The rules for using the KBM table will be useful both for professional drivers with many years of experience, and for car enthusiasts who have recently passed their exams and received their long-awaited license. The law, as they say, is the same for everyone!
For driving a vehicle without insurance (absent or expired), the fine in 2021 is 800 rubles and 500 rubles if the vehicle is driven by a driver who is not included in the insurance certificate. Tariffs for compulsory motor liability insurance are set officially by the State and a unified database is maintained for all insured persons.
What is KBM?
For drivers who did not get into an accident and drove the entire previous year without accidents, the value of the Bonus-Malus coefficient will decrease in the next calendar year, which means the cost of insurance under MTPL will be lower than last year. But the opposite is also true - a traffic accident was recorded with your participation and the insurance company paid the injured party for repairs, which means you will have to pay more.
For information:
From April 1, 2021, the calculation of the KBM for compulsory motor liability insurance has changed:
- The KBM value will no longer be lost if more than a year has passed since the last insurance;
- The date for changing the coefficient is the same for everyone - it is April 1 and the value is fixed and applied all year until the next April 1;
- The doubling of coefficients has stopped; if you have several cars, the KBM indicator has become the same for everyone;
- The minimum value of the BMR for the previous two years is taken into account if several different data are found in the database.
Beginner driver level
When purchasing a compulsory MTPL policy for the first time, a novice driver does not have the right to count on receiving a discount on the CBM. Typically, for such drivers, the coefficient value is initially set to o. However, with careful driving without accidents, after a year for a novice driver, the indicator may change and will be equal to 0.95.
Initially, the insurance company assigns the driver class 3, and for accident-free trips he has every chance of receiving class 4 next year. Upon completion of one accident-free year, the indicator will decrease, but accidents committed in previous years will not be forgotten, but will remain in the database and will affect the discount percentage.
KBM depends entirely on driving experience. A class will be assigned to each car owner after purchasing a policy. There are 14 of them in total. A newcomer with zero experience will receive class M, that is, minimal. By the way, class zero can also be assigned to those who have more than 10 years of experience if they have been involved in four or more accidents in previous years. Beginners should be extremely careful when traveling, as any accident will lead to an increase in the cost of the insurance policy. This is especially important during the first year of insurance.
Newcomers without insurance experience should avoid increased insurance rates at all costs. There are frequent situations when novice drivers are in no hurry to take out insurance so that their vehicle does not change. Having scratched the hood of a neighbor's car or accidentally broken a headlight when leaving the garage, they do not contact the insurer. You can always reach an agreement with the other driver and compensate him for the damage or eliminate the consequences of the collision yourself. The price of the issue is sometimes only 1500-2000 rubles. If you register the incident with the Investigative Committee, the driver’s class will be lowered, and the BMC will be greater than one.
If a newcomer has recently completed training at a driving school and has three years of driving experience, then discounts corresponding to classes from 0 to 2 can be applied to him. The size of the discount is calculated by multiplying the cost of compulsory motor insurance by the bonus-malus coefficient.
Table of values of KBM OSAGO from RSA for 2021
To make it easier to calculate the cost of insurance, there is a table with the main parameters that affect the price. This is the class at the beginning of each period, the value of the coefficient used when calculating the amount of insurance and the class of the next accrual period. Today there are 15 classes of driver insurance .
Let's consider in detail how to check or calculate the KBM using the Table as an example.
Instructions for use and table symbols
Initially, if you receive insurance under compulsory motor liability insurance for the first time:
- class at the beginning of the term.
The whole calculation starts from 3rd grade;
- KBM.
The coefficient is set to 1 .
It is from these two parameters that subsequent insurance discounts are calculated.
- End of term class.
After a year, the next class increases or decreases and this depends on your successful or not so successful driving during the year.
KBM table - calculate your class using examples
Within the framework of the law, the price for compulsory motor liability insurance is determined according to tariffs that are approved at the legislative level. It is important to note that these are the same for all insurers who sell protection in person or online.
