Auto insurance discounts. What discount on MTPL insurance can you get depending on your driving experience? examples of calculations. What accidents are taken into account when calculating?

Discounts based on length of service are, in fact, not discounts. These are some of the coefficients that apply to the basic tariff for a “citizen car”. Due to these coefficients, the cost of a compulsory vehicle insurance contract can either increase or decrease.

REFERENCE! The size of these coefficients is determined by the insurers' objective risk-based parameters in each specific situation.

Do you need driving experience?

There are two types of connection between driving experience and the cost of the MTPL contract.

Size and receipt

First, let's look at the coefficient for the total driving experience. This type of driver experience can only have an increasing effect on the cost of compulsory motor liability insurance. According to this parameter, all drivers are divided into 4 categories:

If the driver’s age is less than 23 years, and his experience is less than 3 years, then the price of the compulsory insurance contract increases by 80%.
For drivers aged 23 years or more, with a total driving experience of less than 3 years, the price of a motor vehicle license agreement increases by 70%.
If the driver is under 23 years old, but received his license early and has a total driving experience of 3 years or more, then the cost of the “motor citizen” will increase by 60%.
If the driver is over 23 years old and has a general driving record of 3 years or more, then the cost of the compulsory car insurance contract will not be increased.

REFERENCE! If several drivers are included in the CASCO insurance policy, then the calculation is made based on the highest coefficient of total experience and age.

The reduction in the coefficient for little driving experience and age occurs automatically, based on data from the passport and driver’s license.

If we talk about the second type: experience for accident-free driving, then the situation is more complicated. All drivers are divided into 14 classes. The maximum discount for this parameter is 50%. To obtain it, you must drive for 10 years without an accident due to the fault of the policyholder (a 5% discount is awarded for each year of accident-free driving).

If, due to the fault of the policyholder, an accident occurs, then the driver’s class will decrease and his discount will be reduced, and if the driver regularly gets into traffic accidents through his own fault, then KBM will begin to increase the cost of compulsory motor liability insurance. The maximum increase is 145%, that is, almost 2.5 times. You can find out more about the minimum and maximum discount for accident-free driving.

When you first issue a policy, the driver is assigned class 3. According to this class, the driver does not receive discounts, but also does not receive an increase in insurance prices.

In general, KBM is calculated automatically, but it happens that data about it is lost. If the policyholder has, then he can do the following:

Contact the insurance company to clarify the discount on KBM.
If the insurer has not responded to the request, the policyholder must contact the Russian Union of Auto Insurers. This can be done through the website of this non-profit organization.
If an appeal to the RSA has no effect, then the policyholder will have to submit a petition to the Central Bank of Russia, the main regulatory body in the insurance industry. This can also be done electronically, through the organization’s website.

At each stage of restoration of a discount under the KBM, data on previously issued insurance policies may be required. Insurers are obliged to store them and issue them at the request of the policyholder, even if he is no longer their client.

Calculator

The only condition that should be observed is the use of official calculators on the websites of insurance companies and on the website of the Russian Union of Auto Insurers. This is due to the fact that private developers do not always keep up with legislative updates, and this can result in receiving incorrect data.

Examples

For example, let’s take a car, the base cost of the insurance policy for which is 4,118 rubles. Let's look at 3 options for the policyholder, so that it becomes clear how to make your own calculations.

The insured is a young driver, aged 20, who has just received his license and is taking out an MTPL insurance policy for the first time. In this situation, the calculation will be as follows: 4118 * 1.8 * 1 = 7412 rubles 40 kopecks.
The policyholder is an experienced driver, aged 45, who has been driving without accidents for the last 10 years. At the same time, he includes his son, who is 24 years old, but just received his license, in the insurance. In this situation, the calculation will be as follows: 4118 * 1.7 * 1 = 7000 rubles 60 kopecks.
The policyholder is a young driver, aged 22 years and with a total driving experience of 1 year. During his year of driving, he got into one accident due to his own fault, because of which his class as a driver was reduced to 1. In this situation, the calculation will be as follows: 4118 * 1.8 * 1.55 = 11,489 rubles 22 kopeks.

To summarize, it is worth noting that the system

According to the current law “On Compulsory Motor Liability Insurance” (Federal Law No. 40 of April 25, 2002), every car owner is required to enter into a motor vehicle liability insurance contract that provides financial protection in the event of an accident. When calculating insurance, a wide variety of indicators are taken into account, including the accident-free coefficient, also called KBM. What is the maximum MTPL discount for careful driving and is it really profitable?

Thanks to the use of KBM in determining the cost of insurance, a careful and experienced person can receive a fairly significant discount for accident-free driving under an MTPL policy, which leads to additional cost savings.

