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Changing the KBM when changing your driver's license. How to correct KBM OSAGO in the AIS RSA database and restore the discount Changes in the OSAGO policy correction KBM

Dear clients and partners, our KBM restoration service operates 24 hours a day, 7 days a week in two modes:

1. For retail clients, a convenient online application form for the restoration of the KBM and online payment in a convenient way without commissions. Only paid applications will be accepted. If you have any difficulties with payment or any other questions, write to the head of the KBM service or use the KBM restoration application form with the help of our employee. For each paid application, within 1-5 business days you will receive an answer to your e-mail about the results of the correction. If the KBM according to your application cannot be changed, the money is returned automatically within 3 days to the card from which the payment was made.

The retail price of applications for the restoration of KBM in the RSA database is 150 rubles, however, we are always ready to provide discount codes for auto and motorcycle clubs, various online communities, and forums. Also any of our retail customers who previously placed an order for KBM or OSAGO, can get discount codes. To receive discount codes, write to the head of the service or e-mail retail@site

2. For registered partners ( our employees and wholesale customers of electronic MTPL policies) in a special interface Workplace, available after logging in to the site. Registration of partners is carried out by the head of the KBM service at a special price.

The workplace provides the following opportunities:

Post-paid processing of applications for restoration of KBM, settlements on Fridays.

It is possible to set up the work of subordinate employees and agents in prepayment mode.

A convenient order log where you can view the history of your orders, set filters by periods, subordinate employees, and execution statuses.

Formation of your own structure of subordinate employees and agents at an arbitrary price and payment frequency (at your discretion).

Settlements with the partner are carried out for the entire number of requests from his network, multiplied by the partner price; the partner makes mutual settlements with his subordinates independently.

Make payments to subordinate employees and agents, edit the employee card and send them a message that will be shown in the application log.

Basic provisions and rules of operation of the KBM restoration service:

1. Applications accepted for processing cannot be canceled or changed. Please check your details carefully before submitting. If the KBM was changed according to your erroneous data, this application is considered completed.

2. Each application in the process of completing execution takes one of two statuses: “refused” or “completed”. For partner access, only completed applications are taken into account for debt calculation; for retail clients, money is automatically returned for “refusal” statuses.

3. The processing time for applications for correction of the KBM in accordance with the RSA regulations is 1-5 business days. Processing takes place in 2 stages. At first, applications are automatically processed; if successful, you will receive a response within 1 day after being hired. Otherwise, the application is subject to manual review and its processing takes up to 5 working days. According to our service statistics, most are processed within 1 day.

4. For completed applications, the date of the new CBM value in most cases is equal to the expiration date of the current MTPL policy. But it can also be set on the day of execution. This does not depend on the KBM service, and is determined by the RSA regulations. Use the form to check the current value of the BMR for the desired date.

5. The head of the service does not comment on the results of fulfilling requests regarding the questions: “why was the refusal?”, “from what date was the new KBM installed?”, “why was it reduced by so much and not so much?” etc.

6. Changing the KBM occurs exclusively within the framework of the legislation and regulations of the RSA, raising the entire history of the driver or owner.

How is KBM calculated?

KBM - discount for accident-free driving is calculated according to the table:

Initially, all drivers have class 3 KBM, i.e. coefficient 1 (no discount). For each accident-free year, the discount increases by 5%, or 0.05. Each accident accordingly reduces the class of the vehicle and increases the coefficient. If the driver has had a pass on MTPL insurance for more than a year, then his class becomes 3 (the entire accumulated discount is lost). When using unlimited MTPL, the KBM changes only for the owner of the car; with limited insurance, the KBM discount is accumulated for all registered drivers.

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Over time, motorists have become accustomed to such a phenomenon in their lives as compulsory motor liability insurance. have firmly taken their place and annual visits to insurers have become commonplace. But the cost of the policy is floating.

