Application for restoration of KBM

The bonus-malus ratio (BMR) reflects the insurance experience of a motorist. With careful, accident-free driving, the driver receives a discount on issuing an MTPL policy. If, in the past, compensation was paid due to an accident, fraudulent actions on the part of a road user were recorded, then the BMI will be increased and the cost of insurance will increase. However, in some cases the coefficient is incorrect. Possible causes of the error include: inattention of the insurance agent, replacement of documents or system failure. To adjust the value, you must submit an application for restoration of the KBM. Read more about submitting a request and the time frame for consideration below.

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Application for restoration of KBM

The application form for the restoration of the KBM is not approved by law. The request can be made in free form, but be sure to indicate the following aspects:

FULL NAME. If the last name, first name or patronymic changed during the insurance period, then the previous data should be additionally indicated.
Driver's license details. It is worth entering the series and license number, indicating previous licenses that have already expired (if any).
State the essence of the problem. The complaint must contain a detailed description of the situation, without accusations, threats or arguments. The text should be concise, and the claims should be to the point.
Indicate ways to solve the situation. A request for adjustment of the BMR is included in the claim. If desired, you can request a recalculation of the cost of previously issued compulsory motor liability insurance. In this case, you will have to prove that the error in the coefficient caused financial losses.
Contact details. It is worth writing a contact telephone number, email address, and place of residence. Otherwise, the response to the claim may be lost.
Date and signature. At the end of the application for restoration of the KBM, you should indicate the date the application was drawn up and sign.

Expert opinion
Maria Skoraya

Insurance expert

OSAGO calculator

When making a request, it is important to follow the rules of the Russian language. Additionally, you should refer to the legislation. For example, to the Federal Laws “On the Protection of Consumer Rights” No. 2300-1 and “On Compulsory Insurance of Civil Liability of Vehicle Owners” No. 40.

Features of the insurance policy and KBM

OSAGO is a type of compulsory insurance against the risk of civil liability that occurs in the event of an accident causing damage to the property, life or health of the victim (clause 1, article 4, Federal Law No. 40 of April 25, 2002). All car owners in the Russian Federation are required to take out this version of the insurance policy.

The MTPL policy is issued for a period of 3 to 12 months. Therefore, car owners need to pay for insurance at least once a year.

The government has developed a system of incentives for owners and drivers of vehicles who use their cars and do not get into accidents. This incentive is provided in the form of a bonus-malus ratio (BMR).

KBM is a special discount under compulsory motor liability insurance, which is provided to a civil or legal entity at the time of the next registration of an insurance policy. The size of this discount increases with each new registration if the car owner does not become involved in an accident.

The initial (at the time of registration of insurance) amount of the CBM is equal to 1. For each subsequent year without accidents, at the time of registration of the insurance policy, the discount on compulsory motor liability insurance increases by 5%. Its size, after 10 years without an accident, can increase to a maximum of 50%.

How to submit an application electronically

The application for restoration of the KBM should be taken to the nearest office of the insurance company that issued the last compulsory motor liability insurance. However, it is easier to submit your request electronically.

The nuances of the procedure depend on the company and are described on the official websites of insurance companies. So:

Rosgosstrakh accepts requests from the website, just fill out the form to review the KBM;
AlfaStrakhovanie calculates and adjusts the BMR on the website after filling out the form;
Consent accepts scanned copies of the application in electronic form;
VSK Insurance processes requests in the office and by email.

Information about the method of submitting an electronic request must be clarified on the website of the insurance organization or by calling the company's hotline. It is advisable to send emails after enabling the delivery report. It is important to retain information about the acceptance of the appeal until the issue is resolved.

Reasons for reducing the discount

First, you need to make sure that the coefficient in the RSA database is really incorrect, because the driver himself can be mistaken. To do this, double-check the following facts:

The discount is provided for a full year of accident-free driving. If the driver was included in the policy in the middle of its validity or the driver drove for only six months, the discount is not provided.

The discount applies to insurance contracts concluded within a year after the completion of the previous one. If the period between two insurance contracts exceeds 1 year, the discounts are reset to zero and you will have to accumulate them again.

