In brief:
- The coefficient decreases by 5% per year without an at-fault claim, down to a floor of 0.50.
- Each at-fault claim increases the coefficient by 25%.
- The no-claims bonus is transferable between insurers via the claims history statement.
The principle of the bonus-malus coefficient
The no-claims bonus, officially the bonus-malus coefficient, adjusts the insurance premium based on the driver’s at-fault claims history.
The calculation mechanics
- -5% per full year without an at-fault claim
- +25% per at-fault claim
- +12.5% per partially at-fault claim
Thresholds to know
| Situation | Effect on the coefficient |
|---|---|
| 13 years without an at-fault claim | Floor coefficient of 0.50 (maximum bonus) |
| 1 at-fault claim | Coefficient x 1.25 |
| Several claims in the same year | Cumulative increases |
| Maximum coefficient | Capped at 3.50 |
How to lower your malus faster
- Drive without an at-fault claim for at least 2 consecutive years
- Compare offers, as the malus impact on pricing varies by insurer
- Consider supervised driving or a driving awareness course, valued by some insurers
A coefficient that follows the driver, not the vehicle
The bonus-malus coefficient stays attached to the insured person and is transferred to the new insurer via the claims history statement, including in case of cancellation mid-year.
Frequently asked questions
How is a car insurance no-claims bonus calculated?
The coefficient decreases by 5% each year without an at-fault claim and increases by 25% per at-fault claim, with a floor of 0.50 and a cap of 3.50.
How long does it take to recover a good coefficient after an at-fault accident?
It takes on average 2 claim-free years to erase the effect of a single accident, and up to 13 consecutive years to reach the maximum bonus.
Is the no-claims bonus transferable between insurers?
Yes, the coefficient is attached to the driver: a claims history statement must be provided to the new insurer when switching companies.