How to recover a discount on MTPL: step by step instruction

Currently on the roads of our countrythere is a huge number of accidents involving vehicles. In order to somehow protect themselves during an accident, the driver must arrange an insurance policy.

Every year more and more motorists are askedthe question of how to restore a discount on OSAGO. This is due to the fact that the extension of the car insurance policy is calculated without discount. This is a rather unpleasant situation, especially if the driver has a large continuous accident-free experience and a discount of 50 percent.

Burning accumulated bonuses may seem like a desperate situation, however, there are several ways in which you can restore MPS (bonus-malus ratio). This article and many other things will tell this article.

Why can the MSC be calculated incorrectly?

Before you talk about how to restorea discount on OSAGO (Rosgosstrakh offers it to its customers), first it is necessary to understand the main reasons, because of which the insurance coefficient can be incorrectly calculated. This will greatly simplify the process of rebuilding discounts and will save a lot of time.

All information about insurance experience and previouspolicies is stored in a single electronic database of AIS, which is under the jurisdiction of the RSA. When making changes to the database and updating the data about a particular driver, various mistakes may be made which will cause an improperly calculated car insurance discount.

In addition, there are a number of other reasons for reducing MSC, among which the most common are:

1. Replacement of driver's license or data on an individual.
2. The insurer did not pass information about the driver to the SAR.
3. Errors made by the insurance agent when filling in the policy.
4. Change of insurance program.
5. Interruption of accident-free service.
6. Permission to drive the car to several drivers.

Regardless of the cause of burning insurance points,each driver can return an overpayment for OSAGO and restore the discount in one of several ways, which will be discussed a little further, but for now, each reason should be considered in more detail.

Replacement of driver's license or personal data

One of the frequently asked questions for manydrivers is: "How to recover a discount on OSAGO after replacing the rights?" And this is not surprising, because every motorist at least once in his life changed his driving license. Each document is assigned an individual number, which must be entered into a single electronic database. If you do not do this, the insurance history is reset to zero, and you will not get any discount when processing the policy. The same applies to the change of name.

The insurer did not provide the SAR with the necessary information about the client

Employees of insurance companies are the same people,as we are with you, therefore, because of their negligence, inattention or other human factors, they can not transfer data to the AIS about the insured. A similar situation may arise when the insurance company is liquidated. About how to restore a discount for OSAGO (Rosgosstrakh offers its customers this opportunity), will be told a little later.

Incorrectly filled insurance policy

Even the slightest error in fillinginsurance contract may result in the return of the MSC to the base value. This is due to the fact that if incorrect data is included in the policy, they will fall into the AIS, as a result of which the driver will be perceived as a completely different person.

Admission to driving several people

This situation concerns mainlycorporate transport, which is used by several employees of the company. In this case, when registering the MTPL policy, the smallest size of the MSC will be taken into account.

Change of insurance program or interruption of accident-free service

If the driver is for one full yeardid not get into traffic accidents, he is credited with insurance points that give a discount when extending the policy. If the insurance program was changed or the driver did not drive more than one year, then all accumulated balls are burned and the MBM is reset. How to restore discounts for MTPL insurance in this case? Unfortunately, in any way.

Is it worth to restore insurance points?

The size of the discount depends on many factors,among which the main are the accident-free driving period and the number of accidents involving the driver. If the owner of the car regularly gets into an accident, then when registering an insurance policy, he is charged a coefficient of 2.45. From this it follows that to pay for insurance of your vehicle it will have almost 2.5 times more than the average driver.

If the motorist complies with the speed limit andSDA, as well as does not fall into an accident, then in time he can accumulate insurance points, which will allow you to get a practically 50 percent discount on insurance services.

Thus, the question of how to restorea discount on compulsory motor TPL insurance in Rosgosstrakh is very relevant nowadays, since KBM allows you to save significantly on an auto citizen. In addition, if the insurer incorrectly calculated the coefficient for the previous policies, then when the points are restored, the driver will receive compensation.

Basic methods for recovering MSC

So, you turned to an insurance company forextension of the policy and found that it has risen in price. What to do in this case, and how to restore a discount on OSAGO? VSK offers its clients help, other insurance companies too. The first step should be to calm down, because there is nothing terrible in this.

You can redeem the previous discount by:

• submitting an application to the UK;
• appeals to the Central Bank of the Russian Federation;
• drawing up a complaint in the RSA.

Each of the ways has certain nuances, so you need to elaborate on each of them.

Solving the problem through the insurer

Many drivers are interested in the question:"How to recover a discount on OSAGO after replacing the rights?" The simplest and fastest way is to contact your insurer. The current legislation obliges insurance companies to consider all complaints and appeals of customers related to MTPL.

