How do you know your auto insurance bonus?
There are several methods allowing you to know your bonus penalty, you can:
calculate it yourself via our bonus malus calculator;
check it on your due date notice (communicated annually by your insurer);
request an information statement from your insurance. Your insurer must then respond to you within 15 days.
What is the bonus penalty for a young driver?
Young drivers start with a bonus malus of 1. The rules for calculating the bonus malus are then no different from those of an experienced driver.
His bonus penalty therefore changes as follows:
you have not caused any responsible accident: you have a bonus and therefore a reduction in the coefficient of 5%;
you caused an accident and are totally responsible: you have a penalty and therefore an increase in the coefficient of 25%;
you caused an accident but are only partially responsible: you have a penalty and therefore an increase in the coefficient of 12.5%.
Changing insurer or car: how to calculate your bonus malus?
The bonus penalty is awarded to a driver and not to a vehicle. Thus, if you change car, you keep the same bonus penalty. If you buy an additional vehicle, your bonus penalty will then be transferred to your new contract. However, if you have an accident with one of the vehicles, the penalty will only be affected for one contract.
In the event of a change of insurer, here again, your bonus penalty follows you. You will then have the same bonus penalty with your new auto insurer. Therefore, your new insurance company will ask you for an information statement.
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