Protected bonus

By choosing the Protected Bonus option, the Company cancels the malus evolution of the Internal Class* (CI) (see below for details) resulting from the payment of the first claim occurring during the contract validity period, with principal or joint liability of the owner. Therefore, in case of an accident with principal or joint fault, the Internal Class remains unchanged, while the Universal Class (CU) is still updated and reported on the Risk Certificate according to the penalties provided by current regulations. At renewal, the policy may still be subject to price variations not attributable to the company's Internal Class.

WARNINGS

• In case of an accident occurring outside the contract coverage period, the option will not be operational.
• The Protected Bonus option is not operational in case of claims subject to anti-fraud reporting related to the insured year.

For further information and details on the forms of guarantee and exclusions/limitations provided, read the information set.

(*) Definitions of Universal Class (CU) and Internal Class (CI)

Universal Class (CU)
The system used by insurance companies to assign a merit class to policyholders. The Universal Conversion Class is shown on the risk certificate and can range from 1 (the best class) to 18 (the worst class). It allows you to move from one company to another while maintaining your insurance history

Internal Class (CI)
The CI class is the "Company's Internal Class" and can follow different evolutionary rules compared to the CU

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