{"id":277,"date":"2024-02-15T13:42:01","date_gmt":"2024-02-15T13:42:01","guid":{"rendered":"https:\/\/www.manapolise.lv\/blogs\/?p=277"},"modified":"2025-03-13T08:18:11","modified_gmt":"2025-03-13T08:18:11","slug":"bonus-malus-klase","status":"publish","type":"post","link":"https:\/\/www.manapolise.lv\/blogs\/bonus-malus-klase\/","title":{"rendered":"Kas ir Bonus Malus klase un k\u0101 t\u0101 tiek noteikta?"},"content":{"rendered":"\n<p><strong>Ikviens auto \u012bpa\u0161nieks ir inform\u0113ts, kas ir transportl\u012bdzek\u013ca civiltiesisk\u0101 apdro\u0161in\u0101\u0161ana (OCTA) un, ka t\u0101 ir oblig\u0101ti nepiecie\u0161ama, lai piedal\u012btos ce\u013cu satiksm\u0113. Ta\u010du tikai da\u013ca transportl\u012bdzek\u013cu vad\u012bt\u0101ju ir zino\u0161a par Bonus Malus riska kla\u0161u sist\u0113mu.&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>Bonus Malus sist\u0113ma Latvij\u0101 nav jaunums, ta\u010du v\u0113l joproj\u0101m daudziem autovad\u012bt\u0101jiem nav \u012bsti skaidrs, k\u0101 t\u0101 darbojas un k\u0101 noskaidrot, kura Bonus Malus klase ir pie\u0161\u0137irta. Zin\u0101ms ir vien tas, ka ar Bonus Malus klasi tiek ietekm\u0113ta katra sp\u0113krata OCTA polises cena un, jo priek\u0161z\u012bm\u012bg\u0101ka v\u0113sture uz ce\u013ca ir \u0161oferim, jo izdev\u012bg\u0101ku OCTA polises cenu pied\u0101v\u0101 apdro\u0161in\u0101t\u0101js.<\/strong><\/p>\n\n\n\n<p><strong>Apskat\u012bsim, k\u0101 darbojas Bonus Malus sist\u0113ma, k\u0101 t\u0101 tiek noteikta un k\u0101 ietekm\u0113 OCTA polises cenu.<\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kas ir Bonus Malus Klase?<\/strong><\/h2>\n\n\n\n<p>Bonus Malus (BM klase) ir transportl\u012bdzek\u013ca \u012bpa\u0161nieka apdro\u0161in\u0101\u0161anas risku vienot\u0101 izv\u0113rt\u0113\u0161anas sist\u0113ma. P\u0113c \u0161\u012bs sist\u0113mas vad\u0101s visas apdro\u0161in\u0101\u0161anas sabiedr\u012bbas, apr\u0113\u0137inot atlaides vai piemaksas OCTA polisei. Bonus-malus (atlaides vai piemaksas) sist\u0113ma sast\u0101v no 17 riska klas\u0113m, kas nosaka atlaidi vai piemaksu, sl\u0113dzot apdro\u0161in\u0101\u0161anas l\u012bgumu.<\/p>\n\n\n\n<p>Riska klases tiek iedal\u012btas sekojo\u0161i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Malus klase<\/strong> &#8211; apdro\u0161in\u0101\u0161anas riska palielin\u0101jums (no 1. &#8211; 5. Bonus Malus klasei);<\/li>\n\n\n\n<li><strong>Jaunsl\u0113guma Bonus Malus klase<\/strong> (6. Bonus Malus klase) \u2013 klase bez noteikta riska, kuru piem\u0113ro BM subjektam, ja apdro\u0161in\u0101\u0161anas l\u012bgumu attiec\u012bb\u0101 uz konkr\u0113tu transportl\u012bdzek\u013cu BM grupas transportl\u012bdzekli sl\u0113dz pirmo reizi. Citiem v\u0101rdiem, pirmo reizi p\u0113rkot OCTA, attiec\u012bg\u0101s kategorijas transportl\u012bdzeklim tiek pie\u0161\u0137irta 6. Bonus Malus klase.&nbsp;<\/li>\n\n\n\n<li><strong>Bonus klase<\/strong> &#8211; apdro\u0161in\u0101\u0161anas riska samazin\u0101jums (no 6. &#8211; 17. Bonus Malus klasei).