New type classes for car insurance: It's getting more expensive for millions of drivers
Created: 09/30/2022, 12:30 p.m
By: Sebastian Oppenheimer
Every vehicle owner must take out motor vehicle liability insurance - for millions of policyholders this will be more expensive in 2023.
There are many things in life where you have a choice: Drivers can, for example, consider whether they want to insure their car with fully comprehensive insurance – or opt for the cheaper partially comprehensive insurance.
If you already have an older vehicle, you can possibly do without comprehensive insurance altogether.
On the other hand, you cannot do without motor vehicle liability insurance: Every vehicle owner in Germany is obliged to take out such insurance.
Now there are new type classes for almost 13 million drivers - and for many of them it is now more expensive.
New type classes for car insurance: It's getting more expensive for millions of drivers
The General Association of the German Insurance Industry (GDV) has published the new type class statistics for around 32,000 different car models.
The good news: For around 4.8 million vehicle owners, a better type class will make it cheaper.
The bad news: significantly more will have to dig deeper into their pockets in the future: higher classifications will apply to around 8.1 million owners from 2023.
The type class of a vehicle model is an important factor when calculating the insurance premium.
(Iconic image) © Addictive Stock/Imago
Don't miss anything: You can find everything to do with cars in the regular car newsletter from our partner tz.de.
New type classes for motor vehicle insurance: GDV statisticians evaluate damage balances
Once a year, GDV statisticians evaluate the damage reports of all automobiles registered in Germany.
If a car model causes a lot of damage and high insurance payments on average, it is classified in a high type class - with few damages and low costs in a low one.
In motor vehicle liability insurance there are 16 type classes (10-25) - in fully comprehensive 25 (10-34) and in partially comprehensive 24 (10-33).
Warning lights in the car and what they mean
View photo gallery
The Škoda Kamiq 1.5 TSI and the Toyota C-HR Hybrid 2.0, for example, were rated lower (and therefore cheaper) in terms of liability than in the previous year - both improved by three classes.
On the other hand, it will be more expensive for owners of a Nissan Leaf or Mercedes GLC 250 Coupé 4Matic - both vehicle models were classified two classes worse.
also read
Tank-Fail goes viral: "It must be a joke"
Winter break for convertibles and classic cars: Increase tire pressure before parking
However, it is important to note that the insurance premium is not determined solely by the type class.
The contribution is influenced by many factors: The regional class, the kilometers driven annually, the number of damage-free years and the age of the user also play a role, among other things.
