Bonus-malus simulator: your level and third-party premium over six renewals

In Luxembourg, the third-party bonus-malus is set by the Grand-Ducal regulation of 11 November 2003: the same 25-level scale, from −3 to 22, applies at every insurer. This simulator applies its rules as they stand. Choose your situation, enter your current level and premium if you have them, add the claims you want to test, and read your level, coefficient and estimated premium for each of the next six renewals.

How to read the result

• The level: your position on the scale at each annual renewal. The lower it is, the less you pay; −3 is the best level, 22 the worst.
• The coefficient: the percentage of the reference premium that corresponds to that level, from 45% to 250%. It comes from the table in article 11 of the regulation and does not vary from one insurer to another.
• The premium per month: if you entered your current premium, the simulator derives your reference premium from it and applies each year’s coefficient. Without a premium, it applies the coefficient to the €30 to €50 a month observed at level 11 in August 2026 for third-party cover alone.
• The asterisk: marks a renewal where the four-year rule brought your level back to 11.

The rules applied

Every new policy starts at level 11. Each claim-free year moves you down one level, as far as −3; each claim paid to a third party moves you up three levels, as far as 22. After four consecutive claim-free years, the level can no longer exceed 11, whatever malus was built up before. A claim that stays below the excess, or that you repay to the insurer within four months, does not count, and only claims that led to a third party being compensated move the level up. Your level follows you from one insurer to the next: switching never resets it.

These rules concern third-party liability only. Partial and full casco are priced on each insurer’s own grid, which the simulator does not model.

What the simulator does not know

It does not know your insurer’s reference premium, which each company sets freely, nor the options that protect your bonus after a claim. To understand the mechanism in detail and the levers that bring the premium down, read our article on the bonus-malus in Luxembourg. To compare cover and bonus protection at Foyer, LALUX, AXA and Baloise, see our car insurance comparison and our car insurance page. For your home, our Luxembourg home insurance comparison reviews the same insurers.