Familiarize yourself with the form of the electronic resource of the Union of Motor Insurers, with the help of which you can check your K bm online using the AIS RSA database (hereinafter -). This feature is available to users at any time and car owners should check the KBM on this site, and not try to use various unofficial accesses, since the information here is complete and accurate.
During the check, the user receives information not only about the current value of KBM, but also about the source of information (in which insurance, and for which particular policy the coefficient was calculated). In addition, the PCA database allows you to check the OSAGO policy for authenticity.
Please note that the request is sent directly to the PCA database for any date that the user is interested in.
This point is very important because:
- At the time of the conclusion of a new contract for a motor vehicle citizen, the bonus-malus coefficient will be determined on the date of the newly issued OSAGO policy. It changes the day after the current policy has expired.
- In the case when the driver is entered into several insurance policies at once, the registration of a new autocitizenship takes place taking into account the information from the last expired policy.
These moments also affect the fact that on different days the value of the coefficient may be different. This should not be forgotten.
In the form below, you can find out the KBM on the PCA database.
How is the check of KBM car owners
As a rule, the KBM check has the following features:
- The user is provided with a KBM request identifier (unique);
- The indicator can be determined both for legal entities and for individuals;
- It is possible to perform a coefficient check for a policy with an unlimited number of drivers;
- The program displays information on the previous autocitizen policy, which indicates the name of the insurance company and the status of current losses.
Making a request for KBM online is quite easy. To do this, you need to enter your own data in the verification form, namely:
- select the number of car drivers whose given coefficient will be checked by the service (no more than 4 people can be checked at the same time).
- indicate the date of interest for the check (the current coefficient is checked for the corresponding date). To find out the coefficient for a newly concluded OSAGO agreement, you need to specify the date following the expiration date of the previous policy.
- Enter the full name without regard to the case (for example, Matveev Matvey Matveevich).
- Enter date of birth information.
- Specify auto ID details (case insensitive).
- Press the "Search" key.
After that, the information you are interested in (Kbm) will appear at the bottom of the page, which is worth writing down.
Please note that the value of this coefficient is calculated exclusively on the date specified in the request.
Calculation of discounts for OSAGO: features
When concluding a contract for a car citizen, the car owner must know that the insurance manager receives information about the KBM from the AIS RSA database.
In the case when the necessary information is not available in the system, the price of the insurance policy will be calculated taking into account K bm =1. Regarding the driver's class, it must be said that it is determined once for the entire period for which the autocitizen agreement is concluded (1 year). From this it follows that payments made through the fault of the owner of the vehicle, the coefficient increases only in the process of drawing up the next insurance contract.
If the car owner plans to conclude an OSAGO agreement with a limit on the number of persons allowed to drive the vehicle, then the car driver who expects to receive a discount must appear in this agreement from the beginning of its validity. If the driver was added to an already existing insurance policy, then next year K bm is not taken into account for him (for an incomplete period).
It is important to understand that the driver is assigned a coefficient based on his accident-free driving under the previous auto-citizen agreement, from the expiration of which no more than 1 year has passed.
In the case when the insurance history of the driver is missing, in the calculation of the policy price, CBM = 1 is taken. At the same time, the discount accumulated by the driver, as a reward for accident-free driving, is retained for him, regardless of which insurance company he will apply for the next auto citizenship.
The driver/owner of the vehicle can only if at the time of entry into force of the new OSAGO agreement, the previous "accident-free" has already been completed.
How to calculate what should be K bm?
There are times when the PCA database contains inaccurate information and the KBM will be indicated more than the person actually needs. As a rule, this happens due to the fault of the employees of the previous insurance company, who enter the wrong “bonus-malus” values into the database when applying for auto citizenship.
Please note that the "class" and "KBM" of the driver are practically the same thing. Therefore, it is now possible to find out the coefficient from the class, as well as perform the reverse operation.
You can check your KBM using the table below. Here the initial class is 3.
