The "bonus-malus" class - what is it? Class "bonus-malus" how to find out?

The cost of the policy includes the base rate, which varies according to certain coefficients. They depend on the car's power, the length of service and the age of the driver and other parameters. One of the coefficients is the "bonus-malus" class. What it is? How to calculate it? What determines this indicator? Answers to these questions, read further in the article.

Definition

РСА has entered a factor which is used at calculation of cost ОСАГО for the concrete driver and the car - a class of "bonus-malusa". What it is? Taking into account the change in the cost of the basic tariff for today, it is a panacea for tidy drivers who have a long history of trouble-free driving. For persons who were the culprits of the accident, it can have the opposite effect - to increase the cost of the tariff 2.5 times.

The "bonus-malus" class (KBM) is a discount for a neat ride. Insurance companies are interested in neat drivers. To somehow reward them, the tariffs provide coefficients that give discounts to customers. The insurers developed the MSC index, which is responsible for accident-free driving and provides a discount of 5% for each year. Only accidents in which payment was made are taken into account.

Since OSAGO insures damage caused by the owner of the policy to third parties, in this case only accidents are taken into account, the culprit was the client. Incidents, including those issued without the presence of traffic police (except the Europrotocol) are not taken into account. The subject of the contract is the driver's responsibility, and not the property. For unprofitableness penalties which can strongly increase cost of the policy are provided. That is, for the accident-free ride the client receives a "bonus", and for the fact that he became the culprit of the accident - "malus". Hence the name of the indicator.

How to determine the class of "bonus-malus"?

By default, KBM is not included in the PCA database by the company - it records information about previous contracts, issued for a person and a car. This indicator is calculated by the agent upon the application of the citizen. He must also enter information in the RSA database after the current contract expires. This duty is fixed by the Federal Law "On MTPL". In practice, it is rarely performed. You can check the "bonus-malus" class not only in the insurance company, but also through the site of the SAR. In a special form, you need to specify the VIN code, the full name. And passport data. The result will be presented as a fractional number with a range of up to 2.45.

Types of coefficients

There are 13 classes of MSC - starting from drivers without experience and further, depending on the number of accidents and insurance payments on them (the owner of the policy may be injured, not the culprit of the accident).

By this table, you can easily find out the bonus-malus ratio. The calculation procedure and the practice of applying this indicator will be examined in more detail below. The general rules for using the table can be considered in this example. The driver has a fifth class KMB. He acquires a MTPL policy with a coefficient of 0.9. If he travels for a whole year without accidents, he will receive a sixth class and a discount of 15%. But if the driver provokes an accident, the class drops to 3. If there are 2 accidents, then up to 1. The whole process will resume. In a year it is possible to raise a class only by one. If within 12 months the driver is not insured under OSAGO, then information about him in the SAR database is automatically reset.

Examples

The person on August 9, 2014 first bought the MTPL policy for a year. Over the past period, he never got into an accident. He is entitled to a discount for the "bonus-malus" class. How do you know its size? Initially, the driver is assigned a third class and an indicator value of 1. After a year of careful driving, he will be assigned a 4th class and a coefficient value of 0.95.

A more complex example. August 8, 2015 man first insured the car and within 5 years did not get into an accident. In 2020, he became the culprit of two road accidents. In this case, the "bonus-malus" class will be upgraded. What it is? For five years of "break-even" the driver has earned to itself 8 class KBM. But after two accidents, the indicator slipped to the second with a value of 1.4.

How MSC applies to open and limited insurance

According to the document "On Limit Rates", the class is calculated based on owner data applied to the vehicle. According to the agreement, there is no limit on the number of persons admitted to driving the car. The discount is determined based on the data about the owner of the vehicle and the class that was earlier. If such information is not available, then the owner is assigned class 3.

If the policy is issued for an unlimited number of drivers, the coefficient is determined for the owner of the car. KBM is a driver's characteristic, his manners for driving a vehicle, not machines. If up to 5 people are entered in the policy, the coefficient in the event of an accident is reduced only for the perpetrator of the accident, and not for all drivers.

If a third person was previously entered into a contract for limited insurance, and then the driver decided to issue MTPL with a large number of drivers, then to save a discount in the policy you need to specify someone else (friends, relatives or acquaintances) in order not to lose the earned ratio.

How does the MSC apply limited insurance?

In this case, the cost of the policy is calculated according to the minimum class of persons inscribed in the policy, and the history is maintained for each driver. Example: for the first driver MBM shows 0.6, for the second driver 0.9. When calculating MTPL, the value 0.9 will be used.

Errors

Sometimes the driver has a good accident-free experience, but when checking data, a low class of "bonus-malus" is displayed. What it is? There are two possible reasons:

• The driver was not insured during the previous calendar year and was not present in another policy as a person authorized to manage the vehicle;
• The insurance company simply did not record the information in the RSA database.

Most often there is a second problem. And the point here is not in the negligence of employees, but in the fact that information in the database is entered manually. Therefore, there may be mistakes or forgetfulness. The bad news is that it is necessary to restore the "accident-free" ticket through the court. First you need to prove that the bonus has been reset. You can do this by applying to the insurance or by checking the information on the site yourself. Next, you need to apply directly to the SAR, which indicate the previous and current numbers of MTPL policies so that employees can make sure that you have not had accidents. Next, you should file a complaint against the insurer in the Central Bank of Russia. If these measures do not help, then you will have to go to court.

Restrictions

OCTAG contracts are often concluded for less than 12 months. The driver is entitled to a discount for "profitability" - the "bonus-malus" class. How to find out the amount of savings? No way. By law, MSC is only applied to a policy that is valid for 1 year.

Conclusion

Insurance companies are interested in experienced drivers who for a long time manage the vehicle well. To encourage such persons, the MSC coefficient was developed. He is responsible for the awarding of "profitable" drivers and punishes those who often fall into an accident. How to calculate the "bonus-malus" class? For each year of a neat ride a 5% discount is given to the driver. If there is an insurance payment, the coefficient increases, and the client has to pay extra for the policy.