2024 Author: Eric Donovan | [email protected]. Last modified: 2023-12-16 21:13
In motor vehicle insurance, the regional classes and thus the contributions change. Every fourth driver is affected.
According to the General Association of the German Insurance Industry (GDV), around 5.1 million owners in 54 districts benefit from a lower classification. 4.2 million in 50 counties will be upgraded. For 32 million owners with motor vehicle liability, nothing changes in the new regional statistics of the insurers.
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There are slightly fewer shifts in the regional classes for insured persons with full or partial coverage. Around 2.8 million will benefit from a lower rating while 3.3 million will be upgraded. Nothing will change for around 30 million people with comprehensive insurance.
Regional class influences the premium
Every year, the GDV calculates the damage balances of the 413 approval districts in Germany and divides them into so-called regional classes. The better you are classified there, the more favorable the effect on the insurance premium.
The costs for the policy do not depend on this alone, explains the GDV.
Means: A changed classification does not yet allow a statement about how the total motor vehicle insurance premium will develop. Because many parameters play a role here. The regional class is a guide for calculating new tariffs. According to the information, the statistics are not binding for insurers. However, it can be used with immediate effect for new contracts and for existing contracts with the main maturity - this is usually January 1, 2020.
Brandenburg does well
As in previous years, the damage balances in Schleswig-Holstein, Lower Saxony, Mecklenburg-Western Pomerania and Brandenburg were particularly good in motor vehicle liability insurance. The Uckermark has the lowest value of all approval districts. The liability claims balance sheets in the big cities are mostly above the national average. Berlin is again at the bottom.
When calculating the regional classes for motor vehicle liability insurance, only the expenses of the insurer for third-party damage are taken into account. When calculating for fully or partially comprehensive insurance, regulations for glass damage, accidents involving wildlife and all other fully comprehensive claims are included. The place of residence of the keeper is decisive for the statistics - and not the district in which the damage occurred. There are 12 regional classes for motor vehicle liability insurance, 16 for partially comprehensive insurance and 9 for fully comprehensive insurance. The rule is: the lower the classification, the better. (dpa)
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