The bonus-malus coefficient is an indicator of how careful a car enthusiast is behind the wheel. This parameter is determined based on the number of requests to the insurance company for payments in the event of an accident. The more violations the policyholder has committed, the higher the cost of compulsory insurance. Accident-free driving is encouraged by the insurance company by assigning a reducing “bonus-malus” coefficient.
Depending on the number of accidents and the duration of accident-free traffic on the roads, the assigned indicator can lead to an increase in the cost of compulsory motor liability insurance by 2.5 times, or reduce it by half.

The parameter can be determined only once a year; in the future, recalculation is made when a new insurance policy is issued.

Despite the fact that the calculations use data from tables with many values, it is not difficult to find out your BMR. The fact is that when calculating the price of motor third party liability insurance, the indicator is taken from the RSA database, which stores information about all motorists in Russia since 2011. You can check the driver's class and determine your accident-free rating.

Procedure for assigning a driver class

Initially, a new policyholder receives a 3rd driving class, regardless of the length of actual driving experience. If a person has not committed a single violation that resulted in an insurance payment during the year, the motorist is assigned class 4. If you get into an accident, where the policyholder was the culprit of the incident, in which the injured party needed an insurance payment, the class is downgraded to 1st. As a result, when determining the cost of the next insurance, a multiplying factor will be used, increasing the final costs.

When concluding an insurance contract covering a motorist’s motor third party liability, the company must use information only from the unified RSA database. In some cases, there is no information about the policyholder in the database (for example, a person has just received a license and has no driving experience). In this case, an indicator equal to one will be used in the calculations.

The influence of the “bonus-malus” value on the cost of insurance

The CBM is appointed based on the results of the past year and information on the presence/absence of accidents in which the citizen was involved over the previous few years. If auto insurance is terminated early, the cost of the next policy is determined with a BMR equal to one.

The procedure for assigning a discount and calculating the policy can be seen in the following example. The initial driving class is 6, the cost of car insurance is calculated based on the corresponding table value of the BMC corresponding to the driver’s class - 0.85. This coefficient means the opportunity to reduce the price of the policy by 15%.

If during the insurance period an accident occurs with the payment of a premium, the driving class will change to 4th. Subsequently, when receiving a policy, a BMR of 0.95 will be included in the calculations. Accordingly, the contract price will decrease by only 5%. Thus, the accident resulted in a loss of 10% of the discount compared to last year. An accident-free year will bring the motorist an increase in driving class to 7, which means assigning a “bonus-malus” indicator of 0.8 and a reduction in cost by 20%.

The application of the “bonus-malus” indicator is especially harsh for those who do not want to drive according to the rules. If you are involved in an accident twice and compensation is paid to the victims, the policyholder is assigned the highest tariff with a coefficient of 2.45. The penalty box has a class “M”. To regain a coefficient equal to one, you will need to drive for a whole year without having a single accident.

Maximum discount for accident-free operation

The most beneficial use of KBM is for people who have been driving for years without accidents or insurance situations. Even if a driver with many years of accident-free experience made 1 insurance claim, the discount will not disappear completely, and after a year of accident-free driving, the indicator will be corrected.

After 10 years of travel without insured events, the maximum MTPL discount for accident-free driving will be assigned. The calculation looks like this:

Class 13 is determined based on driving experience, assigned after 10 years of accident-free driving.
When moving, there should not be a break in compulsory insurance for more than one year.
Each year spent without an accident reduces the coefficient by 0.05. Thus, for the 10th anniversary, the maximum discount will be half the cost (50%).

Features of the KBM discount for limited and unlimited MTPL

Despite the fact that insurance is issued for a car, when determining the BMI, driving skills and accident statistics for a specific person, and not for the vehicle, are taken into account. The reason lies in the fact that an insured event, as a rule, arises precisely as a result of incorrect actions of the driver (due to inexperience or careless driving style).

If only 1 person is driving, the procedure for assigning a driver class does not raise any questions. However, most often the list of persons allowed to drive a car in the compulsory civil liability insurance policy for motorists includes more than 1 person, or the insurance provides unlimited access to driving. This nuance is also taken into account when determining the price of the policy.

When access is limited, information about specific persons is added to the list, and when determining the cost, the calculated KBM is calculated, i.e., taking into account the lowest class of driver. If one person from the established list has committed a violation in the past with the payment of insurance coverage, the class of the driver himself is reduced and the coefficient increases, regardless of whether other citizens mentioned in the admission list were involved in an accident.

