How to check the driver's KBA on the basis of X-ray diffraction: solutions

Often, when formalizing the policy of OSAGO, you can hear such a thing as the "bonus-malus ratio". What is the essence of this definition? How can it be? Can you find out for yourself? How to check the MBA of the driver on the basis of SAR? This article will help you find answers to all these questions.

KBM: the essence of the concept

This concept arose just recently - 3 years ago. Then the state wanted to minimize the costs of motorists, namely, to reduce the cost of OSAGO insurance for so-called accident-free drivers. In other words, if the car owner did not become the culprit of the traffic accident during the insurance period, then he can count on some discount amount. The amount of benefits for the driver is determined by the same MSC.

Varieties of KBM

The MBM can take different values. Depends on its exact size from the accident-free experience of the driver. The more years the car owner did not get into an accident, the more profitable for him will be the purchase of a MTPL policy. To help identify drivers for their own MSC, it will be correct to present the following table:

At the beginning of the driving experience, the third class of KBM is given, that is, it can not be calculated for any discount. The next year, provided he does not accident-free ride, he becomes the owner of the 4th class, that is, he can claim a 5% discount and so on. In other words, with every successful year of riding, the discount on the purchase of the MTPL insurance policy is increased by 5%. For maximum benefit in the amount of 50% discount should be calculated only if the motorist did not get into an accident for ten years or more.

But, unfortunately, the size of the discount can not only increase, but also decrease: the more insurance cases there will be, the more the cost of OSAGO will be. So, especially "unlucky" car owners may have to pay 2.5 times more than the base cost of auto insurance.

Below is a table showing how the MBM class is changing depending on the number of insurance events that have occurred.

How to check the driver's KBA based on the RSA database for each year

Unfortunately, there is no special service on the official website of auto insurers (SAR), which allows you to calculate the discount for the purchase of the MTPL policy. The only thing that is here for this is the above table. However, there are many other sites that allow this. So, for example, by clicking on the link http://librax.ru/proverka-kbm.html, you can easily and quickly check the MSC on the basis of SAR for each year.

To do this, you need to fill in the following items:

• Number of drivers who will be allowed to drive the insurance object;
• Date, when it is planned to issue a new insurance of OSAGO;
• Full name drivers;
• Their date of birth;
• Driving license numbers.

After that, it remains only to press the "check" button, after which the information of interest to the user will be displayed.

How to check the driver's KBA on the basis of SAR, if an error occurred

Not always the drivers manage to get the required data from the first time. The reasons for this can be 2:

1. The user made a mistake in entering data. Solve the problem: check all fields for errors.
2. The driver changed the driver's license from the moment of purchase of the last MTPL policy. In this case, to verify the MSC on the basis of SAR, the data of the old "rights" should be entered.

Example of self-calculation

To find out the cost of the MTPL policy in the next insurance year, the following simple calculation example will help. So, let the date of purchase of this insurance is November 11, 2015. For this period, the value of the class and the bonus-malus coefficient have already been determined. For example, they accept such indicators: class 6, KBM - 0.85. To find out what the coefficient is for the next insurance period, you should do the following (this will be helped by the table that was already mentioned above):

• See the line where the class is 6, and KBM is 0.85. Then, depending on the number of insurance payments in this insurance period, you can determine your class for the coming year. That is, if we consider the values from the example, then in the absence of the insurance event the class will be 7 (KBM - 0,8), if one insurance situation occurs, the class will be 4, with two - 2, with three or more - M.
• After determining the MBM class, it is easy to calculate a discount for a new compulsory car insurance policy. This will help the first table in the article.

Making such simple manipulations, you can find out the approximate cost of insurance for the car for the next year. If the calculation causes any difficulties, then the best way in this case is to check the MSC on the basis of SAR using special services. They will help to solve this problem quickly and easily.

Now it is known how to check the driver's MBA on the basis of the SAR. Therefore, it only remains to wish the drivers a happy journey.