{"id":3910,"date":"2015-09-06T12:08:38","date_gmt":"2015-09-06T10:08:38","guid":{"rendered":"https:\/\/www.legipermis.com\/blog\/?p=3910"},"modified":"2021-08-30T11:17:05","modified_gmt":"2021-08-30T09:17:05","slug":"bonus-malus-le-calcul-comment-ca-marche","status":"publish","type":"post","link":"https:\/\/www.legipermis.com\/blog\/2015\/09\/06\/bonus-malus-le-calcul-comment-ca-marche\/","title":{"rendered":"Bonus-Malus, le calcul, comment \u00e7a marche ?"},"content":{"rendered":"<div style=\"text-align:right;\"><em style=\"font-size:12.9px;font-weight:bold;\" class=\"last-modified\">Mis \u00e0 jour le 30\/08\/2021.<\/em><\/div><p>Au moment d&#8217;\u00e9voquer le co\u00fbt d&#8217;une assurance auto, <strong>le bonus-malus<\/strong> est un crit\u00e8re essentiel afin de repr\u00e9senter au mieux l&#8217;historique de conduite d&#8217;un assur\u00e9. Il permet de faire varier \u00e0 la hausse ou \u00e0 la baisse le tarif de la cotisation d&#8217;assurance que vous devez payer chaque ann\u00e9e \u00e0 \u00e9ch\u00e9ance du contrat d&#8217;<a href=\"\/assurance-auto\/\">assurance auto<\/a>.<!--more-->Ce coefficient CRM suit le conducteur, m\u00eame en cas de changement de v\u00e9hicule ou d&#8217;assurance en France. Au d\u00e9but ce coefficient est de 1 puis varie au fil du temps \u00e0 chaque date anniversaire de la date d\u2019\u00e9ch\u00e9ance du contrat.<\/p>\n<p>Retrouvez notre page de r\u00e9f\u00e9rence sur le <a href=\"\/assurance-auto\/bonus-malus.html\">Bonus-Malus<\/a>.<\/p>\n<h2>Quels sont les accidents pris en compte ?<\/h2>\n<p>Le bonus-malus est un syst\u00e8me de modulation &#8220;r\u00e9duction-majoration&#8221; (on parle de coefficient CRM : Coefficient de R\u00e9duction Majoration) de la prime de r\u00e9f\u00e9rence de votre assurance automobile en fonction des sinistres, il est pr\u00e9vu dans le Code des assurances.<\/p>\n<p>Les accidents pris en compte sont ceux\u00a0dont vous \u00eates <strong>partiellement ou totalement responsable<\/strong>. Si l&#8217;accident est le fait d&#8217;un tiers, ce sinistre ne modifiera pas le coefficient. Il faut dont faire bien attention au moment de remplir le constat amiable ! Cette r\u00e8gle est valable avec une assurance au tiers ou une assurance tous risques.<\/p>\n<p>La p\u00e9riode prise en compte dans le calcul du bonus-malus est celle<span class=\"upper\"><strong>\u00a0<\/strong>des 12<\/span>\u00a0mois pr\u00e9c\u00e9dant les 2 mois avant\u00a0l&#8217;\u00e9ch\u00e9ance annuelle du contrat.<\/p>\n<p><strong>Le coefficient bonus-malus n&#8217;est pas modifi\u00e9 dans les cas suivants :<\/strong><\/p>\n<ul>\n<li>Lors d&#8217;un accident provoqu\u00e9 par un\u00a0cas de force majeure comme les catastrophes naturelles.<\/li>\n<li>Lorsque les garanties &#8220;vol&#8221;, &#8220;incendie&#8221; et &#8220;bris de glace&#8221; seules sont impliqu\u00e9es.<\/li>\n<li>Lors d&#8217;un accident par\u00a0la responsabilit\u00e9 d&#8217;un tiers.<\/li>\n<\/ul>\n<h2>Calcul du bonus<\/h2>\n<p>Sans accident responsable vous pourrez cumuler <strong>5% de bonus par an<\/strong> jusqu&#8217;\u00e0 un maximum de 50%, ce qui correspond \u00e0 un montant de prime d&#8217;assurance divis\u00e9 par 2. Ce pourcentage est relatif \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente, il faut donc <strong>13 ans pour atteindre ce bonus maximum<\/strong>. Chaque ann\u00e9e, on diminue de 5% le coefficient de l&#8217;ann\u00e9e pr\u00e9c\u00e9dente. Il existe des calculatrices de bonus-malus comme le propose <a href=\"https:\/\/mon-bonus-malus.fr\/\">Mon-Bonus-Malus.fr<\/a>. Voici le tableau