Plays one of the main roles in pricing. Unfortunately, for various reasons, this coefficient can sometimes be calculated incorrectly. As a result, you may end up paying significant amounts of money for your insurance.

This interesting bonus-malus coefficient serves as a kind of measure of the driver’s discipline and decency. The coefficient directly reflects the number of years during which the driver avoided getting into various types of accidents. For every year of accident-free driving and the absence of direct appeals to the insurer, the KBM decreases by as much as 5%. For the driver, this figure means a 5% discount on the cost of the next MTPL policy.

Every year without being involved in a traffic accident, a fixed discount of 5% is given, but it has a maximum value. Currently the maximum discount is 50%. Information about all drivers is stored centrally. For this purpose, the universal base of the Russian Union of Auto Insurers is used. However, each insurer enters information into the announced database independently.

To be aware of the level of your bonus-malus coefficient at the current moment, there are two ways. You can use these methods yourself. The first method is based on a standardized table from which the value of the coefficient can be determined. The table contains all existing classes, all possible values ​​of the BMI and transitions from one class to another depending on the number of insured events during the reporting period. The reporting period is usually equal to one calendar year.

The second method involves sending a standard form request to the database of the Russian Union of Auto Insurers. You can fill out the form on the website of this organization. The request itself is also sent there. After this, you will receive a response indicating the current value of the bonus-malus coefficient.

For what reasons may a return of KBM be possible?

So, all the reasons why a change in the value of the BMR may occur and, accordingly, the occurrence of an overpayment, can be summarized in the following list:

  • The leader in the ranking of causes is road traffic accidents caused by the fault of the insured person - only this reason immediately leads to an increase in the BMI;
  • intentional actions of unscrupulous insurers;
  • incorrect entry of information into the database, a banal human error;
  • the driver changes his insurer, while the previous insurer maliciously entered incorrect information in the automatic information system;
  • the insurer regularly issues new MTPL policies with a bonus-malus coefficient equal to one, although there is no reason for this;
  • loss of a license to operate as an insurer that occurred during the validity of your current MTPL policy;
  • replacement of a driver's license during the period of validity of the insurance policy;
  • changing the driver’s personal data;
  • technical failure in the operation of the unified RSA database;
  • using a fake MTPL policy, in which case no information is displayed in the database;

This is a list of the most relevant and common reasons for changes in the BMR. Other unforeseen situations may arise in life. But they are much less common than those mentioned above.

Where to go to return KBM

If you are sure that when you took out a new insurance, the incorrect bonus-malus coefficient was applied to the formation of its price, then you should take the appropriate steps. There are three organizations that you can contact on this issue with the appropriate package of documents. The first of these is the insurance company itself, which made a mistake when calculating the BMR. Or the data this company constantly entered into the database was incorrect.

The second organization is RSA. It is under the jurisdiction of this organization that there is a universal database of information on all insurance policies issued for all time. And the third organization is the Central Bank of the Russian Federation. This is the supervisory and regulatory body of the insurance market. are also established by the Central Bank of the Russian Federation. Moreover, the Central Bank issues and revokes licenses of insurers. For a higher probability of a positive resolution of the issue, it is recommended to send appeals to all three organizations at once. Then your request will definitely be heard and considered.

You can send your request directly in 3 valid ways:

  • via the Internet by going to the appropriate section and filling out all the necessary data to formulate a request;
  • bring the request to the organization in person, and you must remember to mark the fact that the documents have been accepted for consideration;
  • send all documents by registered mail, with the obligatory condition being sending a notification of delivery.

Deadlines for decision-making by relevant organizations

In accordance with current legislation, any organization that receives a request from a citizen must respond to the request in writing within 30 days. The answer must be clear and detailed, without vague formulations, and contain information about the decision made. If a violation actually took place, then the insurer must return to the citizen the excess amount he paid for the MTPL insurance policy.

