{"id":163,"date":"2023-07-15T13:28:41","date_gmt":"2023-07-15T13:28:41","guid":{"rendered":"http:\/\/www.octas.lv\/blog\/?p=163"},"modified":"2025-03-20T11:00:56","modified_gmt":"2025-03-20T11:00:56","slug":"kas-ir-bonus-malus-klase-un-ka-ta-veidojas","status":"publish","type":"post","link":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/","title":{"rendered":"Kas ir Bonus Malus klase, un k\u0101 t\u0101 veidojas?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">K\u0101 2018. gad\u0101 veiktaj\u0101 aptauj\u0101 atkl\u0101ja Latvijas Transportl\u012bdzek\u013cu apdro\u0161in\u0101t\u0101ju birojs (LTAB), transportl\u012bdzek\u013cu \u012bpa\u0161nieku izpratne par Bonus-Malus klas\u0113m un sist\u0113mu kopum\u0101 ir nepiln\u012bga. Ta\u010du par to vajadz\u0113tu zin\u0101t ikvienam transportl\u012bdzek\u013ca tur\u0113t\u0101jam vai \u012bpa\u0161niekam, jo t\u0101 liel\u0101 m\u0113r\u0101 ietekm\u0113 OCTA apdro\u0161in\u0101\u0161anas polises cenas apr\u0113\u0137inu.<\/span><\/p>\n<p><strong>Ja ar\u012b Tu neesi p\u0101rliecin\u0101ts, ka zini visu svar\u012bg\u0101ko par Bonus-Malus, iel\u016bkojies \u0161\u012b raksta turpin\u0101jum\u0101, lai rastu atbildes uz sev neskaidrajiem jaut\u0101jumiem.\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Kas j\u0101zina par Bonus Malus klasi?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><strong>Izprotot Bonus Malus sist\u0113mas principus, b\u016bs viegl\u0101k saprast ar\u012b, k\u0101 veidojas un main\u0101s OCTA polises cena<\/strong>, k\u0101di pamatprincipi j\u0101iev\u0113ro, lai uzlabotu savu Bonus Malus klasi, un k\u0101d\u0113\u013c tas ir tik svar\u012bgi.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><center><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1467\" src=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/Bonus-Malus-klase-un-tas-noteiksanas-kriteriji.png\" alt=\"Bonus Malus klase un ta\u0304s noteiks\u030canas krite\u0304riji\" width=\"1229\" height=\"676\" srcset=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/Bonus-Malus-klase-un-tas-noteiksanas-kriteriji.png 1229w, https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/Bonus-Malus-klase-un-tas-noteiksanas-kriteriji-300x165.png 300w, https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/Bonus-Malus-klase-un-tas-noteiksanas-kriteriji-1024x563.png 1024w, https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/Bonus-Malus-klase-un-tas-noteiksanas-kriteriji-768x422.png 768w\" sizes=\"auto, (max-width: 1229px) 100vw, 1229px\" \/><\/center><\/p>\n<p style=\"text-align: center;\">Avots: lvportals.lv<\/p>\n<h2><b>Kas ir Bonus-Malus sist\u0113ma?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Bonus-Malus sist\u0113ma tika izveidota 2006. gad\u0101. <strong>T\u0101s m\u0113r\u0137is ir vienots princips, p\u0113c kura vienk\u0101r\u0161\u0101k b\u016btu iesp\u0113jams izv\u0113rt\u0113t augst\u0101kas un zem\u0101kas riska pak\u0101pes \u0161oferus un objekt\u012bvi noteikt OCTA poli\u0161u cenas.\u00a0<\/strong><\/span><\/p>\n<p><strong>Izv\u0113rt\u0113\u0161anas proces\u0101 tiek \u0146emts v\u0113r\u0101 personas izrais\u012bto ce\u013cu satiksmes negad\u012bjumu<\/strong><span style=\"font-weight: 400;\"><strong> skaits, k\u0101 ar\u012b apdro\u0161in\u0101\u0161anas dienu skaits konkr\u0113t\u0101 period\u0101.<\/strong> Visi Bonus-Malus sist\u0113mas dal\u012bbnieki ir apkopoti vienot\u0101 datub\u0101z\u0113 &#8211; t\u0101tad Bonus &#8211; Malus sist\u0113m\u0101 ir ietverti visi autovad\u012bt\u0101ji, un inform\u0101cija par vi\u0146iem atrodas vienotaj\u0101 datub\u0101z\u0113.