The price of CTP policy depends not only on powervehicle, driving experience, age and place of residence of the driver, but also on how carefully he behaves on the road. Car owners who do not get into accidents (at least through their own fault) can count on a CTP discount up to 50%. But those who are often to blame for the accident, will pay for insurance 2.5 times more. How much will be a discount or surcharge depends on the coefficient of bonus-malus (KBM). So, what are the rules for calculating MSC?

Discount or fine?
KBM otherwise called discount for trouble-freedriving. If the driver over the past year has never been the cause of an accident, it means that the insurance company did not have to spend money on compensation. For this, the client can be encouraged and for the next year to sell him insurance at a discount - to provide a bonus.
If the driver got into an accident, then the insurerhad to fork out for payments. And in order to compensate for their costs and at the same time stimulate a pseudo-driver to be more attentive on the road, the insurance company, by extending the policy, will raise the price of OSAGO - will provide malus.
What accidents are counted?
To begin with, we note that not every accident affectson the calculation of KBM. CTP is liability insurance, not property. Therefore, the calculation takes into account only those accidents in which the insurer had to make an insurance payment for his client.
If the driver in the accident is not to blame, or the incident was not registered in the traffic police, or the issue was settled on the europrotocol, then it does not threaten the car owner with an increase in the value of the CTP.

Bonus malus coefficient table
To determine the coefficient, the following calculation table is used here.
Allowances and discounts | Bonus-malus coefficient | Source class | New class | ||||
0 fear. payments | 1 fear. pay | 2 fear. payments | 3 fear. payments | 4 or more fear. Payments | |||
145% | 2,45 | M | 0 | M | M | M | M |
130% | 2,3 | 0 | 1 | M | M | M | M |
55% | 1,55 | 1st | 2 | M | M | M | M |
40% | 1,4 | 2 nd | 3 | 1 | M | M | M |
100% | 1 | 3rd | 4 | 1 | M | M | M |
-5% | 0,95 | 4th | 5 | 2 | 1 | M | M |
-10% | 0,9 | 5th | 6 | 3 | 1 | M | M |
-15% | 0,85 | 6th | 7 | 4 | 2 | M | M |
-20% | 0,8 | 7th | 8 | 4 | 2 | M | M |
-25% | 0,75 | 8th | 9 | 5 | 2 | M | M |
-thirty% | 0,7 | 9th | 10 | 5 | 2 | 1 | M |
-35% | 0,65 | 10th | 11 | 6 | 3 | 1 | M |
-40% | 0,6 | 11th | 12 | 6 | 3 | 1 | M |
-45% | 0,55 | 12th | 13 | 6 | 3 | 1 | M |
The first two columns indicate the class at the beginning of the insurance and the corresponding coefficient. The remaining columns of the table allow you to determine how the class and the MSC will change in the presence or absence of accidents.
Названия столбцов показывают количество случаев в previous period when 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 had 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.
Calculation of KBM is made according to the following principle.The unit is subtracted from the coefficient value, and the result is multiplied by 100%. When a person first acquires a CTP, the automatic gets 3rd class from KBM 1. Such a driver pays 100% of the cost of insurance - without any discounts or surcharges.
If KBM is determined at the level of 0.9, then it turns out: (0.9 - 1) * 100% = -10%. Hence, 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 is increased by 145%, that is, the car owner pays for insurance 2.45 times more. Such is the punishment for creating an emergency on the road.

How to determine the ratio of the table?
Before calculating an KBM, or rather, discounts or surcharges in accordance with the insurance history, it is necessary to determine the class of the driver in order to know what coefficient to apply.
Suppose a car owner recently got a licenseI bought a car and came to arrange CTP. He is assigned a standard 3rd class. A year has passed, and he came to renew the insurance. The employee looks at the insurance history and finds out that in the past year the accident had passed the client.
The table shows that in the absence of an accidentafter the expiration of the annual insurance period, the driver moves to the 4th class, and his coefficient decreases from 1 to 0.95. When extending the contract, the car owner can pay for insurance with a 5% discount. The next time when a CTP is issued, the insurer will already be guided by the line of the table corresponding to the 4th grade.
If it turns out that during this time occurredIf one accident is caused by the driver, then his class will change from the 3rd to the 1st, and the KBM will increase from 1 to 1.55. For insurance for the new year will have to pay 55% more. Further, the calculation of KBM will be made on the basis of the line corresponding to the 2nd class. Only two years later, a person will be able to return to 3rd class and start earning a discount.
If the driver falls into class M, it will take him as much as five years to reach the standard 3rd class again.
If several people are written into the policy, then the discount or surcharge is determined by the worst of the coefficients.

How to find out your ratio?
Extremely rarely, KBM is indicated in the insurance policy.Therefore, in order to determine your class by CTP and, accordingly, the size of the discount or surcharge, you will have to contact the insurer, calculate MSC independently using a table or use the PCA database.
When requesting driving class insurance companymust, within five days, provide a certificate in form No. 4 with an indication of all necessary information. This document is useful if the car owner plans to change the insurer.
On the PCA website, to find out the coefficient you needgo to the “OSAGO” section and click on the “Information for policyholders and victims” tab. Among other information services you will find the definition of the coefficient. To obtain information, simply enter the full name and driver's license number in the opened form.
So we learned what CME is, why it is needed, and how to calculate it.