BEHIND THE NUMBERS
How this calculation works
Worked example
Class 3 with no counted payments moves to class 4. KBM falls from 1.17 to 1, a conditional premium reduction of about 14.53%.
Example result: 1
Count events, not individual transfers
Several payments for the same insured event are treated as one event for the transition. The relevant count is the history recognised in the insurance system during the KBM period, rather than simply how many accidents occurred during a calendar year.
An improved class does not guarantee a cheaper quote
The base rate, territory, car and permitted drivers also affect OSAGO. This calculator isolates the bonus-malus effect so you can compare it with the complete premium calculation. A new driver with no system history starts at class 3 under the rule.
Assumptions and rounding
- The starting class is correct and each event is counted under the insurer/NSIS rules.
- Only the next annual KBM transition is projected.
Questions about this calculator
Is the projected class my official current class?
No. The official record is held in NSIS and applied by the insurer.
What happens after four or more claims?
The table uses a single 4+ column, leading to class M.
Can a claim-free driver improve beyond class 13?
No. Class 13 remains class 13 after a claim-free period.