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pats sist\u0113mas nosaukums Bonus &#8211; Malus aizg\u016bts no lat\u012b\u0146u valodas, kur Bonus noz\u012bm\u0113 labs, savuk\u0101rt Malus &#8211; slikts.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Kas ir Bonus &#8211;\u00a0 Malus subjekts?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Lai b\u016btu viegl\u0101k izprast Bonus &#8211; Malus sist\u0113mu, svar\u012bgs ir ar\u012b t\u0101ds j\u0113dziens k\u0101 Bonus &#8211; Malus subjekts.\u00a0<\/span><\/p>\n<p><strong>Bonus &#8211; Malus subjekts ir persona, attiec\u012bb\u0101 uz kuru tiek v\u0113rt\u0113ta un r\u0113\u0137in\u0101ta Bonus &#8211; Malus klase.\u00a0<\/strong><\/p>\n<p><b>Svar\u012bgi atcer\u0113ties, ka klasi pie\u0161\u0137ir nevis transportl\u012bdzeklim, bet gan juridiskai vai fiziskai personai<\/b><span style=\"font-weight: 400;\">. \u0160\u012b persona var b\u016bt <\/span><span style=\"color: #008000;\"><a style=\"color: #008000;\" href=\"https:\/\/www.octas.lv\/blog\/kas-tev-jazina-par-octa-mainoties-auto-ipasniekam\/\" target=\"_blank\" rel=\"noopener\"><b>transportl\u012bdzek\u013ca \u012bpa\u0161nieks<\/b><\/a><\/span><span style=\"font-weight: 400;\"> vai tur\u0113t\u0101js. T\u0101tad Bonus &#8211; Malus klase tiek izv\u0113rt\u0113ta un pie\u0161\u0137irta nevis transportl\u012bdzeklim, bet gan autovad\u012bt\u0101jam. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Te gan j\u0101atceras &#8211; dodot saviem tuviniekiem, draugiem vai k\u0101dai citai personai braukt ar savu auto, Tev j\u0101b\u016bt uzman\u012bgam, jo, <\/span><b>ja \u0161is cilv\u0113ks izrais\u012bs ce\u013cu satiksmes negad\u012bjumu, ciet\u012bs nevis vi\u0146a, bet Tava <\/b><span style=\"color: #008000;\"><a style=\"color: #008000;\" href=\"https:\/\/lvportals.lv\/skaidrojumi\/257773-bonus-malus-klase-un-tas-noteiksanas-kriteriji-2013\" target=\"_blank\" rel=\"noopener\"><b>Bonus-Malus klase<\/b><\/a><\/span><b>.\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\"><strong>Bonus &#8211; Malus subjekts var b\u016bt<\/strong>:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Transportl\u012bdzek\u013ca re\u0123istr\u0113tais \u012bpa\u0161nieks, ja CSDD re\u0123istr\u0101 vai Valsts tehnisk\u0101s uzraudz\u012bbas a\u0123ent\u016bras Traktortehnikas un t\u0101s vad\u012bt\u0101ju informat\u012bvaj\u0101 sist\u0113m\u0101\u00a0nav nor\u0101d\u012bts tur\u0113t\u0101js;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">transportl\u012bdzek\u013ca re\u0123istr\u0113tais \u012bpa\u0161nieks, ja \u012bpa\u0161nieks ir fiziska persona un, ja CSDD valsts re\u0123istr\u0101 vai VTUA informat\u012bvaj\u0101 sist\u0113m\u0101 nor\u0101d\u012btais tur\u0113t\u0101js ir fiziska persona;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">CSDD valsts re\u0123istr\u0101 vai VTUA informat\u012bvaj\u0101 sist\u0113m\u0101 nor\u0101d\u012btais tur\u0113t\u0101js (neatkar\u012bgi no t\u0101, vai tur\u0113t\u0101js ir juridiska vai fiziska persona), ja transportl\u012bdzek\u013ca \u012bpa\u0161nieks ir juridiska persona;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">CSDD valsts re\u0123istr\u0101 vai VTUA informat\u012bvaj\u0101 sist\u0113m\u0101 nor\u0101d\u012btais tur\u0113t\u0101js, ja tur\u0113t\u0101js ir juridiska persona un transportl\u012bdzek\u013ca \u012bpa\u0161nieks ir fiziska persona<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Bonus Malus klases<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><center><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-791\" src=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/klas\u030cu-iedali\u0304jums-300x200.jpg\" alt=\"klas\u030cu iedali\u0304jums\" width=\"665\" height=\"443\" srcset=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/klas\u030cu-iedali\u0304jums-300x200.jpg 