Bonusmalussystemer
Bonusmalussystemer, often shortened to BMS, are a type of pricing mechanism commonly used in insurance. They are designed to incentivize good behavior by offering lower premiums to policyholders who demonstrate a low risk of making claims. Conversely, policyholders who make claims or are perceived as higher risk will face higher premiums. The system essentially rewards lower risk with financial benefits and penalizes higher risk with increased costs.
The specifics of bonusmalussystemer vary significantly between insurance providers and types of insurance, most notably in
The primary goal of these systems is to create a fairer pricing structure where premiums more accurately