Bonus-malus is a coefficient used in the annual calculation of the car insurance premium. It is established according to the insured’s driving habits. When the latter behaves well, he is rewarded with a reduction in the coefficient. On the other hand, when his liability is incurred in a claim, he is penalized with an increase in the coefficient. Can we oppose a car insurance malus?
In which cases can one object to a malus
Article a121-1 of the Insurance Act stipulates that certain damages cannot be increased. This is the case for claims where the insured’s liability is not engaged. Sometimes insurance companies make the mistake of taking them into account when calculating the coefficient. You have the right to object to an unjustified car insurance fine.
Thefts, fires, broken glass, parking accidents without an identified third party and accidents that occur during a case of force majeure are also claims not to be considered.
You can find out your bonus malus at any time by asking your insurance company about yours information report. You will also find it on the last one expiration notice Received.
Why contest an unjustified penalty?
Since the penalties disappear from the car insurance file after two years without an accident, some drivers prefer to wait and not participate in objection proceedings. However, the bonus-malus coefficient has a significant impact on the car insurance premium. It is actually sufficient to do a car insurance estimate to realize the weight of bonus-malus.
Understood between 0.5 and 3.5, the bonus-malus is recalculated every year based on the history of the past 12 months. During the first subscription to a car insurance contract, the driver starts with a neutral coefficient equal to 1. reduce the coefficient by 5% : it takes 13 years of good behavior to reach the lowest level, i.e. 0.5. On the other hand, each notified claim will increase the coefficient by:
- 25% when the insured is responsible. The old coefficient is multiplied by 1.25.
- 12.5% when the insured is semi-responsible. The old coefficient is multiplied by 1.125.
Let’s take an example : an insured with a neutral coefficient has an insurance premium of €600. After receiving his notice of expiration, he learns that his liability is fully involved in two claims. Its bonus malus will therefore undergo 2 increases, bringing the coefficient to 1.56 (1 x 1.25 = 1.25. 1.25 x 1.25 = 1.56). This will be the new amount for his insurance premium €936 (600 x 1.56), representing an increase of €336. If these two claims are unjustified, the objection procedure will allow him to save a significant amount on his annual insurance premium.
have a coefficient greater than 1, in addition to being an economic weight, complicates the subscription for car insurance. Some insurance companies actually tend to refuse “impaired drivers”which must call on specialized companies.
How do you counteract a malus with the insurance?
To oppose a malus with your car insurance, you need to send one challenge request registered mail with acknowledgment of receipt. You must attach to this letter all supporting documents showing that the penalty applied is unjustified (amicable report, expert report, administrative letter, minutes, etc.). Remember to keep a copy of the letter and the documents sent in case of a dispute with the insurance.
If this procedure does not lead to any result, you have the option of turning to the insurance broker, whose role is to find an amicable solution, acting as an intermediary between you and the insurance company. Note that you have two years after the annual deadline regarding the unjustified loss to object to the fine.