300w, https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/klas\u030cu-iedali\u0304jums.jpg 500w\" sizes=\"auto, (max-width: 665px) 100vw, 665px\" \/><\/center>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\"><strong>Bonus-Malus sist\u0113m\u0101 ir 17 klases:<\/strong>\u00a0<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>1. l\u012bdz 5. Bonus-Malus sist\u0113mas klase tiek saukta par paaugstin\u0101ta riska klasi<\/strong> (Malus klasi), kuras pie\u0161\u0137ir \u0161oferiem, kas bie\u017e\u0101k izraisa negad\u012bjumus. Autovad\u012bt\u0101jiem, kas ir \u0161aj\u0101 klas\u0113, attiec\u012bgi ar\u012b j\u0101r\u0113\u0137in\u0101s ar augst\u0101k\u0101m OCTA polises cen\u0101m;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>6. klasi sauc par s\u0101kuma klasi<\/strong>, <strong>kurai nav konkr\u0113tas riska kategorijas<\/strong>, jo to pie\u0161\u0137ir personai, kad t\u0101 pirmo reizi ieg\u0101d\u0101jas OCTA apdro\u0161in\u0101\u0161anu transportl\u012bdzeklim. \u0160aj\u0101 gad\u012bjum\u0101 OCTA polises cena nav ne paaugstin\u0101ta, ne samazin\u0101ta. T\u0101tad &#8211; 6. Bonus &#8211; Malus klase ir t\u0101ds k\u0101 atskaites punkts;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>7. l\u012bdz 17. Bonus-Malus klasi d\u0113v\u0113 par pazemin\u0101ta riska Bonus klasi<\/strong>, ko pie\u0161\u0137ir tiem autovad\u012bt\u0101jiem, kam regul\u0101ri ieg\u0101d\u0101ta <\/span><span style=\"color: #008000;\"><a style=\"color: #008000;\" href=\"https:\/\/www.octas.lv\/lv\/\" target=\"_blank\" rel=\"noopener\"><b>OCTAS apdro\u0161in\u0101\u0161ana<\/b><\/a><\/span><span style=\"font-weight: 400;\">, k\u0101 ar\u012b nav izrais\u012btu av\u0101riju. \u0160\u012bs kategorijas autovad\u012bt\u0101jiem OCTA polises cenas b\u016bs zem\u0101kas.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ja p\u0101rskata period\u0101 izrais\u012bta viena av\u0101rija, Tava Bonus-Malus klase tiek samazin\u0101ta par 30%, ja divas \u2013 par 50%, ja tr\u012bs \u2013 par 80% savuk\u0101rt, ja esi bijis vain\u012bgs \u010detros un vair\u0101k negad\u012bjumos, Tev uzreiz tiek pie\u0161\u0137irta 1. klase.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Vai un k\u0101 laika gait\u0101 main\u0101s personai pie\u0161\u0137irt\u0101 Bonus-Malus klase?<\/b><\/h2>\n<p><b>Ja persona maina apdro\u0161in\u0101\u0161anas komp\u0101niju, vi\u0146ai pie\u0161\u0137irt\u0101 Bonus-Malus klase nemain\u0101s<\/b><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Konkr\u0113t\u0101 klase tiek pie\u0161\u0137irta uz vienu gadu \u2013 \u0161is periods ir\u00a0 no 31. augusta, l\u012bdz n\u0101kam\u0101 gada 15. septembrim<\/strong>, kad visiem transportl\u012bdzek\u013cu tur\u0113t\u0101jiem\/\u012bpa\u0161niekiem \u0161\u012bs klases tiek p\u0101rr\u0113\u0137in\u0101tas. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Tas noz\u012bm\u0113, ka reizi gad\u0101 \u2013 15. septembr\u012b, kad tiek p\u0101rr\u0113\u0137in\u0101tas klases, personai pie\u0161\u0137irt\u0101 Bonus- Malus klase var paaugstin\u0101ties vai ar\u012b pazemin\u0101ties<\/strong> &#8211; atkar\u012bb\u0101 no p\u0101rk\u0101pumu skaita konkr\u0113taj\u0101 p\u0101rskata period\u0101, k\u0101 ar\u012b da\u017eiem citiem aspektiem.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Saprotams, ka ikviens autovad\u012bt\u0101js v\u0113las, lai laika gait\u0101 vi\u0146am pie\u0161\u0137irt\u0101 klase tiktu paaugstin\u0101ta.