The cost of a motor citizen depends not so much on the vehicle model and engine size, but on the bonus-malus coefficient. It is he who plays a key role. At the same time, each driver has its own KMB, which in turn also has a strong influence on the calculation of OSAGO prices. If more than one driver is included in the insurance, then its cost may increase several times. In addition, not all ICs work honestly with their clients. Many use various fraudulent schemes to earn as much as possible.
But what does the bonus-malus coefficient depend on? It has a very complex structure, which includes several basic criteria. One of the main is the experience of driving. Let's look at how driving experience is considered for compulsory motor third-party liability insurance, so that each motorist can independently determine it.
general information
According to Russian law, it is strictly forbidden to drive a vehicle without insurance, and in the event of such a violation, a penalty is imposed. Therefore, many people are interested in the question of how driving experience is considered. But, before answering it, let's first look at the basic concepts and its impact on the cost of OSAGO.
As mentioned above, when calculating insurance, many indicators are taken into account. Among several factors, two are considered key, both of which are directly related to driving experience. The first one takes into account the total time during which a person drives the car, and the second - the presence or absence of traffic accidents, as well as whose fault caused the accident.
Price dependency on driving experience
This aspect should be given special significance. This article will tell you in detail about how to find out driving experience, but first you need to figure out why it is so important and what effect it has on a citizen.
KMB has four main meanings:
- The maximum is 1.8. Assigned to motorists under the age of 22 years, who recently bought a car and drove it for less than three years.
- The second is 1.7. Drivers with little experience who have reached 22 years of age get.
- The third is 1.6. People who continuously drive a car for 3 years or more, and also who at the time of the conclusion of the contract were not yet 22 years old, get it.
- The latter - 1. It is assigned to drivers who have reached the age of 23 years and have a continuous driving experience of 3 years.
Thus, it is easy to conclude that experienced car enthusiasts can save about 80% on their car insurance each year. However, an additional discount is possible, which accrues as accident-free driving. This is where the question becomes very relevant, how is driving experience considered. Indeed, the higher it is, the more profitable it is to use the services of insurance companies. You can learn more about this later.
Riding experience in calculating KMB
What you need to know about this? A trouble-free driving period is a trump card in the sleeve of every motorist, since driving safety greatly affects the cost of a motor citizen. If for about 10 years a person has never become the culprit of an accident, he will be able to get a significant discount from the insurance company and decently save on CTP.
It is important to understand that the same KMB can be assigned to drivers who have a different amount of time without accidents. In order to better understand the whole mechanism of work, you need to have an idea of ​​when the driving experience is considered. This algorithm will be described below, so you can figure it out.
Encouraging drivers to drive a vehicle without participating in an accident
When answering the question of how driving experience is considered, a trouble-free period will be taken into account. The only exceptions are those cases in which the other party was the culprit. At the conclusion of the contract, the insurance company assigns a special class to the motorist, which determines the size of KMB. The longer the accident-free riding experience, the niche it is. But if the owner of the car gets into an accident that happened through his fault, the class automatically decreases, and the cost of compulsory motor liability insurance increases.
Basic calculation rules
Let's dwell on this in more detail. So we came to the answer to the question of how the experience of driving is considered for insurance. The starting point is the date of issue of the driver’s license. At the first purchase, CTP insurance immediately determines it without much difficulty. After three years from the date of obtaining the driver’s rights, the class will automatically increase, and KMB will decrease, due to which, upon conclusion of the contract, a discount is given. At first glance, this seems simple and straightforward, however, there are many nuances here that need to be addressed in more detail.
Definition of seniority for pic
This indicator is indicated on the back of the plastic card. You can see it in the column under number 14. Even if the motorist had to replace the certificate for some reason, the indicator is saved and registered there. This is due to the fact that driving experience is considered from the moment the rights were granted. If the date of receipt was not indicated, then all calculations are carried out on the basis of the opening period of a certain category. Therefore, no ridiculous mistakes can be made.
Abandonment of FAC in case of deprivation of rights
So, we found out that the driving experience is considered from the moment of issuing the certificate to the owner of the car. However, it often happens that the driver was deprived of the right to drive a vehicle, as a result of which the experience was interrupted. What will happen in this case and will the KMB be preserved during the subsequent CTP? The current legislation does not say anything about this, so there will be no official interruption. At the same time, the reason why a person was deprived of rights does not matter at all. It will retain the accumulated accident-free driving experience, so the cost of a motor citizen will not increase.
Change of category
For each class of vehicles, its own MSC is calculated. When you open a new category on the certificate will be indicated the date of its assignment. Speaking in a simpler language, if you have accumulated 10 years of driving in a passenger car, and then got the category for driving trucks, then the FAC will not disappear.
How to find out experience without accidents?
So what do you need to know about this? A common situation is when the accident-free period calculated by the driver does not coincide with that voiced by an employee of the insurance company. This can happen for a variety of reasons. For example, the UK did not provide information in a single electronic register or the manager simply made a mistake.
Regardless of this, each driver has a desire to understand what happened. If you have internet at home, then this is very simple. You will only need to go to the AIS MTPL website, which is freely available. This online resource stores data for each issued insurance policy, starting in 2011.
If you do not know how driving experience is considered, and also do not have any idea about the algorithm for checking it, then here is a detailed instruction for you:
- Go to the official website of PCA.
- Fill out the online form with all the necessary information about the driver.
- Enter the date of assignment or allocation of KMB.
- Enter the verification code from the picture and send the request.
This will take a couple of minutes of your time, and after you do everything, the system will give you all the information for each previously purchased OSAGO policy. Thus, in just a few clicks, you can find out your real driving experience and calculate the discount that is put on your insurance. You can also contact the office of your IC, but their employees are reluctant to help customers, so the method described above will be more reliable and informative.
Interruption in driving
This aspect is worth exploring first. According to Russian law, if a vehicle owner has not acquired a car citizen for a year or more, then its class will be canceled, and the KBM will become equal to one. Thus, when buying insurance, you have to pay its full cost, which can be a very unpleasant surprise. Also, an interruption is the situation when the driver terminated the insurance contract earlier than the term specified in it or the entry was made during the period of its invalidity.
It is worth noting that the period of accident-free driving does not matter when registering a car citizen, which implies admission to the management of the vehicle of an unlimited number of persons, for example, on a corporate car. In this case, you do not have to worry about interruption.
General tips and tricks
This article described in detail how driving experience for OSAGO is considered. This is not a complicated process, so you can deal with it yourself. Insurance experts recommend that you calculate it in advance so that before you contact the UK you already know what discount you can count on. In addition, you can choose for yourself the most favorable type of policy. The thing is that sometimes it is preferable to get a citizen without restrictions, since it can cost much cheaper.
To simplify your task for calculating your experience, you can use the special calculator implemented on the PCA website. You will only need to enter all the necessary data and the system will automatically produce the result. Check your KMB every time before you go to the office of the insurance company. This will allow you to avoid many problems and unpleasant surprises, because insurance companies are interested not only in customer service, but also in increasing their own profits.
Conclusion
Summing up, it is worth noting that the safer you drive, the more profitable the insurance will be. Therefore, you should in every possible way avoid getting into an accident. However, compliance with the speed limit and other traffic rules affect not only the cost of OSAGO. Your life and those around you depend on it. And it is important to always remember. Never be in a hurry, be careful and once again give way to another driver or pedestrian and you can not only save on a motor citizen, but also, perhaps, save someone's life.