de calcul du bonus d&#8217;assurance auto :<\/p>\n<table class=\"table table-striped aligncenter\" style=\"border-color: #878787;\" border=\"1\">\n<tbody>\n<tr>\n<td>Nombre d&#8217;ann\u00e9es sans accident<\/td>\n<td>1<\/td>\n<td>2<\/td>\n<td>3<\/td>\n<td>4<\/td>\n<td>5<\/td>\n<td>6<\/td>\n<td>7<\/td>\n<td>8<\/td>\n<td>9<\/td>\n<td>10<\/td>\n<td>11<\/td>\n<td>12<\/td>\n<td>13<\/td>\n<\/tr>\n<tr>\n<td>Coefficient bonus<\/td>\n<td>1<\/td>\n<td>0,95<\/td>\n<td>0,90<\/td>\n<td>0,85<\/td>\n<td>0,80<\/td>\n<td>0,76<\/td>\n<td>0,72<\/td>\n<td>0,68<\/td>\n<td>0,64<\/td>\n<td>0,60<\/td>\n<td>0,57<\/td>\n<td>0,51<\/td>\n<td>0,50<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Exemple du calcul d&#8217;un bonus auto<\/h3>\n<p>Vous n&#8217;avez pas eu d&#8217;accident responsable depuis 5 ans, vous \u00eates donc dans la 6\u00e8me ann\u00e9e et votre coefficient est de 0,76. Votre cotisation de base est de 600\u20ac, vous paierez donc \u00a0: 600 x 0,76 = 456\u20ac.<\/p>\n<h2>Calcul du malus<\/h2>\n<p>Une majoration de 25% est appliqu\u00e9e pour chaque sinistre o\u00f9 vous \u00eates responsable. Le coefficient de l&#8217;ann\u00e9e pr\u00e9c\u00e9dente sera multipli\u00e9 par <strong>1,25 lors d&#8217;une responsabilit\u00e9 totale<\/strong> et <strong>1,125 pour une responsabilit\u00e9 partielle<\/strong>. Le <strong>malus maximal est de 3,5<\/strong>. \u00a0N\u00e9anmoins en cas de sinistres avec des\u00a0circonstances aggravantes\u00a0comme <a href=\"\/infractions\/alcool-permis-conduire.html\" target=\"_blank\" rel=\"noopener noreferrer\">la conduite en \u00e9tat alcoolique<\/a>, le\u00a0d\u00e9lit de fuite ou\u00a0<a href=\"\/retrait-permis\/suspension-du-permis-de-conduire.html\" target=\"_blank\" rel=\"noopener noreferrer\">la\u00a0suspension de permis<\/a>, un malus suppl\u00e9mentaire peut \u00eatre appliqu\u00e9 par l&#8217;assureur.<\/p>\n<h3>Malus par an<\/h3>\n<ul>\n<li>Accident responsable : x 1,25<\/li>\n<li>Accident partiellement responsable : x 1,125<\/li>\n<\/ul>\n<p>Au bout de <strong>2 ans sans sinistre<\/strong>,\u00a0un malus sup\u00e9rieur \u00e0 100% reviendra \u00a0\u00e0 100%. Aussi, si vous \u00eates au bonus maximum depuis au moins 3 ans, c&#8217;est \u00e0 dire 0.50 (50%) et que vous commettez un accident responsable, vous n&#8217;aurez aucun malus et conserverez votre bonus maximum.<\/p>\n<p>Voir <a href=\"\/assurance-auto\/conducteur-malus.html\">assurance auto conducteur maluss\u00e9<\/a>.<\/p>\n<h3>Exemple du calcul d&#8217;un malus\u00a0auto<\/h3>\n<p>Vous avez commis une infraction, un d\u00e9faut de priorit\u00e9 par exemple, et vous \u00eates responsable d&#8217;un accident la premi\u00e8re ann\u00e9e de votre vie d&#8217;assur\u00e9 auto. Votre prime de base est de 500\u20ac. La deuxi\u00e8me ann\u00e9e votre coefficient de malus sera de : 1,25 et votre cotisation annuelle d&#8217;assurance voiture de : 500 x 1,25 = 625\u20ac.<\/p>\n<p>Il est important d&#8217;utiliser un comparateur d&#8217;assurance auto pour comparer ce que chaque compagnie peut vous proposer en fonction de vos besoins avant de signer un nouveau contrat. Rendez-vous <a href=\"\/assurance-auto\/simulation.html\">sur cette page<\/a> pour voir quelque devis auto.<\/p>\n<p><em>Mis \u00e0 jour le 08\/03\/2018<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au moment d&#8217;\u00e9voquer le co\u00fbt d&#8217;une assurance auto, <strong>le bonus-malus<\/strong> est un crit\u00e8re essentiel afin de repr\u00e9senter au mieux l&#8217;historique de conduite d&#8217;un assur\u00e9. Il permet de faire varier \u00e0 la hausse ou \u00e0 la baisse le tarif de la cotisation d&#8217;assurance que vous devez payer chaque ann\u00e9e \u00e0 \u00e9ch\u00e9ance du contrat d&#8217;assurance auto.