FZ "About insurance" provides an opportunity to apply at the conclusion of the insurance contract additional reduction factor a bonus-Malus (MSC), which depends on the presence or absence of losses in the previous period of insurance. So, for each year of accident-free driving provides 5% discount, this discount is cumulative. In 2014, it is possible to use the maximum discount that will save you up to half the cost of the policy, calculated without discount.

In recent time, due to high loss ratio in insurance, trial practice, collecting fines, and the tightening of control by the Russian Union of Insurers, the insurance companies try not to apply discounts for break-even. In most cases, insurers refer to the absence of an automated information system (AIS RAMI) discount. Do if before the discounts the insurance applied "with" (was enough to show previous insurance policy), now it's much more difficult.

AIS RAMI is valid for a relatively short time (approximately from mid 2012 – early 2013) and many companies incorrectly discharged into the system data about the class of MSC, the presence or absence of accidents. Very often, clerical errors were made when entering information in the system will eventually cause the motorist to pay and be insured for 3rd class (MSC=1).

If You are faced with a similar situation, you should contact and enter into a contract of insurance in that company, which was insured previously. Remember that discounts for break-even are within a year after termination of the contract of insurance, and the cost of insurance CTP in all companies are the same, the force of law. As a confirmation of the discounts, You can contact your insurance company and request information about the presence or the absence of loss in the prescribed form (Annex 4 to the Regulations CTP). The information should be provided to You within 5 days from the date of application.

If the company denies You insurance or refuses to provide legitimate discounts should prepare a complaint to the Prosecutor's office, PCA and FSIS with reference to the violation of the norms of the current legislation on mandatory insurance.