Now you have an accident and - whoosh! - the premium level rises again. This means that the year after the accident you will pay a higher premium. With the bonus protection in car insurance, however, the premium remains constant even after an accident.
As already mentioned, bonus protection prevents your premium from becoming more expensive after an accident. However, if you opt for bonus protection in car insurance, you will pay a slightly higher premium each year than you would pay without bonus protection. Whether this is actually useful for you depends on several factors: How much more does bonus protection cost per year? How much would your premium be after an accident? Are you willing to take the risk yourself or do you prefer to play it safe? Does your bonus protection come into effect even in the event of two accidents in a very short time?
Offer A without bonus protection: CHF 1100.–
Offer B with bonus protection: CHF 1200.–
You decide for the cheapest offer without the protection of the bonus. After 3 years, one morning you drive too quickly into a traffic jam and collide with the car in front of you. The following year, the premium increases to CHF 1500.– due to the accident.
Offer A without bonus protection after an accident: CHF 1500.–
Offer B with bonus protection after an accident: CHF 1200.–
With Offer B you would have paid a little more premium earlier - in 3 years the supplement would have been CHF 300.–, but thanks to the bonus protection, the premium would have remained constant even after the accident. Since you have not subscribed to the bonus protection, you are now paying CHF 400.– more - and therefore have to dig deeper into your pockets over the years. If you drive without an accident in the next few years, your premium will decrease again, but it will increase if you have another accident.