Class of merit: what it is and how it works

The merit class is part of the bonus-malus mechanism that determines the cost of your motor liability policy. Let’s see how it works and how you can save.

The class of merit measures the accident rate of motorists and in part determines a higher or lower cost of car insurance.

What is the merit class?

The universal merit class (CU) is one of the data based on which the price of car insurance is determined. It is a scale of values ​​that indicates the accident rate of the motorist with an objective criterion common to all insurance companies.

There are 18 classes, and if the first concerns the most virtuous drivers, the 18th will be the most expensive because as we will see it means that the insured has caused several accidents.

The first insurance is assigned the 14th class by default, after which:

  • every time the insured is responsible for an accident, the transition to a higher class takes place (for example from 14 to 15), which is more expensive;
  • if, on the other hand, there are no claims during the year, the class will go down (in our example from 14 to 13).

The one just described is the bonus-malus mechanism.

Finally, we remind you that it is possible to maintain the class of merit achieved over time even in the event of a policy expired due to events such as the sale, transfer, or export of the vehicle abroad or suspension of the policy due to contract expiration, scrapping of the vehicle or failure to renew. . However, it has a maximum duration of 5 years, after which it restarts from the 14th.

Merit class and family car RC

In 2020, a novelty was introduced which in the matter of merit classes extends the range of action of the Bersani Law. We are talking about family car liability which allows you to take out the car liability policy using the most advantageous merit class present in the family unit.

With the extension of Bersani this operation is also possible:

  • in the transition from one type of vehicle to another (therefore from car to motorcycle and vice versa);
  • for renewals, i.e. for the subscription of policies even after the first one after the purchase of the vehicle.

However, there is a limit to the use of this benefit: the person requesting the application of the motor liability insurance must not have been responsible for claims in the 5 years preceding that of the stipulation of the policy.

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