When making calculations, we take into account the bonus-malus coefficient (BMC). This indicator is determined according to a special table of the KBM 2021, which has remained unchanged since 2002.
| Class | KBM | Increase in price – Discount | Number of insured events (payments) that occurred during the period of validity of previous MTPL contracts | ||||
| 0 | 1 | 2 | 3 | 4 | |||
| Class to be assigned | |||||||
| M | 2,45 | 145% | 0 | M | M | M | M |
| 0 | 2,3 | 130% | 1 | M | M | M | M |
| 1 | 1,55 | 55% | 2 | M | M | M | M |
| 2 | 1,4 | 40% | 3 | 1 | M | M | M |
| 3 | No | 4 | 1 | M | M | M | |
| 4 | 0,95 | 5% | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 10% | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 15% | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 20% | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 25% | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 30% | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 35% | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 40% | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 45% | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 50% | 13 | 7 | 3 | 1 | M |
The KBM table consists of several main sections:
- class at the beginning of the insurance period under the policy;
- coefficient that is taken into account in the formula when calculating;
- a class that is taken into account when concluding a new policy, depending on the presence or absence of insured events.
Note! It is worth taking into account that the emergency CBM for a new period is applied only if the insured driver was at fault for the accident.
When the owner of a car or a traffic participant first visits the insurance office to purchase protection, he is assigned an initial - 3 class. It is from him that the calculations up and down the table will take place.
Example #1
After the first year of compulsory motor liability insurance, the insured driver had no accidents. When calculating a new contract, the insurer uses class 4, which corresponds to a 5% discount.
To determine this, follow a few simple steps:
- Look at the table for the class under the MTPL policy, which is expiring and needs to be renewed. In this case it is equal to class 3.
- Then, in the upper section of the table, the number of accidents due to the fault of the insured is determined. According to the example given, the client drove the car without accidents.
- Down the column you should go down to the class that was in effect at the time of insurance and look at the new one. In our case, this is 4th grade.
- Look at the first column of the table, where you can see that grade 4 corresponds to a coefficient of 0.95. In simple words, for a year without accidents, the client received a bonus of 5%.
Calculation of KBM according to the table without accidents
Example No. 2
The client traveled for a year and, according to a previously issued form, he was in 11th grade. Over the entire period of insurance, the driver caused accidents three times. When issuing a motor vehicle license for a new term, the insurer uses a BMR of 1.55. It turns out that there can be no talk of any bonus. On the contrary, an increasing one is provided.
To calculate, follow a few simple steps:
- The table looks at the class that the driver had at the time of the previously purchased contract. In our case, this is 11th grade.
- Afterwards, the number of cases is determined from the upper table. This driver was responsible for the accident 3 times.
- Being on the column with the number of accidents, go down to the line with the current class and the new one looks. In our example, this is accident class 1.
- The first column of the table defines a new indicator, which is equal to 1 KBM. The client receives a raise of 1.55. It turns out that the insured traffic participant will overpay by 55% of the base cost of the contract for his accident.
Calculation of KBM according to the table for the culprit of an accident
( 48 votes, rating: 4.52 )
Examples of calculating KBM from the table
For accident-free driving during the year, the next year the cost of insurance is reduced by 5%, and the class moves to the next one. This happens annually until it reaches 50% (class 13) - less discounts are not established and this is a Bonus.
Expert opinion
Valery Volkov
Insurance expert
Buy eOSAGO through RSA
As can be seen from the table, if an accident was recorded (1 accident or more) with your participation and the company made a payment to the victim, then Malus comes into force, that is, an increase in the CBD rate and, naturally, an increase in the amount of annual insurance. Let's take a closer look at two examples.
No accidents or accidents
Let's assume that you drove the first year without an accident, come to your insurance company and your insurance policy will cost 5% less, i.e. a coefficient of 0.95 will be applied . The new class is already 4 . For the next year without accidents, there will still be a decrease of 5% (total 10%) and, accordingly, the BMR is equal to 0.90 . Class 4+1. And so on we look down at the columns and rows of the Table;
After an accident
We need to consider this option to know why the cost of insurance is increasing. Malus (M increase in KBM) depends on the number of recorded accidents per year, the more incidents, the longer the period in years when the price of your Policy will be the highest and unchanged. As can be seen from the Table, if during the first year of insurance you had 3 traffic accidents with your participation, the class is downgraded to M. The coefficient value increases to 2.45. And next year you will move to the very top of the Table, from where the next calculations will come.
