{"id":12367,"date":"2026-02-04T11:38:11","date_gmt":"2026-02-04T08:38:11","guid":{"rendered":"https:\/\/destine-broker.ro\/?p=12367"},"modified":"2026-02-04T11:38:11","modified_gmt":"2026-02-04T08:38:11","slug":"how-the-bonus-malus-system-helps-you","status":"publish","type":"post","link":"https:\/\/destine-broker.ro\/en\/how-the-bonus-malus-system-helps-you\/","title":{"rendered":"How the bonus\u2013malus system helps you"},"content":{"rendered":"<p>The bonus\u2013malus system helps you pay a lower compulsory motor insurance (RCA) premium if you drive without accidents during a year. On the other hand, increases your costs if you cause damage.<\/p>\n<h2>What is the bonus\u2013malus system<\/h2>\n<p>The bonus\u2013malus system is a mechanism for adjusting the cost of compulsory motor insurance (RCA) based on your claims history.<\/p>\n<p><strong>Bonus<\/strong> \u2013 premium discounts if you had no claims during a year.<br \/>\n<strong>Malus<\/strong> \u2013 premium increases if claims paid by the insurer occurred in the previous year.<\/p>\n<p>In Romania, this system is regulated by specific legislation (including <a href=\"https:\/\/asfromania.ro\/en\/a\/1439\/aplica%C5%A3ie-online-pentru-identificarea-clasei-de-bonus-malus\" target=\"_blank\" rel=\"noopener\">ASF regulations<\/a>) and applies to all RCA policies.<\/p>\n<h2><img data-dominant-color=\"373947\" data-has-transparency=\"true\" style=\"--dominant-color: #373947;\" decoding=\"async\" class=\"alignnone size-full wp-image-12371 has-transparency\" src=\"https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/What-is-the-bonus\u2013malus-system.webp\" alt=\"How the bonus\u2013malus class works step by step\" width=\"863\" height=\"503\" srcset=\"https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/What-is-the-bonus\u2013malus-system.webp 863w, https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/What-is-the-bonus\u2013malus-system-300x175.webp 300w, https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/What-is-the-bonus\u2013malus-system-768x448.webp 768w, https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/What-is-the-bonus\u2013malus-system-350x204.webp 350w\" sizes=\"(max-width: 863px) 100vw, 863px\" \/><\/h2>\n<h2>How the bonus\u2013malus class works step by step<\/h2>\n<p><strong>Initial assignment<\/strong><br \/>\nWhen you take out your first RCA policy, you are placed in class B0 (neutral level, with no discounts or surcharges).<\/p>\n<p><strong>Reference year<\/strong><br \/>\nAt each renewal, it is assessed whether you had claims paid during the previous calendar year.<\/p>\n<p><strong>No claims \u2192 Bonus<\/strong><br \/>\nIf you had no paid claims, you move up the bonus scale and will pay a lower premium for the next policy. After several consecutive claim-free years, the discount can reach up to approximately 50%.<\/p>\n<p><strong>Claims \u2192 Malus<\/strong><br \/>\nIf you had claims paid by the insurer, you are moved down the malus scale and will pay a higher premium. A cost increase that can reach up to +80%.<\/p>\n<p><strong>Bonus\/malus classes<\/strong><\/p>\n<p>The system includes bonus classes (for example B1\u2013B8) and malus classes (for example M1\u2013M8). These classes determine the percentage discount or surcharge applied to the insurance premium.<\/p>\n<p><strong>Application<\/strong><br \/>\nYour class is retained even if you change insurers. It is also recorded in the national bonus\u2013malus database used by all RCA insurers in Romania.<\/p>\n<h3>Examples of a bonus-malus system<\/h3>\n<p><strong>Bonus:<\/strong><br \/>\nA driver who has had no claims in the last 5 years may be placed in bonus classes (for example B5 or B8). This way, reducing the RCA cost by up to 50% compared to the base rate.<\/p>\n<p><strong>Malus:<\/strong><br \/>\nIf in the past year you had an accident for which the insurer paid compensation, you may be downgraded to malus classes (for example M1\u2013M3). This can increase the insurance cost by several tens of percent, including up to +80%.<\/p>\n<h2><img data-dominant-color=\"6a6c6c\" data-has-transparency=\"true\" style=\"--dominant-color: #6a6c6c;\" decoding=\"async\" class=\"alignnone size-full wp-image-12373 has-transparency\" src=\"https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/Why-the-bonus-malus-system-matters.webp\" alt=\"Why the bonus\u2013malus system matters for drivers\" width=\"863\" height=\"503\" srcset=\"https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/Why-the-bonus-malus-system-matters.webp 863w, https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/Why-the-bonus-malus-system-matters-300x175.webp 300w, https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/Why-the-bonus-malus-system-matters-768x448.webp 768w, https:\/\/destine-broker.ro\/wp-content\/uploads\/2026\/02\/Why-the-bonus-malus-system-matters-350x204.webp 350w\" sizes=\"(max-width: 863px) 100vw, 863px\" \/><\/h2>\n<h2>Why the bonus\u2013malus system matters<\/h2>\n<p><strong>Direct savings<\/strong><br \/>\nYou can pay less for RCA when you drive responsibly and without claims.<\/p>\n<p><strong>Higher costs for higher risk<\/strong><br \/>\nDrivers with a history of paid claims pay more, reflecting a higher risk for the insurer.<\/p>\n<p><strong>Encouragement of prudent driving<\/strong><br \/>\nThe system encourages a <strong><a href=\"https:\/\/destine-broker.ro\/en\/defensive-driving-and-managing-critical-traffic-situations\/\" target=\"_blank\" rel=\"noopener\">defensive driving<\/a><\/strong> in order to keep insurance costs lower.<\/p>\n<p>The bonus\u2013malus system adjusts the <strong><a href=\"https:\/\/destine-broker.ro\/en\/insurances\/rca-insurance\/\" target=\"_blank\" rel=\"noopener\">RCA insurance<\/a><\/strong> premium based on claims history. Discounts for drivers without claims (bonus) and increases for those with paid claims (malus). Discounts can reach up to approximately 50% and penalties up to approximately 80%. Your class is retained and recognized by all RCA insurers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The bonus\u2013malus system helps you pay a lower compulsory motor insurance (RCA) premium if you drive without accidents during a year. On the other hand, increases your costs if you cause damage. What is the bonus\u2013malus system The bonus\u2013malus system is a mechanism for adjusting the cost of compulsory motor insurance (RCA) based on your<\/p>\n","protected":false},"author":32,"featured_media":12369,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-12367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bonus-malus system and how it helps you<\/title>\n<meta name=\"description\" content=\"The bonus\u2013malus system adjusts the RCA insurance based on claims history: increases for those with paid claims, discounts for those without.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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