Table Kbm - definition of discounts for OSAGO:
Suppose the user insured his car on 11/15/2016. During the insurance year, it has a certain coefficient and class (these values do not change throughout the year). These indicators will be when checking Cbm OSAGO online. If, for example, now the driver has class 7 and KBM = 0.8, then in order to find out these parameters for the future autocitizen policy, you need to:
1. Watch the 7th line (class 7 and K bm = 0.8). Then, depending on the number of insured events (see the last five columns) in this insurance year, you can find out your class in the future. For a specific example (current class 7) for the next year the class is set:
- 8 - if there were no insured events;
- 4 - if there was one insured event;
- 2 - in the presence of 2 insured events during the year;
- "M" (lower class) - in 3 or more cases.
2. Return to the first two columns, where, in accordance with the new class, the MSC for the next year is determined.
In order not to look for indicators in the table each time, you can use a simple rule: with accident-free control of the vehicle, the bonus-malus coefficient for the driver will annually decrease by 0.05, lowering accordingly.
In conclusion, we additionally draw the attention of all car owners to the fact that representatives of insurance companies quite often make mistakes in the process of entering KBM into a single PCA database. It is advisable to independently check this indicator and, if necessary, contact the insurance company for.
When calculating the cost of an OSAGO policy, a number of parameters are used (including the bonus-malus coefficient) that increase or decrease its price. The total insurance amount is calculated by successively multiplying the base rate by each of them. This method allows the insurer to balance the cost of the policy with the degree of risk in each case.
An important component of the calculation formula is the bonus-malus coefficient (MBM). It can take values from 0.5 to 2.45 and has a great influence on the final result. If the minimum value of KBM reduces the amount of insurance by half, then the maximum value increases it by almost two and a half times.
This principle of calculation is the basis of our online OSAGO calculator.
KBM - what is it and why is it needed?
To assess the risks of future expenses, insurance companies take into account not only the regional affiliation and technical characteristics of the car, but also the driving skills of a particular driver.
Insurers are directly interested in attracting careful drivers who do not get into an accident. And if they do, it is very rare and through no fault of their own. Such customers bring profit to the company, and the company, in turn, stimulates this style of driving by lowering the BMR.
In other words, the bonus-malus coefficient is a discount to the driver for accident-free driving.
For each year of break-even driving, the policyholder receives a 5% discount until the total discount reaches a maximum value of 50%, which corresponds to a BMF = 0.5. And vice versa, if the driver applied for damages, then the bonus-malus ratio increases, increasing the cost of the next insurance.
How is the bonus-malus ratio calculated?
It is most convenient to determine the bonus-malus coefficient using a special table.
| Class | KBM | The number of insured events (applications for damages) that occurred during the period of validity of the OSAGO agreement | ||||
| 0 | 1 | 2 | 3 | 4 | ||
| The class to be assigned | ||||||
| M | 2,45 | 0 | M | M | M | M |
| 0 | 2,3 | 1 | M | M | M | M |
| 1 | 1,55 | 2 | M | M | M | M |
| 2 | 1,4 | 3 | 1 | M | M | M |
| 3 | 1 | 4 | 1 | M | M | M |
| 4 | 0,95 | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 13 | 7 | 3 | 1 | M |
If the insurance contract is concluded for the first time, then the driver automatically receives the initial 3rd class (KBM = 1).
- The first column contains information about the class assigned to the driver at the time of issuing the current OSAGO policy.
- The second column indicates the MSC corresponding to the assigned class.
- The rest of the table contains classes that will be assigned depending on the number of insured events in the current year. KBM will change according to the table at the time of the conclusion of the next OSAGO agreement.
The discount table is very easy to use. To calculate the bonus-malus coefficient, it is enough to know the initial value of the class and the number of insured events that occurred during the period of the last OSAGO agreement. You can find out the original class from your insurance company or yourself using one of the following ways to check the MSC.
Where can I check the bonus-malus ratio?
Almost all insurance companies on their web resources provide an opportunity to find out KBM online. In addition, in the network you can find separate services for checking the current value of the coefficient that are not associated with a specific insurer.
All sites that check the bonus-malus coefficient refer to the database of the Russian Union of Motor Insurers (RSA). Anyone can also use the PCA online service and get information directly without intermediaries.
How to check the driver's KBM according to the PCA database online?
The procedure for determining the coefficient on the PCA website is intuitive and does not cause any particular problems. Of the documents, only driver's licenses of citizens of the Russian Federation admitted to driving and a valid OSAGO agreement will be required. The check is carried out in relation to each of the drivers according to the following algorithm:
- In the field "Owner of the vehicle" it is necessary to mark "individual".
