Statistics

Insurance rate criteria

According to claims experience

An individual’s past experience is a predictive factor of the probability that they will be involved in a claim in the future.

  • Drivers who had accidents for which they were responsible in previous years have a higher claims frequency in the current year and thus pay higher premiums.
  • In 2021, drivers who had three accidents for which they were responsible in 2018-2020 had a claims frequency of 21.87%. In contrast, drivers who had no “responsible accidents” during the same period had a claims frequency of only 8.72%.

Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General results, Passenger vehicles, 2021.

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