The maximum discount is 50%. If the driver already had class 13, in the next period he will also be assigned class 13. The discount does not increase further.

Once you are sure that the error still exists, try to determine the cause of its occurrence. Among them are the following:

Several drivers allowed to drive. If a driver was listed on multiple insurance policies, there may be confusion. Insurance company employees could not take into account the individual class of each driver and set everyone to 3rd class.

The occurrence of an insured event.

Making changes to the insurance policy, information about which was not transferred to the database.

Replacement of driver's license. Insurance company employees may not have provided the details of the new document.

Registration of unlimited compulsory motor liability insurance. In this case, the class is assigned to the owner of the vehicle, which may differ from the class of the driver driving it.

Termination of the insurance company's activities. In this case, the company simply did not enter the data into the RSA database at the end of the year, since by that time it had ceased to exist.

Insurance agent error. The error is explained by the human factor, when employees, through inattention or intentionally, enter false information into the database, may miss a letter in the last name, or indicate the wrong date of birth or symbol in the driver’s license number.

Terms of consideration

Restoring a driver's license is a lengthy process that involves studying the driver's history, submitting requests to various authorities and entering new data into the system. An application for restoration of the KBM submitted to the RSA is considered within a month. It will take approximately the same amount of time to study the request with the insurance company.

By law, when considering an application, an organization cannot exceed a period of 30 days. When submitting an application, it is important to keep the second copy with a mark. This is proof of the irresponsible work of the insurance company in case of delay.

What is KBM, how is the coefficient calculated

The basic tariff and adjustment factors, which include the insurer's risks, are established at the legislative level. One of the corrective parameters is bonus-malus. This is the only value that a car owner can influence by showing results of accident-free driving at the end of the insurance period. The indicator is aimed at rewarding policyholders for whom they did not have to compensate for damages to victims of accidents, and at punishing persons through whose fault one or more accidents occurred.

CBM directly depends on the class of the insured, of which there are 15 in the discount system. When registering for the first time, the driver is assigned class 3. If accidents were recorded during the insurance period, which is assessed before April 1, then the indicator, depending on the number of accidents committed, may be reduced to 1 or M. As a result, the bonus malus will increase to 1.55 or 2.45, respectively, increasing the cost of insurance to 145%.

You will be able to save on compulsory motor liability insurance if there are no accidents during the contract period. In this case, the driver’s policyholder class will increase and the bonus malus will decrease, resulting in a reduction in the cost of the policy by 5%. The discount system provides for a maximum reduction in the price of MTPL by 50%, which corresponds to policyholder class 13.

What package of documents will you need to collect?

The specific list of documents required to submit an application for restoration of the KBM depends on the situation that led to the incorrect display of the coefficient. The car enthusiast will need to attach to the request:

a copy of a passport or other identity document, with the obligatory indication of information about previously issued documents;
copy of driver's license;
copies of current and previously issued OSAGO policy forms;
certificates from insurance companies confirming the absence of compensation under MTPL contracts in the past;
confirmation from the State Traffic Inspectorate about accident-free driving.

When changing your full name, you may need marriage/divorce certificates or other documents confirming the legality of the change in personal data.

To avoid incorrect BMR, it is worth notifying the insurance company of any changes in personal data. Obtaining new rights or changing your last name may not be reflected in the automated system, which will lead to errors when calculating the cost of compulsory motor liability insurance.

1st method. Contact the Central Bank of Russia

This method is the most reliable. You need to contact the Central Bank with a complaint about the KBM under compulsory motor liability insurance and they will immediately bring you to the same denominator

You can submit a complaint to the Central Bank regarding the CBM via an electronic form on the website https://www.cbr.ru/Reception/Message/Register?messageType=Complaint

Scroll down to the section “Insurance organizations” - “OSAGO”, select the topic of the complaint “Incorrect application of KBM (discounts for accident-free driving) when concluding a contract”

Fill out the form provided

BE SURE TO ATTACH (UPLOAD) A SCAN OF THE INSURANCE POLICY WITH A MINIMUM CBM or A CERTIFICAT OF NO INSURANCE PAYMENTS FROM THE PREVIOUS INSURANCE COMPANY.

