Comparis
Newsletter
en

Insurance

Cars & motorcycles

Property

Loans & mortgages

Price comparison

Healthcare & pensions

Other services

Comparis

Menu

InsuranceCar insuranceGlossary
Car insurance

Bonus evaluation of car insurance products

The bonus system has a large influence on the development of your premium. For this reason, comparis.ch has evaluated each insurer's bonus system as follows.


Evaluation criteria:

  • How long does it take until one is at the lowest premium level?
  • By how much do premiums go up following an accident after years of accident-free driving?
  • How large are the premium level intervals above 100%?
  • What is the average premium increase due to a premium level rise following an accident?
  • Is the entire casco insurance subject to the bonus system or just the collision damage premium?

Driver profiles:
These 5 criteria were analysed for 8 different typical driver profiles:

  • Profile #1: driven for 5 years (+/- 2 years) without accident
  • Profile #2: driven for 5 years (+/- 2 years), up to two claims
  • Profile #3: new policyholder (driving experience of up to 2 years)
  • Profile #4: long-term accident-free driver
  • Profile #5: long-term accident-free driver, up to two claims in the last 5 years
  • Profile #6: new driver with up to two claims in the last 2 years
  • Profile #7: older driver with decades of driving experience, three or more claims in the last 4 years
  • Profile #8: crash driver

Personal assessment:
On the basis of the data you submitted for the car insurance comparison, you will be attributed to one of the above profiles for the individual bonus system evaluation of liability insurance and comprehensive and collision insurance (full casco).

Compare premiums now

Bonus level increased?

Find car insurance that includes bonus protection!
Compare premiums

Back to top

Newsletter

Stay up-to-date with the latest savings deals as well as expert tips on health, money and tax.

By registering, I agree to my data being processed in accordance with the data privacy statement of comparis.ch.

comparis.ch
  • About Comparis

  • Career

Social Media
Language
  • DE
  • FR
  • IT
  • EN
  • Contact
  • Data privacy protection
  • Legal information
  • Credits

© 1996–2021 comparis.ch AG, Birmensdorferstrasse 108, 8003 Zurich, +41 44 360 52 62