The deduction of points is a sanction from the police for a violation of the Highway Code. This does not imply a priori penalties on your insurance contract.
The insurer is not made aware of an infringement insofar as the infringement does not lead to a liable claim. The bonus-malus coefficient is also not affected by a loss of points, except in the event of a responsible accident.
The responsible accident is sanctioned
Everything changes in the event of an at-fault accident. In this case, the insurer may impose financial penalties on the insured, such as an increase in the insurance premium or limited access to certain additional guarantees.
This is then an additional penalty, to compensate for irresponsible behavior that has led to an increase in risk. But the loss of points can turn into suspension, cancellation or invalidation of the license.
In the event of suspension, the financial sanction is based on the duration and recidivism.
For suspensions of less than two months, the majority of insurers can show leniency but you must however notify your company; between two and six months, the sanction is a possible increase of 50% of the premium; if the suspension exceeds six months, the increase may reach 100% of the premium.
In the event of multiple suspensions over a period of 3 years, the premium is tripled. After two years without an infraction, the sanction is cancelled.
Termination of insurance
The Insurance Code requires the insured to keep the company informed of license suspensions. What some don’t. Since May 24, 2018, a decree allows, in particular insurers and employers, the possibility of questioning the SNPC (National driving license system). A verification that is only possible in the event of a claim.
If the permit is not valid on the date of the loss, the insurer may refuse compensation. The contract may also be automatically terminated, even if the suspension follows an accident caused under the influence of an alcoholic state or under the influence of narcotics.