- In the next section, you need to indicate to the system that there is a limit on the number of persons allowed to manage by clicking the "limited" button.
- Next, the required information from the driver's license is entered: full name, date of birth, series and number of the document. If any of the specified information has changed (rights, last name, etc.), then the system may incorrectly determine the KBM. Please try again with the same data.
- In the field "Date of commencement of the contract / adding the driver to the contract" you need to enter the estimated date from which the new insurance policy will begin to operate.
- Finally, a verification code (captcha) is entered and the request is sent to the server.
As a response, a table with information about the latest insurance and the bonus-malus coefficient used in calculating the agent's insurance premium should appear. The system also provides information on the number of insured events and the value of the new KBM.
You can check the result obtained from the discount table above. To do this, we take the initial bonus-malus coefficient, on the basis of which the cost of the last OSAGO policy was calculated, and determine the new class value depending on the number of insured events. After that, we find it in the first column of the table, and the value of KBM corresponding to it (in the second column) is the desired coefficient for calculating the next insurance premium. Ideally, it should match the results on the PCA website.
When planning future expenses for OSAGO insurance, it should be taken into account that the maximum of all the values of the BMF of persons admitted to management is taken to calculate the cost of the policy.
Features of calculating the KBM with unlimited insurance
How to find out the value of the bonus-malus coefficient for insurance without restrictions, if the BMR of drivers is unknown in advance? In such cases, the amount of the discount is determined by the owner of the car.
All calculations are carried out in the same way. The only difference is that the KBM is assigned to a specific vehicle. That is, a new car of the same owner completely resets the accumulated bonus and receives the initial indicator of class 3.
There are cases when the KBM verification service gives incorrect information about the absence of a discount or calculates it incorrectly. In this state of affairs, there is every chance that the insurance company at the time of the conclusion of the contract will receive the same information and the cost of the OSAGO policy will be unreasonably high. In this case, it is better not to wait for such a development of events and take timely measures to correct the situation.
How to restore KBM according to OSAGO? Today, several methods are known. We recommend consistently using each of them until a positive result is achieved.
1. Internet services
There are many paid and free resources on the network that offer KBM restoration services. We do not know how reliable this method is, but on similar sites, motorists are promised a quick solution to the problem, which is why it is listed first. Similar services are available on the websites of some insurance companies. Perhaps they will be more reliable than pages of unknown Internet resources.
2. Letter to the insurance company
If an OSAGO agreement with an overestimated KBM has already been concluded, you can write an application to the insurer. The company must check and recalculate. To do this, follow these steps:
- Prepare 2 copies of an application addressed to the head of the insurance company with a request to change the value of the coefficient in the current insurance. The basis for making changes may be the previous OSAGO policy or a certificate from the previous insurer about the absence of damage payments.
- Attach copies of supporting documents to the application and take them to the insurer. One copy remains with the secretary, and the other is returned to the applicant with a note of acceptance (incoming number, date, signature). If the insurance company refuses to accept documents, send them in a valuable letter with an inventory and notification.
The term for consideration of the application is no more than 10 days. If after this time the value of KBM does not change during the re-check, call the insurance company. After making sure that the insurer does not intend to take measures to correct the situation, you can proceed to the next step.
3. Complaint to the RSA
Contacting the Russian Union of Auto Insurers is recommended not only if the insurance company refuses to make changes to the current bonus-malus coefficient, but also in the event of the liquidation of the insurer, when there is simply nowhere to write an application. Let's take a closer look at how to restore KBM for OSAGO in RSA:
- Complaints can be submitted in two ways: online and by mail. To restore the KBM online, just go to the page of requests to the RSA, download the application form on it and send it to e-mail: request@autonospam ins.ru. The postal item is sent to the address: 115093, Moscow, st. Lyusinovskaya, 27, building 3.
- Regardless of the form of application (online or by mail), the document must contain the full name, date of birth, driver's license or passport number for contracts without limiting the number of drivers. In this case, the data must be confirmed by copies of the specified documents. If this condition is not met, the complaint will not be considered.
