What exactly does bonus-malus mean for a motorbike insurance?
Are you already familiar with the term bonus-malus with regard to motorbike insurance? During the term of your motorbike insurance policy you build up claim-free years. Every year that you do not claim any damage from the insurer is a damage-free year. The more claim-free years you build up, the more premium discount you will receive. When you take out motorbike insurance, you fill in how many claim-free years you have already accrued. The insurer will then calculate the exact amount of premium discount you will receive based on the bonus-malus system. In this article we will explain how the bonus-malus system works for a motorbike insurance.
What is no-claims bonus?
The bonus-malus system, also called bonus malus ladder, is a table that insurers use to determine the no-claim discount for your motorbike insurance. The premium discount you receive is determined on the basis of your accumulated no-claim years. The higher you are on the bonus malus ladder, the more no-claim discount you will receive. Each insurer has its own no-claim discount scheme. This means that you may receive more discount from one motor insurer than from another. Also the number of steps you fall back when you claim damage can differ per insurer. The bonus-malus regulation of your insurer can always be found in the policy conditions of your insurance.
What are negative claim-free years?
You may also experience negative claim-free years. Every time you make a claim, you fall back a few years on the no-claims bonus ladder. It is therefore possible that you fall below zero and therefore have a negative number of claim-free years. Therefore, in case of damage, it is always wise to calculate what is more advantageous: paying for the repair yourself or claiming the damage from the insurer, which means that your premium will increase.
Bonus-malus calculation for motor insurance
To calculate your premium discount, look at the bonus-malus ladder of your motorbike insurance. On the basis of your accumulated claim-free years you will see on which step you are. Behind it you will see how much no-claim discount you will receive. You can also see how many steps you drop in the event of one or more claims. Below an example of the no-claim discount ladder for a motorbike insurance:
Number of claim-free years | Bonus-malus step | Discount rate | New claim-free years after 0 claims | After 1 damage | After 2 damages | After 3 damages |
---|---|---|---|---|---|---|
16 or more | 20 | 80 | +1 | 10 | 5 | 0 |
15 | 20 | 80 | 16 | 10 | 5 | 0 |
14 | 20 | 80 | 15 | 9 | 4 | -1 |
13 | 19 | 80 | 14 | 8 | 3 | -2 |
12 | 18 | 80 | 13 | 7 | 2 | -3 |
11 | 17 | 80 | 12 | 6 | 1 | -4 |
10 | 16 | 80 | 11 | 5 | 0 | -5 |
9 | 15 | 80 | 10 | 4 | -1 | -5 |
8 | 14 | 80 | 9 | 3 | -2 | -5 |
7 | 13 | 75 | 8 | 2 | -3 | -5 |
6 | 12 | 70 | 7 | 1 | -4 | -5 |
5 | 11 | 65 | 6 | 0 | -5 | -5 |
4 | 10 | 60 | 5 | -1 | -5 | -5 |
3 | 9 | 55 | 4 | -2 | -5 | -5 |
2 | 8 | 50 | 3 | -3 | -5 | -5 |
1 | 7 | 45 | 2 | -4 | -5 | -5 |
0 | 6 | 35 | 1 | -5 | -5 | -5 |
-1 | 5 | 20 | 0 | -5 | -5 | -5 |
-2 | 4 | +10 | -1 | -5 | -5 | -5 |
-3 | 3 | +40 | -2 | -5 | -5 | -5 |
-4 | 2 | +40 | -3 | -5 | -5 | -5 |
-5 | 1 | +40 | -4 | -5 | -5 | -5 |
Take out motorcycle insurance directly at Alpina.nl!
The motorbike insurance with the best conditions at the lowest premium can be found by comparing providers. Start comparing by entering your license plate number and postal code in our online comparison tool. Then fill in your claim-free years and choose a coverage. After this, you will get an overview of all motorbike insurances that match your details. You can compare them on price and content. You can also look directly at the bonus-malus ladders in the conditions. This way you can immediately see which no-claim discount scheme the insurer applies. Do you still have questions? Then please contact us!
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