Проверь КБМ и узнай цену ОСАГО

Fast and convenient check of KBM on the basis of PCA.

Find out what is your discount on the CTP policy.

Saves the data of the last five drivers, so you can check yours and loved ones at any time without having to enter everything again.

Also in this application you can immediately calculate the cost of the CTP policy and issue it.

What is KBM? This is the so-called bonus-malus ratio, which should encourage the driver to drive carefully. And here the term bonus means reward, and malus means punishment. This coefficient directly increases or decreases the cost of OSAGO insurance for the driver, since the price of the policy is multiplied by this number when calculating it.

According to the legislation, the MSC value can vary from 0.5 to 2.45. That is, for the same car and driver, the price of the CTP policy can differ by almost 5 times! This is why it is so important.

How is it calculated? When the driver receives a license, he is assigned a MSC = 1.0. That is, multiplying by 1, the policy price does not change. If the driver drives without accidents, then every year the MSC gradually decreases and in 10 years can reach 0.5. Thus, for such a driver, the price of the policy will be 2 times lower, all other things being equal.

If the driver commits an accident, then the coefficient rises sharply. Especially if there were several such accidents in a year. It is important to emphasize here that an increase in the driver's MSC occurs under two conditions: a) he is found to be the culprit of the accident; b) the insurance company has made payments to the injured party.

Be careful when entering driver data. For all drivers not found in the PCA database, MBM = 1.0 is returned. Therefore, any error in these rights will result in 1.0.