{"id":2642,"date":"2021-07-03T02:13:18","date_gmt":"2021-07-03T00:13:18","guid":{"rendered":"https:\/\/cspm-assurances.com\/?page_id=2642"},"modified":"2022-09-16T05:11:24","modified_gmt":"2022-09-16T03:11:24","slug":"comment-calculer-le-bonus-malus","status":"publish","type":"page","link":"https:\/\/cspm-assurances.com\/index.php\/comment-calculer-le-bonus-malus\/","title":{"rendered":"Comment calculer le Bonus \/ Malus"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb admin_label=\u00a0\u00bbHero\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; background_color=\u00a0\u00bb#f7f8fc\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/wp-content\/uploads\/2020\/09\/auto-5148314_1920.jpg\u00a0\u00bb background_position=\u00a0\u00bbbottom_left\u00a0\u00bb custom_padding=\u00a0\u00bb|||\u00a0\u00bb bottom_divider_style=\u00a0\u00bbasymmetric\u00a0\u00bb bottom_divider_height=\u00a0\u00bb40%\u00a0\u00bb bottom_divider_height_tablet=\u00a0\u00bb\u00a0\u00bb bottom_divider_height_phone=\u00a0\u00bb\u00a0\u00bb bottom_divider_height_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-35px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text content_tablet=\u00a0\u00bb<\/p>\n<h1 style=%22text-align: center;%22><strong>Assurez vos locaux professionnels<\/strong><\/h1>\n<p style=%22text-align: center;%22>en un clin d\u2019\u0153il avec notre produit MRP +<\/p>\n<p>\u00a0\u00bb content_phone=\u00a0\u00bb<\/p>\n<h1><strong>Comment est calcul\u00e9 mon bonus \/ malus<\/strong><\/h1>\n<p style=%22text-align: left;%22>L&rsquo;essentiel \u00e0 retenir<\/p>\n<p>\u00a0\u00bb content_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; text_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb text_line_height=\u00a0\u00bb2em\u00a0\u00bb header_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_font_size=\u00a0\u00bb40px\u00a0\u00bb header_line_height=\u00a0\u00bb1.4em\u00a0\u00bb header_2_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_4_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_5_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_6_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb max_width=\u00a0\u00bb600px\u00a0\u00bb custom_margin=\u00a0\u00bb||30px|\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bboff|desktop\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_text_color_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb30px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb22px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1><strong>Comment est calcul\u00e9 mon bonus \/ malus<\/strong><\/h1>\n<p>L&rsquo;essentiel \u00e0 retenir<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/index.php\/fiche-produit-assurance-automobile\/\u00a0\u00bb button_text=\u00a0\u00bbObtenir mon tarif\u00a0\u00bb button_alignment_tablet=\u00a0\u00bbcenter\u00a0\u00bb button_alignment_phone=\u00a0\u00bbcenter\u00a0\u00bb button_alignment_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_size=\u00a0\u00bb14px\u00a0\u00bb button_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb button_bg_color=\u00a0\u00bb#2ea3f2&Prime; button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_border_radius=\u00a0\u00bb4px\u00a0\u00bb button_letter_spacing=\u00a0\u00bb1px\u00a0\u00bb button_font=\u00a0\u00bbMontserrat|||on|||||\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb custom_margin=\u00a0\u00bb|||\u00a0\u00bb custom_padding=\u00a0\u00bb16px|40px|16px|40px|true|true\u00a0\u00bb button_icon_placement_tablet=\u00a0\u00bb\u00a0\u00bb button_icon_placement_phone=\u00a0\u00bbright\u00a0\u00bb button_icon_placement_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb button_border_radius_hover=\u00a0\u00bb4px\u00a0\u00bb button_letter_spacing_hover=\u00a0\u00bb1px\u00a0\u00bb button_bg_color_hover=\u00a0\u00bb#0053ef\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_radius__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_border_radius__hover=\u00a0\u00bb4px\u00a0\u00bb button_one_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_letter_spacing__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_letter_spacing__hover=\u00a0\u00bb1px\u00a0\u00bb button_one_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_bg_color__hover=\u00a0\u00bb#0053ef\u00a0\u00bb button_one_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb][\/et_pb_button][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb22px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Les\u00a0v\u00e9hicules exon\u00e9r\u00e9s de bonus \/ malus :<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul>\n<li>Les 2 roues tricycles ou quadricycles \u00e0 moteur d\u2019une puissance inf\u00e9rieure ou \u00e9gale \u00e0 80 cm3<\/li>\n<li>Les tracteurs agricoles et machines agricoles<\/li>\n<li>Les v\u00e9los ou trottinettes<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_text=\u00a0\u00bbComment calculer mon bonus si je n&rsquo;ai pas eu de sinistre \u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#7CDA24&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Dans le cas ou vous n&rsquo;avez pas d&rsquo;accident\u00a0responsable totalement ou partiellement, votre bonus \u00e9volue, le calcul est le\u00a0suivant :<strong> N-1 X 0,90<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_slider _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb content_width=\u00a0\u00bb90%\u00a0\u00bb content_max_width=\u00a0\u00bb100%\u00a0\u00bb