The main reasons for incorrect calculation of KBM
The BMR is calculated by the insurance company, and there may be several reasons for its incorrect calculation. The so-called “human factor” plays a role. But often the driver himself assumes a lower BMV, when in reality it is much higher. For example, he forgets about insurance payments for an accident with his participation or does not insure the car for a year.
What reasons could there actually be for incorrect calculation of the KBM:
- The insurance company lost data. This often happens when moving from one company to another.
- Incorrect information entered into the insurance company.
- Replacement of driver's license.
- Last name change.
- Failed data transfer to the AIS RSA system.
- Purchasing a fake MTPL policy.
In all these cases, you can contact the insurance company. The driver has the right to contact his insurance company online or by leaving a statement in person at the office. If for any reason the driver is refused to identify the reasons, the client has the right to contact the official website of the Central Bank. By clicking on the “MTPL policies” tab, you can see the “submit a complaint” column. But the Central Bank accepts for consideration only those policies that expired no more than a year ago. You can also contact RSA if the insurance company has left the market.
Restoration of KBM
To check the current value of the coefficient, drivers can use the Automated Information System (AIS) database on the website of the Russian Union of Auto Insurers (RUA) or a form on our website. The database is freely accessible and is intended only for Russian citizens and residents of the Russian Federation. If you do not agree with the data presented in the database, submit an application to the insurer to restore the KBM. It didn’t help, then file a complaint with the RCA. Just first check carefully whether all the parameters were specified correctly and that nothing was distorted in the request. Our auto lawyer is always ready to help you.
As you can see, from the above, the procedure for calculating and accounting for CBM values has now been established. You can quickly verify that the value is reflected correctly or make changes. The main thing is not to violate traffic rules and do not forget to take out insurance in a timely manner and thereby save your money on fines and an annual reduction in the amount of car insurance.
How to determine the Bonus-Malus ratio
A driver who purchases an MTPL contract for the first time receives a CBM indicator equal to 1. For driving without accidents, the price of purchasing insurance is reduced by 5%, and the car class is transferred to the next class.
To receive the maximum discount, the driver must for 10 years without an accident.
No accidents or accidents
For each subsequent year during which there were no accidents, the coefficient decreases by 0.05. A car owner can receive a minimum BMR of 0.5, and for this he will be given a 50% discount.
After an accident
After an accident in which the owner of the car is at fault, purchasing the next insurance will be more expensive. After each accident, the future cost of obtaining an insurance policy increases by 5%. The maximum value of the increased coefficient is 2.45.
Why know the class
Driver class is a kind of unique characteristic of an individual operating vehicles owned by him. First of all, a class is needed for compulsory motor liability insurance, due to the fact that it has an impact on the final cost of the policy. The higher the parameter, the greater the discount provided to the citizen.
The following aspects can be determined by class:
- Number of requests for compensation within a year in connection with participation in an accident;
- Percentage of accidents in which a person was found at fault;
- Experience and, to some extent, age of the car owner.
All insurance companies value drivers who drive carefully and carefully, as they generate profits, not losses. In this regard, loyalty programs are built specifically in relation to such customers. Note that the driver’s insurance class is a publicly available indicator, that is, any insurer can obtain information about it. If a person decides to change companies, he will not need to re-create a positive history.
Clarifying why you need to know the driver’s class, we note that such information will allow you to determine in advance how much money will be required for compulsory car insurance before taking out a policy. This indicator will determine the size of the bonus malus reduction factor.
The more years a car owner drives without accidents, or more precisely, without contacting the insurer for payments under the policy, the higher his class will be, the lower the CBM and the lower the cost of insurance.
What is driver class
The class of a driver under compulsory motor liability insurance is understood as the degree of his accuracy behind the wheel, which is determined by the number of applications to the insurance service in order to receive compensation. If a car owner applies for insurance for the first time, he is assigned a coefficient equal to one, that is, all indicators are taken into account when determining the price, except for driving history.
With each accident-free billing period, the class increases, which affects the cost of compulsory motor liability insurance. The maximum discount that a citizen receives is 50% of the standard price . If a person gets into an accident and goes to the company for compensation, then his class is reduced. Note that the decrease occurs faster than the increase. Drivers with the lowest rates pay over 145% of the policy cost.
OSAGO driver classes are recorded in the general register. If one company had several requests for compensation, then when you visit another company you will not get a low price.
