How bonus-malus (driver class) is calculated

Every accident-free year lowers OGPO cost, while at-fault payouts raise it. How the class scale works and how to get up to 50% off.

Bonus-malus is the driver class that directly affects the OGPO price. The safer you drive, the cheaper the policy.

How the system works

Each driver is assigned a class. An accident-free year raises the class and gives a discount; an at-fault accident lowers it and makes the policy more expensive.

The class is tied to the driver and stays when you change car or insurer.

Classes and coefficients

The scale runs from class M with the maximum surcharge to the class with the maximum 50% discount. A new driver starts at a middle class with a coefficient near 1.0.

A single at-fault accident can drop you several classes and noticeably raise next year's price.

How to keep and improve your class

The key is driving without at-fault accidents. Minor accidents can be handled via the europrotocol.

You can check your current class in the unified database by IIN before buying a policy.

Key takeaways

• Every accident-free year lowers the OGPO price.
• The class belongs to the driver, not the car.
• The maximum bonus-malus discount is 50%.