\u00a0 <\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\"><strong>Te j\u0101saprot, k\u0101di faktori tiek \u0146emti v\u0113r\u0101, p\u0101rr\u0113\u0137inot Bonus &#8211; Malus klasi<\/strong>:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Apdro\u0161in\u0101\u0161anas dienu skaits konkr\u0113taj\u0101 period\u0101<\/strong> &#8211; lai var\u0113tu pie\u0161\u0137irt augst\u0101ku Bonus &#8211; Malus klasi, OCTA polisei j\u0101b\u016bt sp\u0113k\u0101 vismaz 275 dienas gad\u0101;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Apdro\u0161in\u0101\u0161anas gad\u012bjumu skaits<\/strong> &#8211; apr\u0113\u0137inot Bonus &#8211; Malus klasi, v\u0113r\u0101 tiek \u0146emts ar\u012b konkr\u0113taj\u0101 period\u0101 sp\u0113k\u0101 eso\u0161o apdro\u0161in\u0101\u0161anas gad\u012bjumu skaits. Tiem autovad\u012bt\u0101jiem, kas izrais\u012bju\u0161i ce\u013cu satiksmes negad\u012bjumu, n\u0101kamaj\u0101 period\u0101 j\u0101r\u0113\u0137in\u0101s ar augst\u0101ku OCTA polises cenu;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>OCTA polises izmanto\u0161anas laiks<\/strong> &#8211; v\u0113rt\u0113ts tiek ar\u012b tas, cik ilgi autovad\u012bt\u0101js jau izmanto auto apdro\u0161in\u0101\u0161anu. Apr\u0113\u0137inot Bonus &#8211; Malus klasi v\u0113r\u0101 tiek \u0146emta autovad\u012bt\u0101ja apdro\u0161in\u0101\u0161anas v\u0113sture beidzamo 11 gadu laik\u0101\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">T\u0101tad, lai paaugstin\u0101tu Bonus &#8211; Malus klasi, uz ce\u013ca j\u0101b\u016bt uzman\u012bgam, neizraisot <a href=\"https:\/\/www.octas.lv\/blog\/celu-satiksmes-negadijumi\/\" target=\"_blank\" rel=\"noopener\">ce\u013cu satiksmes negad\u012bjumus<\/a>. T\u0101pat svar\u012bgi ar\u012b, lai regul\u0101ri tiek atjaunota OCTA polise.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>K\u0101 uzzin\u0101t savu bonus malus klasi?<\/h2>\n<p><span style=\"font-weight: 400;\">Sev pie\u0161\u0137irto Bonus &#8211; Malus klasi \u0101tri un \u0113rti vari uzzin\u0101t Latvijas Transportl\u012bdzek\u013cu apdro\u0161in\u0101t\u0101ju biroja interneta vietn\u0113 <span style=\"color: #008000;\"><a style=\"color: #008000;\" href=\"https:\/\/www.ltab.lv\/\" target=\"_blank\" rel=\"noopener\"><strong>ltab.lv<\/strong><\/a><\/span> &#8211; izmantojot k\u0101du no pieejam\u0101m autentifik\u0101cijas iesp\u0113j\u0101m &#8211; eID, e-parakstu, internetbanku.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ar k\u0101d\u0101m OCTA polises cenu izmai\u0146\u0101m j\u0101r\u0113\u0137in\u0101s, mainoties Bonus &#8211; Malus klasei?<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><center><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-790\" src=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/OCTA-cenu-izmain\u0327as-300x200.jpg\" alt=\"OCTA cenu izmain\u0327as\" width=\"685\" height=\"456\" srcset=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/OCTA-cenu-izmain\u0327as-300x200.jpg 300w, https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/OCTA-cenu-izmain\u0327as.jpg 500w\" sizes=\"auto, (max-width: 685px) 100vw, 685px\" \/><\/center>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tas, cik liel\u0101 m\u0113r\u0101 Bonus &#8211; Malus klases mai\u0146a ietekm\u0113s OCTA polises cenu, atkar\u012bgs no vair\u0101kiem faktoriem. <\/span><\/p>\n<p><strong>Tom\u0113r j\u0101\u0146em v\u0113r\u0101, ka, non\u0101kot zem\u0101k\u0101 Bonus &#8211; Malus klas\u0113, OCTA polises sad\u0101rdzin\u0101jums var b\u016bt diezgan iev\u0113rojams.