Glossary entry (derived from question below)
French term or phrase:
coefficient de réduction-majoration
English translation:
discount/surcharge co-efficient
Added to glossary by
Veronique Boulet
Oct 20, 2005 20:16
18 yrs ago
14 viewers *
French term
Canada
Specialized in IT and Environment
Native in: French
Works in: English to French, French
coefficient de réduction-majoration
French to English
Other
Insurance
relev� d'assurance
Dans un relevé d'assurance d'un client, mentionnant le coefficient de réduction-majoration dont il bénéficie :
M. ZZ, né en mai 1963 et ayant obtenu son permis de conduire en juillet 1981, bénéficie d'un coefficient de réduction-majoration de 0,50. De plus, étant depuis au moins 2 ans au coefficient de 0,50, il bénéficie d'une réduction supplémentaire "bon conducteur" de 3%.
M. ZZ, né en mai 1963 et ayant obtenu son permis de conduire en juillet 1981, bénéficie d'un coefficient de réduction-majoration de 0,50. De plus, étant depuis au moins 2 ans au coefficient de 0,50, il bénéficie d'une réduction supplémentaire "bon conducteur" de 3%.
Proposed translations
(English)
| 2 +4 | discount/surcharge co-efficient |
Tony M
|
| 5 | no claim bonus/malus rate |
Neil Crockford
|
| 4 | bonus/malus |
Bourth (X)
|
| 3 | a decrease-increase rating |
Marshall Johnson
|
Proposed translations
+4
15 mins
French term (edited):
coefficient de r�duction-majoration
Selected
discount/surcharge co-efficient
I think you'll find this is the same idea as the UK 'no claims bonus', though I've more often come across that in French expressed as 'bonus/malus'
However, unless others know of a more specific, dedicated term, I'd like to suggest the above as being clear and unambiguous; whilst you might use 'factor' for 'coefficient', personally I feel that 'co-efficient' works best in this kind of context.
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Note added at 11 hrs 25 mins (2005-10-21 07:42:08 GMT)
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Bourth in his answer has made the very sensible suggestion that the word 'coefficient' can really simply be left out.
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Note added at 11 hrs 28 mins (2005-10-21 07:44:45 GMT)
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I think they used the word 'coefficient' because it is a factor of 0,50 --- this presumably does NOT mean 'a 50% discount' (or DOES it?), but some kind of weighting factor applied in a certain way to arrive at the final discount... Note that the 'bon conducteur' IS expressed as a straightforward percentage...
However, unless others know of a more specific, dedicated term, I'd like to suggest the above as being clear and unambiguous; whilst you might use 'factor' for 'coefficient', personally I feel that 'co-efficient' works best in this kind of context.
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Note added at 11 hrs 25 mins (2005-10-21 07:42:08 GMT)
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Bourth in his answer has made the very sensible suggestion that the word 'coefficient' can really simply be left out.
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Note added at 11 hrs 28 mins (2005-10-21 07:44:45 GMT)
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I think they used the word 'coefficient' because it is a factor of 0,50 --- this presumably does NOT mean 'a 50% discount' (or DOES it?), but some kind of weighting factor applied in a certain way to arrive at the final discount... Note that the 'bon conducteur' IS expressed as a straightforward percentage...
4 KudoZ points awarded for this answer.
47 mins
French term (edited):
coefficient de r�duction-majoration
bonus/malus
I don't even think you need to translate "coefficient".
The term might have needed explanation to a UK audience a number of years ago, but the concept has made headway since.
"bonus + malus + insurance + claim" gets 134,700 ghits
Bonus-Malus Systems in Automobile Insurance ... and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. ...
www.springeronline.com/sgw/cda/ frontpage/0,11855,4-40356-72-33208336-0,00.ht
Lemaire, Jean: Bonus-Malus Systems in Automobile Insurance,Conservative,Book ...
and rewarding claim-free years by discounts, are called bonus-malus systems ...
www.forbesbookclub.com/bookpage.asp?prod_cd=IJXQ2
Allowance for cost of claims in bonus-malus systems. ASTIN. Bulletin 27(1): 33–57.
