Today, a huge number of vehicles travel on the roads of our country. When buying a car, the driver should immediately worry about the design of CTP. After the cost of insurance services doubled, more and more drivers began to think about how to save on insurance policies. There are several main ways for this, one of which is a discount on the insurance coefficient set by the state. Therefore, many car owners are interested in the question of how to return the overpayment for KBM for compulsory motor liability insurance.
Erroneous accrual of KBM when renewing an insurance policy
When extending insurance, many drivers are faced with the fact that its cost is very high, and the discount, on the contrary, has decreased or completely disappeared. The fact is that since 2014 all insurance information has been entered into a single database, when entered into which information may be indicated incorrectly. As a result of this, when renewing car insurance, the final cost of the policy may be incorrectly calculated. Moreover, the reason for this is not the intention of the insurer to deceive his client, but in the human factor.
Discount size decreased: what is the reason?
If you want to save on insurance for your vehicle and are thinking about how to return money for KBM under CTP, then you first need to figure out why the size of the discount can be reduced. This can occur for several reasons, which will be discussed later.
Change of type of insurance policy
As you use the insurance policy, each driver accumulates points, which he can then use for discounts. However, when changing the insurance program, for example, when switching from a regular program to a policy with an unlimited validity period, these points can be reset. How to return KBM for compulsory motor liability insurance in this case? This is entirely possible only if a new insurance policy is issued for the same vehicle by one owner. Otherwise, the accumulated points are burned out, and you can not count on any discount.
Approval to drive multiple vehicles
If the driver, due to his activity, has the right to drive different cars at the same time, and he is indicated in several insurance policies at the same time, then the insurer may not take into account points when extending insurance. How to return money under the CBM OSAGO policy in this case? Almost nothing. The thing is that the insurance company, when calculating the cost of the policy, takes into account the number of points from the driver who has fewer points. This is prescribed in the contract, therefore, the right to overstate the coefficient is completely legal and is reserved by the insurance company.
Accident or accident insurance
The presence of accidents involving the driver also affects the number of points and the size of the discount. If the interval between accidents is less than 12 months, then all accumulated points are completely burned out. If the driver drives very carefully and does not get into traffic accidents, then the cost of the insurance policy for him decreases by 5 percent every year.
How to get KBM back: discount recovery instructions
Each driver is interested in the question of how to return money for KBM for compulsory motor liability insurance. Despite the fact that this procedure is not easy, and you will have to tinker with a lot of documents, nevertheless there is an opportunity to restore your discount on car insurance services. What will be required for this will be discussed later.
What does the KBM recovery process look like?
There are several ways to restore your accumulated points and reduce the cost of insurance when renewing a policy. To do this, you will have to go around more than one organization and spend a lot of time. However, before submitting an official request, two conditions must be met:
- prepare the necessary package of documents;
- find the culprit of the error.
Let's dwell on each item in more detail and see how to return CBM discounts on compulsory motor liability insurance.
What documents need to be prepared?
To restore your legal right to receive discounts when renewing insurance, you need to prepare the following documents:
- passport;
- rights;
- all insurance policies that you have used for all the years of driving experience.
It is worth noting that you will have to contact a large number of instances both personally and via the Internet, therefore it is recommended that you scan all documents on a computer and make them photocopies. How to return KBM for compulsory motor third-party liability insurance if you do not have old policies? In this case, you will have to contact all insurance companies whose services you used and take the relevant certificates.
Error search
It is impossible to answer the question of how to return the difference in the CMTPL insurance without fixing an error that entailed the burning of points accumulated by the driver. Having an idea of the reason for reducing the size of the discount, you can significantly speed up the whole process and save a decent amount of time.
To find the cause and time of the error, you will need to check all issued policies through a special online service at the date of conclusion of the contract. It will take quite a lot of time, since you will have to check for each month, however, this is a necessary measure, so you just can not do without it.
If you always followed each insurance contract and controlled the calculation of the cost of the policy, then in case of an error, the problem should be looked for in one of the last contracts. If you know the exact time when the mistake was made, you can begin to restore the discount.
How to restore KMB: a step-by-step guide
So, you have prepared all the necessary documents and installed a mistake that led to a reduction in the insurance discount. What should be done next to restore the KBM and return the overpayments for mandatory car insurance? This can be done using several methods that require applying to one or two state authorities. You can do the following:
- Try to resolve the problem directly with your insurer.
- File a complaint with the Central Bank of the Russian Federation.
- Submit an application to the Union of Auto Insurers.
- Use some other leverage over insurers.
Each of these methods is very effective and in most cases your problem with a discount on insurance will be solved, however, to understand what needs to be done in each case, let's talk in more detail about each of them.
