The bonus-malus is a coefficient between 0.50 (maximum bonus) and 3.50 (maximum malus).

To calculate this coefficient, your insurer takes into account your history over the last 12 months, two months later than the expiry date of your contract. 

For example, if the anniversary date of your contract is January 1, 2020, your insurer will take into account the period from October 31, 2018 to October 31, 2019. 

If you have never been insured, your no-claims bonus starts at 1.

It then evolves according to two parameters: the number of claims you declare during the year and your level of responsibility for each claim. 

  • For each at-fault claim you declare, your coefficient is increased by 25%. You therefore go from a starting coefficient of 1 to a coefficient of 1.25 (1*1.25) if you are responsible for a first claim. 

  • For each semi-responsible claim you declare, you are sanctioned by a half penalty, your coefficient is increased by 12.5%. If your starting coefficient of is 1, you move to a coefficient of 1.125 (1*1.125). 

  • If you do not declare any claims during the year, your bonus-malus is reduced by 5%. Your starting coefficient is therefore multiplied by 0.95. Your CRM will continue to decrease if you have no claims in the following years. However, the minimum coefficient is 0.50, i.e. 50% bonus: it will no longer go down after 13 years without an at-fault accident (period necessary to allow you to benefit from such a bonus).