min_height=\u00a0\u00bb100px\u00a0\u00bb height=\u00a0\u00bb252px\u00a0\u00bb max_height=\u00a0\u00bb198px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>La premiere ann\u00e9e on demarre avec un coefficient<\/h3>\n<h2><strong>100<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>Ensuite, \u00e0 l&rsquo;issue de la 1\u00e8re ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>100\u00a0<\/strong><strong>X 0,95 = 0,95<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 2\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,95\u00a0<\/strong><strong>X 0,95 = 0,90<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 3\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,90\u00a0<\/strong><strong>X 0,95 = 0,85<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 4\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,85\u00a0<\/strong><strong>X 0,95 = 0,80<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 5\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,80\u00a0<\/strong><strong>X 0,95 = 0,76<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 6\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,76\u00a0<\/strong><strong>X 0,95 = 0,72<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 7\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,72\u00a0<\/strong><strong>X 0,95 = 0,68<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 8\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,68\u00a0<\/strong><strong>X 0,95 = 0,64<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 9\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,64\u00a0<\/strong><strong>X 0,95 = 0,60<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 10\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,60\u00a0<\/strong><strong>X 0,95 = 0,57<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 12\u00e8me ann\u00e9e, le calcul est :<\/h3>\n<h2><strong>0,54\u00a0<\/strong><strong>X 0,95 = 0,51<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>\u00c0 l&rsquo;issue de la 13\u00e8me ann\u00e9e, votre bonus est de :<\/h3>\n<h2><strong>0,50<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide button_text=\u00a0\u00bbObtenez votre tarif auto\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/wp-content\/uploads\/2020\/09\/auto-5148314_1920.jpg\u00a0\u00bb background_enable_image=\u00a0\u00bbon\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb][\/et_pb_slide][\/et_pb_slider][et_pb_button button_text=\u00a0\u00bbComment est calcul\u00e9 mon malus lorsque j&rsquo;ai caus\u00e9 un sinistre \u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#E02B20&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul>\n<li>Si vous\u00a0\u00eates<strong>\u00a0totalement responsable<\/strong> du sinistre,\u00a0votre\u00a0coefficient conna\u00eetra\u00a0une\u00a0majoration\u00a0de<b> 25 %<\/b><\/li>\n<li><b><\/b>Si vous\u00a0\u00eates<strong>\u00a0partiellement\u00a0responsable <\/strong>du sinistre,\u00a0vous\u00a0aurez\u00a0une\u00a0augmentation de<b> 12,5 %<\/b><\/li>\n<li><b>Dans le cas ou\u00a0vous\u00a0n&rsquo;\u00eates pas du\u00a0tout\u00a0responsable de\u00a0l&rsquo;accident,\u00a0aucun\u00a0malus ne\u00a0pourra\u00a0\u00eatre\u00a0appliqu\u00e9 au\u00a0m\u00eame\u00a0titre que les\u00a0bris de glace, les accidents de stationnement, les\u00a0actes de\u00a0vandalisme &#8230;<\/b><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb22px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>R\u00e8gle de\u00a0calcul\u00a0d&rsquo;un\u00a0malus\u00a0\u00a0 \u00a0:<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul>\n<li>Dans le cas ou vous \u00eates\u00a0<strong>totalement responsable<\/strong> de l&rsquo;accident, vous avez un malus, le calcul est le\u00a0suivant :<strong>\u00a0CRM X 1,25 = <b>nouveau CRM<\/b><\/strong><\/li>\n<li>Dans le cas ou vous \u00eates\u00a0<strong>partiellement responsable<\/strong> de l&rsquo;accident, vous avez un malus, le calcul est le\u00a0suivant :<strong>\u00a0CRM X 1,125 =\u00a0<\/strong><b>nouveau CRM<\/b><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Notez que votre cotisation ne pourra pas conna\u00eetre une augmentation sup\u00e9rieure \u00e0 <strong>250 %<\/strong> \u00a0car le malus est plafonn\u00e9 \u00e0\u00a0<strong>3,50<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font_size=\u00a0\u00bb22px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Quelques exemples\u00a0\u00a0 :<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_slider _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb content_width=\u00a0\u00bb90%\u00a0\u00bb content_max_width=\u00a0\u00bb100%\u00a0\u00bb min_height=\u00a0\u00bb100px\u00a0\u00bb height=\u00a0\u00bb252px\u00a0\u00bb max_height=\u00a0\u00bb198px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>Exemple avec un conducteur sans ant\u00e9c\u00e9dent<\/h3>\n<h2><strong>CRM de depart : 1<\/strong><\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>1er accident responsable \u00e0 100 % :<\/h3>\n<h2>1 + 25 % = 1,25<\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>2\u00e8me accident responsable \u00e0 100 % :<\/h3>\n<h2>1,25 x 1,25 = 1,56<\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>3\u00e8me accident responsable \u00e0 100 % :<\/h3>\n<h2>1,56 x 1,25 = 1,95<\/h2>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<h3>R\u00e9p\u00e9tez le calcul jusqu&rsquo;\u00e0 la 6\u00e9me ann\u00e9e\u00a0:<\/h3>\n<h2>Plafond