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">T\u0101 piem\u0113ram:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>P\u0101reja no 6. uz 5. Bonus &#8211; Malus klasi noz\u012bm\u0113 apm\u0113ram 50 % lielu OCTA polises sad\u0101rdzin\u0101jumu<\/strong>;<\/span><\/li>\n<li style=\"font-weight: 400;\"><strong>Savuk\u0101rt ierindojoties 4. klas\u0113 par OCTA polisi var n\u0101kties maks\u0101t pat divas reizes vair\u0101k<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tiesa, non\u0101kot augst\u0101k\u0101 Bonus &#8211; Malus klas\u0113, polises cenu samazin\u0101jums gan nav tik strauj\u0161 &#8211; reiz\u0113m starp\u012bba ir vien da\u017ei procenti. Un tom\u0113r &#8211; vienm\u0113r ir pat\u012bkam\u0101k ietaup\u012bt (pat ja runa ir par sal\u012bdzino\u0161i mazu summu), nek\u0101 p\u0101rmaks\u0101t.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b>Kas notiek ar Bonus-Malus klasi, ja man pieder vair\u0101ki transportl\u012bdzek\u013ci?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Vienas transportl\u012bdzek\u013cu grupas ietvaros (piem\u0113ram, vieglie auto) Bonus-Malus klase nemain\u0101s. <strong>Savuk\u0101rt, ja Tev ir vieglais auto un motocikls, attiec\u012bb\u0101 uz katru transportl\u012bdzekli Tev pie\u0161\u0137irs atsevi\u0161\u0137u Bonus-Malus klasi.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dom\u0101jot par Bonus &#8211; Malus klases ietekmi uz auto apdro\u0161in\u0101\u0161anas cenu, der ar\u012b patur\u0113t pr\u0101t\u0101, ka no t\u0101, kur\u0101 klas\u0113 autovad\u012bt\u0101js ierindots, atkar\u012bga ne vien OCTA polises cena &#8211; da\u017ek\u0101rt \u0161is aspekts tiek \u0146emts v\u0113r\u0101 ar\u012b apr\u0113\u0137inot <\/span><a href=\"https:\/\/www.octas.lv\/lv\/kasko\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #008000;\"><b>KASKO polises cenu<\/b><\/span><\/a><span style=\"font-weight: 400;\">. Apdro\u0161in\u0101t\u0101js, redzot k\u0101da Bonus &#8211; Malus klase ir konkr\u0113tajam autovad\u012bt\u0101jam, var izdar\u012bt visai dro\u0161us secin\u0101jumus par to, cik agres\u012bvs (vai glu\u017ei pret\u0113ji &#8211; mier\u012bgs) ir \u0161\u012bs personas brauk\u0161anas stils.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>K\u0101 2018. gad\u0101 veiktaj\u0101 aptauj\u0101 atkl\u0101ja Latvijas Transportl\u012bdzek\u013cu apdro\u0161in\u0101t\u0101ju birojs (LTAB), transportl\u012bdzek\u013cu \u012bpa\u0161nieku izpratne par Bonus-Malus klas\u0113m un sist\u0113mu kopum\u0101 ir nepiln\u012bga. Ta\u010du par to vajadz\u0113tu zin\u0101t ikvienam transportl\u012bdzek\u013ca tur\u0113t\u0101jam vai \u012bpa\u0161niekam, jo t\u0101 liel\u0101 m\u0113r\u0101 ietekm\u0113 OCTA apdro\u0161in\u0101\u0161anas polises cenas apr\u0113\u0137inu. Ja ar\u012b Tu neesi p\u0101rliecin\u0101ts, ka zini visu svar\u012bg\u0101ko par Bonus-Malus, iel\u016bkojies \u0161\u012b raksta turpin\u0101jum\u0101, lai rastu atbildes [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-apdrosinasana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kas Ir Bonus Malus Klase un K\u0101 T\u0101 Veidojas?<\/title>\n<meta name=\"description\" content=\"Uzzini visu svar\u012bg\u0101ko par Bonus-Malus klasi: k\u0101 t\u0101 veidoj\u0101s un kas to ietekm\u0113. Ien\u0101c Octas.lv!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kas Ir Bonus Malus Klase un K\u0101 T\u0101 Veidojas?\" \/>\n<meta property=\"og:description\" content=\"Uzzini visu svar\u012bg\u0101ko par Bonus-Malus klasi: k\u0101 t\u0101 veidoj\u0101s un kas to ietekm\u0113. Ien\u0101c Octas.lv!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/\" \/>\n<meta property=\"og:site_name\" content=\"Octas.lv blogs\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-15T13:28:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-20T11:00:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/bm-klase.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"291\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Octas.lv\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Octas.lv\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/\"},\"author\":{\"name\":\"Octas.lv\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#\\\/schema\\\/person\\\/39ffffa7f93981f368672acec536553e\"},\"headline\":\"Kas ir Bonus Malus klase, un k\u0101 t\u0101 veidojas?