With unlimited admission for civil insurance, discounts are calculated according to the owner of the car. The values of the “bonus-malus” for unlimited insurance are calculated according to the data on payments of previous insurance contracts that expired no earlier than 1 year before applying for a new policy and the class determined under the last valid agreement.

How to find out your MTPL discount

To clarify information about a discount for a specific driver or car owner, it is recommended to use information from the unified database of the RSA (Union of Automobile Insurers of Russia). Only verified information from the official portal will be used by insurance companies to make calculations.

A driver who decides to check PSA information must understand that information entered on an unverified third-party site can be used by unauthorized persons, and their intentions are not always selfless.

Until recently, insurance companies kept information about their clients in their own archives. After entering the unified RSA database, every motorist can check their KBM and the MTPL discount at any time and absolutely free of charge.

Using the OSAGO online calculator, prices of various insurers are calculated, with all indicators established by law calculated. The procedure for checking the bonus-malus coefficient is as follows:

Go to the official RSA portal.
Enter information about the person’s full name, birth information and driver’s license number. As a rule, the registration number of the certificate also includes a series, which may contain letters. To correctly recognize information in the database, you must enter the series in English letters.
After completing the entry of contact information, indicate the desired start date of the insurance period under the new policy. To check the current value and information about what discount will be given for the next insurance period, it is enough to indicate the date according to the day of the request.
For security purposes, you will need to enter a verification code.
Next, click the search button.

After processing the entered information, the user will be redirected to a new page, which will reflect the current bonus-malus indicator. Based on it, the company will calculate the amount of the MTPL policy at a discount.

Despite the presence of many values and columns, each motorist will be able to independently understand how to find out the required values from the tables on the basis of which the KBM is determined. A simpler option for calculating the “bonus-malus” value involves going to the website of the Union of Auto Insurers and obtaining the current indicator.

The cost of MTPL policies is determined not at the initiative of the insurance company, but is approved by the Bank of Russia. It is calculated according to a certain algorithm, based on the base rate, which is multiplied by the odds.

In some cases, the driver can reduce the final price by his actions, for example, accident-free driving, or receive another discount.

○ How to find out your MTPL discount?

You can check your discount on the RSA website. To do this, you need to find the appropriate section and fill in information about the owner, the number of drivers allowed to drive, passport details, the start date of the contract, information about the vehicle, full name and date of birth.

If all information is entered correctly, the system will issue a coefficient that is valid for the existing insurance contract. If no agreement is concluded, then the value will be 1.

○ How is the cost of compulsory motor liability insurance formed?

The cost of the policy consists of the tariff and applied coefficients. All indicators are approved by the Bank of Russia, and the insurance company does not have the right to increase their value, therefore the cost of the policy in all insurance companies is the same.

For example, for a category B car owned by a citizen, the base rate is 3,432 rubles, which is multiplied by the coefficients:

Territories.
Accident-free driving (bonus-malus).
The number of persons admitted to management (if the number is unlimited, the coefficient has a maximum value).
Driving age and experience.
Vehicle characteristics (power).
Availability of a trailer.
Insurance period.

The values of all coefficients are given in Bank of Russia Directive No. 3384-U dated September 19, 2014.

○ KBM.

This is also the bolus-malus coefficient assigned for accident-free driving. For each year of such use of the car, the discount increases by 5% or decreases. The coefficient changes every year based on the data of the insurance contract.

Accordingly, in order to receive a discount, you need to drive carefully and not get into an accident.

The coefficient is determined by the driver's class. All new drivers have class 3 and a coefficient of 1. Then, after a year of accident-free driving, the motorist is assigned class 4, a coefficient of 0.95. If he gets into an accident once and receives one payment, then his class will become 1, and the coefficient will increase to 1.55.

○ Violation rate.

If the insurance conditions are violated, the driver will be subject to a violation coefficient. It has only two values 1 and 1.5. The coefficient is assigned in the following cases:

Providing false information in order to reduce the amount of the insurance premium.
Intentional road accident.
Intentionally causing harm to the health of another person.
Intoxication causing an accident.
Deprivation of rights.
Leaving the scene of an accident.
Driving a car by a driver who is not included in the insurance.
The collision occurred during a period when the policy was not in effect.

In addition to the increasing factor, the driver will be fined or lose his license for committing an offense.

○ Age and experience coefficient.

It is determined simply: the lower the age and experience, the higher the coefficient and vice versa. Young inexperienced drivers will pay the most, their coefficient is 1.8. The smallest value is 1.

