RESTORATION OF KBM FOR OSAGO

When making a CTP, many drivers are faced with the problem of the absence of MSC, without which it is impossible to reduce the total cost of the insurance policy. However, such a procedure as the restoration of KMB for OSAGO, allows the driver to get certain benefits. PECULIARITIES AND CAUSES OF LOSSES Such indicator as KMB, or “Bonus-Malus Ratio”, is a way to reward drivers who do not admit an accident in the form of discounts to the cost of CTP insurance. If for a novice driver, KBM is equal to 1 or even more, then for a motorist with ten years of trouble-free driving, it is 0.5. Those. for OSAGO such a driver pays 2 times less. In some cases, car owners do not have the opportunity to confirm the right to receive a discount, as representatives of the insurance company cannot find information about their MSC. Continue reading →