- After filling in the data required in the application, it is necessary to state the essence of the claim and justify your position. If the verification confirms the information you provided, the KBM will be restored, and the insurance company will be required to recalculate the amount of the premium.
The process of restoring the coefficient through the PCA cannot be called operational, the procedure often stretches for several months. And the result is not always positive.
4. Application to the Central Bank of the Russian Federation
Some insurers prefer to immediately contact the Central Bank, considering this method the most reliable. Of course, the way it is, however, skipping the previous two stages, there is a high risk of receiving an offer from the Central Bank to apply to an insurance company. Therefore, this method should be used only as a last resort when others have failed.
To contact the Central Bank, you need to go to the Internet reception on the page for filing complaints and select the item "Incorrect use of KBM (discounts for accident-free driving) when concluding a contract." Next, you need to follow the link and follow the instructions of the system.
After receiving the application, the system will send a notification of admission to the e-mail you specified. There will also receive messages about the progress of the complaint and the results of the check. As a rule, 30 days after applying to the Central Bank, the CBM check already shows the correct result.
Video instruction on how to return KBM under OSAGO
Today, the database of insurers allows you to check OSAGO in different ways: by policy number, by car number, etc. And vice versa - by the insurance number, for example, you can find out the car number. There are three verification options:
Attention, the last weeks of the verification forms have been working o-o-very slowly, they are not loaded the first time. This is a problem on the RSA side. If you want, you can try to download the verification forms individually on their website: one , two , three , respectively.
1. Checking the status of the form by its number. You can check the paper or electronic OSAGO policy in the database of the AIS RSA (Russian Union of Motor Insurers) and find out its validity period below.
This form is for checking both paper policies and electronic policies of the XXX series purchased via the Internet! Usually, e-insurance enters the database immediately after registration, but sometimes, due to the workload of the database, this can take several days. The correct status for valid insurance is “is with the insured” (but if immediately after the purchase the status is still “is with the insurer”, then this may be normal - the agent might not have time to make changes to the database, wait a couple of days and only then sound the alarm) . Definitely “bad statuses” of the OSAGO policy are “lost” (why exactly it has become invalid can be seen in more detail by checking below) or “lost”. The status "printed by the manufacturer" means that such a form was not even transferred to the insurer.
Such a check does not give 100% certainty that you have a valid policy in front of you (after all, fraudsters could make a “duplicate” of this form), but it allows you to reject obvious fakes and stolen forms. But in order to exclude “doubles”, you need to check which car is insured under your policy ...
2. Find out which car is insured according to a certain form. In addition to the license plate, VIN code or body number, the results show a more detailed status of the form, for example, why exactly the insurance is not valid (the contract could have been terminated ahead of schedule or the insurance policy could have been lost):
3. Find out the OSAGO policy number by state number, VIN or body number + check if the driver is included in the insurance. This check is the reverse of the previous one, here, according to the car, you will find out which insurance company it is insured with, the policy number and its type (limited or unlimited). The VIN check is the most complete. It is searched by license plate only if this information was transferred by the insurer (they do not always do this).
If the insurance is with a limited list of drivers, then the system will offer to check whether a certain driver is included in the insurance by the number and series of the driver's license (this option appears on the second step after).
If you recently added someone to your OSAGO policy or made other changes to the data, then according to the standards, insurance companies are required to make changes to the PCA database within 5 days. Therefore, do not be alarmed if after a couple of days the changes have not yet been displayed in the AIS SAR database.
The last check is also useful for checking a used car before buying. After all, the presence of two simultaneously valid OSAGO policies on one VIN number (or GRP) can be a “bell” that a car is a “double”. In this case, I also recommend (in this case, a bad sign is that the car regularly undergoes MOT in one region, then in another).
4. Assistance of a car lawyer on OSAGO issues:
If you are faced with the fact that your policy, judging by the database, is fake or you have other legal issues related to OSAGO, then you can get a free lawyer's answer in the form below.
