Assurance Auto Bonus Malus Calcul

What is Bonus Malus?

Bonus Malus is a system used by many European countries to determine auto insurance premiums. It's based on your driving history and claims record. The system assigns points to drivers, with lower points resulting in lower insurance premiums.

The bonus malus system typically works as follows:

• New drivers start with a certain number of points (often 12 in France)
• Safe driving reduces your points over time
• Accidents, violations, or claims increase your points
• Your insurance company uses these points to calculate your premium

How to Calculate Bonus Malus

The exact calculation method varies by country, but generally follows these principles:

1. Start with your current bonus malus points
2. Add points for any new violations or claims
3. Subtract points for safe driving periods
4. Apply any caps or minimums to the final points

Most systems have a minimum number of points (often 0) and a maximum (often 24 in France).

Factors Affecting Bonus Malus

Several factors influence your bonus malus points:

• Accidents: Each accident typically adds 4-6 points
• Violations: Speeding, drunk driving, etc. add points
• Claims: Even unreported claims may affect your points
• Safe Driving: Some points are subtracted annually for safe driving
• Insurance History: Long-term safe driving can reduce points

Points are typically calculated annually, with some systems allowing partial reductions for safe driving within the year.

Example Calculation

Let's look at an example:

Current points: 6

New violations: 2 (speeding)

Safe driving reduction: 1 (for 6 months of safe driving)

In this case, the driver's bonus malus points would increase from 6 to 7.