSC. OSAGO is liability insurance, not property. Therefore, in the calculation only those accidents are taken into account, under which the insurer had to make an insurance payment for his client.

If the driver is not to blame for the accident, or the incident was not registered in the traffic police, or the issue was settled by the euro-protocol, it does not threaten the car owner with the increase in the value of OSAGO.

Table of bonus-malus coefficients

To determine the coefficient, this is the table used to calculate the MBM.

The first two columns indicate the class at the beginning of the insurance and the corresponding coefficient. The remaining columns of the table allow you to determine how the class and the MSC will change in the presence or absence of accidents.

The column names show the number of cases in the previous period at which the compensation was paid. Accordingly, the first column with the number 0 means that there were no accidents, and the fifth, with the number 4+, indicates that the person has gotten an accident more than four times. Figures and letters in the body of the table show how the class of OSAGO varies depending on the number of accidents on the road through its fault.

Calculation of MSC is carried out according to the following principle. From the value of the coefficient, one is subtracted, and the result is multiplied by 100%. When a person first acquires compulsory motor TPL insurance, automatic gets a 3rd class with MBM 1. Such a driver pays 100% of the cost of insurance - without any discounts or surcharges.

If the MBM is determined at the level of 0.9, it turns out: (0.9 - 1) * 100% = -10%. Hence, the driver is entitled to a 10% discount.

If the coefficient is 2.45, then: (2.45 - 1) * 100% = 145%. The cost of the policy is increased by 145%, that is, the car owner pays 2.45 times more for insurance. This is the punishment for creating emergency situations on the road.

How to determine the coefficient of the table?

Before calculating MSC, or rather, discounts or surcharges in accordance with the insurance history, it is necessary to determine the class of the driver in order to know what factor to apply.

Let's say the car owner recently got the rights, bought a car and came to register CTP. He is assigned a standard 3rd class. A year passed and he came to renew insurance. The employee looks at the insurance history and finds out that in the past year the accident passed the client.

The table shows that in the absence of an accident after the expiration of the annual period of insurance, the driver goes to the 4th class, and his coefficient is reduced from 1 to 0.95. When extending the contract, the car owner can pay for insurance with a 5% discount. Next time when registering the OSAGO, the insurer will already be guided by the line of the table corresponding to the 4th class.

If it turns out that during this time there was one accident due to the driver's fault, then his class will change from the 3rd to the 1st, and the MBM will grow from 1 to 1.55. For insurance for the new year will have to lay out 55% more. Further, the calculation of the MSC will be performed on the basis of the line corresponding to the 2nd class. Only two years later, a person will be able to return the third class and start earning a discount.

If the driver gets to class M, it will take him five whole years to reach the standard 3rd class again.

If several people are entered in the policy, the discount or surcharge is determined by the worst of the coefficients.

How do you know your coefficient?

It is extremely rare that MBM is indicated in the insurance policy. Therefore, in order to determine your class on OSAGO and, accordingly, the size of the discount or extra charge, you will have to contact the insurer, calculate the MSC yourself using a table or use the SAR database.

When requesting a driving class, the insurance company is obliged within five days to provide a certificate on Form No. 4 indicating all the necessary information. This document is useful if the car owner plans to change the insurer.

On the site of the SAR for determining the coefficient, you need to go to the section "OSAGO" and click the "Information for insured and injured" tab. Among other information services, you will find a definition of the coefficient. To obtain information it is enough to enter the full name and number of the driver's license in the opened form.

So we found out what KBM is, why it is needed, and how to calculate it.