Every car owner is annually faced with the need to conclude a compulsory motor third party liability insurance (OSAGO) agreement. What to do if the insurance company refuses to provide a discount for accident-free driving?
The Federal Law "On OSAGO" provides for the possibility of applying an additional reducing bonus-malus coefficient (KBm) when concluding an insurance contract, which depends on the presence or absence of losses in the previous insurance periods. So, for each year of accident-free driving, a 5% discount is provided, while this discount is cumulative. In 2014, it is possible to apply the maximum discount, which will save up to half of the cost of the policy, calculated without taking into account the discount.
Recently, due to the high unprofitability of compulsory motor third party liability insurance, judicial practice on collecting fines, and tightening control by the Russian Union of Auto Insurers, insurance companies are trying not to apply break-even discounts. In most cases, insurers refer to the lack of information on discounts in the automated information system (AIS PCA). Indeed, if earlier the agents of insurance companies used discounts "according to words" (it was enough just to show the previous OSAGO policy), now everything is much more complicated.
AIS RSA has been operating for a relatively short time (approximately from mid-2012 - early 2013) and many companies incorrectly upload data on the KBM class, the presence or absence of accidents into this system. Very often, technical errors made when entering information into the system ultimately lead to the fact that the car owner has to overpay and insure for class 3 (Kbm = 1).
If you are faced with a similar situation, then you should contact and conclude an insurance contract with the company in which you were previously insured. Remember that break-even discounts are valid for a year after the end of the insurance contract, and the cost of OSAGO insurance in all companies is the same by virtue of the law. As a confirmation of the discount, you can contact your insurance company and request information about the presence or absence of losses in the prescribed form (Appendix 4 to the OSAGO Rules). The specified information must be provided to you within 5 days from the date of application.
If the company refuses to insure you or refuses to provide you with a legal discount, you should prepare a complaint to the prosecutor's office, the PCA and the Federal Service for Supervision Service, indicating a violation of the current legislation on compulsory insurance.