The new type classes for motor vehicle insurance were recently published. Many drivers will not necessarily be happy about the consequences of this. The new type classes are based on an analysis of the probability of damage to the respective vehicle model. This then results in the contributions that the owners have to pay to their vehicle insurance. The tariffs are increasing very sharply for some models? namely by up to more than 30 percent. However, there are also drivers who benefit from the new type classes. There are currently around 5.4 million drivers in Germany. However, almost 7.4 vehicle owners are likely to be annoyed by this. 70 percent of German drivers, i.e. around 29.4 million people, have experienced no change at all compared to the previous year. Everyone else will pay higher or lower premiums for their car insurance next year.
These models are experiencing particularly big changes in their type class
However, large price differences due to the changes in the type classes are the exception. Only a few models have shifted by more than one class.
For example, those who own a Suzuki Ignis all-wheel drive 2016 Tyo MF will experience an improvement. This increases by a whole three classes. The Dacia Jogger 2022 type DJF slides up two classes. In contrast, there is a deterioration of three type classes for the Audi Q5 TDI Quattro 2017 type FY and the Ford Focus 1.0 2018 type DEH.
34 percent higher premiums for partial insurance for the Toyota Prius
When it comes to motor vehicle liability insurance, the insurance benefits naturally play a role primarily for the person injured in the accident. However, the situation is different with comprehensive insurance. Among other things, this also includes the value of the insured vehicle. However, comprehensive insurance is not liable for all damage that may occur to a car. Car owners who want to comprehensively protect themselves against unpleasant surprises during their next visit to the workshop should therefore take out an additional insurance policy Repair cost insurance take into consideration.
The new classifications are based on the damage balance of the last three years. This means that those who own a vehicle model that is particularly often involved in accidents are rated higher. The average costs for accident repairs are also taken into account.
Particularly powerful luxury class models or SUVs are therefore assigned to high type classes. Examples of this are the BMW
Drivers who own a Toyota Prius will be particularly hard hit by the changes to the type classes. The cost of car insurance for this model increases by a whopping 34 percent. The hybrid vehicle was upgraded by a type class in the liability insurance? and a whole four classes in the Partial insurance. For a solo driver, a model calculation shows additional annual costs of 216 euros. Motor vehicle insurance for the Hyundai Tucson will also increase by up to 33 percent.
On the other hand, owners of a Mercedes CLA are relieved. The insurance premium for them drops by up to 24 percent. Liability insurance for Fiat Panda drivers will also be 21 percent cheaper. This results in an annual saving of approximately 81 euros.
2024-03-11 11:11:42
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