Temporary car insurance with a high penalty/bonus (malus): is it possible?

A high penalty can often complicate the search for insurance. Discover if temporary insurance can be a solution and in what cases it is accessible.

After several at-fault claims, your no-claims bonus/penalty coefficient has increased and you are finding it difficult to find car insurance?

Do you need to insure a vehicle for only a few days or weeks?

👉 A question that comes up very often is:

Can one take out temporary insurance when one has a high penalty?

The answer is yes in some cases, but it is important to know that not all penalized drivers are automatically eligible.

Conditions vary depending on insurers, your history, and the reason for your penalty.

What is a penalty?

The bonus-malus system, also called the reduction-surcharge coefficient (CRM), adjusts the insurance premium based on your driving history.

Generally:

• a driver with no at-fault claims gradually benefits from a bonus;
• one or more at-fault claims result in a penalty and an increase in the premium.

The coefficient is retained when you change insurer or vehicle.

Can I get temporary insurance with a penalty?

👉 Yes, but it depends on your situation.

Unlike an annual contract, some temporary insurance policies do not directly use the bonus-malus coefficient to calculate their rate.

However, your insurance history is generally still reviewed.

Insurers may notably consider:

• the number of at-fault claims;
• previous cancellations;
• license suspensions or revocations;
• serious offenses;
• your driving experience.

A significant penalty does not therefore automatically prevent subscription, but it can influence the acceptance of the file or the proposed rate.

In what situations can temporary insurance be useful?

Even with a significant penalty, temporary insurance can meet a specific need.

For example, to:

• recover a vehicle;
• make a single trip;
• repatriate a purchased vehicle;
• present a vehicle for technical inspection;
• insure a vehicle while waiting for an annual contract.

👉 Temporary insurance is precisely designed to meet these short-term needs.

Are all penalized drivers accepted?

No.

Each insurer applies its own underwriting criteria.

Depending on the situation, certain profiles may be refused, particularly in the presence of:

• numerous recent at-fault claims;
• cancellation due to claims;
• alcohol or drugs while driving;
• convictions related to the Highway Code;
• antecedents deemed too significant.

It is therefore essential to check the eligibility conditions before any subscription.

Does the penalty influence the price?

Yes, indirectly.

Even when the bonus-malus coefficient is not applied in the same way as an annual contract, a driving history with several claims can lead to:

• a higher premium;
• limited guarantees;
• stricter underwriting conditions.

The price also depends on:

• the vehicle;
• the driver's age;
• their driving experience;
• the desired duration.

What coverage with KT Tempo?

⚠️ Important:

The temporary insurance offered by KT Tempo is:

✔️ third-party insurance (civil liability)

❌ not comprehensive insurance.

It meets a specific need while complying with the legal insurance obligation.

What is covered

• mandatory civil liability;
• damage caused to third parties;
• circulation for the duration of the contract.

What is not covered

• damage to your own vehicle in the event of an at-fault accident;
• theft;
• vandalism;
• other guarantees specific to a comprehensive contract.

How to maximize your chances?

To facilitate the review of your application:

• prepare your documents in advance;
• provide accurate information;
• declare all your antecedents;
• choose a duration that genuinely corresponds to your need.

👉 An inaccurate declaration can have significant consequences for your contract.

Mistakes to avoid

❌ Believing that all temporary insurance policies automatically accept penalized drivers.

❌ Hiding a claim or cancellation.

❌ Confusing temporary insurance with an annual contract.

❌ Assuming that third-party insurance covers damage to your own vehicle.

Why temporary insurance can be a solution?

When your need is limited to a few days or weeks, temporary insurance can be an appropriate solution, provided you meet the insurer's underwriting conditions.

It notably allows you to:

• move a vehicle;
• carry out administrative procedures;
• insure a vehicle while waiting for a more long-term insurance solution.

Why choose KT Tempo?

KT Tempo allows you to subscribe to temporary insurance directly online to meet your specific needs.

The advantages:

✔️ 100% online subscription

✔️ Quick certificate

✔️ Immediate coverage

✔️ Flexible duration from 1 to 90 days

✔️ Solution adapted to temporary needs, subject to eligibility

👉 Subscribe to your temporary insurance online

Are you looking for temporary insurance for a few days or weeks?

👉 Subscribe directly online to:

• quickly obtain your insurance certificate;
• cover your vehicle for the desired duration;
• drive legally.

KT Tempo supports you with a simple, fast, and adapted temporary insurance solution for your specific needs.