\",\"datePublished\":\"2023-07-15T13:28:41+00:00\",\"dateModified\":\"2025-03-20T11:00:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/\"},\"wordCount\":1465,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/bm-klase.jpg\",\"articleSection\":[\"Auto apdro\u0161in\u0101\u0161ana\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/\",\"url\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/\",\"name\":\"Kas Ir Bonus Malus Klase un K\u0101 T\u0101 Veidojas?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/bm-klase.jpg\",\"datePublished\":\"2023-07-15T13:28:41+00:00\",\"dateModified\":\"2025-03-20T11:00:56+00:00\",\"description\":\"Uzzini visu svar\u012bg\u0101ko par Bonus-Malus klasi: k\u0101 t\u0101 veidoj\u0101s un kas to ietekm\u0113. Ien\u0101c Octas.lv!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/bm-klase.jpg\",\"contentUrl\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/bm-klase.jpg\",\"width\":500,\"height\":291,\"caption\":\"bm klase\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kas ir Bonus Malus klase, un k\u0101 t\u0101 veidojas?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/\",\"name\":\"Blogs\",\"description\":\"Noder\u012bga inform\u0101cija autovad\u012bt\u0101jiem un auto \u012bpa\u0161niekiem.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#organization\",\"name\":\"Blogs\",\"url\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/cropped-octas-1.png\",\"contentUrl\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/cropped-octas-1.png\",\"width\":516,\"height\":90,\"caption\":\"Blogs\"},\"image\":{\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.octas.lv\\\/blog\\\/#\\\/schema\\\/person\\\/39ffffa7f93981f368672acec536553e\",\"name\":\"Octas.lv\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7417a0f7c109f89e20002426d704f1831422cb1b1201929211d983c07fe556cc?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7417a0f7c109f89e20002426d704f1831422cb1b1201929211d983c07fe556cc?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7417a0f7c109f89e20002426d704f1831422cb1b1201929211d983c07fe556cc?s=96&d=mm&r=g\",\"caption\":\"Octas.lv\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kas Ir Bonus Malus Klase un K\u0101 T\u0101 Veidojas?","description":"Uzzini visu svar\u012bg\u0101ko par Bonus-Malus klasi: k\u0101 t\u0101 veidoj\u0101s un kas to ietekm\u0113. Ien\u0101c Octas.lv!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/","og_locale":"en_US","og_type":"article","og_title":"Kas Ir Bonus Malus Klase un K\u0101 T\u0101 Veidojas?","og_description":"Uzzini visu svar\u012bg\u0101ko par Bonus-Malus klasi: k\u0101 t\u0101 veidoj\u0101s un kas to ietekm\u0113. Ien\u0101c Octas.lv!","og_url":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/","og_site_name":"Octas.lv blogs","article_published_time":"2023-07-15T13:28:41+00:00","article_modified_time":"2025-03-20T11:00:56+00:00","og_image":[{"width":500,"height":291,"url":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/bm-klase.jpg","type":"image\/jpeg"}],"author":"Octas.lv","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Octas.lv","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#article","isPartOf":{"@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/"},"author":{"name":"Octas.lv","@id":"https:\/\/www.octas.lv\/blog\/#\/schema\/person\/39ffffa7f93981f368672acec536553e"},"headline":"Kas ir Bonus Malus klase, un k\u0101 t\u0101 