CBM or "Bonus-Malus" coefficient is a coefficient that is used by insurance companies when calculating the insurance premium under the contract. Depending on the presence or absence of accidents, "Bonus-Malus" can be lowering or increasing. For the convenience of determining this coefficient, a special KBM table for OSAGO has been created.
| Class | KBM | Rise in price – Discount |
The number of insured events (payments) that occurred during the period of validity of previous OSAGO contracts | ||||
|---|---|---|---|---|---|---|---|
| 0 | 1 | 2 | 3 | 4 | |||
| The class to be assigned | |||||||
| M | 2,45 | 145% | 0 | M | M | M | M |
| 0 | 2,3 | 130% | 1 | M | M | M | M |
| 1 | 1,55 | 55% | 2 | M | M | M | M |
| 2 | 1,4 | 40% | 3 | 1 | M | M | M |
| 3 | 1 | No | 4 | 1 | M | M | M |
| 4 | 0,95 | 5% | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 10% | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 15% | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 20% | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 25% | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 30% | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 35% | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 40% | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 45% | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 50% | 13 | 7 | 3 | 1 | M |
Check KBM
What do the rows in the table mean
The cost of the contract directly depends on which class of KBM for OSAGO will be applied.
The entire table is divided into several sections. The first column indicates the class of the driver at the time of insurance. A driver who first contacts a company representative in order to issue a policy automatically receives the initial 3rd class. It is from him that the calculation will take place up or down.
The second line contains the discount, the bonus-malus coefficient, as a percentage.
The last column indicates the presence or absence of appeals during the insurance year.
How to use the table
The table is very easy to use. To determine the coefficient, you only need to know: what class was at the time of insurance and how many accidents happened during the validity of this contract. The second meaning is simple, since every driver knows whether accidents have happened or not. The first value can be found in the insurance organization or on the page.
For verification, you must enter: full name, date of birth, series and number of the driver's license. After entering personal information, a verification will automatically occur.
In order to personally find out the coefficient at the beginning of insurance, you must contact the office of the company where the contract was drawn up. You must have a passport, a signed contract and a driver's license with you. In terms of time, checking the bonus-malus takes no more than 10 minutes.
After you recognize your class, you need a 2020 OSAGO KBM table to determine the value. In the first column of the table, you need to find your class. The second column will reflect the discount, or multiplying factor, that was used in calculating the premium under the contract. Next, the bonus-malus for the next year is determined. In the absence of payments, it goes down the table by one line. If there were accidents, it rises up the table, depending on the accidents.
An example of calculating the KBM according to the table
Here are two examples for you. In the first case, the driver drove for a year without loss, in the second, the driver had an accident. Let's consider how the KBM table of the driver class works, in the absence and presence of insured events.
Ivanov Sergey Petrovich turned to the insurer on November 11, 2015. At the time of registration of the contract, the driver was assigned class 9 KBM, namely a 30% discount to the base rate under the policy. It turns out that the client has already used the services of the insurance company more than once and each received 5% for an accident-free ride.
Example #1: No accidents
A year later, Sergei Petrovich again turned to the insurance company to obtain a new contract. As before, the client had no accidents, and the employee provided a reduction bonus for an accident-free year. To determine, she used the Bonus-Malus table for OSAGO.
Sergey Petrovich had the 9th class, moving along this line to the right, in the table, the insurance agent looked at the new class, with the number of insured events "0". After 9 comes 10, which corresponds to a discount of 0.65 or 35% to the total cost of the insurance contract. It turns out that the new contract will receive a discount of 35%.
Example #2: Having three alarms
A year later, Sergei Petrovich again turned to the representative of the insurance company to draw up a new contract. Unfortunately, over the past year, the client had 3 accidents, through his fault. In this regard, the client did not count on a good discount.
Sergei Petrovich was in the 9th grade. Moving along the line, you need to look at the new coefficient that is assigned to the driver who had 3 accidents. The new class that the emergency driver receives is 1 or a multiplier of 1.55. It turns out that the client must pay an increased insurance premium.
KBM with unlimited insurance
If a policy is issued that provides for an unlimited number of persons admitted to driving a vehicle, then the question arises: how to find out the bonus-malus class? In this case, the calculation of the bonus goes to the owner of the car.
The coefficient for the owner is determined in the same way as for the driver. The only thing to take into account is that the discount on the car by the owner is assigned to a specific car and does not apply to others.