<\/li>\n<\/ul>\n\n\n\n<p>Nereti autovad\u012bt\u0101ji uzskata, ka Bonus Malus klasi pie\u0161\u0137ir pa\u0161ai automa\u0161\u012bnai, ta\u010du t\u0101 nav &#8211; riska klase tiek apr\u0113\u0137in\u0101ta transportl\u012bdzek\u013ca \u012bpa\u0161niekam (fiziskai vai juridiskai personai) vai atsevi\u0161\u0137os gad\u012bjumos transportl\u012bdzek\u013ca tur\u0113t\u0101jam (piem\u0113ram, fiziskai vai juridiskai personai auto l\u012bzinga gad\u012bjum\u0101) neatkar\u012bgi no apdro\u0161in\u0101t\u0101ja, pie kura tiek sl\u0113gts apdro\u0161in\u0101\u0161anas l\u012bgums.&nbsp;<\/p>\n\n\n\n<p>Da\u017ereiz mainoties Bonus Malus klasei, auto \u012bpa\u0161nieki cer uz izdev\u012bg\u0101kiem <a href=\"https:\/\/www.manapolise.lv\/lv\/\" target=\"_blank\" rel=\"noreferrer noopener\">OCTA polises cenas<\/a> nosac\u012bjumiem pie cita apdro\u0161in\u0101t\u0101ja. Lai gan nianses var at\u0161\u0137irties, ir j\u0101patur pr\u0101t\u0101, ka apdro\u0161in\u0101t\u0101ji vad\u0101s p\u0113c vienotas sist\u0113mas un Bonus Malus datiem, nosakot konkr\u0113t\u0101s OCTA polises cenu katram auto tur\u0113t\u0101jam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>K\u0101 tiek noteikta Bonus Malus klase?<\/strong><\/h2>\n\n\n\n<p>Bonus Malus klase attiecas tikai uz Latvij\u0101 re\u0123istr\u0113tiem transportl\u012bdzek\u013ciem. T\u0101 tiek apr\u0113\u0137in\u0101ta katru gadu par periodu no 1. septembra l\u012bdz n\u0101kam\u0101 gada 31. augustam un tiek p\u0101rskat\u012bta katra gada 15. septembr\u012b.<\/p>\n\n\n\n<p>Katra transportl\u012bdzek\u013ca \u012bpa\u0161nieka s\u0101kuma Bonus Malus klase ir 6. jeb Jaunsl\u0113guma BM klase. T\u0101l\u0101k attiec\u012bgi katru gadu auto \u012bpa\u0161nieks tiek izv\u0113rt\u0113ts, un vi\u0146a klase vai nu tiek palielin\u0101ta vai samazin\u0101ta.<\/p>\n\n\n\n<p>Ja gada laik\u0101 ir ticis pie\u0146emts l\u0113mums par zaud\u0113jumu atl\u012bdzin\u0101\u0161anu saist\u012bb\u0101 ar iest\u0101ju\u0161os apdro\u0161in\u0101\u0161anas gad\u012bjumu jeb ce\u013cu satiksmes negad\u012bjumu, kur\u0101 ir atbild\u012bgs autovad\u012bt\u0101jam piedero\u0161ais transportl\u012bdzeklis, Bonus Malus klase tiks samazin\u0101ta. Bonus Malus klases samazin\u0101juma apjoms atkar\u012bgs no \u0161\u0101du apdro\u0161in\u0101\u0161anas gad\u012bjumu jeb ce\u013cu satiksmes negad\u012bjumu skaita:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Par 1 apdro\u0161in\u0101\u0161anas gad\u012bjumu BM klasi samazina par 30%, bet ne zem\u0101k par 1. klasi;<\/li>\n\n\n\n<li>Par 2 apdro\u0161in\u0101\u0161anas gad\u012bjumiem BM klasi samazina par 50%, bet ne zem\u0101k par 1. klasi;<\/li>\n\n\n\n<li>Par 3 apdro\u0161in\u0101\u0161anas gad\u012bjumiem BM klasi samazina par 80%, bet ne zem\u0101k par 1. klasi.<\/li>\n\n\n\n<li>Par 4 un vair\u0101k apdro\u0161in\u0101\u0161anas gad\u012bjumiem pie\u0161\u0137ir 1. jeb visaugst\u0101ko riska klasi.<\/li>\n<\/ul>\n\n\n\n<p>Lai transportl\u012bdzek\u013ca \u012bpa\u0161nieks ieg\u016btu n\u0101kamo augst\u0101ko BM klasi, OCTA polisei j\u0101b\u016bt sp\u0113k\u0101 eso\u0161ai vismaz 275 dienas viena gada laik\u0101. Ja apdro\u0161in\u0101\u0161anas dienu skaits nesasniedz 275 dienas, tad BM klase netiek palielin\u0101ta, ta\u010du apdro\u0161in\u0101jum\u0101 eso\u0161\u0101s dienas turpina uzkr\u0101ties n\u0101kamaj\u0101 period\u0101.