{"id":1634,"date":"2015-04-20T20:25:22","date_gmt":"2015-04-20T20:25:22","guid":{"rendered":"https:\/\/blog.bidu.com.br\/?post_type=help-center&#038;p=1634"},"modified":"2024-07-30T11:35:05","modified_gmt":"2024-07-30T14:35:05","slug":"o-que-e-classe-de-bonus","status":"publish","type":"post","link":"https:\/\/blog.bidu.com.br\/?p=1634","title":{"rendered":"O que \u00e9 classe de b\u00f4nus?"},"content":{"rendered":"<p><strong><a href=\"\/seguro-auto\/tudo-sobre-classe-de-bonus\/\" target=\"_blank\" rel=\"noopener noreferrer\">Classe de b\u00f4nus<\/a><\/strong> \u00e9 um \u00edndice de classifica\u00e7\u00e3o que as seguradoras utilizam. Com ela, \u00e9 definido um desconto no pr\u00eamio pago pelo cliente, de acordo com n\u00famero de anos em que possui o seguro, e a quantidade de sinistros que teve ao longo da vig\u00eancia do mesmo. A classe de b\u00f4nus \u00e9 vinculada ao segurado, e \u00e9 mantida quando h\u00e1 mudan\u00e7a de corretor ou de seguradora. A classe de b\u00f4nus \u00e9 descrita na ap\u00f3lice.<\/p>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/QKUA4i2C0PU\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>A cada ano em que o cliente \u00e9 segurado e n\u00e3o tem sinistro, o valor da classe de b\u00f4nus \u00e9 incrementado; em contrapartida, seu valor \u00e9 diminu\u00eddo em caso de sinistro.<\/p>\n<p>Quanto maior for a classe de b\u00f4nus, maior o desconto que as seguradoras oferecem (os descontos variam de seguradora para seguradora), uma vez que classes de b\u00f4nus altas representam clientes com menor risco de sinistro.<\/p>\n<p>Confira na tabela abaixo uma simula\u00e7\u00e3o de seguro, demonstrando a altera\u00e7\u00e3o de classe de b\u00f4nus ao longo da vig\u00eancia do seguro. A tabela foi criada com base no\u00a0<strong>perfil m\u00e9dio<\/strong> <em>(homem, 30 anos, casado, uso de carro para trabalhar)<\/em> e foi realizada com base nos valores de janeiro\/2015.<\/p>\n<p>Vale lembrar que esta tabela \u00e9 apenas uma\u00a0<a href=\"https:\/\/www.bidu.com.br\/seguro-auto\/\"><strong>simula\u00e7\u00e3o<\/strong> <strong>de seguro auto<\/strong><\/a>\u00a0e esses valores alteram conforme o perfil de cada segurado. Para ver o valor do seguro para o seu perfil, fa\u00e7a uma cota\u00e7\u00e3o de seguro auto online.<\/p>\n<div class=\"columns text-center end float-center\"><a class=\"z-depth-2 button\" style=\"padding: 1rem; font-size: 1.5rem;\" href=\"https:\/\/www.bidu.com.br\/seguro-auto\/\">Cota\u00e7\u00e3o de seguro auto online<\/a><\/div>\n<p>&nbsp;<\/p>\n<table style=\"width: 550;\">\n<tbody>\n<tr>\n<td>Classe 0<\/td>\n<td>R$ \u00a0\u00a03.570,97<\/td>\n<\/tr>\n<tr>\n<td>Classe 1<\/td>\n<td>R$ \u00a0\u00a03.045,42<\/td>\n<\/tr>\n<tr>\n<td>Classe 2<\/td>\n<td>R$ \u00a0\u00a02.874,12<\/td>\n<\/tr>\n<tr>\n<td>Classe 3<\/td>\n<td>R$ \u00a0\u00a02.770,59<\/td>\n<\/tr>\n<tr>\n<td>Classe 4<\/td>\n<td>R$ \u00a0\u00a02.711,30<\/td>\n<\/tr>\n<tr>\n<td>Classe 5<\/td>\n<td>R$ \u00a0\u00a02.647,04<\/td>\n<\/tr>\n<tr>\n<td>Classe 6<\/td>\n<td>R$ \u00a0\u00a02.616,73<\/td>\n<\/tr>\n<tr>\n<td>Classe 7<\/td>\n<td>R$ \u00a0\u00a02.564,86<\/td>\n<\/tr>\n<tr>\n<td>Classe 8<\/td>\n<td>R$ \u00a0\u00a02.483,17<\/td>\n<\/tr>\n<tr>\n<td>Classe 9<\/td>\n<td>R$ \u00a0\u00a02.383,07<\/td>\n<\/tr>\n<tr>\n<td>Classe 10<\/td>\n<td>R$ \u00a0\u00a02.383,07<\/td>\n<\/tr>\n<tr>\n<td><strong>Desconto total (classe 0 para classe 10)<\/strong><\/td>\n<td><strong>50%<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Algumas <strong><a href=\"\/seguradoras\/\">seguradoras<\/a><\/strong> levam em conta classes de b\u00f4nus de 1 a 10, j\u00e1 outras consideram classes maiores.<\/p>\n<p>Para fins de atualiza\u00e7\u00e3o do valor do b\u00f4nus, s\u00e3o considerados apenas sinistros e o perfil do segurado &#8211; atendimentos por pane el\u00e9trica \/ mec\u00e2nica, reparos de vidro e outros servi\u00e7os relacionados com sinistros que n\u00e3o s\u00e3o indenizados pela seguradora n\u00e3o prejudicam a classe de b\u00f4nus.<\/p>\n<p>Para saber mais sobre classe de b\u00f4nus, consulte nosso <strong><a href=\"\/seguro-auto\/tudo-sobre-classe-de-bonus\/\">guia sobre classe de b\u00f4nus.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Classe de b\u00f4nus \u00e9 um \u00edndice de classifica\u00e7\u00e3o que as seguradoras utilizam. Com ela, \u00e9 definido um desconto no pr\u00eamio pago pelo cliente, de acordo com n\u00famero de anos em&#8230;<\/p>\n","protected":false},"author":47,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15859],"tags":[],"class_list":{"0":"post-1634","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-mobilidade"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O que \u00e9 classe de b\u00f4nus? - Bidu Seguros<\/title>\n<meta name=\"description\" content=\"Saiba mais sobre classe de b\u00f4nus e tire suas d\u00favidas com a Central de D\u00favidas da Bidu Corretora.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.bidu.com.br\/?p=1634\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que \u00e9 classe de b\u00f4nus?\" \/>\n<meta property=\"og:description\" content=\"Classe de b\u00f4nus \u00e9 um \u00edndice de classifica\u00e7\u00e3o que as seguradoras utilizam. 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