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.
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Bonus (Discount): If no claims are reported during the insurance period, you benefit from a reduction in your premium.
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Malus (Increase): If claims are reported, your premium increases according to the risk scale.
How Does It Work?
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Entry Class: First-time policyholders start at the base class (11), which corresponds to 100% of the premium.
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Bonus (No Claims): For every claim-free year, you move down one class, with the minimum being class 1 (45%).
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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
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Fair and Transparent: Conditions are based solely on claims history, not administrative aspects.
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Encourages Safe Driving: Careful drivers benefit from lower premiums.
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More Flexible Rules: No penalties for administrative delays if no claims are reported.