... A Bonus-Malus System in Automobile Insurance. Insurance: ...
research.bus.wisc.edu/jfrees/ Papers/InsActuarialSciLongDataReferences.pdf
Malus means a penalty that is charged if you lodge a claim in the insurance period.
So if a policy earns a 20% bonus (on account of no claim lodged in the ...
www.automartindia.com/ValueAdders/ Insurance/autoinsurance/fuqs.htm
The theory is applied to experience rating in heterogeneous insurance portfolios including bonus-malus schemes in automobile insurance, claims reserving in ...
www.lse.ac.uk/collections/statistics/ study/prospective/mscriskandstochastics.htm
The term might have needed explanation to a UK audience a number of years ago, but the concept has made headway since.
"bonus + malus + insurance + claim" gets 134,700 ghits
Bonus-Malus Systems in Automobile Insurance ... and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. ...
www.springeronline.com/sgw/cda/ frontpage/0,11855,4-40356-72-33208336-0,00.ht
Lemaire, Jean: Bonus-Malus Systems in Automobile Insurance,Conservative,Book ...
and rewarding claim-free years by discounts, are called bonus-malus systems ...
www.forbesbookclub.com/bookpage.asp?prod_cd=IJXQ2
Allowance for cost of claims in bonus-malus systems. ASTIN. Bulletin 27(1): 33–57.
... A Bonus-Malus System in Automobile Insurance. Insurance: ...
research.bus.wisc.edu/jfrees/ Papers/InsActuarialSciLongDataReferences.pdf
Malus means a penalty that is charged if you lodge a claim in the insurance period.
So if a policy earns a 20% bonus (on account of no claim lodged in the ...
www.automartindia.com/ValueAdders/ Insurance/autoinsurance/fuqs.htm
The theory is applied to experience rating in heterogeneous insurance portfolios including bonus-malus schemes in automobile insurance, claims reserving in ...
www.lse.ac.uk/collections/statistics/ study/prospective/mscriskandstochastics.htm
Peer comment(s):
| neutral |
Andreas THEODOROU
: from my experience, malus is not a term that would be widely understood by the lay population, at least in the UK, where there was a carrot but no stick (perhaps things have changed drastically in the last two years)
34 mins
|
| neutral |
Charlie Bavington
: I'm with Andy. The term (which has a nice ring to it after all!) might be catching on some areas, but I think the general public remains largely unaware.
1 hr
|
| neutral |
Tony M
: Interesting point, Alex! I must be out of date, I confess I'd never come across this in the UK during my time as a driver over there. \\ What's with the 'maison bourgeoise'?!
10 hrs
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5 hrs
French term (edited):
coefficient de r�duction-majoration
a decrease-increase rating
a decrease-increase rating of...
I have seen "decrease-increase" a few times in reference to rates. In some insurance policies, there is a flexibility of terms relating to "flexible" or "variable" rates, but that is mostly found in life insurance policies.
I have seen "decrease-increase" a few times in reference to rates. In some insurance policies, there is a flexibility of terms relating to "flexible" or "variable" rates, but that is mostly found in life insurance policies.
11 hrs
Neil Crockford
Native in English
Specializes in field
40 years' industry experience
Native in: English 
Works in: German to English, Portuguese to English, Spanish to English, and 7 more.
Related KudoZ points
:
282
French term (edited):
coefficient de r�duction-majoration
no claim bonus/malus rate
..
Peer comment(s):
| neutral |
Tony M
: Sure, but the whole problem is that Asker's context specifically mentions the NCD separately, so what do you do then?
19 mins
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I read the "bon conducteur" discount as an extra bonus for those who have been on maximum NCD for two years.
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