<\/p>\n\n\n\n<p>Bonus Malus klasi p\u0101rskata, \u0146emot v\u0113r\u0101 11 iepriek\u0161\u0113jos apdro\u0161in\u0101\u0161anas periodus. Respekt\u012bvi, augst\u0101ko &#8211; 17. riska klasi auto \u012bpa\u0161nieks var ieg\u016bt, ja OCTA ieg\u0101d\u0101ta 11 gadu garum\u0101 p\u0113c k\u0101rtas un nav bijis ce\u013cu satiksmes negad\u012bjumu ar apdro\u0161in\u0101\u0161anas gad\u012bjuma iest\u0101\u0161anos.<\/p>\n\n\n\n<p>Ce\u013cu satiksmes noteikumu p\u0101rk\u0101pumi un soda punkti neietekm\u0113 BM klasi. To ietekm\u0113 tikai ce\u013cu satiksmes negad\u012bjumi, kuros ir iest\u0101jies apdro\u0161in\u0101\u0161anas gad\u012bjums un kuros autovad\u012bt\u0101js ir atz\u012bts par vain\u012bgu, neskatoties uz to, vai ir ticis rakst\u012bts <a href=\"https:\/\/www.autodna.lv\/blog\/saskanotais-pazinojums\/\" target=\"_blank\" rel=\"noreferrer noopener\">saska\u0146otais pazi\u0146ojums<\/a> vai ir saukta Ce\u013cu policija.<\/p>\n\n\n\n<p>Ja esat cietus\u012b puse, kura nav atz\u012bta par vain\u012bgu ce\u013cu satiksmes negad\u012bjum\u0101, tad Bonus Malus klase netiek ietekm\u0113ta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>K\u0101 Bonus Malus klase ietekm\u0113 OCTA polises cenu?<\/strong><\/h2>\n\n\n\n<p>Bonus Malus klase tie\u0161\u0101 veid\u0101 ietekm\u0113 OCTA cenu. Ja auto \u012bpa\u0161nieks ir ierindots no 1. l\u012bdz 5. Bonus Malus klasei, tad, <a href=\"https:\/\/www.manapolise.lv\/lv\/ka-pirkt-octa\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u0113rkot OCTA<\/a>, \u012bpa\u0161niekam tiek piem\u0113rotas piemaksas, bet ja auto \u012bpa\u0161nieks ie\u0146em riska klasi no 7. l\u012bdz 17., tad auto \u012bpa\u0161nieks sa\u0146em atlaides. 6. BM klases \u012bpa\u0161niekiem attiec\u012bgaj\u0101 transportl\u012bdzek\u013cu kategorij\u0101 netiks piem\u0113rotas ne piemaksas, ne atlaides.\u00a0<\/p>\n\n\n\n<p>Ja vienam \u012bpa\u0161niekam pieder vair\u0101ki t\u0101s pa\u0161as kategorijas transportl\u012bdzek\u013ci, tad viena un t\u0101 pati Bonus Malus klase tiek pie\u0161\u0137irta visiem automobi\u013ciem. Ar\u012b nomainot auto, pie\u0161\u0137irt\u0101 BM klase nemain\u0101s, jo, k\u0101 jau iepriek\u0161 min\u0113ts, t\u0101 tiek pie\u0161\u0137irta sp\u0113krata \u012bpa\u0161niekam, nevis pa\u0161am transportl\u012bdzeklim.<\/p>\n\n\n\n<p>J\u0101atceras, ka Bonus Malus klase nav vien\u012bgais faktors, kas ietekm\u0113 OCTA polises cenu. Izmaksas tiek apr\u0113\u0137in\u0101tas, balstoties uz izv\u0113l\u0113to apdro\u0161in\u0101\u0161anas periodu (1, 3, 6, 9 vai 12 m\u0113ne\u0161i), transportl\u012bdzek\u013ca pilnu masu, k\u0101 ar\u012b t\u0101 re\u0123istr\u0101cijas vietu un izmanto\u0161anas veidu.<\/p>\n\n\n\n<p>Jaut\u0101jums ir, vai ar BM klasi <a href=\"https:\/\/www.manapolise.lv\/lv\/kasko\/\" target=\"_blank\" rel=\"noreferrer noopener\">KASKO apdro\u0161in\u0101\u0161anas polise<\/a> un t\u0101s cena ar\u012b tiek ietekm\u0113ta? KASKO ir br\u012bvpr\u0101t\u012bg\u0101 sauszemes transportl\u012bdzek\u013cu apdro\u0161in\u0101\u0161ana, kas paredz kompens\u0113t zaud\u0113jumus transportl\u012bdzek\u013ca boj\u0101jumu, z\u0101dz\u012bbas vai laup\u012b\u0161anas gad\u012bjum\u0101. At\u0161\u0137ir\u012bb\u0101 no OCTA, zaud\u0113jumi tiks kompens\u0113ti ar\u012b gad\u012bjumos, kad vain\u012bg\u0101 persona b\u016bs apdro\u0161in\u0101\u0161anas \u0146\u0113m\u0113js (transportl\u012bdzek\u013ca vad\u012bt\u0101js).