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How the Bonus-Malus System Works

The Bonus-Malus system adjusts your RCA insurance cost based on your driving history. Find out if you qualify for a discount or if you are considered a higher risk.
Check Your Bonus-Malus Class 2026

Required data:

  • Personal Numeric Code (CNP) and date of birth
  • IDNO and vehicle registration number

How Is Bonus or Malus Applied?

Bonus-Malus classes are adjusted annually based on your driving behavior and the history of reported accidents or claims.
Bonus
If you have had no accidents or claims within a certain period, you receive a discount on your insurance premium.
Malus
If you have been involved in accidents or have made claims, your premium cost will be higher. The system reflects your level of risk.

Why Is the Bonus-Malus Class Important?

This class directly influences how much you pay for RCA insurance. Knowing your status can help you save money and avoid penalties.
Risk Evaluation
Insurers use this class to assess whether you are a reliable or a higher-risk driver.
Motivation for Caution
The system encourages responsible driving behavior by offering financial benefits to drivers without incidents.
Impact on Budget
A Bonus class reduces your annual premium, while a Malus class can significantly increase your costs.
Frequently Asked Questions About Bonus-Malus
Common questions about the bonus-malus insurance system in Moldova.

What is the Bonus-Malus system?

Bonus-Malus is a classification system used by insurance companies in Moldova to adjust RCA premiums based on driving history. Safe drivers earn bonuses (discounts), while drivers with claims receive malus (surcharges).

How is my Bonus-Malus class determined?

Your class is determined by the number of insurance claims filed against your policy. Each claim-free year moves you one class up (bonus), while each claim can move you several classes down (malus).

What is the maximum Bonus-Malus discount?

After several consecutive claim-free years, you can reach the highest bonus class which offers a significant discount on your RCA premium. The exact percentages are set by BNM regulations.

What happens to my class after an accident?

If an insurance claim is filed where you are at fault, your Bonus-Malus class will decrease, resulting in a higher RCA premium at your next renewal. The severity of the drop depends on the number of claims.

What class does a new driver start with?

New drivers in Moldova start at the base class (class 0) with no bonus or malus applied. From there, each claim-free year earns a bonus class upgrade.

Insurance premium calculator
Get a quick estimate of the internal RCA insurance premium based on your personal data and the vehicle's identification details.