In which cases can my bonus malus be increased?
In addition to the penalty which is determined according to the number of responsible accidents, other events may increase the cost of your premium, this is called the surcharges.
Here is a non-exhaustive list of possible increases:
Responsible for at least 3 claims during a year: + 50%;
False declaration when taking out the contract: + 100%;
Hit and run after a disaster: + 100%;
License suspension for more than 6 months: + 100%;
Responsible accident under the influence of alcohol: + 150%;
Cancellation of driving license: 200%.
Thus, if your driver's license is canceled and your auto insurance premium is € 700, your contract will then increase to € 2,100 (700 + 200%).
In the event of multiple offenses, the increases may not exceed 400%.
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%.
Auto fleet and the bonus penalty
If your company has an auto fleet, the contract does not include the usual "bonus-malus". In fact, the contribution is calculated each year, when the contract expires, from an annual report which takes into account all possible claims that have occurred during the last twelve months.
Indeed, all claims of the vehicle fleet must be reported by its manager to the insurer, who then keeps them in a national file maintained by the Association for the Management of Information on Risk in Insurance (AGIRA). The vehicle fleet insurance contract must be drawn up in the name of a single main driver for all vehicles, which obviously does not prevent them from being used by other people.
At each maturity, the amount of the insurance premium will therefore be calculated according to the claims declared in the previous year and the profiles of the different drivers.
Faq on the bonus malus
In certain specific situations, the application of the bonus or penalty coefficient can pose a problem. Here are the main answers to the questions you may be asking yourself.
What happens to my bonus when I change my car or motorcycle?
The bonus or penalty is then automatically transferred to the new insurance contract, provided that the driver (s) of the new vehicle are the same as those designated in the previous contract.
What happens to my bonus when I sell my car to buy a motorcycle?
A policyholder who sells his car to buy a motorcycle over 80 cm3 recovers for the latter's insurance the bonus-malus rate that he had for his car.
What happens to my bonus when I buy an additional vehicle?
The insurer then transfers the bonus or penalty coefficient to this new vehicle under the same conditions as above. This rule applies to newly insured vehicles.
If the insured already has several vehicles and they are assigned different coefficients, the average coefficient is applied to the additional vehicle.
What happens to my penalty when I change insurer?
When we change companies or mutual insurance companies, the new insurer calculates the bonus or penalty coefficient taking into account the previous coefficient and the accidents that occurred between the last expiry of the previous contract and the subscription of the new one.
What happens to my penalty when I suspend my insurance contract?
If the insurance contract is suspended following a change of vehicle, illness or even a departure abroad, the bonus or penalty coefficient remains with the insured for a determined time. by his insurance contract. Usually for three years.
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