Solving the problem directly with the insurance company
If you are considering the question of how to return KBM CTP in Rosgosstrakh, an application to the Central Bank of the Russian Federation will be one of the most effective ways, since this body can deprive the insurer of a license, which absolutely all companies are afraid of. Therefore, each insurer considers all complaints and appeals of its customers and tries to resolve them as soon as possible so as not to make public.
Today, the websites of most insurance companies have a special section, by going to which the client can fill out a special form, describe the essence of the problem and attach scans of all necessary documents. In order to further motivate the insurance company in considering your appeal and solving the problem, along the way, you can send by registered mail a separate appeal with an attached package of necessary documents.
Complaint to the Central Bank of the Russian Federation
How to return CBM for compulsory motor liability insurance in Rosgosstrakh by filing a complaint with the CBR? This method is the most effective today, because the Central Bank is very tough on any complaints about insurance companies received from citizens. To file a complaint, you will need to do the following:
- Go to the website of the Central Bank and go to the "CTP Information" section. At the bottom of the page there will be a corresponding button, clicking on which an online form for processing a complaint will be opened.
- In the form that opens, select "Incorrect use of KBM."
- You will be redirected to the information page, on which you will need to click the "No, proceed to file a complaint" button, fill in all the fields and attach scanned copies of the necessary documents as an attachment.
- On the next page you need to specify your details and contact phone number.
The time for consideration of customer complaints by the Central Bank of the Russian Federation takes 10 calendar days, for which your problem will be completely resolved.
Applying to the Union of Auto Insurers
Many drivers do not have the slightest idea about how to return the KBM for compulsory motor third-party liability insurance through RSA, however, filing a complaint to this organization is no less effective than contacting the Central Bank of the Russian Federation. Despite the fact that the PCA does not have the right to amend the unified insurance register, nevertheless, this organization has a lot of opportunities to influence the insurers.
To file a complaint, it is necessary to draw up a petition in which you should describe in detail the whole situation and indicate the reason for your petition, and then send it to the PCA email, which you can find out on the official website of the organization, attaching scanned copies of documents to the letter.
Alternative solutions to the problem
If you used each of the methods described above, but for some reason they did not bring any results, then what should you do next and how to return the KBM for compulsory motor liability insurance? In this case, you should collect all official documents and your appeals to all bodies and apply to the court. However, you should only take this step if you are completely sure that the law is on your side. Along the way, you can file complaints with the FAS, Rospotrebnadzor and OZP.
In addition, you can simply change the insurance company. Due to the high competition, many insurers offer a special offer for new customers, which allows drivers to return all their lost points when applying for a policy.
How to return an overpayment on an incorrectly calculated insurance coefficient?
Sometimes it happens that the driver, when applying for or renewing the policy, was charged the wrong coefficient, which he paid. How to recover the lost KBM in compulsory motor third-party liability insurance in this case and is it possible to count on anything at all?
If the insurance company has accumulated debt in relation to its client due to incorrectly accrued KMB, then it can be returned. To do this, you must:
- Restore the actual size of the insurance coefficient.
- Collect 2 packages of documents: one for the insurance company, and the second for yourself. The insurer will need to transmit the original letter with a response to your appeal from the Central Bank, the original application for a refund of financial funds, as well as bank details. You yourself will have to leave notarized copies of the above documents.
- Transfer the package of documents to the insurance company and certify a copy of the letter and application.
After completing all these steps, the insurer simply will have no choice but to return to you in full all overpayment for incorrectly calculated KBM.
Useful tips and tricks
So, we figured out how to return KBM for compulsory motor liability insurance. However, any problems associated with compulsory car insurance can be avoided, and the following useful tips and tricks will help you with this.
If you are applying for a new insurance policy, but before that you have made a replacement driver’s license, so that the accumulated points do not disappear, you must specify the reason for the replacement and the serial number of the old document in the “Special Notes” field.
To avoid mistakes on the part of employees of insurance companies, when filling out the next policy, ask them to personally enter information about the documents, and then carefully reread all the fields and check the relevance of the data entered.
In 2011, a law came into force that prohibits insurance companies from depriving their customers of accumulated points. Therefore, if you are told that nothing can be done and the discount cannot be returned, then simply file a complaint with the appropriate authority or authority.
Conclusion
Thanks to the information in this article, there are now several powerful tools in your arsenal with which you can restore your discount on car insurance services in the event of various problems. Do not be afraid to contact the insurer or file complaints with the relevant state institutions, as they exist in order to protect the rights of citizens. Do not rush to fill out a policy at the first insurance company. Due to the fact that today there is huge competition between insurers, each of them is fighting for its customers, offering the most favorable conditions.