<\/p>\n\n\n\n<p>Ta\u010du j\u0101\u0146em v\u0113r\u0101, ka katrs apdro\u0161in\u0101t\u0101js, nosakot konkr\u0113t\u0101s KASKO polises cenu, skat\u012bsies uz pieteikto apdro\u0161in\u0101\u0161anas atl\u012bdz\u012bbas gad\u012bjumu v\u0113sturi pie konkr\u0113t\u0101 apdro\u0161in\u0101t\u0101ja, auto vad\u012bt\u0101ja Bonus Malus klasi un noteiks polises cenu individu\u0101li, p\u0113c saviem krit\u0113rijiem. T\u0101d\u0113\u013c atbilde ir &#8211; j\u0101, Bonus Malus klase var ietekm\u0113t ar\u012b KASKO apdro\u0161in\u0101\u0161anas cenu.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>K\u0101 uztur\u0113t labu Bonus Malus klasi?<\/strong><\/h2>\n\n\n\n<p>Viens no aktu\u0101l\u0101kajiem jaut\u0101jumiem, kas nodarbina auto \u012bpa\u0161nieku pr\u0101tus, ir k\u0101 uztur\u0113t labu Bonus Malus klasi. Viens no ieteikumiem, viennoz\u012bm\u012bgi, ir: pa\u0161iem b\u016bt atbild\u012bgiem un uzman\u012bgiem pie auto st\u016bres, nep\u0101rk\u0101pt ce\u013cu satiksmes noteikumus un lieki nerisk\u0113t ar p\u0101rgalv\u012bgiem manevriem. Dro\u0161a brauk\u0161ana ir b\u016btiska ne tikai pa\u0161a transportl\u012bdzek\u013ca vad\u012bt\u0101ja un apk\u0101rt\u0113jo cilv\u0113ku vesel\u012bbai un dz\u012bv\u012bbai, bet, k\u0101 noskaidroj\u0101m, t\u0101 ietekm\u0113 ar\u012b automa\u0161\u012bnas uztur\u0113\u0161anas izmaksas.&nbsp;<\/p>\n\n\n\n<p>Svar\u012bgi atcer\u0113ties, ka Bonus Malus klase tiks ietekm\u0113ta, neskatoties uz to, cik liels vai mazs ir bijis izrais\u012btais <a href=\"https:\/\/www.manapolise.lv\/blogs\/celu-satiksmes-negadijumi\/\" target=\"_blank\" rel=\"noreferrer noopener\">ce\u013cu satiksmes negad\u012bjums<\/a>. Tas noz\u012bme, ka, pat ja apdro\u0161in\u0101\u0161anas gad\u012bjums ir iest\u0101jies par nelielu sadursmi iepirk\u0161an\u0101s centra st\u0101vviet\u0101, Bonus Malus klase attiec\u012bg\u0101s kategorijas transportl\u012bdzeklim tiks samazin\u0101ta.<\/p>\n\n\n\n<p>Turkl\u0101t, ja B kategorijas automa\u0161\u012bna ir re\u0123istr\u0113ta uz vienas personas v\u0101rda, bet praktiski ar auto brauc cita persona, kas izraisa ce\u013cu satiksmes negad\u012bjumu, tad Bonus Malus klase tiks main\u012bta transportl\u012bdzek\u013ca \u012bpa\u0161niekam.&nbsp;<\/p>\n\n\n\n<center><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/rCvGYtKtB5I?si=jSEQziuYkXhfixzr\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/center>\n","protected":false},"excerpt":{"rendered":"<p>Ikviens auto \u012bpa\u0161nieks ir inform\u0113ts, kas ir transportl\u012bdzek\u013ca civiltiesisk\u0101 apdro\u0161in\u0101\u0161ana (OCTA) un, ka t\u0101 ir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":281,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-octa-apdrosinasana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Viss svar\u012bg\u0101kais par Bonus Malus klasi<\/title>\n<meta name=\"description\" content=\"K\u0101 Bonus Malus klase ietekm\u0113 apdro\u0161in\u0101\u0161anas pr\u0113mijas un k\u0101 t\u0101 tiek noteikta? 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