In the worst case scenario, when none of the organizations was able to restore the correct and current value of the bonus-malus coefficient, only the last option remains. But you should resort to it only if you are absolutely sure that you are right. Then you need to contact the prosecutor's office of the Russian Federation or the court directly.

KBM return procedure

It is also worth briefly talking about the procedure for returning KBM to any insurance company in our country. The primary basis of all actions and processes is the car owner’s contact with his insurer. The purpose of such an appeal will be an attempt to find out the true reasons for the upward change in the BSC. After all, it is precisely this change that leads to the loss of a well-deserved discount for the driver. The application must initially include a package of all necessary documents.

If the request is made through the appropriate form on the company’s corporate website, then the following information must be provided:

  • all key information related to compulsory motor liability insurance for which the KBM was incorrectly calculated;
  • all personal data;
  • all technical information about the vehicle for which insurance was issued;

When contacting the insurer's office in person, all this information will also be useful. In addition, you will need to write a free-form application. The application will only need to reflect the essence of your request.. It will consist in the fact that the price of compulsory motor liability insurance was calculated incorrectly, which resulted in the application of the incorrect value of the KBM. All these words are supported by the presentation of the correct KBM in your opinion and the corresponding justification for the calculation.

Actions in case of termination of work of the insurance company

Unforeseen situations periodically occur in the insurance market, as a result of which some insurance companies may cease to operate or lose their license to carry out insurance activities. In connection with these unpleasant events, situations may arise when a company that has ceased operations did not have time, was unable or did not want to enter all the necessary information into the unified database of the Russian Union of Auto Insurers.


The situation is not standard, but not critical either. If such a case occurs, the car owner should contact RSA. The application is made using a completed application form of the established form. The form indicates: the reason for the application, the driver’s personal data, key information about the current MTPL insurance policy and the previous MTPL policy. RSA staff will need to take into account all your key information. When applying for a new MTPL policy, your new insurance company will need to take into account all new information from RSA.

All necessary documents for returning KBM

Any request for the return of KBM under MTPL policies must be supported by a package of relevant documents. Their list does not look super long and in most cases collecting the required documents will not take very much time. So, you will need to prepare the following documents in advance:

  • original passport and its copy of the owner of the insured vehicle;
  • original and copy of the applicant's driver's license;
  • a statement addressed to the organization, written in free form;
  • if possible, then all MTPL policies that were issued in previous years.

In connection with the last point in the list of documents It is strongly recommended not to throw away MTPL policies that have already expired. They may come in handy if you return the KBM. If the originals have not been preserved, you can order copies of previously concluded insurance contracts from insurance companies. Such an order can be made through a special form, which is available on the websites of insurance organizations.

As practice shows, it takes approximately 5 days to create a copy of the contract. This service itself is free for the applying citizen. If you plan to contact several organizations, then you should worry about preparing a sufficient number of copies of the necessary documents in advance. All together, this will shorten the entire procedure for returning KBM under compulsory motor liability insurance.

What steps should I take to get my money back?

Nothing will happen by magic. To get a refund of overpaid money, you will have to make some efforts. One of the action points is to identify the potential culprit of the error that led to the incorrect calculation of the KBM. The basis of your claims will be a written statement. There are no specific requirements for its execution, so the request is formulated in more or less free form.

The main thing is to outline the essence of the claim, i.e. refund, and indicate the current details by which the transfer should be made. Everything should be provided with your own signature, indicate the current date, last name, first name, patronymic. It is enough to follow the standard points for the application; a sample can be easily found on the Internet.

Look at the video on how to return money for KBM under OSAGO

What other documents need to be prepared?

It is better to send the application itself in the form of a registered letter. In this case, you will be able to track the date of receipt of the letter by the addressee using the track code. In addition to the letter, you will first need to prepare a package of documents. These documents include your passport and driver's license. It is also necessary to have in hand insurance policies that have accumulated during your driving experience.

Important: Make copies of all the above documents in advance.

