The OSAGO KBM table was created to quickly determine the amount of the discount for OSAGO insurance, depending on the number of accidents due to the driver's fault during the period of validity of the last policy.

In accordance with the table, the driver is assigned one of 15 classes. Each class corresponds to a certain value of kbm-pro.ru. With primary insurance and a break of more than 12 months, this is 1, and in each subsequent year, the multiplier changes.

Since the discount percentages differ annually, the calculation of the auto citizenship with different drivers is different. The price is determined based on the bonus-malus (MBM) - the frequency of accidents in the insurance history of a particular driver. The calculation is carried out according to a single table. We will tell you how to read it and check the data with insurers.