How the bonus-malus and your insurance history impact the price of temporary insurance
Temporary insurance policies don't always use a no-claims bonus/penalty system, but your driving history (penalties, cancellations, interruptions) can significantly influence the price or acceptance. Compare quotes and choose insurers with a more lenient policy.
Do you think temporary insurance is always accessible, regardless of your insurance history? In reality, your no-claims bonus/penalty and driving record play a significant role in the price offered. This article explores how these criteria influence pricing, with concrete examples and tips to minimize 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 history: fewer at-fault accidents = bonus; at-fault accidents = malus.
Generally, a year without a claim allows you to reduce your coefficient by 5%.
Conversely, each at-fault accident can increase the coefficient by 25%.
But be careful: the bonus-malus is calculated on the 12-month period preceding the due date, offset by two months.
Temporary insurance: is the bonus-malus system applied?
Temporary insurance and CRM: a legal perspective
According to AcommeAssure, temporary car insurance rates are not based on the no-claims bonus/penalty system . This means that the no-claims bonus/penalty is not always directly taken into account for short-term contracts.
However, some companies may still take your insurance history into account, particularly for “risky” or penalty point profiles.
Example: temporary insurance penalty
- Assushop offers specific packages covering drivers with a penalty or foreign registration.
- Some insurers consider the driver's overall history, even though the classic CRM is not strictly applied in temporary policies.
Therefore, according to the insurer, your penalty points or your history may influence the temporary premium, either through a discreet increase, or via refusal or a higher-cost profile.
Concrete examples: how history can influence the price
Case 1: Driver without an accident for 10 years
Even without CRM implementation, you still benefit from credibility. The insurer may consider your profile reliable, offer a more competitive rate, or accept you without a surcharge.
Case 2: Driver with a recent penalty
For drivers with a penalty rating greater than 1, some companies may apply a "risk surcharge" even for temporary insurance, or refuse the offer altogether. Assushop offers temporary penalty-rating policies, but these can be quite expensive.
Case 3: History of interrupted insurance policies
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 damage or non-payment
In the event of cancellation due to a claim or non-payment, your profile is considered high-risk. Temporary insurers may require additional coverage or refuse coverage altogether.
Case 5: Young driver with prior history
Young drivers with prior claims or penalty points often face high premiums or are refused coverage, even for temporary insurance. For example, they often need to prove they've held a license for two years to be eligible for standard temporary insurance.
How can you limit the impact of your history on temporary insurance?
- Choose insurers specializing in “high-risk profiles” or “penalty points”
- Provide a clear, complete, and transparent profile (previous claims, justified cancellations)
- Opt for a shorter duration (1 to a few days) rather than a month, to limit the additional premium.
- Compare several quotes, and favor insurers who are tolerant of complex profiles.
- Maintaining a good driving record, without accidents, will improve your future profile.
Why choose KT Tempo in this context?
- Clear and transparent pricing, with the option to indicate surcharges based on profile
- We can get in touch for special cases (penalty points, complicated history).
- Flexible solutions, adapted to short usage periods
- Expertise to guide you and explain why this particular bonus is applied
Conclusion
Even though temporary insurance policies don't always rely on traditional CRM (Customer Relationship Management) systems, your no-claims bonus/penalty, insurance history , and past experiences 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.