Размер страховых взносов для разных водителей в системе обязательного страхования варьируется. На расчетное значение оказывает влияние специальный коэффициент бонус-малус. Его параметр в определенных случаях дает возможность получить отличную скидку при покупке ОСАГО. В статье подробно рассмотрим, What is MSC in OSAGO.

Content

• 1 Basic concepts
• 2 Rating Scheme
• 3 Current rules
• 4 Determination of the current ratio
• 5 Class concept
• 6 Several drivers
• 7 Class Confirmation

Basic concepts

Automobile civil liability is strictly regulated by the state. However, insurance as a type of business is related to commercial products, therefore various marketing methods are used when selling policies. Most often, these include incentive systems, leading to profit all sides of the process:

• car owners driving their vehicles;
• the state that develops the rules of relationships;
• commercial companies engaged in the insurance business.

Seasoned motorists met the abbreviation of KBM, concerning insurance. Less experienced car owners should get acquainted with the concept.

In this context, KBM is the Bonus-Malus System concept that came from European practice. The literal translation from the Latin language indicates: The system is good-bad. Accordingly, the service is designed to encourage and punish drivers for the quality of driving. The longer the trouble-free experience, the less will have to pay each time for registration of the policy.

Before you know your KBM (bonus-malus class), you must take into account certain financial and legal features that accompany the relationship of participants. This includes:

• the coefficient applies to a specific driver, regardless of what kind of car he is currently driving;
• since the MSC is calculated annually, it is important that between periods of payment for the policy there should be a period of not more than a year;
• MSC indicator is displayed regardless of the change of the insurance company;
• in the event of an accident in which the insured person is the culprit and the process is fixed by the traffic inspector, the current ratio will be lost and the price of the subsequent policy will increase by 50%.

As a result of the application of the methodology, the following positive factors are formed:

• the state has a lower accident rate on the road;
• the cost of insurance for citizens decreases;
• insurance companies increase profits due to a smaller number of payments.

Rating Scheme

In the development of the incentive insurance system, a certain technique is used, which can be re-checked by the car owner himself. In relation to the compulsory autocitizen, before you check the bonus-malus OSAGO, it is worth reading the definitions:

• MSC is a rating system in which to add or subtract points take into account the risk group of the driver, as well as the degree of skill of his driving over the previous period;
• the system applies a floating coefficient to determine the value of the policy, while the basis for the calculation is the insurance history and initial data on the insured risk.

The safer for the insurance company are the parameters of the driver and the risk group to which he belongs, the cheaper it will be auto-citizen.

Current rules

According to the current current methodology for determining KBM used for calculations, the result is of two types:

• Booster. In the presence of accidents in previous insurance periods, when the incident was issued with a notice.
• Downward Previously, no official accidents were registered due to the driver’s fault.

In digital display, these facts have the following form:

• initially the insured person applying to the company for the policy is assigned a coefficient equal to 1;
• every year, the length of service for a given KBM is reduced by accident-free driving, which affects the OSAGO discount;
• the smallest permissible value, which the bonus-malus can correspond to, is 0.5, which allows the driver to purchase an OSAGO for only 50% of its value subject to all rules;
• usually, the minimum permissible value of KBM are trouble-free drivers with a productive experience of 10 years who have not applied for payment under the policy;
• in the event of an accident due to the fault of the insured driver, the discount accumulated over several years is canceled;
• The greatest possible bonus-malus coefficient possible by law is the value of 2.45 when buying a CTP after an accident.

See also: What will happen if you do not pay transport tax

Determination of the current ratio

Under current legislation, insurance market operators are not forced into mandatory auto-citizen policies to indicate the value of MSC. However, certain companies require their employees to enter a parameter. To do this, use the following fields:

• in the presence of a limited document, the value is placed near the personal data (name) of the citizen;
• in the absence of a limit, the parameter is entered in the field with special marks.

Regardless of the type of OSAGO, the valid KBM is indicated in the application to be filled out, which is completed when you make or continue contractual relations with the insurance company.

Class concept

In these conditions, a certain terminology is used, thanks to which the notions of driver class and OSAGO insurance class are introduced, what this means, we will find out further. Driving class is used when calculating the cost of the policy. The price of the document includes several parameters:

• Region. For each individual area of ​​residence, insurance companies have their own accident statistics.
• The lineup. Cars are classified by type and brand, which most often end up in traffic accidents.
• Type of vehicle. Depending on the type of vehicle used a certain rate.
• Age. The classification is influenced by the age of the driver and his active driving experience.
• Failsafe. This period also has an impact on the driving insurance class.

