Classes of compulsory motor TPL insurance and their definition

The cost of OSAGO policies is regulatedThe central bank, but it is not the same for all drivers. There are so-called classes of OSAGO, which are assigned to car owners on the basis of several factors. The article details what the insurance class of OSAGO is: how to determine this indicator and what it affects.

No-break discount

When the policy is renewed, the insurerswhether the accident for the past period. This is not done out of idle interest. If a person carefully drives a car and does not get into traffic accidents, he is entitled to a discount on auto insurance services of up to 50%. That is, the cost of the policy is adjusted to a coefficient called bonus-malus (KBM).

Why is the insurance company willing to pay extra forneat driving? It is profitable for her. Let it lose some of the profits by making a discount, these expenses are less than if it had to pay compensation in the event of an accident. Therefore, car owners are encouraged to increase their driving skills, giving a discount of 5% for each year of driving "without adventure." This is a bonus. But for inaccurate driving, leading to problems on the road and the costs of insurance compensation, penalties are paid-malus.

Previously, this magic ratio was tied tospecific car, which was very inconvenient. After all, when selling a car, the car owner lost all bonuses. Therefore, since 2008, insurance history is associated with a person, not a vehicle.

No accident, but not quite

OSAGO involves liability insurance, andnot property. Put simply, those cases in which the insured is not responsible for what happened do not affect the cost of the policy. Only those accidents are taken into account, under which there was an insurance payment (if the owner of the policy became the culprit of the accident). Other accidents, which, for example, were registered according to the Euro-protocol or were not fixed in the traffic police, do not play a role.

If the car owner is not to blame for the accident, then his discounts will not go anywhere. As well as in the case if it is to blame, but "no one saw anything," and the participants agreed without notifying the traffic police.

Class of OSAGO

Finally, we got to the very notion of "OSAGO classes". This term is closely related to the bonus-malus ratio, which we considered above.

Разработана специальная табличка, Regulating, what exactly value of the coefficient is assigned under certain conditions. As can be seen from the first two columns, a certain class corresponds to KBM.

The discount is calculated by subtracting from the unit factor and multiplying the result by 100%. For example, if the MBM is 0.85, the discount will be:

(1 - 0.85) x 100% = -15%.

The insurance class of OSAGO depends not only on how often the car owner gets into an accident, but also on his driving experience.

What determines the class of OSAGO

The client who first applied for the policy receives a standard 3rd class with a value of 1. After that, his insurance history is written.

Every year that has passed without an accident will reducecoefficient. That is, with the extension of the policy, the 3rd class will change to the 4th with a bonus-malus of 0.95 and a discount of 5%. If the accident was, then the class, on the contrary, decreases, and the price of the policy increases.

How to find out your class of OSAGO

Now that we have figured out the terms, it's time to find out how to recognize the class of the OSAGO driver. In fact, to calculate discounts when issuing a policy requires an insurance history of the car owner. Where is it stored?

If the car owner used the services of one andthe same insurer, it is enough to apply to your company. The employee will need only a few seconds to check the class of OSAGO on the internal base and determine the cost of extending the policy.

If the driver decided to change the insurer, heit will be necessary to ask the previous "guardian" for a certificate on Form No. 4, which contains information on the emergency history. The document is provided for five days.

However, this reference is not always necessary.Most insurance companies use the SAR database in their work and even provide their clients with the opportunity to calculate the cost of the policy on their own basis based on this data. Rarely, but it happens that the class is indicated in the policy.

Sometimes new companies default a unit to the newcomer. Do not let it go on the brakes, because then the insurance history will be lost.

We learn our class independently

Determine the class of OSAGO can be independently, without resorting to the insurer. To do this, it is sufficient to use the above plate.

With the first two columns we have already figured out:these are classes and MSC. The remaining five columns indicate the number of insurance cases for the past year. 0 is the absence of an accident. Accordingly, 4+ indicates the presence of four or more accidents.

The values ​​in the columns are also classes.For example, a novice driver who received the third class and KMB 1 during the first policy, traveled a year without accidents. In the line with the 3rd class, we see that with a zero number of accidents, the 4th class is assigned. If there was one accident, then the 1st. Class 1 corresponds to a coefficient of 1.55. We consider:

(1.55 - 1) x 100% = 55%.

Therefore, the driver will pay for the extensionThe policy is 55% larger. But this is not the most terrible situation. Now if two or more accidents occur, the class M will be assigned, and to get out of it and return to the unit, it will take five years.

Each time when determining the price, the insurance agent is guided by that line of the table that corresponds to the current driver class.

But you can do without calculations by visiting the site of the SAR and instantly recognizing your MSC by entering in the special form the name and number of the driver's license.

If there are several drivers

What if there are several car owners on the policy who have a different class of OSAGO insurance? How to determine the price of the policy in this case?

In this scenario, the calculation of the cost isby maximum coefficients. For example, three drivers are introduced in the OSAGO: the first MSC is 0.6, the second has 0.7, and the third has 0.9. This means that a coefficient of 0.9 will be taken for the policy, and the discount will be 10%.

If there are no restrictions on the number of drivers, then the bonus-malus depends on whether insurance payments were made for the previous contract period.

About dishonest insurers and technical errors

A reasonable question arises:Why does the car owner even need information on how to find out the class of the OSAGO driver, if all the data have long been included in the general database, and in the insurance companies are specially trained people who can calculate the price of the policy?

The problem is that not always these employees have a clear conscience. And they can use the ignorance of the client to offer him a standard tariff, thereby forcing him to overpay.

Even if the insurer does not intentionally change the customer’s class, this may occur as a result of a technical failure or erroneous data entry.

If the MTPL class in the policy for some reason changes, a new insurance story will begin - from the first class. And the driver's reputation will be reformed.

That is why it is not recommended to purchasefake policies for the sake of economy. After all, when the car owner extends the CTP, the driver's class is determined based on the history of his driving, and the price is calculated on the basis of these data. If there is no such story, all discounts will be burned.

How to save on OSAGO

The price of the policy is influenced not only by classes of CTP, butand other factors. For example, territorial coefficients vary depending on the locality. Some tricky drivers make out their cars to a relative living in an area where the territorial coefficient is lower, and they themselves drive under a general power of attorney.

It also matters who else is inscribed in the policy.besides the owner of the car. Insurance without limitation of persons who can manage transport, is much more expensive. Yes, and making a policy of people who do not drive very well, or just have a small driving experience so far, is fraught with unnecessary costs.

Finally, if the car owner drives a car not all the time, and, for example, only in the warm season, then it makes no sense for him to overpay for the entire year. It is enough to purchase a policy for several months.

Now we know what OSAGO classes are, what they are for, and how to define them.