Car insurance: how to calculate your bonus malus?

Do you know the percentage reduction in your auto insurance premium if you have no claims during the year?

The answer is 5%!

If you are not responsible for any claim during the year, your bonus-malus automatically decreases by 5%.

Conversely, if you are responsible for an accident, your future premium will increase by 25%!

This is the bonus-malus system that we often talk about when we talk about car insurance.

Insurers then calculate a coefficient that follows you when you change car or vehicle insurance.

This is why some insurance companies offer solutions to affected drivers with offers for “malused” people.

I change car insurance

How is the bonus-malus coefficient calculated?

The method of calculating the bonus-malus coefficient varies according to the bonus or the penalty, starting from a base coefficient equal to 1.

For the penalty, the coefficient is multiplied by 1.25.

For the bonus, it is multiplied by 0.95.

In the case of a penalty, the coefficient cannot exceed 3.5.

And in the event of partial liability, another formula is applied with a 12.5% ​​increase in the premium.

Do not panic, since if you are a good driver, insurance companies do not apply penalties if your coefficient is 0.50 for more than 3 years.

Car or motorcycle are affected by this bonus-malus system.

In any case, comparing insurance contracts and conditions is always a good way to save money over the year.

This also allows you to obtain an auto insurance quote to choose the right contract according to your situation.

>>Click here to compare car insurance contracts!