Tuesday, May 24, 2011
Bonus Malus
The bonus malus is a key parameter for the stipules of the contracts' s auto insurance and regulation:
- increases the premium
- reductions in insurance premium
To understand the bonus-malus we can compare it to an index in an insurance contract is shown as a discount on the price of the contract in case of a positive trend of the risk of casualties.
Summing up the bonus malus: fewer accidents = more discount on the insurance contract.
The bonus malus is calculated annually and ending two months before the expiration of auto insurance.
For the bonus malus are 18 different classes of risk regarding the category with the number 1 indicates the best-discount offer and the class number 18, the less advantageous.
For new members to a car insurance is usually assigned to the category with the number 13 or 14 (depends on the insurance company).
In the event that the driver in 'year has not caused any accident has the right to go to a bonus-malus categoia, and thereby obtain a discount on insurance premium.
In the case of 'accidents and incidents is the change of category 2 categories of Malus, eg from a position in class 13, the driver left after a pass in class 15, with the corresponding increase in insurance (sometimes substantial).As a general rule we can say that the first class corresponds to a decrease of 50% of basic price of the last class corresponds to an increase of 100% on the basic price.
However, there are some insurance companies that provide classes in addition to the aforementioned additional classes with the corresponding rebates or increases.
Those who already have a 'car insurance and decided to move to a new insurance company the value of bonus malus class will be used for calculating the new budget.
Some tips on budget car and bonus malus:
- you can request an estimate cumulative discounted in your family group if you are already insured motorists
- always compares the different estimates of the companies, you can save and you should always
- Many insurance online (Internet) offer attractive prices, but be careful to choose the most solid
- In the case of young drivers could be useful payable 's car to a family elder, pointing specifically to the use of the car the whole family
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| Iconic image for the bonus maluswhere each driver is assigned a category of merit / risk. |
Bonus malus is used to calculate the cost of your auto insurance according to a set of risk categories, there are fewer accidents further up the categories with the best prices on insurance premium 18 are categoie risk of belonging, the categoie lower (category number 1) are more effective than the higher categories (category 18).
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