Have you been found responsible for several accidents with your vehicle and have accumulated too many penalties?
Your annual premium has increased significantly and your car insurance contract is likely to be terminated due to excess claims.
You are in fact considered by the insurer as a driver presenting a high risk of accident.
What solutions exist for penalized drivers?
Follow our advice.
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What are the consequences of penalties on your car insurance contract?
Each year, your car insurer applies a bonus or penalty to your contract called the reduction-increase coefficient (CRM) depending on the number of at-fault accidents declared over the 12 months.
The cost of your insurance premium is therefore likely to change favorably or unfavorably depending on your total or partial liability during accidents.
A bonus is applied to you if you have not had any claims during the year, which results in a 5% reduction in your annual premium.
If, for at least 3 years, you have benefited from the maximum bonus, your first responsible claim will not have a negative effect on your bonus.
Your car insurance premium will be increased by 125% if you have declared one or more partially responsible accidents.
A penalty is applied to you in the event of a responsible accident, with an increase in your car insurance premium of 25% per responsible accident.
An additional penalty may be applied to you in the event of a responsible incident with aggravating circumstances, which are also criminal, such as drug consumption, blood alcohol content, hit-and-run, false declaration, etc.
Your insurance premium can be increased by 400% if your insurance applies the maximum penalty of 3.50.
Considered to present a higher risk than other drivers, penalized drivers are forced to pay a higher than average annual premium and are sometimes canceled by their insurer.
How to save on your car insurance premium?
Several tips can help you save money on a malusé car insurance contract:
insure a small engine car rather than a more powerful one because this type of vehicle carries a higher premium
if you do few km, choose cheaper insurance per km
depending on the value of your vehicle, you can opt for third-party insurance, driver's civil liability which protects third parties from the damage you may cause them during an accident.
Please note, however, that any damage you may suffer will not be covered.
and also, from now on adopt exemplary conduct so as not to incur your liability, even partial, in the event of an auto accident.
>>I compare car insurance contracts for injured drivers
Penalty: how to find a car insurance contract if the contract has been terminated?
Your car contract has been terminated and you do not want to be outside the law, so you have a legal obligation, like any owner of a land motor vehicle, to take out civil liability insurance, even for a non-running vehicle.
You must therefore, despite an unfavorable history, find an insurer who agrees to insure you.
You can turn to insurance companies specializing in taking care of injured drivers.
Compare market offers from insurers for malussés to find the one that offers you the best coverage and the best value for money.
The car premium for these insurance policies for malusés is higher than insurance for all but you will ultimately pay less than with your old insurance applying a maximum penalty to your car contract.
If you have suffered at least 2 refusals from insurers, you can contact the Central Pricing Office, or BCT, a state body set up to support penalized drivers (or not), in difficulty to find an insurer who accepts to cover them, within 15 days after notification of negative responses.
The BCT is responsible for carrying out the steps for an insurer to accept the applicant's profile.