How to determine driver class for insurance?

With the increase in prices for OSAGO, many motorists shy away from processing the policy. This decision can not be called deliberate, although the desire to save is understandable. There is another, legitimate way to reduce the cost of a policy - a trouble-free ride. In this case, the driver class is assigned. How to determine and correctly use it, read on.

Prerequisites

Today, such a concept as a "driver class" is most often used by "skilled specialists" who worked in the Soviet Union. Then the graduation began. Each driver sought to obtain the rights of the 1st category. For this, by the decree of the State Labor Committee, a premium was introduced to the salary. Leaders were also proud of the enterprise. Today, there is no such obligatory gradation. But if the director introduced it at the enterprise, it can not cancel. This is spelled out in paragraph 3.8 of the "Federal Agreement on Road and Ground Transport".

Grouping

How to determine the driver class according to the old scheme? There were only three of them and they ranged from bigger to smaller. The basis for the division was the number of open categories in rights:

• "A" - mototransport;
• "B" - passenger car;
• "C" - cargo motor transport;
• "D" - the bus;
• "CE" - heavy transport with a trailer.

How to determine driver class?

Grade 3

This group included drivers who had the categories "B" and "C". There was one more gradation. Instead of "C", "D" could be opened.

Grade 2

The presence of category "B" rights for this group is not necessary. At the same time, it was necessary to have permission to drive a bus ("D") and heavy transport with a trailer ("CE"). Acceptable conditions: "B + C + CE" or "B + C + D" or "D + CE". The rights of this category were issued after three years of continuous driving.

1 class

The leading people were people who had all the categories open. Although it was noted that the existence of a permit to manage motor transport is not necessary. As in the previous case, the rights of the first category were issued after two years of continuous management of the lorry.

Changes

This graduation was used before. How to determine the driver class today? The process became more complicated, as new categories appeared in the document:

• "BE" - a car with a trailer;
• "CE" - a truck with a trailer;
• "DE" is a bus with a trailer.

For the rights of the first category, it is not necessary to open "BE" and "DE".

Classification for compulsory motor TPL insurance

"Autocitizen" includes a certain list of classes. There are only 13 of them. There is a minimum class among approved drivers. How to identify it? If the driver does not have a history of insurance as such, he is assigned the default value of "1". This means that when calculating the cost of the policy, all factors were taken into account, except for the history of driving. With a decrease in the number of applications to the company for payments for the year, the driver's class is constantly increasing.

At the same time, the MSC index is calculated. With its help you can reduce annual fees by 5%. The person who is assigned the highest category "13" can receive a discount of 50% when paying for the policy. Hit in an accident causes an increase in the price of the policy and a decrease in the class.

Drivers who are assigned the most minimal class (M), acquire a policy with a mark-up of 45% of the fixed rate. This situation occurs if a person more than four times a year applied for payments to the company.

Cost of the policy

When calculating the cost of a policy, the driving class has a decisive role. How to determine it, will be discussed in detail below. The essence of the calculations is as follows: the higher the class, the lower the price. The cost of the policy is determined on the basis of four factors. Let us consider them in more detail.

Type of vehicle

Tariffs are registered separately for buses, trucks and cars. Separately, there is a division of brands and models of vehicles based on the statistics of their entry into an accident. Coefficients by region are formed on the basis of data on incidents in all cities. For novice drivers, the highest ratio is assigned, and the experienced one is given a lower one.

History of driving

Based on this indicator, the value of MBM is calculated. As mentioned before, the bonus-malus ratio affects the cost of the policy.

Driver class

On which site can you determine the class of the driver of OSAGO? SAR. Here is a special form for calculation. It is necessary to enter personal data (name, date of birth) and number of the certificate. In response to the request, all information will appear on the driver, that is, his insurance history. This information is used not only by consumers of services, but also by insurers. The history of a particular person can be found even if he changed his last name. A similar database is available in each insurance company.

All companies, when signing an agreement with a client, must enter its data into the RSA database. It does not matter whether this person was a client of the company before or not. Insurance history is formed according to data from all insurers. This is spelled out in Art. 9 of Federal Law No. 40 "On OSAGO".

How to determine the driver's class for insurance through the site? If a person first applies for the registration of a policy, then first all the information is entered on the site of the insurers. If he subsequently applies for payment, the information is corrected. Data on the nature of damage, the amount of payment are recorded. Even if in a while people turn to another company, all information about it is preserved. The new insurer will check the entire history in the RSA database. Here's how to determine the driver's class in the OSAGO according to the X-ray.

