How the bonus-malus and your insurance history impact the price of temporary insurance

Temporary insurance doesn't always rely on bonus-malus, but your history (malus, cancellations, interruptions) can significantly influence the rate or acceptance. Compare quotes and favor insurers who are tolerant.

Think temporary insurance is always affordable, regardless of your insurance history? In reality, your bonus-malus and driving history play a significant role in the price offered. This article explores how these criteria play a role in pricing, with real-life examples and tips for limiting their impact.

What is the bonus-malus system and how does it work?

The bonus-malus (or reduction-increase coefficient, CRM) is a mechanism that adjusts the insurance premium according to your claims experience: fewer at-fault accidents = bonus; at-fault accidents = penalty.
In general, a year without a claim reduces your coefficient by 5%.
Conversely, each at-fault accident can increase the coefficient by 25%.
But be careful: the bonus-malus is calculated over the 12-month period preceding the deadline, shifted by two months.

Temporary insurance: is the bonus-malus applied?

Temporary insurance and CRM: legal perspective

According to AcommeAssure, temporary car insurance rates are not based on the bonus-malus coefficient . This means that CRM is not always taken into account directly for short-term contracts.

However, some companies may still take your insurance history into account, particularly for “risky” or penalized profiles.

Example: temporary insurance penalty

• Assushop offers specific plans covering drivers with a penalty or foreign registration.
• Some insurers consider the driver's general history, even if classic CRM is not strictly applied in temporary cases.

Therefore, depending on the insurer, your penalty or your history can influence the temporary premium, either by discreet increase, or via refusal or over-cost profile.

Concrete cases: how history can influence the price

Case 1: driver without claims for 10 years

Even if CRM isn't implemented, you benefit from credibility. The insurer may judge your profile as reliable, offer a more competitive rate, or accept without a surcharge.

Case 2: driver with recent penalty

For a driver with a coefficient > 1 (penalty), some companies may apply a "risk surcharge" even for temporary insurance, or refuse the offer. Assushop offers temporary penalty contracts, but potentially at a high price.

Case 3: History of interrupted insurance

If you have had a contract interruption (more than 3 months), some companies consider this an increased risk. However, if the interruption is short (less than 3 months), you can keep your CRM.

Case 4: termination due to loss or non-payment

In the event of cancellation due to claims or non-payment, your profile is considered high risk. Temporary insurers may require additional guarantees or refuse coverage.

Case 5: Young driver with a history

Young drivers with previous claims or penalties will often face high rates or rejections, even for temporary insurance. For example, they often have to prove they have held their license for two years to be eligible for traditional temporary insurance.

How to limit the impact of your history on temporary insurance?

• Choose specialist insurers with a “risk profile” or “penalty”
• Provide a clear, complete, and transparent profile (previous claims, justified terminations)
• Prefer a shorter duration (1 to a few days) rather than a month, to limit the additional premium
• Compare several quotes, favor insurers who tolerate complex profiles
• Maintain good driving, without claims, to improve your future profile

Why choose KT Tempo in this context?

• Clear and transparent pricing, with possible indication of increases depending on profile
• Possibility of contacting for special cases (penalty profile, complicated history)
• Flexible solutions, adapted to short periods of use
• Expertise to support you and explain why such a bonus is applied

Conclusion

Although temporary insurance isn't always based on traditional CRM, your bonus-malus, insurance history , and past history often play a role in pricing or the acceptance of your application. By understanding these criteria, you can better anticipate offers and choose the right insurers. With KT Tempo, you have the transparency and support you need to navigate these situations.