\u00a0[&#8230;]<\/p>\n","protected":false},"author":2,"featured_media":3922,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[407],"tags":[220,300,408,215,377],"class_list":["post-3910","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-auto","tag-assurance","tag-bonus","tag-malus","tag-prix","tag-tarif","post-1","odd"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Comment calcule-t-on un bonus ou un malus auto pour le tarif de la prime d&#039;assurance ? Quelle sont les sinistres qui modifient la donne ?\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Elodie Rabouteau\"\/>\n\t<meta name=\"keywords\" content=\"assurance,bonus,malus,prix,tarif\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.legipermis.com\/blog\/2015\/09\/06\/bonus-malus-le-calcul-comment-ca-marche\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"fr_FR\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Auto, moto, s\u00e9curit\u00e9 routi\u00e8re et permis | blog LegiPermis |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Bonus-malus assurance auto, comment \u00e7a marche ? - LegiPermis\" \/>\n\t\t<meta property=\"og:description\" content=\"Comment calcule-t-on un bonus ou un malus auto pour le tarif de la prime d&#039;assurance ? Quelle sont les sinistres qui modifient la donne ?\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.legipermis.com\/blog\/2015\/09\/06\/bonus-malus-le-calcul-comment-ca-marche\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2015-09-06T10:08:38+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2021-08-30T09:17:05+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/legipermis\/\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:site\" content=\"@LegiPermis\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Bonus-malus assurance auto, comment \u00e7a marche ? - LegiPermis\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Comment calcule-t-on un bonus ou un malus auto pour le tarif de la prime d&#039;assurance ? Quelle sont les sinistres qui modifient la donne ?\" \/>\n\t\t<meta name=\"twitter:creator\" content=\"@LegiPermis\" \/>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Bonus-malus assurance auto, comment \u00e7a marche ? - LegiPermis","description":"Comment calcule-t-on un bonus ou un malus auto pour le tarif de la prime d'assurance ? Quelle sont les sinistres qui modifient la donne ?","canonical_url":"https:\/\/www.legipermis.com\/blog\/2015\/09\/06\/bonus-malus-le-calcul-comment-ca-marche\/","robots":"max-image-preview:large","keywords":"assurance,bonus,malus,prix,tarif","webmasterTools":{"miscellaneous":""},"schema":null,"og:locale":"fr_FR","og:site_name":"Auto, moto, s\u00e9curit\u00e9 routi\u00e8re et permis | blog LegiPermis |","og:type":"article","og:title":"Bonus-malus assurance auto, comment \u00e7a marche ? - LegiPermis","og:description":"Comment calcule-t-on un bonus ou un malus auto pour le tarif de la prime d'assurance ? Quelle sont les sinistres qui modifient la donne ?","og:url":"https:\/\/www.legipermis.com\/blog\/2015\/09\/06\/bonus-malus-le-calcul-comment-ca-marche\/","article:published_time":"2015-09-06T10:08:38+00:00","article:modified_time":"2021-08-30T09:17:05+00:00","article:publisher":"https:\/\/www.facebook.com\/legipermis\/","twitter:card":"summary","twitter:site":"@LegiPermis","twitter:title":"Bonus-malus assurance auto, comment \u00e7a marche ? - LegiPermis","twitter:description":"Comment calcule-t-on