Alas, the practice of interaction with various authorities shows that the originals of the same insurance policy can “suddenly get lost” within the walls of insurance institutions. As a rule, these establishments are not very willing to take the client’s side, so it is better to play it safe. A reasonable question should arise here: where exactly should I apply for this application?

Where to contact for a refund

So, you have the necessary documents in your hands. What to do next? There are exactly three options for action in the initial situation. Firstly, you can contact a specific insurance company, due to which an error occurred in calculating the bonus-malus coefficient. Yes, they are reluctant to consider applications of this kind. After all, few people can, in all honesty, admit a mistake on their part.

Reference: you need to understand the motive of insurance companies: consciously or not, they all want to provide themselves with profit and their employees with decent wages.

However, this is not at all a reason for not complying with Russian legislation. They must accept the application for a refund for consideration and carry out the appropriate verification procedures. But not every company promptly responds to such requests. Then you need to take other actions.

Secondly, you can contact the Russian Union of Auto Insurers directly. They represent the interests of the entire insurance market and have significant influence in controversial situations. But do not forget one important thing: employees of the Russian Union cannot make changes to the single base on the basis of which the bonus-malus coefficient is calculated. This data is entered by employees of insurance companies, which, in part, is one of the main reasons for the incorrect calculation of amounts for compulsory motor liability insurance.

Who else can influence the insurance company

If appeals to the two above authorities did not give a positive result, then you need to contact the insurance market regulator. Currently it is the Central Bank of the Russian Federation. It is he who can pay close attention to the activities of a particular insurance company. An audit may be ordered or a report on the company's activities may be requested. The regulator has enough pressure levers of its own.

Download an example application to the Central Bank of the Russian Federation:

A request for a refund can be sent in any of three ways:

  • through a special form on the Internet;
  • during a personal visit to the company with a mandatory note on acceptance of documents;
  • by registered letter.

Next, there will be a period of waiting for a response. By law, any organization has 30 calendar days to process an appeal. During this time, a detailed response must be provided to the applicant. In practice, there are cases when none of the organizations discussed were able to restore the current value of the bonus-malus coefficient. In this case, the only option left is to appeal to the Prosecutor's Office of the Russian Federation and the court.

Brief summary

It is difficult to predict the development of events in our lives. If you are faced with an incorrect calculation of the KBM, then you should not turn a blind eye to it. After all, if you are a careful driver and avoid getting into an accident, you have a perfectly legal right to receive a well-deserved discount when taking out insurance. There is no reason to pay extra money to insurers.

If, nevertheless, the calculation of the KBM was made incorrectly and you paid an increased price, then you should immediately file a corresponding claim. It is better to immediately send the appeal to the insurance company, the Russian Union of Auto Insurers and the Central Bank of the Russian Federation. If the fact of an erroneous calculation of the bonus-malus coefficient is confirmed, then you will be entitled to a refund of the overpaid amounts. Always stand up for your rights.

Every car owner is required to insure his liability and purchase. For each year of renewal of the policy, the driver must be given a discount of 5 percent.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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The main thing is for the driver to avoid road accidents. The discount on the cost of the policy is called, that is, KBM, which is checked against the RSA database. However, the presence in this case does not have any significance.

Losing a discount can happen due to many reasons. And there are several ways to restore it. Unless, of course, the loss of such an advantage was not due to the fault of the driver himself (for example, etc.).

There are certain rules that must be followed in order not to lose the accumulated bonus when changing your driver's license.

Reasons for change

If a driver's license is lost, stolen or changed, the car owner is issued a new document. The reason for the change could be any.

When taking out a policy, the client of the insurance company provides its employees with a new driver’s license with a changed series and number.

When an insurance company operator enters changed data on a new document, it turns out that the data that was there before changing the driver’s license was not transferred to the insurance companies’ database.

