'Bonus-Malus', 'disobedient' drivers will pay more for vehicle insurance
Starting from 1 January 2026, the bonus-malus system has been applied to compulsory motor third-party liability insurance. The bonus-malus system means more expensive insurance premiums, compared to the current ones, for drivers who have caused damage and lower premiums for drivers who have not caused damage. However, according to market experts, the difference will be much greater in the case of drivers who have caused damage (malus), while the discount for drivers without a history of damage (bonus) is expected to be more modest.
In 2024, the AFSA adopted the regulation “On the determination of risk factors included in the calculation of the premium for compulsory insurance products in the transport sector”. This regulation entered into force on 1 January 2025, but in the first year of implementation, the bonus-malus principle was not included among the risk factors, being postponed to 2026.
In calculating the insurance premium, companies follow several key risk factors, such as claims history, including cases where the cause of the accident is not listed in the insurance policy; the engine power of the vehicle; the age of the insured; experience in driving a motor vehicle; use of the vehicle by an entity or an individual; the vehicle's registration district and the age of the vehicle.
The application of the bonus-malus system is provided for in the law "On Compulsory Insurance in the Transport Sector", which has entered into force since 2021. However, the law provides for it as a right of insurance companies, but not an obligation.
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