You will receive a notification of receipt of the complaint to the specified e-mail.

The Central Bank itself will request all the necessary information and send your complaint for consideration as appropriate; you will receive a Notification by mail about the progress of the consideration of the application at the Internet reception of the Bank of Russia.

Dear V________ Your application for No. OET-### dated 01/28/2016 was sent according to the affiliation to ____________ under No. ####### dated ____________. This message is generated automatically. Please don't answer it.

And upon completion of the inspection, you will receive a letter from the Central Bank about the results of the inspection.

The Central Bank must carry out the inspection within 30 days from the date of filing the complaint.

And after that, incorrect data will be removed from the AIS RSA database for KBM and the correct data will be indicated. And you can check the correctness of the KBM.

This is the only sure way to restore KBM for free!

As Bodrov said in the film

All the power is in Moscow, brother! (With)

Where to file a complaint if the time for making a decision has expired

Unfortunately, insurance companies often delay the consideration of an application for restoration of the CBM. In this case, it is worth filing a complaint with higher authorities.

RSA

The Russian Union of Auto Insurers accepts requests remotely via the Internet. To file a claim for adjustment you must:

go to the official website of the Union;
go to the section “Contact RSA”;
application of the established form, fill it out on the computer or by hand;
send a scanned copy of the request by email

The claim should be formulated competently, briefly, but without omitting important details. In addition to the request, it is important to attach the documents specified earlier: passport, driving license, copies of compulsory motor liability insurance policies.

Central Bank

The Central Bank of Russia regulates the activities of insurers, therefore it is the highest authority directly involved in the restoration of the CBM. There is no point in immediately contacting the Central Bank: the organization will reject the request, redirecting it to local companies. However, in some cases the appeal is quite justified, for example:

if the insurance company delays the adjustment process;
if the company unreasonably refused to change the coefficient and recalculate the cost of compulsory motor liability insurance.

You can submit a request to adjust your bonus malus online. The application must be accompanied by not only the above documents, but also official waivers from the insurance company (if any).

Expert opinion

Maria Skoraya

Insurance expert

OSAGO calculator

If the authorities are in no hurry or do not want to restore the KBM, then you can contact Rospotrebnadzor. The organization accepts claims during a personal meeting, through the official website or by mail. As a last resort, you can defend your rights and demand compensation for material and moral damage in court.

Why is it necessary to restore the KBM?

If you restore the KBM in the Guide, you can return discounts on insurance. When the indicator is reset to zero, the car owner will be billed for the MTPL insurance premium in the amount that is relevant for a novice driver. An unpleasant factor will be an increase in the cost of the policy for reasons that are not legally justified. To rectify the situation, restore the KBM and return discounts for compulsory motor liability insurance in the Guide, you need to:

open the RSA website and check how the bonus malus changed monthly;
identify the period when an error occurred in determining the BMR;
analyze what the problem may be related to;
file a complaint regarding the unreliability of the KBM in the Guide with a reasonably reflected claim and demands put forward to return the discount under compulsory motor liability insurance;
submit the completed document and attach to it the previous policy, which used a different indicator value, or indicate that the insurance document has not been preserved;
receiving a response from the insurer.

It is not always possible for a driver to immediately identify that the insurer has applied a different bonus-malus when determining the cost of compulsory motor liability insurance and restore it in a timely manner. If over several insurance periods the car owner has used the services of different companies, then in order to achieve a recalculation of the CBM and return the discounts, he will have to file a complaint with all organizations in order to find out which of them made a mistake.

If discounts for compulsory motor vehicle liability insurance in the Guide were canceled after replacing the driver’s license, then you will also have to file a complaint notifying that an incorrect bonus-malus was erroneously assigned, and with a requirement to make the appropriate changes. It is worth noting that according to the law, the procedure for changing rights is carried out every 10 years. During the process, the document number changes, so the insurer should be informed about this event.