“Up to 22 years of age inclusive with driving experience up to 3 years inclusive – 1.8;
More than 22 years with driving experience up to 3 years inclusive – 1.7;
Up to 22 years of age inclusive with driving experience over 3 years – 1.6;
More than 22 years with driving experience over 3 years - 1" (clause 4 Appendix 2 to the Directive of the Bank of Russia dated September 19, 2014 N 3384-U)

○ Territory coefficient.

Determined based on the traffic congestion of a certain subject and the number of accidents. It differs in different regions.

As a rule, it has the highest value in large cities and densely populated regions, such as Moscow (2), St. Petersburg (1.8), Chelyabinsk (2.1), Rostov-on-Don (1.8). The lowest - 0.6 in Crimea, Chukotka Territory, Jewish Autonomous Region.

In other regions, the coefficient has an average value from 1 to 1.8. In a subject, the coefficient is usually less than in its center.

○ Discounts for regular customers.

Some insurance companies offer discounts to regular customers or as part of a promotion. These discounts come entirely from the insurer and are not regulated by federal law. Therefore, in order to buy a policy at a reduced price, you need to either be a regular customer of an insurance company that shows loyalty to clients, or follow promotions and news in the insurance industry.

○ What if the insurance company did not provide a discount.

When taking out a policy, the insurance company may not provide a discount on the CBM. There are several reasons:

The driver changed his license and did not inform his insurer about it. Accordingly, there is a discount, but it applies to the old document. To avoid such situations, you need to notify the insurer about changes in the details of the driver's document in the database.
An error was made when filling out the policy. The data in the database is entered from the policy, so it is recommended to read it and check all the data. If an error is discovered after purchase, you need to contact the insurer and demand that the errors be corrected and the cost recalculated.
The insurance company lost its license and was liquidated, and along with it, the information disappeared. In this case, the driver must act through the PCA and restore his discount independently.

On our website you can make a KBM request online for free and in a convenient form.

Checking KBM through the RSA database

(The service interacts directly with the Russian Union of Auto Insurers)

How to order an MTPL policy from us?

All experienced motorists know that the cost of an MTPL policy differs depending on the driver’s experience and accidents that occurred through his fault (if insurance payments were made for the damage). In order to calculate MTPL discounts, a special coefficient KBM (bonus-malus) is applied. It should be noted that today this is the only coefficient that allows you to reduce the cost of insurance.

What is KBM

The bonus-malus coefficient is determined depending on the presence or absence of payments in case of insured events during previous contracts for compulsory motor liability insurance. Simply put, these are MTPL discounts for accident-free driving, and for each subsequent year of accident-free driving, the cost of the policy for a careful driver is reduced by 5%.

Previously, KBM was applied to a specific machine. Then, after selling it, the discount disappeared, and the car owner had to start all over again. Now this coefficient depends solely on the driver and belongs to him, regardless of what car he drives.

The discount remains even if you change insurance company, but the break in insurance must be less than a year. If the driver caused an accident, then the new policy, on the contrary, will cost him 50% more. Having carried out a KBM check through AIS RSA, you can now easily find out the insurance history of each driver.

How are discounts calculated for compulsory motor third party liability insurance?

If a driver signs an insurance contract for the first time, he is immediately assigned class 3 with a coefficient of 1.0. Each subsequent year of accident-free driving brings a 5% discount on insurance. For example, after three years of driving without an accident due to his own fault, the driver will receive a 15% discount on compulsory motor liability insurance.

If the car will be driven by several drivers, the minimum coefficient will be applied. For example, if your discount is 20%, and the discount of the second person in the insurance is 10%, then the rates will be calculated with a 10% discount. If one of the drivers is inexperienced, the cost will also be calculated, taking into account his data. Therefore, it is not profitable for careful car owners with extensive experience to include people with low coefficients in their policy.

Why do you need punching using the RSA database?

Since the beginning of 2013, all insurance companies in Russia have been obliged to check policies before calculating costs and issuing documents in order to verify which BMI the client has. Since then, in the event of an accident, failure to comply with this requirement can result in significant problems for the insured.

The Russian Union of Auto Insurers has made a lot of efforts to ensure that the bonus-malus system begins to work in full force. The bases were carefully refined. Now, thanks to the KBM check that has been put into operation, drivers who have caused accidents will no longer be able to prevent an increase in the cost of insurance even if they change insurance companies. Previously, this method was used by many unscrupulous car owners, since insurers could not check their history in a common database.

Now every auto insurer can conduct a KBM check of any driver using the RSA database. The automated system includes about 100 million contracts that were concluded over the last 2 years.

In the event that the insurance agent did not have access to the database, and the client gave him incorrect information, this will still be revealed in the future. Such a violation will lead to an increase in the cost of the policy by 1.5 times. Information about this client will be included in the database of all auto insurers. However, insurance companies are also obliged to promptly provide information to the RSA that they have entered into an agreement with the driver. They are given 15 days to do this. For errors and incorrect calculation of the coefficient, RSA applies penalties to insurers.