For the classification of drivers in this system and a half dozen classes are used. The first two are "M" and "0", and further from "1" to "13". For each of the classes, a personal KBM is calculated, which, due to a combination of positive signs, is capable of decreasing annually by 5%. Since the third class is assigned initially to beginners by the current gradation, its coefficient is 1. In the fourth grade, designated “4”, the coefficient decreases by 5% and corresponds to a value of 0.95. The fifth group has the designation "5" and is assigned after two years of trouble-free driving with a coefficient of 0.9, etc.

The smallest class is "M". Reaching coefficient at this position is 2.45, which is 145% higher than the standard cost of insurance. Drivers who received at least four compensations in one year from an insurance company fall into this classification.

Important! Reducing the cost of a CTP policy always happens gradually, and the company can increase its price one-time.

Drivers have the opportunity to check the MSC OSAGO on the basis of PCA. The virtual resource was created with the assistance of the Russian Union of Motor Insurers. You can get to the calculator page via the link: autoins.ru. For information, you must provide the following personal data:

• driver's license number;
• personal FOI;
• date of birth.

Our site allows you to learn the class of the driver for the OSAGO online. This helps to track all the available insurance history, regardless of past contracts concluded with various insurance companies. A virtual resource of auto insurers minimizes the possibilities for manipulation by commercial insurance companies of establishing current bonus-malus factors.

To determine your own class, it is enough to know the driving experience and the amount of insurance payments. Since during the initial acquisition of rights a third class is assigned, it is easy to determine the current value using a table.

For example, having come to the insurance company with its five-year accident-free driving experience, you can count on the coefficient of 0.75. If during the next year the company pays some one amount, then next year, according to column 4 of the eighth grade, you will be transferred to a lower - fifth. At the same time, the coefficient will increase to 0.9. With continued trouble-free driving next year, we can expect a decrease in the coefficient to 0.7 and a transition to the ninth grade.

See also: Tachograph driver card: where to get

The worst option in all situations is 4 payments per year. In any case, such a measure lowers the driver in the class of insurers to the level “M”.

Specialists of insurance companies identify several types of KBM during the registration of CTP:

• Elementary. This parameter corresponds to the value with which you first register with a specific insurance company or have gone from another specialist.
• Proprietary. The parameter is used in certain difficult situations and is tied to the owner of the vehicle.
• Driving. Personal coefficient assigned to each driver, fixed at the admission of several persons to drive a vehicle.
• Estimated. The most complete coefficient obtained after all calculations. It directly relates to the assigned class and appears in the formation of the final cost of the policy. The driver gets this value when using almost all online calculators.

Several drivers

Legislation allows for the formulation of a limited policy in which several drivers can be entered. A similar case has certain formalities:

• the calculation is based on a particular person, and the coefficient is set individually;
• the value of the premium in favor of insurance companies is carried out by the largest parameter of all the persons inscribed in the document, for example, if there is one 20% discount and the second 30% discount, the total ratio will be only 0.8, but personal coefficients in the database of the association of insurers will remain individual;
• the calculation of the multiplying factor established in favor of the perpetrator of an accident is applied exclusively to one person who has committed the accident.

You need to know that insurance companies in most cases approve the decision of questions on the spot by the participants in the event of an accident. Thus, the continuity of obtaining KBM is not affected. Often this is called the franchise effect.

Confirmation of class policy

The process of confirming the class received by the driver on the auto insurance system is carried out in several ways. Each of them depends on the current situation:

• The insurance company remains the same. The car owner often gets the most rapid and accurate result in such a case. It is enough for a specialist filling in a policy to verify current information with the internal corporate database on the availability of payments during the term of the contract. If there are no problems, then the next class is assigned.
• Insurance company is changing. The discount parameter is assigned after checking the information on the PCA virtual resource. It is necessary to take into account that this method is not always advantageous, as the previous specialist of the insurance company may be mistaken with entering information or not at all entering data on the concluded policy. This item must be timely monitored when you make a new contract.
• New contract. Even if the driver has many years of professional experience, this is not a reason to assign him a pre-reduced coefficient with a rate of less than one. When calculating, only the insurance experience in processing such contracts is taken into account.

Owners of cars may have a dispute regarding seniority or class. In such a case, it is necessary to write in writing to one of the offices of the Russian Union of autoinsurers. In this case, the best proof will be a documentary copy confirming your experience. Such a document may be the previous policy. In the absence of a response to the complaint and non-return of overpaid funds, you must contact the Federal Financial Markets Service.