Comparison with driving experience (2016)
- A policyholder’s past experience remains an indicator of the probability of future claims.
- The more at-fault accidents a policyholder has had in previous years, the higher the claims frequency for the current year.
- Policyholders with no at-fault accidents during the three years prior to 2016 had a claims frequency of 11.71%. However, claims frequency for those with three at-fault accidents during the same period was almost three times higher (33.11%).
Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General Results, Private passenger vehicle, 2016