un bonus ou un malus auto pour le tarif de la prime d'assurance ? Quelle sont les sinistres qui modifient la donne ?","twitter:creator":"@LegiPermis"},"aioseo_meta_data":{"post_id":"3910","title":"Bonus-malus assurance auto, comment \u00e7a marche ? - LegiPermis","description":null,"keywords":[],"keyphrases":{"focus":[],"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":[],"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[],"defaultGraph":"Article","defaultPostTypeGraph":""},"schema_type":"default","schema_type_options":"{\"article\":{\"articleType\":\"BlogPosting\"},\"course\":{\"name\":\"\",\"description\":\"\",\"provider\":\"\"},\"faq\":{\"pages\":[]},\"product\":{\"reviews\":[]},\"recipe\":{\"ingredients\":[],\"instructions\":[],\"keywords\":[]},\"software\":{\"reviews\":[],\"operatingSystems\":[]},\"webPage\":{\"webPageType\":\"WebPage\"}}","pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","location":null,"local_seo":{"locations":{"business":{"name":"","businessType":"","image":"","areaServed":"","urls":{"website":"","aboutPage":"","contactPage":""},"address":{"streetLine1":"","streetLine2":"","zipCode":"","city":"","state":"","country":"","addressFormat":"#streetLineOne\n#streetLineTwo\n#city, #state #zipCode"},"contact":{"email":"","phone":"","phoneFormatted":"","fax":"","faxFormatted":""},"ids":{"vat":"","tax":"","chamberOfCommerce":""},"payment":{"priceRange":"","currenciesAccepted":"","methods":""}}},"openingHours":{"useDefaults":true,"show":true,"alwaysOpen":false,"use24hFormat":false,"timezone":"","labels":{"closed":"","alwaysOpen":""},"days":{"monday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"},"tuesday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"},"wednesday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"},"thursday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"},"friday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"},"saturday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"},"sunday":{"open24h":false,"closed":false,"openTime":"09:00","closeTime":"17:00"}}}},"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2021-02-01 12:08:35","updated":"2022-09-20 10:33:52","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.legipermis.com\/blog\" title=\"Accueil\">Accueil<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.legipermis.com\/blog\/category\/assurance-auto\/\" title=\"Actualit\u00e9s assurance auto\">Actualit\u00e9s assurance auto<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tBonus-Malus, le calcul, comment \u00e7a marche ?\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Accueil","link":"https:\/\/www.legipermis.com\/blog"},{"label":"Actualit\u00e9s assurance auto","link":"https:\/\/www.legipermis.com\/blog\/category\/assurance-auto\/"},{"label":"Bonus-Malus, le calcul, comment \u00e7a marche ?","link":"https:\/\/www.legipermis.com\/blog\/2015\/09\/06\/bonus-malus-le-calcul-comment-ca-marche\/"}],"_links":{"self":[{"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/posts\/3910","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/comments?post=3910"}],"version-history":[{"count":0,"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/posts\/3910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/media\/3922"}],"wp:attachment":[{"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/media?parent=3910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/categories?post=3910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.legipermis.com\/blog\/wp-json\/wp\/v2\/tags?post=3910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}