veidojas?","datePublished":"2023-07-15T13:28:41+00:00","dateModified":"2025-03-20T11:00:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/"},"wordCount":1465,"commentCount":0,"publisher":{"@id":"https:\/\/www.octas.lv\/blog\/#organization"},"image":{"@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#primaryimage"},"thumbnailUrl":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/bm-klase.jpg","articleSection":["Auto apdro\u0161in\u0101\u0161ana"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/","url":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/","name":"Kas Ir Bonus Malus Klase un K\u0101 T\u0101 Veidojas?","isPartOf":{"@id":"https:\/\/www.octas.lv\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#primaryimage"},"image":{"@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#primaryimage"},"thumbnailUrl":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/bm-klase.jpg","datePublished":"2023-07-15T13:28:41+00:00","dateModified":"2025-03-20T11:00:56+00:00","description":"Uzzini visu svar\u012bg\u0101ko par Bonus-Malus klasi: k\u0101 t\u0101 veidoj\u0101s un kas to ietekm\u0113. Ien\u0101c Octas.lv!","breadcrumb":{"@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#primaryimage","url":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/bm-klase.jpg","contentUrl":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2019\/07\/bm-klase.jpg","width":500,"height":291,"caption":"bm klase"},{"@type":"BreadcrumbList","@id":"https:\/\/www.octas.lv\/blog\/kas-ir-bonus-malus-klase-un-ka-ta-veidojas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.octas.lv\/blog\/"},{"@type":"ListItem","position":2,"name":"Kas ir Bonus Malus klase, un k\u0101 t\u0101 veidojas?"}]},{"@type":"WebSite","@id":"https:\/\/www.octas.lv\/blog\/#website","url":"https:\/\/www.octas.lv\/blog\/","name":"Blogs","description":"Noder\u012bga inform\u0101cija autovad\u012bt\u0101jiem un auto \u012bpa\u0161niekiem.","publisher":{"@id":"https:\/\/www.octas.lv\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.octas.lv\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.octas.lv\/blog\/#organization","name":"Blogs","url":"https:\/\/www.octas.lv\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.octas.lv\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2021\/04\/cropped-octas-1.png","contentUrl":"https:\/\/www.octas.lv\/blog\/wp-content\/uploads\/2021\/04\/cropped-octas-1.png","width":516,"height":90,"caption":"Blogs"},"image":{"@id":"https:\/\/www.octas.lv\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.octas.lv\/blog\/#\/schema\/person\/39ffffa7f93981f368672acec536553e","name":"Octas.lv","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/7417a0f7c109f89e20002426d704f1831422cb1b1201929211d983c07fe556cc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7417a0f7c109f89e20002426d704f1831422cb1b1201929211d983c07fe556cc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7417a0f7c109f89e20002426d704f1831422cb1b1201929211d983c07fe556cc?s=96&d=mm&r=g","caption":"Octas.lv"}}]}},"_links":{"self":[{"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/posts\/163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/comments?post=163"}],"version-history":[{"count":16,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/posts\/163\/revisions"}],"predecessor-version":[{"id":1932,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/posts\/163\/revisions\/1932"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/media\/793"}],"wp:attachment":[{"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/media?parent=163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/categories?post=163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.octas.lv\/blog\/wp-json\/wp\/v2\/tags?post=163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}