The bonus-malus system is gradually changing the approach to insurance, allowing drivers without an accident to pay less for an obligatory insurance policy.. How does the bonus-malus system work? Bonus-malus is a coefficient that is set in motion during the expansion of the OSTPV policy.. If during the reporting period you were not at fault for an accident, the insurance company will reduce the tariff. The amount of the reduction is not universal and depends on the policy of a particular insurer and the client’s insurance report. For most drops, set up to 10% of the base value of the field. Now the system works in the opposite direction - the discovery of insurance claims due to the driver’s fault can lead to an increase in the price of the car. Why the system has not been put into practice for a long time Formally, the bonus-malus was transferred to Ukrainian legislation before, but was not actually stagnated en masse. The reason is the presence of an automated system for exchanging data between insurance companies. To confirm their accident-free record, drivers had to report to the Motor Transport Bureau of Ukraine for a special certificate. Due to complexity and bureaucracy, this procedure did not become popular. The situation changed with the update of the law “On OSCPV”, which gave rise to the digitalization of insurance processes and the automation of verification of insurance histories. Online verification of accident-free status: how it works at once Current online services allow you to verify your insurance history automatically. Zokrema, online insurance service hotline. finance by integrating failsafe verification without additional requests from the client. The mechanism is as follows: at the time of renewal of the policy, the system identifies the client using the IPN; The data is verified through the MTIBU database and the insurance company; In case of any insurance losses, the rate will be reduced. Read more here:  up to 10% reduction on a car with accident-free driving. The solution is being implemented in pilot mode together with the insurance company VUSO with further expanded distribution of partners. One of the key advantages of hotline. finance it is possible to combine a bonus for trouble-free driving with other promotional offers. For example, if a driver is entitled to a 10% reduction for accident-free experience and additionally uses a promo code for the service, the additional benefit can be close to 20%. Important nuances for drivers There are a number of points that you need to insure when unwrapping a book: Insuring less wine in case of an accident. If you are the injured party, it does not affect your insurance rating. The book is tied to a person, not a car. Changing a transport vehicle does not count toward bonus savings. Only for river fields. Short-term contracts do not take part in the system. Member categories can also receive a bonus. Due to the obvious benefit tariff, accident-free experience can further reduce the policy's value. In the area of \u200b\u200baccident safety, insurance companies analyze low other indicators: the number of insured objects, forward insurance losses, as well as power scoring models and coefficients. As a result, skin and water results in an individual price, and careful driving results not in the deprivation of food security, but in real savings.