Exiled abroad for 5 years, he lost all the bonus acquired on his French car insurance even though he had never had an accident

Alexandre a perdu son bonus auto sans avoir été impliqué dans le moindre accident (ILLUSTRATION). MAXPPP

Alexandre, who went to live in the United States for five years, learned on his return that the 0.50 bonus on his car insurance had been canceled. However, this resident of Bouches-du-Rhône had not been involved in any accident.

Back in France after five years in the United States, Alexandre bought a used vehicle. He then rushed to contact his insurer, the same one as before his departure, to sign a car insurance contract.

During the call, this resident of Bouches-du-Rhône gradually understands that he no longer benefits from his auto bonus. "J&amp ;rsquo;was considered a risky driver", he confided to our colleagues at Moneyvox.

This bonus-malus, being a system of modulation of the insurance premium according to the driver's behavior on the road, may be reduced if the motorist is responsible or partially responsible of a disaster.

Article A121-1-1

However, for Alexandre, there is no question of an accident. So, what happened ? In the event of an accident ;rsquo;interruption or termination of car insurance, and without proof of effective insurance during the last three years preceding the subscription of the contract, the bonus may be deleted, according to the article A121-1-1 of the Insurance Code.

Despite the fact that Alexandre had rented cars during his vacation and that he was "holder of an American license, nothing was done. did". He therefore did not hesitate to turn to another insurer, who gave him "returned" his bonus. Because, as our colleagues explain, insurance companies do not have the obligation to apply the deletion.