malus = 3,50<\/h2>\n<p>[\/et_pb_slide][et_pb_slide heading=\u00a0\u00bbConducteurs maluss\u00e9s, sinistr\u00e9s, r\u00e9sili\u00e9s&#8230;\u00a0\u00bb button_text=\u00a0\u00bbObtenez votre tarif en 10 min\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_level=\u00a0\u00bbh1&Prime; header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_font_size=\u00a0\u00bb31px\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/wp-content\/uploads\/2020\/09\/auto-5148314_1920.jpg\u00a0\u00bb background_enable_image=\u00a0\u00bbon\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#2ea3f2&Prime; button_bg_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_border_width=\u00a0\u00bb-6px\u00a0\u00bb button_border_color=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb66px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_transition=\u00a0\u00bbon\u00a0\u00bb][\/et_pb_slide][\/et_pb_slider][et_pb_button button_text=\u00a0\u00bbFiche produit automobile\u00a0\u00bb button_alignment=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#2ea3f2&Prime; hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_url=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/index.php\/fiche-produit-assurance-automobile\/\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb257px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb25px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2 style=\"text-align: center;\"><strong>Vous avez besoin d\u2019aide ?<\/strong><\/h2>\n<p><strong><\/strong><\/p>\n<p style=\"text-align: center;\">Nous sommes l\u00e0 pour vous aider !<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-69px|||||\u00a0\u00bb custom_padding=\u00a0\u00bb34px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbAppeler un conseiller\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe090;||divi||400&Prime; content_max_width=\u00a0\u00bb1100px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb19px\u00a0\u00bb header_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb1.8em\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb10%\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbtel:+33142526000&Prime; border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb80px\u00a0\u00bb box_shadow_spread=\u00a0\u00bb-10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(44,54,92,0.2)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Nous sommes \u00e0 votre \u00e9coute du lundi au vendredi de 9h30 \u00e0 20h30<\/p>\n<p><a href=\"tel:+33142526000\"><strong>01 42 52 60 00<\/strong><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbChattez avec un expert\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x77;||divi||400&Prime; content_max_width=\u00a0\u00bb1100px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb19px\u00a0\u00bb header_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb1.8em\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb10%\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/wa.me\/message\/ITFTKLTE4XYRP1&Prime; border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb80px\u00a0\u00bb box_shadow_spread=\u00a0\u00bb-10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(44,54,92,0.2)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Nous r\u00e9pondons\u00a0\u00e0 vos questions 7\/7 de 8h00 \u00e0 22h30<\/p>\n<p><a href=\"https:\/\/wa.me\/message\/ITFTKLTE4XYRP1\" title=\"Discutez maintenant\"><strong>Discutez maintenant<\/strong><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbPrendre un rendez-vous\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe023;||divi||400&Prime; content_max_width=\u00a0\u00bb1100px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb19px\u00a0\u00bb header_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb1.8em\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb10%\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/index.php\/prendre-rendez-vous\/\u00a0\u00bb border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb80px\u00a0\u00bb box_shadow_spread=\u00a0\u00bb-10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(44,54,92,0.2)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Prenez un rendez-vous t\u00e9l\u00e9phonique ou en agence<\/p>\n<p><a href=\"https:\/\/cspm-assurances.com\/index.php\/prendre-rendez-vous\/\"><strong>Prenez rendez-vous maintenant<\/strong><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comment est calcul\u00e9 mon bonus \/ malus L&rsquo;essentiel \u00e0 retenirLes\u00a0v\u00e9hicules exon\u00e9r\u00e9s de bonus \/ malus : Les 2 roues tricycles ou quadricycles \u00e0 moteur d\u2019une puissance inf\u00e9rieure ou \u00e9gale \u00e0 80 cm3 Les tracteurs agricoles et machines agricoles Les v\u00e9los ou trottinettes Dans le cas ou vous n&rsquo;avez pas d&rsquo;accident\u00a0responsable totalement ou partiellement, votre bonus [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-2642","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages\/2642","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/comments?post=2642"}],"version-history":[{"count":2,"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages\/2642\/revisions"}],"predecessor-version":[{"id":4627,"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages\/2642\/revisions\/4627"}],"wp:attachment":[{"href":"https:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/media?parent=2642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}