How else can you use AIS SAR

In addition to checking the KBM for compulsory motor liability insurance, an automated information system can help clients control the policy if they are not sure of the integrity of the insurance company. To protect yourself from forgery, you can check the document for free using the ten-digit number of the form on which the policy will be issued.

Can I check my KBM online?

If you are going to renew your MTPL policy, then you can find out your coefficient by sending a request to KBM. The data obtained will show you the cost of insurance you are entitled to.

To get this information, you only need to specify:

With or without restrictions;
Driver's full name;
His full date of birth;
Driver's license series and number;
Expiration date of the previous MTPL policy, if available.

The price of an MTPL policy depends not only on the power of the vehicle, driving experience, age and place of residence of the driver, but also on how carefully he drives on the road. Car owners who do not get into accidents (at least through their own fault) can count on a MTPL discount of up to 50%. But those who are often at fault for road accidents will pay 2.5 times more for insurance. Exactly how much the discount or premium will be depends on the bonus-malus ratio (BMR). So, what are the rules for calculating KBM?

Discount or penalty?

KBM is otherwise called a discount for accident-free driving. If the driver has never caused an accident over the past year, it means that the insurance company did not have to spend money on For this, the client can be encouraged and sell him insurance at a discount for the next year - provide a bonus.

If the driver got into an accident, the insurer had to fork out payments. And in order to compensate for its costs and at the same time encourage the would-be driver to be more careful on the road, the insurance company, by renewing the policy, will increase the price of compulsory motor liability insurance and provide malus.

What accidents are taken into account?

To begin with, we note that not every accident affects the calculation of the CBM. OSAGO is not property. Therefore, the calculation takes into account only those accidents in which the insurer had to make an insurance payment for its client.

If the driver is not to blame for the accident, or the incident was not registered with the traffic police, or the issue was resolved according to the European protocol, then this does not threaten the car owner with an increase in the cost of compulsory motor liability insurance.

Bonus-malus odds table

To determine the coefficient, the following KBM calculation table is used.

Allowances and discounts	Bonus-malus coefficient	Source class	New class
Allowances and discounts	Bonus-malus coefficient	Source class	0 fear. payments	1 fear. pay	2 fear. payments	3 fear. payments	4 or more insurance payments

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

The column titles indicate the number of cases in the past period in which 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 was involved in an accident more than four times. The numbers and letters in the body of the table show how the OSAGO class changes depending on the number of accidents on the road due to its fault.

The calculation of the KBM is carried out according to the following principle. One is subtracted from the coefficient value and the result is multiplied by 100%. When a person first purchases MTPL, he automatically receives class 3 with KBM 1. Such a driver pays 100% of the cost of insurance - without any discounts or surcharges.

If the BMR is determined at the level of 0.9, then it turns out: (0.9 - 1) * 100% = -10%. This means that 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 increases 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 from the table?

Before calculating the CBM, or rather, discounts or allowances in accordance with the insurance history, you need to determine the driver’s class in order to know which coefficient to apply.

Let's say a car owner recently received a license, bought a car and came to apply for compulsory motor liability insurance. He is assigned a standard 3rd class. A year passed and he came to renew his insurance. The employee looks at the insurance history and finds out that the client had no accidents in the past year.

The table shows that in the absence of an accident, after the expiration of the annual insurance period, the driver moves to class 4, and his coefficient decreases from 1 to 0.95. When renewing the contract, the car owner can pay for insurance with a 5% discount. Next time, when applying for compulsory motor liability insurance, 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 3rd to 1st, and the KBM will increase from 1 to 1.55. For insurance for the new year you will have to pay 55% more. Further, the calculation of the KBM will be made on the basis of the line corresponding to the 2nd class. Only after two years a person will be able to return to 3rd class and start earning a discount.

If the driver ends up in class M, it will take him a full five years to reach the standard 3rd class again.

If several people are included in the policy, then the discount or premium is determined by the worst of the coefficients.

How to find out your coefficient?

It is extremely rare that KBM is indicated in an insurance policy. Therefore, in order to determine your MTPL class and, accordingly, the size of the discount or premium, you will have to contact the insurer, calculate the CBM yourself using a table or use the RSA database.

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

On the RSA website, to find out the coefficient, you need to go to the “OSAGO” section and click on the “Information for policyholders and victims” tab. Among other information services you will find the determination of the coefficient. To obtain information, simply enter your full name and driver’s license number in the form that opens.

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