In this connection, on the sites of the majority of the UK, eventhere is a special section in which you can file a complaint online. To the form it is required to attach scanned copies of the previous policy or a certificate proving the absence of insured events from the client, issued by the insurer. If you do not have access to the Internet, you can write the application in writing and send it by registered mail to the physical address of the company. The application must be submitted in duplicate, and photocopies of the above documents shall be attached to it.

The secretary will have to register the appealin a special magazine, and on one of the applications to put the registration number and seal, and then send it to the client by mail. According to the legislation of the Russian Federation, the insurance company has 10 days, during which it must determine the combustion problem of MSC and solve this problem. And how to restore a discount on OSAGO, if a year has passed, you ask? Unfortunately, this case does not provide for the possibility of restoring the MSC.

What if the insurance company was liquidated?

If the insurer from whom you made outinsurance policy, no longer carries out its activities, it is possible to restore the MSC through the Central Bank of the Russian Federation or the SAR. You will learn more about the procedure for applying and submitting documents to these instances.

Applying to the Central Bank

How to recover a MTPL insurance premium throughCentral Bank of the Russian Federation? It is very simple, however, it is necessary to take into account the fact that this instance considers only those appeals of citizens who are lodged in compulsory motor TPL insurance, which ended their action no more than one year ago.

To restore the MBA, you need to go tothe Internet reception of the Central Bank and fill out the online form, making all the necessary information and specifying the "Wrong calculation of the MSC" as the reason. It will also be necessary to attach to the form a scanned copy of the previous policy or a certificate confirming the absence of insurance payments. This method is very convenient, since the driver will be notified of the status of his application for e-mail. The time for the adoption of the decision by the Central Bank may take up to 30 days, during which representatives of the agency will check the relevance of the information provided by the driver, determine the cause of the problem and make a final decision.

Now you know how to restore the discountfor OSAGO. Alfa Insurance and the Central Bank of the Russian Federation help to solve this problem on the same principle. If, for some reason, the appeal to these instances does not bring any results, then you should file a complaint with the SAR, which is the most powerful tool for solving this problem.

Contacting the SAR

SAR is one of the most influentialorganizations in the world of automobile insurance. It can not only exert significant pressure on the UK, but also deprive them of the license, which every insurer fears. Therefore, when mentioning only the name of this instance, any insurer will strive to solve the client's problem with all his might. It is worth noting that SAR has no right to make any changes to a single electronic database, as this is the responsibility of insurance companies.

So, how to restore discounts on OSAGO in the SAR?On the official Internet resource of this instance, detailed instructions are given on the procedure for restoring the discount for the MTPL policy. In the same place, you can find the application form and contacts for consultation.

Recovery of MSC through an insurance broker

Этот способ восстановления страховых баллов is not the most successful, but you can not completely exclude it. Motorists prefer to avoid these companies, as they charge a commission for rendering their services. Nevertheless, they work very quickly and will be able to help you to restore the discount on MTPL for 1 day. The exception will be only the case, if previously you were involved in a traffic accident, the culprit of which were you yourself.

The appeal to insurance brokers will be justified,if you do not have time to independently repair the MSC for an autocitizen, and the accumulated points provide a really big discount. Otherwise, you will pay much more for the services of the company than you will save on insurance.

Restoration of MSC via the Internet

Nowadays it is possible to solve various questions through the Internet, so many motorists are interested in the question of how to restore a discount on OSAGO without leaving your own home.

In the World Wide Web, you can find manyonline services, among which there are both paid and free, allowing very quickly and simply to restore the MSC. All that is required of you is to fill in a special form and attach scanned copies of the necessary documents to it. However, you should carefully consider the choice, since in recent years many cybercriminals have divorced.

What documents may be needed to restore the MSC?

Чтобы восстановить свою законную скидку на the insurance, deserved for long years of accident-free driving, it is necessary to present the certain documents. The most important of these are last year's insurance policies. If for any reason you can not find them, then in this case you will need to contact the insurer and ask him to provide a certificate proving the absence of insurance cases.

In some cases, the insurer may requestyou a certificate from the traffic police about the absence of violations, so that the process of recovery was as soon as possible, it is worth getting it in advance. However, there is one small nuance here. The thing is that the traffic police is not obliged to provide such certificates, so everything depends on the loyalty of the defender of law and order.

It is not superfluous to make screenshots from the site of the SAR, andalso a photocopy of the technical passport for the vehicle, a driver's license and a certificate of inspection. Presence of copies of all these documents can significantly speed up and simplify the process of consideration of the application.

Conclusion

So, now you know how to recoverdiscount on OSAGO. This article has reviewed all methods of solving problems with automobile insurance that exist today. As practice shows, in most cases, everything ends on contacting the insurance company. Indeed, despite the fact that insurers are very reluctant to accept applications from their clients, however, no one wants to pay a large fine or lose a license. However, if, for whatever reason, the SC could not solve the problem of incorrectly calculating the coefficient, then you can always contact the higher authorities.