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

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

Every year, more and more motorists are asking themselves 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 the MBM ( bonus-malus ratio) . This article and many other things will tell this article.

Why can the MSC be calculated incorrectly?

Before talking about how to restore a discount on OSAGO (Rosgosstrakh offers it to its customers), you first need to understand the main reasons for 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 previous policies 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 on a particular driver, various mistakes may be made that 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 operation.
6. Permission to drive the car to several drivers.

Regardless of the reason for 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 most frequently asked questions among many drivers is: "How to restore 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, and you will not get any discount when you make out 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 us, so 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. On how to restore a discount on OSAGO (Rosgosstrakh offers its customers this opportunity), will be told a little later.

Incorrectly filled insurance policy

Even the slightest mistake made when filling out the insurance contract may lead to the return of the MSC to the base value. This is due to the fact that if incorrect data is included in the policy, then 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 mainly corporate 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 has not been involved in traffic accidents for one full year, he is credited with insurance points that give a discount when the policy is renewed. If the insurance program was changed or the driver did not drive for 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, nothing at all.

Is it worth it 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 high-speed regime and traffic rules, and also does not get 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 restore a discount on compulsory motor TPL insurance in Rosgosstrakh is very urgent nowadays, since the MSC allows you to save significantly on an auto citizen. In addition, if the insurer incorrectly calculated the coefficient for previous policies, then when the points are restored, the driver will receive compensation.

Basic methods for recovering MSC

So, you went to the insurance company to extend the policy and found that it went up. 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 it is necessary to dwell on each of them in more detail.

Solution of the problem through the insurer

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

In this regard, most UK websites even have a special section in which you can file a complaint online. To the form you will need 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, as well as photocopies of the above documents.

The secretary will have to register the appeal in a special journal, and on one of the applications to put the registration number and seal, and then mail it to the client. According to the legislation of the Russian Federation, the insurance company has 10 days, during which it must determine the combustion problem of the MSC and solve this problem. And how to recover 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 out an insurance policy no longer carries out its activities, then the MSC can be restored through the Central Bank of Russia 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 restore a discount on OSAGO through the Central Bank of Russia? 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 activity no more than one year ago.

To restore the KMB, you need to go to the 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 adoption of the decision by the Central Bank may take up to 30 days, during which representatives of the authority will check the relevance of the information provided by the driver, establish the cause of the problem and make a final decision.

Now you know how to restore a discount on OSAGO. Alfa Insurance and the Central Bank of Russia 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 in solving this problem.

Contacting the SAR

SAR is one of the most influential organizations 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 on the MTPL policy. There you can find the application form and contacts for consultation.

Recovery of MSC through an insurance broker

This method of recovering insurance points is not the most successful, but it can not be completely ruled out. Motorists prefer to avoid these companies, because they charge a commission for the provision of their services. Nevertheless, they work very quickly and will be able to help you to recover the discount for OSAGO for 1 day. The exception will be only the case, if earlier you were 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 issues via the Internet, so many motorists are interested in the question of how to restore a discount on OSAGO without leaving their own home.

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

What documents may be needed to restore the MSC?

To restore your legal discount on the insurance, deserved for many years of accident-free driving, you must submit 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 insured events.

In some cases, the insurer can ask you for a certificate from the State Traffic Safety Inspectorate about the absence of offenses, so for the recovery process to pass as quickly as possible, you should get 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 will not be superfluous to make screenshots from the site of the SAR, as well as photocopies of the technical passport for the vehicle, driver's license and certificate of passing 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 restore a discount on OSAGO. In this article, all methods of solving problems with automobile insurance, existing for today, were considered. As practice shows, in most cases everything ends at the appeal to the insurance company. After all, despite the fact that insurers are very reluctant to accept applications from their clients, nevertheless, no one wants to pay a large fine or lose a license. However, if for some reason SK could not solve the problem of incorrect calculation of the coefficient, it is always possible to apply to higher authorities.