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Motor vehicle liability: Numerous contributions are changing - millions of drivers are affected

2022-09-22T11:28:33.463Z


Motor vehicle liability: Numerous contributions are changing - millions of drivers are affected Created: 09/22/2022, 13:17 By: Ines Baur Due to a reorganization of the class limits, there are many changes in the classification of motor vehicle liability: According to the GDV, only 24 instead of 55 districts achieve the lowest regional class 1 (symbol image). © Arnulf Hettrich/Imago Where more


Motor vehicle liability: Numerous contributions are changing - millions of drivers are affected

Created: 09/22/2022, 13:17

By: Ines Baur

Due to a reorganization of the class limits, there are many changes in the classification of motor vehicle liability: According to the GDV, only 24 instead of 55 districts achieve the lowest regional class 1 (symbol image).

© Arnulf Hettrich/Imago

Where more damage is reported, the regional class is worse and the motor vehicle policy may be more expensive in the future.

The new regional statistics of the insurers provide information.

Berlin - News for around 37 percent of drivers with pure vehicle liability insurance.

In the coming year, the regional class will change for many cars.

This was announced by the General Association of the German Insurance Industry (GDV).

Around ten million drivers in 101 districts will be classified higher in 2023.

Around 5.5 million in 67 counties lower.

For the remaining 244 districts and thus around 26.8 million owners with motor vehicle liability insurance, the regional class remains the same.

Motor vehicle liability insurance 2023 - More shifts due to new class limits

Due to a reorganization of the class limits, there are comparatively many changes in the classification of motor vehicle liability this time: According to the GDV, only 24 instead of 55 districts achieve the lowest regional class one.

The district of Elbe-Elster in Brandenburg did best.

In the worst class, twelve, instead of the previous 19, only two registration districts are now classified: Offenbach and Berlin.

As in previous years, the damage figures in Brandenburg, Schleswig-Holstein, Lower Saxony and Mecklenburg-Western Pomerania are particularly good in comparison with the national average.

In the registration districts of the big cities, the balance sheets are comparatively bad - according to the GDV, the damage in the capital is almost 40 percent above the average, which is a negative peak value.

Regional class has an influence on the insurance premium for motor vehicle liability

Basically, the better the classification in the regional class, the cheaper it is for the insurance premium, which is also determined by other parameters.

According to the GDV, no statement can be made about the development of the entire contribution simply from the change in the regional class.

According to the comparison

portal Check24

, this single criterion can still have a noticeable effect on the price of the policy: only because of a different registration district is the difference of up to 260 euros with otherwise identical insurance features.

According to the portal, however, one would have a special right of termination if the insurance premium was increased as a result of a district being reclassified to a higher regional class.

Other insurances can also be canceled on certain occasions or by September 30th.

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Annual calculation by the association affects motor vehicle liability

Every year, the GDV calculates the damage balance sheet for the more than 400 registration districts in Germany and divides them into so-called regional classes.

The basis for the calculation is where the most or most expensive damage occurs - the deviation from the national average is used as a basis.

Districts with an average damage balance have regional class 6 in motor vehicle liability insurance. The place of residence of the owner is decisive for the regional class.

The wrong tires can have a negative effect on the handling of a vehicle.

It is therefore important to think about changing tires in autumn and spring.

Fewer changes in the case of comprehensive insurance

According to the industry association, there are fewer shifts in the regional classes of comprehensive insurance policies: around 2.8 million fully and around 3.1 million partially comprehensively insured will be downgraded, around 0.9 million fully and around 2.9 partially comprehensively insured will have one from 2023 better classification.

There are no changes for the remaining 27.7 million, which is almost three quarters of those with comprehensive insurance.

There are 16 regional classes for partially comprehensive insurance and nine for fully comprehensive insurance.

You can find out which regional class your own district is in using the regional class query on the GDV portal

dieversicherer.de

.

(ib/dpa)

Source: merkur

All life articles on 2022-09-22

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