Assurance Auto Calcul Malus

What is Malus in Car Insurance?

Malus, also known as a bonus-malus system, is a way for insurance companies to reward safe drivers and penalize those with accidents or traffic violations. It's a numerical value that affects your car insurance premium.

The malus system typically ranges from 0 (best) to 99 (worst). A lower malus means you'll pay less for insurance, while a higher malus results in higher premiums.

How to Calculate Your Malus

Your malus is calculated based on your driving history over a specific period (usually 2-3 years). The exact calculation varies by country and insurance company, but generally follows these principles:

Most systems use a point-based approach where:

• Each accident adds a certain number of points
• Each traffic violation adds a certain number of points
• Points decrease over time (e.g., 1 point per year)

Factors Affecting Your Malus

Several factors influence your malus score:

1. Number of accidents - Each accident typically adds 3-6 points
2. Type of accident - At-fault accidents have higher point values than minor incidents
3. Traffic violations - Speeding, running red lights, etc., add points
4. Driving history length - Longer clean records reduce malus faster
5. Insurance company rules - Some companies have stricter point systems

Malus Points System Explained

Here's a typical malus points system:

Note: The exact point values and ranges may vary by country and insurance company.

How Malus Affects Your Insurance Premium

Your malus directly impacts your insurance premium through a multiplier system. Typically:

For example, if your base premium is $1,000 and your malus is 50:

This means a higher malus leads to significantly more expensive insurance.