For example, for several years in a row, without accidents, you draw up a contract for a VAZ 2110 car and earn the maximum class, in the amount of 50%. When buying a new car, Kia Ria, subject to an unlimited number of persons, according to OSAGO, you will be assigned an initial - 3 indicator. It turns out that a new car is a new system of discounts.
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When concluding or renewing an OSAGO contract, the bonus-malus coefficient (MBM) is applied to calculate the total cost of insurance. CBM may increase or, conversely, reduce the cost of the policy, depending on the number of accidents and insurance payments that were recorded for the person entering into the contract in the previous period.
The coefficient is updated annually and, with an accident-free driving experience of 10 years, reaches its maximum value of 0.5, or a discount of 50% of the policy cost.
Unfortunately, it is not uncommon for motorists to suddenly find out that they no longer have discounts. In such a situation, it is necessary to check the data entered into the AIS database of the Russian Union of Motor Insurers. Checking the KBM against the PCA database takes no more than a minute and is available to all users free of charge. To check the coefficient, you need to go to the PCA website and follow the path "OSAGO" - "Calculation of the cost of OSAGO" - "Check KBM".
To proceed with the verification, you must agree to the processing of personal data by ticking the appropriate box.
Checking the KBM on the PCA database is available only for citizens and residents of the Russian Federation.
If the owner of the vehicle is a legal entity, for verification it will be necessary to indicate:
- TIN of the owner of the car;
- Body and chassis number;
When filling in data about the vehicle, only numbers and Latin or Cyrillic letters are indicated.
When checking the coefficient of an individual who is the owner of the vehicle, if the contract is concluded without limiting the circle of persons who are allowed to drive the vehicle, the following shall be indicated:
- Surname, name and patronymic of the owner of the vehicle;
- Date of Birth;
- Type of identity document, its series and number;
- VIN or mark of state registration of the vehicle;
- Chassis and body number;
- Start date of the contract or supplementary agreement.
If the contract is concluded with an indication of a limited number of persons who are allowed to drive the vehicle, for verification it is necessary to indicate:
- Surname, name and patronymic of each driver;
- Date of birth (in full);
- Driver's license data (series and number);
- The date of commencement of the contract or additional agreement.
To obtain correct information, it is important to indicate the date of the request correctly: it must coincide with the start date of the new policy, but not earlier than the next day after the end of the previous contract. After confirming the security code, the requested information will be displayed on the page.
If, according to the calculations, the CBM discount should be higher, but this is not reflected in the system, before submitting an application to the insurer for the restoration of the CBM and a complaint to the PCA, you need to make sure of the following:
- Is it true that there were no insured events and payments for the past period;
- Has it really been a full year? The discount increases every year by 5%, if the past period is less, the discount remains the same;
- Has it been more than a year since the end of the auto insurance contract? CBM is retained for one year after the expiration of the OSAGO policy, if the insurance contract is no longer extended, the discount is reset to zero.
If all the facts indicate that the coefficient is indicated incorrectly, it is necessary to restore it. Since December 2015, a simplified scheme has been in force, according to which, in order to apply the correct KBM, it is enough to send a statement of disagreement to the insurance company with which the insured has entered into or is going to conclude an agreement. Further, the insurance company also checks the KBM according to the PCA database and, in case of incorrect data, replaces the value of the coefficient.
If, for some reason, it is not possible to restore the KBM in this way, it is necessary to draw up and send a complaint to the PCA as a higher organization that controls the activities of insurance companies. To file a complaint on the fact of incorrect application of the bonus-malus coefficient, you must fill out an application to the Union, the template of which is located in the "Submit a complaint to the PCA" subsection, and attach copies of your passport and driver's license. When filing a complaint, it is mandatory to indicate:
- Surname, name and patronymic (in full);
- Date of birth (in full);
- Driver's license number.
If one of the documents is missing or the application is filled incorrectly, the complaint will not be considered. The document is sent by regular mail, presented in person or sent as a scanned copy to the email address of the Union. The term for consideration by the PCA of an application with a coefficient check on the base is 30 days.
After the restoration of the correct KBM, the data is updated in the AIS RSA and the calculation of the further discount is performed correctly. The refund of the overpayment under OSAGO policies is carried out through an appeal to the Central Bank: after confirming the overpayment, the insurer transfers the amount to the insured to the specified current account.
