I think some of you are even missing the craziest part on here.

If you drive 17 years claim free and get in 1 at fault accident, you move 8 spots down the CRS
If you drive 20 years claim free and get in 1 at fault accident, you move 11 spots down the CRS

you get punished harder if you've been claim free longer WTF! It is literally an escalating punishment the longer you've been claim free!


Currently, the longer you drive claim free, the shorter you drop down the CRS with an at fault accident. Makes sense. If someone cant drive 3 or 5 years without an accident, they should get punished harder as theyre clearly bad drivers. If you can go 15-20 years without an accident, it was likely an accident and you aren't punished so hard because you havent been a drain on the insurance.

If anything, since you hit 43% at 9 years, just keep it all at 6 steps. Its fucking absurd it goes to 11 steps for 20 years claim free!

Exactly, keep it at +6 for everyone and their new CRS scale is fine. I mean, still worse for good drivers, but not terrible. Basically would make it so everyone moves up the same amount for an accident, which is pretty fair.

That graph is retarded. At least give drivers with 20 years accident free an additional discount or something.

The graph is basically saying, no matter how long you've been driving for, no matter what level you're at, if you crash 2 times, you'll get the same punishment as anyone else.

Hence -20 goes to -9, which is same as -17 goes to -9, then second claim goes to -3.

Whereas the old system, you need to crash 3 times to fall to the same level as the dude who made 2 claims.

TL;DR Everyone gets the same punishment. Drop in level got bigger.

Clearly punishing the people who have had 15+ years of claims free driving (in other words, have been contributing money to the system rather than draining it) who run into a string of bad luck is clearly the solution.

You certainly wouldn't want to punish the drivers who routinely demonstrate that they're poor drivers that are draining the system, would you?

3 years without a claim to get back to previous discount? Still there
Maximum of +10 on CRS scale? Still there
Increase in penalties for drivers on the + side of the scale? Nope
Increase in multiple-crash premium for drivers who have had 3 or more claims over a 3-year period? Nope

No, you're right, this is way more fair.

It looks like they are not implementing the CRS changes in May anymore. I'm surprised this isn't announced anywhere, not even on reddit.

Claims and your insurance costs

That’s good news.