As we have already noted, the insurance company transmits data about drivers from its database, and people (policy entry operators) enter this information into the database. There may be a human factor here - when entering the driver’s last name, first name, patronymic or date of birth, the operator could have made a typo. If at least 1 letter or number in the database does not match the information that you enter when accessing the AIS RSA, the system will return an error and your discount will be lost.

Multi-vehicle management

The driver could be listed as a person allowed to drive in several insurance policies. Moreover, the value of Kbm could be different in each of these policies, since until 01/01/2013 the agent did not turn to a single database to determine Kbm, but gave a discount based on the previous policy. For example: Ivanov I.I. has his own car, and is also allowed to drive the car of his wife, who has 2 years of driving experience. In his policy he has KBM 0.5, in his wife’s policy - 0.9 (since the wife’s insurance history is only 2 years, according to the number of years of experience). If the insurance company transmitted data on both policies, the value of Kbm for Ivanov I.I. will be the maximum of the two, that is, 0.9.

Insurance company bankruptcy

The insurance company went bankrupt and did not transfer data to the AIS RSA system. In this case, there is simply no information about the driver’s insurance history in the unified database.

Unscrupulous agent or employee of an insurance company

By law, before issuing a policy, an agent must check your discount in the PCA database. However, often the agent does not do this, taking advantage of the client’s illiteracy. By inflating the CBM, the agent increases the cost of the policy and thereby earns more. In this case, kbm = 1 is transferred to the RSA database, that is, the same as if the policyholder was taking out a policy for the first time.

What should you do to avoid losing the accumulated discount for break-even insurance and restore lost CBM?

Until July 1, 2014, insurers could use a “break-even certificate” to determine the value of KBM. P 35 of the OSAGO rules states: “In case of early termination or upon expiration of a compulsory insurance contract, the insurer provides the insured with information about insurance in the form established in accordance with the legislation of the Russian Federation. Information about insurance is provided by the insurer free of charge in writing within 5 days from the date of the relevant request from the policyholder and is entered into the automated insurance system.” Thus, it was enough to contact the insurance company where the last MTPL policy was issued, obtain a certificate in form No. 4 and, on its basis, issue the next MTPL policy. During the next transfer of data on the value of Kbm to the AIS RSA system, Kbm was updated.

On July 1, 2014, amendments to the legislation came into force that do not allow the use of CBM on the basis of a break-even certificate, namely:

Subparagraph "z" of paragraph 3 of Article 29 of the Federal Law of July 1, 2011 N 170-FZ "On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation" (with amendments and additions) amends the Federal Law "On compulsory insurance of civil liability of vehicle owners"

h) add clause 10.1 with the following content:

"10.1. Concluding a compulsory insurance contract without entering information about insurance into the automated compulsory insurance information system created in accordance with Article 30 of this Federal Law, and checking the compliance of the information provided by the insured with the information contained in the automated compulsory insurance information system and in the unified automated technical inspection information system information is not allowed.";

Thus, when applying for a compulsory motor liability insurance policy, the Insurer must check your vehicle registration certificate using the AIS RSA database, as well as check the presence of a valid vehicle inspection coupon in the unified information system EAISTO. Without this, issuing an MTPL policy is not allowed.

How to restore KBM? You can go 2 ways:

Option 1.

  • Determine at what point in time your KBM disappeared. To do this, you need to check KBM for different dates and find which insurance company issued your policy with the wrong discount.
  • Find and scan copies of policies with the correct KBM value
  • Write complaints to the Central Bank, RSA, the insurance company with which you are currently insured. Please attach scans of the policies on the basis of which you are requesting a recalculation of the discount to your complaint.
  • Within a month, your complaint must be considered and, depending on the set of documents that you send along with the complaint, a decision is made to restore KBM.

Option 2

  • Check out KBM. In the results of the check you will see a button “Not satisfied with KBM? We will restore it.” Our specialists will do all the work for you, and within 1-5 days your insurance premium will be restored and you will be able to issue an MTPL policy with the required discount or request a refund of the overpaid insurance premium from your insurance company.

