Classes of compulsory motor TPL insurance and their definition

The cost of OSAGO policies is regulated by the Central Bank, but it is not the same for all drivers. There are so-called classes of OSAGO, which are assigned to car owners on the basis of several factors. The article details about what is the insurance class of OSAGO: how to determine this indicator and what it affects.

No-break discount

When the policy is renewed, the insurers check whether there have been accidents for the past period. This is not done out of idle interest. If a person carefully drives a car and does not get into traffic accidents, he is entitled to a discount on auto insurance services of up to 50%. That is, the cost of the policy is adjusted to a coefficient called bonus-malus (KBM).

Why is the insurance company ready to pay extra for accurate driving? It is profitable for her. Let it lose some of the profits by making a discount, these expenses are less than if it had to pay compensation in the event of an accident. Therefore, car owners are encouraged to increase their driving skills, giving a discount of 5% for each year of driving "without adventure." This is a bonus. But for inaccurate driving, leading to problems on the road and the costs of insurance compensation, penalties are paid-malus.

Previously, this magic ratio was tied to a specific car, which was very inconvenient. After all, when selling a car, the car owner lost all bonuses. Therefore, since 2008, insurance history is associated with a person, not a vehicle.

No accident, but not quite

OSAGO involves liability insurance, not property. Put simply, those cases in which the insured is not responsible for what happened do not affect the cost of the policy. In the calculation, only those accidents are taken, under which there was an insurance payment (if the owner of the policy became the culprit of the accident). Other accidents, which, for example, were registered according to the Euro-protocol or were not fixed in the traffic police, do not play a role.

If the car owner is not to blame for the accident, then his discounts will not go anywhere. As well as in the case if it is to blame, but "no one saw anything," and the participants agreed without notifying the traffic police.

Class of OSAGO

Finally, we got to the very notion of "OSAGO classes". This term is closely related to the bonus-malus ratio, which we considered above.

A special table has been developed that regulates which value of the coefficient is assigned under certain conditions. As can be seen from the first two columns, a certain class corresponds to KBM.

The discount is calculated by subtracting from the unit factor and multiplying the result by 100%. For example, if the MBM is 0.85, the discount will be:

(1 - 0.85) x 100% = -15%.

Class of insurance OSAGO depends not only on how often the car owner gets into an accident, but also on his driving experience.

What determines the class of OSAGO

The client who first applied for the policy receives a standard 3rd class with a value of 1. After that, his insurance history is written.

Every year that passed without an accident will reduce the ratio. That is, with the extension of the policy, the 3rd class will change to the 4th with a bonus-malus of 0.95 and a discount of 5%. If the accident was, then the class, on the contrary, decreases, and the price of the policy increases.

How to find out your class of OSAGO

Now that we have figured out the terms, it's time to figure out how to find out the class of the OSAGO driver. In fact, to calculate the discount when issuing a policy requires an insurance history of the car owner. Where is it stored?

If the car owner used the services of the same insurer, it is enough to contact your company. The employee will need only a few seconds to check the class of OSAGO on the internal base and determine the cost of extending the policy.

If the driver decides to change the insurer, he will have to ask the previous "guardian" for a certificate on form number 4, which indicates information about the emergency history. The document is provided for five days.

However, this reference is not always necessary. Most insurance companies use the PCA database in their work and even provide their clients with the opportunity to independently calculate the cost of a policy based on this data. Rarely, but it happens that the class is indicated in the policy.

Sometimes new companies default a unit to the newcomer. Do not let it go on the brakes, because then the insurance history will be lost.

We learn our class independently

Determine the class of OSAGO can be independently, without resorting to the insurer. To do this, just use the above label.

With the first two columns we have already figured out: these are classes and KBM. The remaining five columns indicate the number of insurance cases for the past year. 0 is the absence of an accident. Accordingly, 4+ indicates the presence of four or more accidents.

The values in the columns are also classes. For example, a novice driver who received the third class and KMB 1 during the first policy, traveled a year without accidents. In the row with the 3rd class, we see that with a zero number of accidents, the 4th class is assigned. If there was one accident, then the 1st. Class 1 corresponds to a coefficient of 1.55. We consider:

(1.55 - 1) x 100% = 55%.

Therefore, the driver will pay 55% more when extending the policy. But this is not the most terrible situation. If two or more accidents occur, class M will be assigned, and to get out of it and return to the unit, it will take five years.

Each time when determining the price, the insurance agent is guided by that line of the table that corresponds to the current driver class.

But you can do without calculations by visiting the site of the SAR and instantly recognizing your MSC by entering in the special form the name and number of the driver's license.

If there are several drivers

What if several car owners with different classes of OSAGO insurance are inscribed in the policy? How to determine the price of the policy in this case?

In this scenario, the calculation of the value is made according to the maximum coefficients. For example, in OSAGO three drivers are introduced: the first MSC is 0.6, the second - 0.7, and the third - 0.9. Hence, for the policy will be taken coefficient of 0.9, and the discount will be 10%.

If there are no restrictions on the number of drivers, the bonus-malus depends on whether insurance payments were made for the previous period of the contract.

About unscrupulous insurers and technical mistakes

A reasonable question arises: why do car owners need information on how to recognize the class of the OSAGO driver if all the data has long been entered into a common base, and in the insurance companies sit specially trained people who can calculate the price of the policy?

The problem is that not always these employees have a clear conscience. And they can use the client's ignorance to offer him a standard tariff, thereby causing overpay.

Even if the insurer intentionally does not change the client class, it can occur as a result of a technical failure or erroneous data entry.

If the class of OSAGO in the policy for any reasons will change, a new insurance history will begin - from the first class. And the driver's reputation will be formed anew.

That is why it is not recommended to purchase counterfeit policies for the sake of economy. After all, when the car owner extends the OSAGO, the driver's class is determined based on the history of his driving, and on the basis of this data, the price is calculated. If there is no such story, all discounts will burn.

How to save on OSAGO

The price of the policy is influenced not only by the classes of OSAGO, but also by other factors. For example, the territorial coefficients vary depending on the locality. Some cunning drivers make out their car for a relative living in a locality where the territorial coefficient is lower, and they travel by their own power of attorney.

It also matters who is still inscribed in the policy other than the owner of the car. Insurance without restriction of persons who can operate transport is much more expensive. Yes, and making people on the policy who do not ride very well or just have a little driving experience is fraught with unnecessary costs.

Finally, if the car owner does not drive constantly, but, for example, only in the warm season, then it makes no sense to overpay for the whole year. It is enough to purchase a policy for several months.

Now we know what are the classes of OSAGO, what they are for, and how to define them.