If your rights change during the validity period of your current insurance, then after receiving a new document, it is recommended to immediately inform the insurance company of information about its registration parameters. The “Guide” notification in this case will not affect the amount of the current discount, but will prevent confusion in the event of registration of insurance circumstances for an accident, since the number of the certificate specified in the insurance will not coincide with the real information.

A complaint with a request to restore the CBM is submitted personally by the insurer when contacting the insurance company. It is possible to send the document by registered mail with the option of notification and a list of attachments. You can send a request to check the correctness of the coefficient from the official website by clicking on the corresponding link in the “OSAGO” menu. The insurer is given 30 days to consider the complaint.

Sample application for restoration of KBM in the RSA

To restore the KBM through the Russian Union of Motor Insurers, you can use the free request form. Below is a statement to guide you in describing your situation. It reflects the full name, contact details, information about the driver, and policy information. There are links to current legislation.

If you don’t want to waste your time and nerves communicating with the insurance company, then you can use the services of brokers. They themselves send requests to the necessary authorities. Brokerage services are inexpensive, but there is a risk of encountering scammers and not getting results.

How to return an overpayment for compulsory motor liability insurance due to an incorrect KBM?

If for any reason the vehicle owner overpaid for the cost of the policy, although he had every right to receive a discount, he can try to get a refund of the overpaid funds.

To receive compensation, the car owner must send an application to the Investigative Committee indicating such a requirement.

When the insurer refuses to pay the money due to the driver, the client of the insurance company has the right to appeal to the Central Bank. Department officials will conduct an investigation and then send a request to the Investigative Committee obliging them to pay compensation. The vehicle owner can receive his money if he provides the insurer with his own personal account number.

Grounds for filing a complaint

A common reason for filing a complaint against an insurance company (IC) is the untimely payment of compensation in the event of an accident, despite the terms of the contract.
Many insurance companies evade fulfilling their obligations, violating legislative norms and consumer rights. In this case, appealing to the RCA is an opportunity to resolve the conflict without involving the court. There are also other reasons for filing an appeal to the Union of Auto Insurers:

extension of the payment period for no apparent reason;
unlawful refusal of payments;
non-recognition of the incident as an insured event;
refusal to renew or issue a policy for compulsory motor liability insurance;
imposing additional services that are not mandatory within the program;
unlawful retention of documents that the policyholder may require;
provision of not all services under the contract.

You can complain about a CBM that was installed incorrectly by the insurer. This coefficient affects the cost of the insurance policy.

Reference! Before contacting the RSA, you must make attempts to resolve the conflict yourself. To do this, you need to directly contact management, customer support.

Reasons for refusal to consider a complaint

Registration of citizens' appeals is carried out immediately on the day of receipt.
But some documents will not be accepted immediately for consideration. Among the grounds for refusal of registration are:

non-compliance of the set of documents with the established requirements (for example, if the main completed complaint form is not attached to the email);
anonymous requests (in the absence of contact and personal data);
presence in the text of obscene language, insults to employees of the insurance company, RSA.

A decision on the appeal will not be made in the following situations:

appealing the actions of a company that is not on the list of RSA participants (the organization will not be able to influence the violator);
transfer of only a copy of the document, while the main complaint is sent to another authority (for example, to the Central Bank of the Russian Federation);
In accordance with the information specified in the appeal, it is impossible to draw a conclusion about the nature of the offense.

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conclusions

Summarizing all the previous material, we can highlight the main topics from this article :

KBM is a bonus-malus coefficient, which is awarded to the driver for his driving experience and accident-free driving on the roads.
Changes to the KBM can be legal and erroneous; before you write a complaint to various authorities, you must first understand why they happened.
It is worth keeping track of your discount on the website and saving all insurance policies for previous years, so that if something happens, you can attach them to your appeal for illegal changes to the KBM.
To restore justice, you need to apply to the insurance company, and if this does not help, then to the RSA and the Central Bank of the Russian Federation.
If you have exhausted all means and received refusals on all fronts, then the court is the last resort.

Do not be negligent in your requests, make sure that your data is updated on time and filled out correctly, and also control the discount online. If any changes occur in the legislation, updated material will be published on our website.