KBM (КБМ) is the bonus-malus coefficient. It reflects how insurance claims under previous policies affect the price of a new policy.
Why KBM (КБМ) changes the price
When there have been no claim payments, the coefficient may decrease over time. Payments caused by the driver may increase it. KBM directly multiplies the other coefficients in the OSAGO (ОСАГО) formula.
Where to find your value
The totalosago.ru OSAGO (ОСАГО) calculator will not reconstruct insurance history or request identity documents. You enter a known KBM value that can be checked through the official NSIS service.
Avoid sharing driving licence details with third-party calculators unless you understand who collects the data and why.
Multiple drivers
For a named-driver policy, the current regulation defines how the applicable value is selected. The calculator applies the maximum KBM (КБМ) among all named drivers, as required by the current regulation.