Taking advantage to almost all French motorists, the bonus system is less and less business insurers ...
There are fewer and fewer customers malussés "is admittedly among insurers! Not surprising, since, according to the French Federation of Insurance Companies (FFSA), 97% of French motorists received a bonus in 2008. Better still, almost two thirds (64%) even reached the 50% bonus. It should be seen as the result of recent road safety measures, especially in speed. The disadvantage is that the system now seems fixed.
A legal loophole
Indeed, the bonus / penalty, as defined by the Act prohibits theoretically offer good drivers a reduction in premium above 50%. However, a decision of the Court of Justice of European Communities, released in 2004, paved the way for tariff preferences going beyond that threshold. Imitating Macif who had anticipated the call, and Axa Matmut rushed into the breach to offer additional premium reductions, which can reach 65% of the basic premium after six years the bonus 50. As a response, MAAF and MMA were launched in 2007 the bonus "definitive", which blocks the contribution to 50% of basic rate for drivers 50 without the bonus claim responsibility (accident caused) for three years. In the same spirit, AXA now offers bonus "long term", which does vary the contribution after the second claim responsibility for good drivers, while the law provides that this provision for a single accident caused.
Possible extent
Behind the sacrosanct 50 bonus will also disguise other benefits, which raises the question of the logic of bonus / malus. "The insurers all have an irreducible level of contribution required to cover administrative costs and pooling, consider Arnaud Yann, head of auto division Macif. Thus, if the end of the bonus / malus could afford to drop a little contribution of good drivers, it would probably upsetting the principle of sharing that allows a relative contributions of harmonization.
There are fewer and fewer customers malussés "is admittedly among insurers! Not surprising, since, according to the French Federation of Insurance Companies (FFSA), 97% of French motorists received a bonus in 2008. Better still, almost two thirds (64%) even reached the 50% bonus. It should be seen as the result of recent road safety measures, especially in speed. The disadvantage is that the system now seems fixed.
A legal loophole
Indeed, the bonus / penalty, as defined by the Act prohibits theoretically offer good drivers a reduction in premium above 50%. However, a decision of the Court of Justice of European Communities, released in 2004, paved the way for tariff preferences going beyond that threshold. Imitating Macif who had anticipated the call, and Axa Matmut rushed into the breach to offer additional premium reductions, which can reach 65% of the basic premium after six years the bonus 50. As a response, MAAF and MMA were launched in 2007 the bonus "definitive", which blocks the contribution to 50% of basic rate for drivers 50 without the bonus claim responsibility (accident caused) for three years. In the same spirit, AXA now offers bonus "long term", which does vary the contribution after the second claim responsibility for good drivers, while the law provides that this provision for a single accident caused.
Possible extent
Behind the sacrosanct 50 bonus will also disguise other benefits, which raises the question of the logic of bonus / malus. "The insurers all have an irreducible level of contribution required to cover administrative costs and pooling, consider Arnaud Yann, head of auto division Macif. Thus, if the end of the bonus / malus could afford to drop a little contribution of good drivers, it would probably upsetting the principle of sharing that allows a relative contributions of harmonization.
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