Consumer and banking · Car insurance · the coefficient
Check your French car insurance bonus-malus coefficient
French car-insurance bonus-malus is a coefficient, separate from the total premium. In the ordinary regime, check the reference period, counted claims and liability, then the reductions, increases and rounding in the annex to A121-1. Particular uses and situations have different rules. The information statement supports a precise request for explanation; a higher bill alone does not prove a coefficient error.
- Official texts cited
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- Drafted with AI assistance, our method
General legal information with official references and dated checks. It is not personalised advice: for a decision that commits you, have your situation checked by a qualified professional.
Julie by AlphaDeep
Should the coefficient be rounded to the nearest hundredth?
Your bonus-malus differs from the statement: let’s separate period, claims, coefficient and base tariff.
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Why can the premium rise without a bonus-malus error?
The bill combines the coefficient, base tariff, cover, taxes and separate increases. Request a breakdown instead of comparing two totals. A121-1 also defines a scope with exclusions; verify actual vehicle use and contract before simulation.
Related step: Consumer and banking
Code des assurances, article A121-1 : champ du bonus-malusCode des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Which illustrative coefficient can be checked against your statement?
Fictional example: coefficient 1.20 and one ordinary claim-free year give 1.14, before checking conditions.
Fictional example · Your preparation worksheet
Simulation of one ordinary annual step: the coefficient is not the final premium and liability is supplied, not decided here.
| Item to check | Value or document |
|---|---|
| Illustrative coefficient after the step | 1.14; reconcile with the statement |
Reconcile the information statement, renewal and counted-claim history.
Check liability, exclusions, 0.50 protection and period; do not infer them from repair cost.
Request separate coefficient, base tariff, taxes and other increases.
Ordinary branch limited to no or one counted claim, with a checked period. The calculation does not classify an accident, certify protection or compare insurers.
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Which ordinary calculations can the statement help check?
Ordinary rules provide a five-percent claim-free reduction and a twenty-five-percent increase for a fully liable claim; the increase is halved for shared liability. The coefficient is truncated to two decimals, between 0.50 and 3.50. Tournées or Tous Déplacements use different rates.
Related step: Cancel a subscription or contract in France: when you can leave, and how
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
How should two claim-free years and 0.50 protection be read?
After two consecutive claim-free years, the applicable coefficient cannot exceed one; a lower coefficient is not raised to one for that reason. The first claim after at least three years at 0.50 has special protection. Verify history and conditions before relying on it.
Related step: Insurance misrepresentation and nullity in France
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Which period should be compared with annual renewal?
The regime’s reference period is not automatically the calendar year: the annual period ends two months before renewal. Short initial periods and interruptions need their own checks. If the period or multiple claims remain uncertain, the tool organises records without inventing a coefficient.
Related step: Review a French road-accident compensation offer
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Which elements should the bonus-malus check separate?
| Element | Check |
|---|---|
| History | Period and counted claims |
| Calculation | Rates, truncation and limits |
| Exceptions | Use, 0.50 and excluded events |
| Invoice | Base tariff and other items |
Code des assurances, article A121-1 : champ du bonus-malusCode des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
What does the governing text say about the coefficient?
Le coefficient obtenu est arrêté à la deuxième décimale et arrondi par défaut.
Après deux années consécutives sans sinistre, le coefficient applicable ne peut être supérieur à 1.
In plain English: The coefficient has its own period and exceptions; a simulation decides neither premium nor liability.
What should be requested to correct the statement?
Request the information statement and connect each disagreement to an event, date and record. Since 24 July 2025, the annex provides for the European model and delivery on termination or within fifteen days of an express request. Remove identities from public examples and retain originals.
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
What else should you know about the coefficient?
Should the coefficient be rounded to the nearest hundredth?
No. The annex provides truncation at the second decimal.
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Do two claim-free years remove a 0.70 coefficient?
No. The text caps the coefficient at one in that situation; it does not raise a lower coefficient.
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Does the tool decide accident liability?
No. Liability and counted claims must be checked against insurer records.
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Does a 2018 statement establish the current regulatory model?
No. Check the applicable version; the current annex changed in July 2025.
Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informations
Which sources explain the coefficient?
- Code des assurances, article A121-1 : champ du bonus-malusLégifrance
- Code des assurances, annexe à l’article A121-1 : coefficient et relevé d’informationsLégifrance
- Service-Public : bonus-malus automobileService-Public / DILA
Texts cited last checked: 20 October 2026