Free sex bonus

Malus is an increase in the premium if there is a claim in the previous year.

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It is used, for example, in the call center and insurance industries.Such a system was proposed by Raghuram Rajan in January 2008.In France, the prices of insurance are calculated as function of the car type, subscribed insurance options, and also Bonus/Malus value (%), stating how many years the driver used the car without any accident or another event relevant to the insurance.Each country has a different legislation, which rules how many degrees an insurer may increase or decrease, the maximum bonus or malus allowed and which statistics insurers can use to evaluate the starting class of a driver.A BMS usually has an effect on road safety statistics, as it stimulates drivers to be careful and avoid accidents that would lead to the loss of bonus.

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