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What is the Bonus-Malus System?

The Bonus-Malus System is a mechanism that adjusts the cost of insurance based on the policyholder’s claims history.

• Bonus (Discount): If no claims are reported during the insurance period, you benefit from a reduction in your premium.

• Malus (Increase): If claims are reported, your premium increases according to the risk scale.

How Does It Work?

• Entry Class: First-time policyholders start at the base class (11), which corresponds to 100% of the premium.

• Bonus (No Claims): For every claim-free year, you move down one class, with the minimum being class 1 (45%).

• Malus (With Claims): For each claim, the class increases by 3 levels, up to a maximum of class 19 (250%).

Bonus-Malus Scale Table

Class	Premium Percentage
1	45%
2	50%
3	55%
4	60%
5	65%
6	70%
7	75%
8	80%
9	85%
10	90%
11 (Entry Class)	100%
12	105%
13	120%
14	140%
15	160%
16	180%
17	200%
18	225%
19	250%

Key Benefits for Citizens

• Fair and Transparent: Conditions are based solely on claims history, not administrative aspects.

• Encourages Safe Driving: Careful drivers benefit from lower premiums.

• More Flexible Rules: No penalties for administrative delays if no claims are reported.

Name

Bonus-Malus System

CreatedDate

1.9.2025 2:57:16 e pasdites

Order

26

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