Not all drivers who are faced with an incorrect calculation of the cost of compulsory motor liability insurance due to incorrect application of coefficients know how to make a refund of the CBM. There are now many offers on the Internet about fixing KBM for money, but this can be done for free in a short time and in an absolutely legal way. How to restore KBM under OSAGO for free? Why do insurers use incorrect BMR values? How to correct the class and BMR if the insurance company refuses to do so?

Reasons for errors

The price for civil liability insurance for a car owner is calculated using the KBM and other indicators. Depending on whether the driver had any accidents during the previous insurance period, KBM can either provide a discount on the policy or cause the need for additional payment for it. For a number of reasons, insurance companies may incorrectly calculate the CBM and require the incorrect amount of the insurance premium for compulsory motor liability insurance. All these situations can be resolved quite simply, since the insurance company itself, the RSA, and the Central Bank can return the KBM after writing a complaint or a corresponding statement. The most common mistakes include the following:

  • Error when entering information into the automated unified information system. According to the MTPL Rules, the insurance company must enter information about the policyholder and the new insurance contract into the AIS RSA within 5 days. Since this procedure is performed manually by the insurer’s employees, failures and inaccuracies are possible when entering information;
  • Failure by the policyholder to notify the insurer of changes in personal data, including a change of driver’s license. The RSA database will not find information corresponding to the new documents of the car owner, and the KBM will be assigned as a newbie. In order to avoid such a situation, it is necessary either during the validity of the policy or when applying for a new one to inform the insurance company about the changes;
  • Insurance company bankruptcy. In this case, the insurer will not be able or will not have time to enter new information about the contract and the old information will remain in the RCA database; no additional discount will be accrued.

In some cases, restoring the KBM is impossible, since the change in the coefficient is carried out legally. The first case is a break in insurance. According to the law, the MTPL discount is maintained for continuous insurance, that is, when one MTPL agreement expires and the next one is immediately concluded. If the break is more than one year, then the KBM is reset to zero and the driver is assigned class 3 and a coefficient equal to 1. The same rules apply to unlimited insurance. The BMI is not applied to a specific driver, but to a vehicle that a driver with a good coefficient insures for the first time - a basic BMI of 1 will be applied.

How to restore KBM for free?

If a car owner, when applying for an auto insurance policy, discovers that his bonus malus is determined incorrectly, he can correct the BMR in several ways. The easiest way is to submit an application with the corresponding request and data of the car owner to the insurance company. If the insurer refuses to complete the procedure or for some other reason cannot restore the correct ratio, the policyholder can do this through the website of the RSA or the Central Bank, using the electronic reception.

Through an insurance company

Since only a specialist with access to the automated PCA database can restore the MTPL discount, the car owner needs to go to the insurance company. To clarify the KBM through the insurer, you need to fill out an application in a simple form. The websites of some insurers provide the opportunity to leave an online request. Here are links to the request forms:

The insurer's employee will check the valid KBM using the AIS RSA. If the coefficient from the base does not coincide with the one used by the insurance company to calculate the price of the MTPL policy, the insurer will use new data for recalculation. The policyholder's request will be processed as soon as possible - the procedure cannot take more than 30 days. This service will be provided free of charge.

Through an insurance broker

An insurance broker can also restore KBM using the RSA database. To do this, he uses a special service that gives access to the RSA database. The recovery period is several days, but there may be delays due to AIS unavailability. The cost of one restoration can be up to 500 rubles. Some brokers guarantee a refund if the procedure cannot be completed successfully. This situation may arise if the KBM recovery service fails.

Through the Central Bank

If the insurance company was unable to restore the KBM discount, but you don’t want to contact an insurance broker and spend money, you can file a complaint with the insurance market regulator - the Central Bank of the Russian Federation. To do this, you need to use the official website of the Central Bank and go to the “Internet reception” section and select the “Submit a complaint” option. A list of topics will appear on a new page of the site (see Figure 1), among which you need to select “Incorrect use of KBM.”

