This paper proposes bonus-malus systems for fleets of vehicules, by using the individual characteristics of both the vehicules and the carriers.

L'ojectifs de cette etude est d'analyser les accidents routier des vehicules commerciaux motorises (entreprises de transport par camions et par autobus).

This paper tests the efficiency associated with the role of memory in long-term contracting. Bonus-malus schemes in automobile insurance are examples of contracts that use memory. During the eighties different contributors (Lambert, 1983, Rogerson, 1985, Boyer, and Dionne, 1989) showed how...