JFYI, here (Italy) bonus/malus is a common name for the formula of most car insurance policies, where basically if you have a car accident (of course if it is

JFYI, here (Italy) bonus/malus is a common name for the formula of most car insurance policies, where basically if you have a car accident (of course if it is your fault) you are demoted 2 "classes" (malus) and if you pass one year without accident you are promoted 1 "class" (bonus). The "entrance class" is the 14th, worst is 18th and best is 1st.