I’ve just bought my first car and want to insure it. What will be my ‘Bonus-Malus’ degree?

Each new policyholder is classified as degree 11 on the Bonus-Malus scale.
For subsequent insurance years, the premium will vary as follows:

• the absence of a claim during an observation period in which the policy is valid leads to a one-degree drop on the Bonus-Malus scale. The decrease stops at -3 degrees, i.e. 45% of the basic premium;
• each claim during an observation period leads to an increase of 3 degrees. The increase stops at 22 degrees;
• however, the applicable degree after 4 consecutive years without a claim can in no circumstances be higher than 11.