Protection for High-Risk Drivers – List of Insurers for High-Risk Drivers – BTS Insurance Course

In France, the law requires drivers to take out car insurance in order to drive legally. Drivers with a malus often find themselves at an impasse when it comes to getting insured. They may see their premium doubled or face refusal from insurers to issue a new contract. In cases of high malus, insurance for the malussed is necessary.

The CRM not only allows the driver to be accepted by an insurance company but also plays a role in determining the insurance premium amount. It is included in each driver’s record of information.

List of auto insurers with malus

Rank	Insurer	Advantages	Contact	Annual Price (approx.)
1	AssurOnline	Wide range of offers including coverage for malussed with multiple claims, legal protection options, and points recovery courses available.	01 86 65 98 68	On request
2	April	Specialist in coverage for malussed drivers and young drivers; comprehensive guarantees even with high malus.	01 86 65 98 68	On request
3	L’olivier	Online quotes 24/7, advisors based in France, three optional packs (accident assistance 0 km, replacement vehicle, extended driver coverage).	01 84 88 32 78	On request
4	Credit Agricole	Advantageous all-risk formulas, bonuses for low mileage, options such as breakdown+ and deductible buyback.	05 33 52 35 14	On request
5	Direct Assurance	Competitive rates, good coverage for malussed drivers, flexible coverage customization options.	01 55 92 26 92	On request
6	Allianz	Extended coverage including malussed drivers, specific offers based on risk profile, extended assistance, and more generous compensation than average.	01 48 74 00 00	On request
7	AXA	Wide range of guarantees, special offer for malussed drivers with additional services such as legal advice.	01 75 25 44 82	On request
8	Matmut	Solutions for malussed drivers focusing on returning to safe driving, including awareness workshops.	02 35 03 68 68	On request
9	GMF	Suitable for malussed civil servants, reduced rates and special advantageous conditions, full support in the event of a claim.	09 70 809 809	On request
10	MACIF	Commitments for responsible driving, discounts after claim-free periods, coverage for malussed drivers designed to improve risk profile.	09 69 39 49 49	On request

Notes:

• The prices on request indicate that the quote is personalized based on the driver’s specific profile, vehicle, and driving history.
• These details are subject to change and it is recommended to contact the insurer directly for precise, up-to-date information.

How to Use This Table?

This table is designed to give you a quick overview of the options available for drivers with a malus. For each insurer, you have the strengths of their offer for malussed drivers, a contact number, and an indication of price that will require a specific quote for your situation. Use this information as a starting point for more detailed research or to prepare specific questions before contacting an insurer.

Why Choose These Insurers?

Choosing from these insurers ensures you find coverage that recognizes and adapts to the particular challenges posed by a high malus. They often offer more flexible conditions to help malussed drivers regain a preferred rate and adequate coverage after a claim-free period, in accordance with the “rapid descent rule”.

What is a Malussed Driver?

The bonus-malus, or reduction-majoration coefficient or CRM, is a coefficient applied to your insurance rate at each annual renewal.

In the definition of bonus-malus, it’s important to know that a coefficient below 1 reduces your premium. Above 1, it increases it. The malus represents the amount when the driver is responsible for an accident. It is expressed as a percentage. Each responsible claim results in a 25% increase in the coefficient applied to the premium.

For a shared responsibility accident, the malus is halved, i.e., 12.5%.

In vehicle insurance, there is a nearly systematic classification of drivers based on their profile. When a insured presents themselves to an insurance company to insure your car, it usually doesn’t take long before you are assigned a driver profile.

Depending on your driving experience (young driver, experienced driver) and/or your past (accidents, terminated driver, etc.), you will be classified as a young driver, a malussed driver, a claims driver, etc. Be aware that this driver profile directly influences the cost of your auto insurance.

Insurers apply a malus for young drivers due to their lack of experience. It only applies in cases of road accidents where the insured’s responsibility is partially or fully involved. However, for them, there is no penalty in case of a non-responsible accident or glass breakage, theft, or vandalism.

How Does One Become Malussed?

A malussed driver is not necessarily a poor driver. It is, unfortunately, easy to become a “risky” or “malussed” profile. Particularly after:

• Three consecutive glass breakages or responsible accidents.
• License suspension or an accident due to speeding above the authorized limit.
• License suspension or an accident due to blood alcohol level exceeding the legal limit.
• Multiple payment difficulties.

After 2 years without a responsible accident, your malus is canceled, and your coefficient automatically drops to 1.