Figure 1 - Filing a complaint to the Central Bank through the Internet reception

Next, a form will open that the car owner must fill out. On the page describing the issue, you must indicate the insurance organization with which the appeal to the Central Bank is related, write the essence of the claims, select the region, indicate the day when the described circumstances occurred and attach documents that prove the legitimacy of the complaint. You will also need to provide your personal information, including full name, birthday, SNILS. Then the system will ask you to check all the information entered (see Figure 2). After verification, you can submit a complaint.

Figure 2 - Verification of information from a complaint to the Central Bank of the Russian Federation

After sending, a copy of the applicant’s complaint will be sent to the email address specified in the appeal. Depending on which option the car owner chose to receive a response, the result of consideration of the application will arrive within 30 days either by mail in writing or by e-mail. You can send a complaint by registered mail with a list of all attachments - documents confirming that the restoration of the MTPL discount is a legitimate requirement.

Via the official RSA website

It will not be possible to restore the KBM for free online using RSA, since since 2015 the procedure has been carried out in a modified manner. First, the policyholder needs to contact the insurer, and if he cannot solve the problem, then he needs to contact the Union of Auto Insurers. To do this, you can send a written complaint to the postal address or use e-mail - [email protected].

Documents must be attached to the application - copies for the first method of application and scans for the second. RSA will not consider complaints without copies of documents. In the complaint for the restoration of the BMR, it is necessary to indicate the full name of the applicant and the driver of the car for which the BMR was incorrectly calculated, his birthday and driver’s license details (if the contract is issued for an unlimited number of drivers, then only the passport details of the owner of the vehicle). The result of consideration of the appeal will also be known within one month.

How to restore KBM when replacing rights?

The KBM discount is cumulative. That is, the discount increases by 5% for each year in which the car driver had no accidents and no insurance payments. The value of the KBM is recorded in the MTPL policy and in the RSA database on the basis of a number of documents, including a driver’s license confirming driving experience. It is from the database that new insurers, from whom the policyholder has not previously taken out a policy, take information.

Restoration of the CBM may be required if the car owner replaced his driver's license, but did not notify his insurer. When requested, the system will not find the driver’s KBM using the old driver’s license number, and therefore the coefficient will be reset to zero. To prevent this situation from happening, you must immediately report this to the insurance company after replacing your driver’s license. Then the insurer will make changes to the unified database within 5 days and the MTPL discount will not be lost.

If the replacement of the driver’s license was not reported and the cost of insurance was calculated using an incorrect coefficient, then the driver can write an application for changing the BMR directly at the office of the insurance company or use one of the methods listed above: through a broker, through the Central Bank or through Union of Auto Insurers.

Application for restoration of KBM

The application form is not established by law, so it can be written in a simple form (by hand or printed). There is a recommended form on the RSA website; if necessary, you can use it. Only indicate in the header of the application the organization to which the application is being sent. The header indicates the full name, postal address and telephone number of the applicant. The application itself must contain the following information:

  • Insurance case number;
  • OSAGO policy number;
  • The reason for the request is a change in the BSC;
  • Signature.

The RSA form does not require a list of attached documents, but it is better to include it. The application should be accompanied by copies of your passport, documents on ownership of the vehicle, insurance policy and contract, and driver’s license. If in previous periods the policyholder had accidents, then it is worth attaching copies of traffic police reports and copies of independent examination reports, if one was carried out. The result of the consideration of the request will be known within a month.

Conclusion

Before changing the KBM, you need to find out the reason for using the incorrect coefficient when calculating the price of insurance. The established recovery procedure assumes that the car owner must first submit a claim to the insurance company. If she cannot solve the problem, then you should write a complaint to other authorities. Every driver must understand that if the KBM was changed legally, then not a single complaint will allow the discount to be returned back.