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Content <h2 data-start="121" data-end="157">What is the Bonus-Malus System?</h2> <p data-start="159" data-end="281">The <strong data-start="163" data-end="185">Bonus-Malus System</strong> is a mechanism that adjusts the cost of insurance based on the policyholder&rsquo;s claims history.</p> <ul data-start="283" data-end="511"> <li data-start="283" data-end="409"> <p data-start="285" data-end="409"><strong data-start="285" data-end="306">Bonus (Discount):</strong> If no claims are reported during the insurance period, you benefit from a reduction in your premium.</p> </li> <li data-start="410" data-end="511"> <p data-start="412" data-end="511"><strong data-start="412" data-end="433">Malus (Increase):</strong> If claims are reported, your premium increases according to the risk scale.</p> </li> </ul> <h2 data-start="518" data-end="540">How Does It Work?</h2> <ul data-start="542" data-end="890"> <li data-start="542" data-end="659"> <p data-start="544" data-end="659"><strong data-start="544" data-end="560">Entry Class:</strong> First-time policyholders start at the base class (11), which corresponds to 100% of the premium.</p> </li> <li data-start="660" data-end="776"> <p data-start="662" data-end="776"><strong data-start="662" data-end="684">Bonus (No Claims):</strong> For every claim-free year, you move down one class, with the minimum being class 1 (45%).</p> </li> <li data-start="777" data-end="890"> <p data-start="779" data-end="890"><strong data-start="779" data-end="803">Malus (With Claims):</strong> For each claim, the class increases by 3 levels, up to a maximum of class 19 (250%).</p> </li> </ul> <h2 data-start="897" data-end="925">Bonus-Malus Scale Table</h2> <div class="_tableContainer_1rjym_1"> <div class="_tableWrapper_1rjym_13 group flex w-fit flex-col-reverse" tabindex="-1"> <table class="w-fit min-w-(--thread-content-width)" data-start="927" data-end="1390"> <thead data-start="927" data-end="959"> <tr data-start="927" data-end="959"> <th data-start="927" data-end="935" data-col-size="sm">Class</th> <th data-start="935" data-end="959" data-col-size="sm">Premium Percentage</th> </tr> </thead> <tbody data-start="993" data-end="1390"> <tr data-start="993" data-end="1012"> <td data-start="993" data-end="1001" data-col-size="sm">1</td> <td data-start="1001" data-end="1012" data-col-size="sm">45%</td> </tr> <tr data-start="1013" data-end="1032"> <td data-start="1013" data-end="1021" data-col-size="sm">2</td> <td data-start="1021" data-end="1032" data-col-size="sm">50%</td> </tr> <tr data-start="1033" data-end="1052"> <td data-start="1033" data-end="1041" data-col-size="sm">3</td> <td data-start="1041" data-end="1052" data-col-size="sm">55%</td> </tr> <tr data-start="1053" data-end="1072"> <td data-start="1053" data-end="1061" data-col-size="sm">4</td> <td data-start="1061" data-end="1072" data-col-size="sm">60%</td> </tr> <tr data-start="1073" data-end="1092"> <td data-start="1073" data-end="1081" data-col-size="sm">5</td> <td data-start="1081" data-end="1092" data-col-size="sm">65%</td> </tr> <tr data-start="1093" data-end="1112"> <td data-start="1093" data-end="1101" data-col-size="sm">6</td> <td data-start="1101" data-end="1112" data-col-size="sm">70%</td> </tr> <tr data-start="1113" data-end="1132"> <td data-start="1113" data-end="1121" data-col-size="sm">7</td> <td data-start="1121" data-end="1132" data-col-size="sm">75%</td> </tr> <tr data-start="1133" data-end="1152"> <td data-start="1133" data-end="1141" data-col-size="sm">8</td> <td data-start="1141" data-end="1152" data-col-size="sm">80%</td> </tr> <tr data-start="1153" data-end="1172"> <td data-start="1153" data-end="1161" data-col-size="sm">9</td> <td data-start="1161" data-end="1172" data-col-size="sm">85%</td> </tr> <tr data-start="1173" data-end="1192"> <td data-start="1173" data-end="1181" data-col-size="sm">10</td> <td data-start="1181" data-end="1192" data-col-size="sm">90%</td> </tr> <tr data-start="1193" data-end="1230"> <td data-start="1193" data-end="1216" data-col-size="sm"><strong data-start="1195" data-end="1215">11 (Entry Class)</strong></td> <td data-start="1216" data-end="1230" data-col-size="sm"><strong data-start="1218" data-end="1226">100%</strong></td> </tr> <tr data-start="1231" data-end="1250"> <td data-start="1231" data-end="1239" data-col-size="sm">12</td> <td data-start="1239" data-end="1250" data-col-size="sm">105%</td> </tr> <tr data-start="1251" data-end="1270"> <td data-start="1251" data-end="1259" data-col-size="sm">13</td> <td data-start="1259" data-end="1270" data-col-size="sm">120%</td> </tr> <tr data-start="1271" data-end="1290"> <td data-start="1271" data-end="1279" data-col-size="sm">14</td> <td data-start="1279" data-end="1290" data-col-size="sm">140%</td> </tr> <tr data-start="1291" data-end="1310"> <td data-start="1291" data-end="1299" data-col-size="sm">15</td> <td data-start="1299" data-end="1310" data-col-size="sm">160%</td> </tr> <tr data-start="1311" data-end="1330"> <td data-start="1311" data-end="1319" data-col-size="sm">16</td> <td data-start="1319" data-end="1330" data-col-size="sm">180%</td> </tr> <tr data-start="1331" data-end="1350"> <td data-start="1331" data-end="1339" data-col-size="sm">17</td> <td data-start="1339" data-end="1350" data-col-size="sm">200%</td> </tr> <tr data-start="1351" data-end="1370"> <td data-start="1351" data-end="1359" data-col-size="sm">18</td> <td data-start="1359" data-end="1370" data-col-size="sm">225%</td> </tr> <tr data-start="1371" data-end="1390"> <td data-start="1371" data-end="1379" data-col-size="sm">19</td> <td data-start="1379" data-end="1390" data-col-size="sm">250%</td> </tr> </tbody> </table> </div> </div> <h2 data-start="1397" data-end="1427">Key Benefits for Citizens</h2> <ul data-start="1429" data-end="1706"> <li data-start="1429" data-end="1533"> <p data-start="1431" data-end="1533"><strong data-start="1431" data-end="1456">Fair and Transparent:</strong> Conditions are based solely on claims history, not administrative aspects.</p> </li> <li data-start="1534" data-end="1611"> <p data-start="1536" data-end="1611"><strong data-start="1536" data-end="1564">Encourages Safe Driving:</strong> Careful drivers benefit from lower premiums.</p> </li> <li data-start="1612" data-end="1706"> <p data-start="1614" data-end="1706"><strong data-start="1614" data-end="1638">More Flexible Rules:</strong> No penalties for administrative delays if no claims are reported.</p> </li> </ul>

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