How the Bonus-Malus System Works
The Bonus-Malus system adjusts your RCA insurance cost based on your driving history. Find out if you qualify for a discount or if you are considered a higher risk.
How Is Bonus or Malus Applied?
Bonus-Malus classes are adjusted annually based on your driving behavior and the history of reported accidents or claims.
Bonus
If you have had no accidents or claims within a certain period, you receive a discount on your insurance premium.
Malus
If you have been involved in accidents or have made claims, your premium cost will be higher. The system reflects your level of risk.
Why Is the Bonus-Malus Class Important?
This class directly influences how much you pay for RCA insurance. Knowing your status can help you save money and avoid penalties.
Risk Evaluation
Insurers use this class to assess whether you are a reliable or a higher-risk driver.
Motivation for Caution
The system encourages responsible driving behavior by offering financial benefits to drivers without incidents.
Impact on Budget
A Bonus class reduces your annual premium, while a Malus class can significantly increase your costs.
