Often during the registration of the MTPL policy you can hear such a thing as "bonus-malus coefficient". What is the essence of this definition? What can it be? Is it possible to recognize it yourself? How to check driver’s KBM on PCA base? Find the answers to all these questions will help this article.
MSC: the essence of the concept
This concept arose only recently - 3 years ago. Then the state wanted to minimize the costs of motorists, namely, to reduce the cost of compulsory motor third-party liability insurance for so-called accident-free drivers. In other words, if the car owner did not become the culprit of the accident during the insurance period, then he can count on a certain amount of discounts. The amount of benefits for the driver and determines the very KBM.
Varieties of KBM
MSC can take on different meanings. Its exact size depends on the accident-free experience of the driver. The more years a car owner has not been involved in an accident, the more profitable for him will be the purchase of an insurance policy. To help drivers identify their own MSC, it will be correct to present the following table:
| KBM class | Bonus Malus Ratio |
| thirteen | 0.5 |
| 12 | 0.55 |
| eleven | 0.6 |
| 10 | 0.65 |
| 9 | 0.7 |
| 8 | 0.75 |
| 7 | 0.8 |
| 6 | 0.85 |
| 5 | 0.9 |
| 4 | 0.95 |
| 3 | 1 |
| 2 | 1.4 |
| 1 | 1.55 |
| 0 | 2,3 |
| M | 2.45 |
At the beginning of driving experience, class 3 of KBM is given , that is, the motorist cannot count on any discount. The next year, subject to a trouble-free ride, he becomes the owner of 4 classes, that is, he can apply for a 5% discount and so on. In other words, with every successful year of driving, the discount on the purchase of an insurance policy increases by 5%. The maximum benefit in the amount of a 50% discount should be calculated only if the car enthusiast has not been in an accident for ten years or more.
But, unfortunately, the size of the discount can not only increase, but also decrease: the more insurance cases there are, the greater will be the cost of compulsory motor liability insurance. So, especially “unsuccessful" car owners may have to pay 2.5 times more than the base cost of car insurance.
A table will be presented below showing how the KBM class changes depending on the number of insured events.
| Class at the beginning of the insurance period | Class at the end of the insurance period, taking into account the number of insurance payments |
| 4 or more cases | 3 cases | 2 cases | 1 case | 0 cases |
| M | M | M | M | M | 0 |
| 0 | M | M | M | M | 1 |
| 1 | M | M | M | M | 2 |
| 2 | M | M | M | 1 | 3 |
| 3 | M | M | M | 1 | 4 |
| 4 | M | M | 1 | 2 | 5 |
| 5 | M | M | 1 | 3 | 6 |
| 6 | M | M | 2 | 4 | 7 |
| 7 | M | M | 2 | 4 | 8 |
| 8 | M | M | 2 | 5 | 9 |
| 9 | M | 1 | 2 | 5 | 10 |
| 10 | M | 1 | 3 | 6 | eleven |
| eleven | M | 1 | 3 | 6 | 12 |
| 12 | M | 1 | 3 | 6 | thirteen |
| thirteen | M | 1 | 3 | 7 | thirteen |
How to check driver’s KBM on PCA basis for each year
Unfortunately, on the official website of car insurers (RSA) there is no special service that allows you to calculate a discount on the purchase of an insurance policy. The only thing here for this is the table above. However, there are many other sites that can do this. So, for example, by clicking on the link http://librax.ru/proverka-kbm.html, you can easily and quickly check the KBM on the basis of PCA for each year.
To do this, fill out the following items:
- the number of drivers who will be allowed to drive the subject of insurance;
- date when it is planned to take out new insurance for compulsory motor third-party liability insurance ;
- full name of drivers;
- their date of birth;
- driver license numbers.
After that, it remains only to click on the "check" button, after which the information of interest to the user will be displayed.
How to check driver’s KBM on PCA database, if an error occurs
Drivers are not always able to get the required data the first time. There may be 2 reasons for this:
- The user made a mistake in entering data. Solution: check all fields for errors.
- The driver changed his driver's license from the moment of purchase of the last CTP insurance policy. In this case, in order for the KBM verification on the SAR basis to be successful, the old "rights" data must be entered.
Example of self-calculation
To find out the cost of the insurance policy for the next insurance year, the simple calculation example below will help. So, let the date of purchase of this insurance is November 11, 2015. For this period, the value of the class and the bonus-malus coefficient have already been determined. For example, they accept such indicators: class 6, MSC - 0.85. To find out what the coefficient for the next insurance period will be, you should do the following (this will help the table that was already given above):
- View the line where the class is 6 and the KBM is 0.85. Then, depending on the number of insurance payments in this insurance period, you can determine your class for the coming year. That is, if we consider the values ​​from the example, then in the absence of an insured event the class will be equal to 7 (KBM - 0.8), if one insurance situation arises, the class will be 4, with two - 2, with three or more - M.
- After determining the KBM class, you can easily calculate the discount on a new compulsory motor insurance policy. This will help the first table in the article.
Having performed such simple manipulations, you can find out the approximate cost of car insurance for next year. If the calculation causes any difficulties, then the best way in this case is to check the KBM on the basis of the SAR with the help of special services. They will help to quickly and easily solve this problem.
Now we know how to check the driver’s KBM on the basis of PCA. Therefore, it remains only to wish the drivers a happy journey.