Bonus-malus simulator (CRM)
Measure the effect of a claim on your no-claims coefficient and project your return to the maximum bonus, using the official rules of the French Insurance Code.
Your situation
A NOT-at-fault claim (or glass breakage, theft, fire…) does not change your coefficient.
At your next renewal
Current CRM
1.00
New CRM
0.95
Your reference premium is multiplied by this coefficient: below 1.00, you pay less than the base rate.
And then, without any claim?
| Year | CRM |
|---|---|
| +1 | 0.90 |
| +2 | 0.85 |
| +3 | 0.80 |
| +4 | 0.76 |
| +5 | 0.72 |
| +6 | 0.68 |
| +7 | 0.64 |
| +8 | 0.60 |
| +9 | 0.57 |
| +10 | 0.54 |
Indicative simulation based on the annex to article A121-1 of the French Insurance Code; your insurer applies the exact contractual calculation (claims history statement prevails).
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Result explained
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