no-claims bonus การใช้

• A no - claims bonus is a reduction allowed in the cost of motor insurance when no claim has been made during previous years
• Significance the bms ( bonus - malus system ) is namely prize and punishment system , in our motor vehicle insurance it is called to be no - claim bonus system . it is like this a kind of widely adopted system in the motor vehicle insurance : in the next insurance year , the policyholders who have some claim records will be punished by the premium from the insurance company , while those who have no claim record will be rewarded