Subsequently, each year of driving without a responsible accident increases your bonus by 5%.

If you have a bonus of 0.50 for at least 3 years, your first responsible accident in 3 years will not affect your rate.

The bonus-malus or “reduction-majoration coefficient” follows you throughout your insured career: it appears in the information record that your new insurer will necessarily request and will determine your premium amount.

Can the insurer cancel a car insurance contract after an accident?

After an accident, the insurer has the right to cancel the mandatory liability coverage outside of renewal:

If the driver of the insured car was intoxicated or under drug influence;

If the accident is a violation of the Traffic Code resulting in a judicial or administrative decision to suspend the driver’s license for at least one month, or a decision to revoke that license.

This rule is found in Article A. 211-1-2 of the Insurance Code

What to do if you have difficulty finding insurance for a malussed driver?

To subscribe to a new insurance contract, each future insured must present an information record. The insurer sends this annually on the contract’s renewal date or upon the insured’s request. It includes the number of declared claims over a 5-year period.

It also indicates the coefficient obtained (malus or bonus).

Many insurers refuse coverage to malussed drivers. Some even go as far as ending their contracts. Some insurance companies specialize in coverage for malussed drivers.

Fortunately, today there are auto insurance policies specifically reserved for people with a malus or those who have been canceled.

Calling the BCT:

If you experience two consecutive refusals from insurers to subscribe to a canceled auto insurance contract for a malussed driver, you can appeal to the Central Tarification Office.

This French government body’s main mission is to intervene with insurers when a driver faces difficulties in obtaining auto coverage. When a driver who has faced two refusals approaches them, they require the insurer to set up a specific contract.

The BCT evaluates the insured’s profile and sets the amount of your insurance premium. However, it is the insured’s choice to select their future insurer.

The BCT can therefore compel a company to provide you with minimum coverage for a year. However, it cannot force you to subscribe to additional guarantees.

If this option is accessible to everyone, the procedures can be lengthy and sometimes tedious: it can take up to three months to be insured again.

See what other insurers offer?

It is still possible to insure yourself despite a significant malus thanks to specialized auto insurance policies called “Malussed car insurance.”

Before requesting coverage from malussed insurers:

It is better not to own a large engine in addition to a significant malus.

Auto insurances for malussed drivers generally cover third-party liability, and some accept to validate certain guarantee extensions.

It is preferable that the car be parked in a private lot rather than on the street.

This alternative can allow malussed drivers to consider different offers. Other insurers may have better rates for the same coverage.

Practical Tips for Negotiating with Insurers

1. Thoroughly Assess Coverage Needs:

   • Before contacting insurers, determine the required coverage level (liability, comprehensive, etc.) and desired options (assistance, legal protection, replacement vehicle).

2. Compare Carefully:

   • Use online comparison tools and request quotes from multiple insurers to compare prices and coverage options.

3. Discuss Details with Insurers:

   • Don’t rely solely on rates; discuss the specific terms of policies. Ask about exclusions, deductibles, and renewal conditions.

4. Negotiate Rates:

   • With your history and specific needs in hand, don’t hesitate to negotiate. Insurers may offer discounts to attract or retain clients, especially for malussed drivers.

5. Consider Claims History:

   • If you have a malus but a recent period without claims, highlight this to negotiate a lower premium.

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Key Takeaways for Insurance for Malussed Drivers

Section	Details
Choosing Insurers	– Why: Adaptation to the challenges of drivers with high malus – Offers: Flexible conditions, “fast descent rule”
Definition of a Malussed Driver	– CRM: Coefficient adjusting the insurance premium – Effects of Malus: +25% per responsible claim, +12.5% if shared responsibility
Driver Profiling	– Based on: Experience and accident history – Consequences: Directly on the insurance cost
Becoming Malussed	– Causes: Responsible accidents, serious infractions, payment issues – Malus Cancellation: After 2 years without responsible claims
Insurer Cancellation	– Permitted cases: Drunk driving, serious violations – Legal basis: Article A. 211-1-2 of the Insurance Code
Finding Insurance	– Difficulties: Presentation of the information record required – Refusal of Coverage: Recourse to the Central Tarification Office after two refusals
Insurance for Malussed Drivers	– Special Offers: For malussed or canceled drivers – Advice: Less powerful vehicles, secure parking

For More Information

• Subscription and Cancellation: Understanding the acceptance or refusal criteria of insurers.
• Optimizing Coverage: Assessing specific coverage terms, including possible extensions for malussed drivers.

For Further Exploration