Checks

Any driver can also check information about himself on the insurer's website. Do this every year when buying a policy. When calculating the cost of a policy, it is impossible to exclude the human error factor. The contract contains a sequence of calculations. If discrepancies are found, you should contact the company for a transcript. Usually such a situation arises when the insurers change. If they refuse to conduct detailed calculations, they will have to contact the prosecutor's office.

Statement of claim

In order to appeal the cost of the policy, you must provide an application in which to indicate:

• The essence of the claim is the transfer of the violated rights;
• A detailed description of the circumstances;
• A request to take measures against the insurer and institute proceedings against officials;
• Personal Information.

Documents are reviewed within a month. Usually, after such a procedure, the company conducts all calculations.

KBM

Previously, the MSC was calculated separately for each vehicle and was reset if it was sold. Accordingly, the discount for buying the policy was reduced. The person who bought the new car had to collect the points repeatedly and once again raise the class. Since 2016, the calculation methodology has changed. The coefficient is assigned to the person himself, not to the car.

You can also learn the MBM, how to determine the class of accident-free driver. Option one - to view the information on the site of the SAR. Option two - look at the table below.

* If for a year the driver once applied for payment, then for the next year his class will be as indicated in parentheses.

How to determine the driver class at the end of the year? You need to find in the table the value of the category that was assigned to the driver at the beginning of the year, and compare it with the number of calls for payments. An experienced driver is assigned the highest class of "13" and he gets a 50% discount (KBM = 0.5) for buying a policy. How to determine the driver class at the beginning of the year? It is equal to the number of years of driving experience.

Example

The insurance company gave the driver a class of "5" accident-free ride and sold the policy with a 10% discount (KBM 0.9). If within a year, while the policy is in effect, the driver will apply for payment, then the next time he will be assigned the class "3". If during the reporting period there are no applications to the company, then a "6" class with KBM of 0.85 will be assigned. That is, he can buy a policy with a 15% discount.

Subspecies of KBM

Insurers divide this coefficient into three more types:

• Driver's license - determined by each driver at the time of insurance;
• The owner of the vehicle;
• Calculation is used for costing.

There is also a maximum and minimum value of the indicator. On the first there is a discount for buying a policy. With a minimum value, the policy is sold for 100% of its value. With further reduction, the cost of the policy increases.

Application

Compulsory and unlimited compulsory motor third party liability is applied in different ways. The first category includes contracts, according to which the number of persons admitted to driving is limited. Accordingly, in policies of the second category, no limits are set.

The coefficient is determined for each driver separately. The calculation uses the indicator, taking into account the information for all drivers. Let's say the driver retains the driving class for the current year. The discount will be given not to the owner, but to the concrete driver. If for a year the owner of the car changes, the MBM will not be recalculated. The increase in the value of MSC for the next year will be carried out against those who became the culprits of the road accident.

Calculation of cost

Calculation is carried out by such an algorithm. At the first reception of the policy the driver is assigned the third class. If a year has not been a single accident with his participation, then the next year the class will be increased. If there was one appeal for payment, then the category will remain the same. If there were two conversions or more, the class decreases to "M". With each category increase, the KBM class is reduced. Accordingly, the discount is growing. For example, when moving to class "4", the driver is assigned an MBM of 0.95, which means the right to receive a discount of 5%.

Factors

KMB directly depends on accident-free driving. Assignment of the coefficient is carried out under the policy of OSAGO, the validity of which ended a year ago. Operating agreements are not taken into account. That is, if it is not possible to calculate the MBM of the driver, it is assigned the class "1" by default.

The driver's experience also matters. The owner of the vehicle and the persons admitted to driving will be considered separately. The class is recounted at the moment when it is necessary to make payments on road accidents, in which the driver is guilty. At the same time, the insurance premium is reduced . The discount for buying a policy is preserved even if the client has changed the insurance company.

Reflection of information in the policy

According to the law, it is not required to enter the MBM of the driver and owner into the policy. But the insurer can do it on the basis of the internal management order. Usually such information is prescribed in front of the name. The owner of the car and every authorized driver. Sometimes the record is made in the column "Special notes".

Conclusion

The insurance of OSAGO is thought out with the system of encouraging experienced and accurate drivers. At the big experience and correct driving the client receives a discount in 50% on purchase of the policy. When calculating the drivers are divided into certain categories. How to determine the minimum driver class? Given the number of claims for payments and the history of driving, you can view the corresponding indicator on the site of the SAR or in a special table.