There is good news for drivers in Bavaria. Because on New Year's Eve, not only do the annual figures change, but also the regional classes into which the German Insurance Association (GDV) divides the claims balances of the approximately 400 registration districts in Germany. Motorists in Aschaffenburg, Passau, Rosenheim and Regensburg will have cheaper motor liability insurance in the future, but GDV will give motorists in Hof, Roth and Lindau a higher rating from 2018.
Accident statistics 2017: Bamberg a role model for the whole of Germany
Where do road users cause a particularly large number of claims that are expensive for insurers, and where do they only rarely crash?? This is what the GDV determines every year. There are a few surprises in store for 2018 – both nice and not so nice. In Bavaria, for example, more than 1.9 million drivers can look forward to more favorable conditions for their car insurance, because in Aschaffenburg, Passau, Dachau, Rosenheim and in the districts of Bayreuth and Regensburg, they will be placed in a lower regional class. But for just under 400.000 vehicle owners in six registration districts the decision of the GDV is less pleasing: They are classified in the coming year in higher regional classes.
The regional class in which third-party, partially comprehensive and fully comprehensive insurance policyholders in Bavaria are classified in individual cases can be filtered here by zip code, registration district and city. Example: In Bamberg, fully comprehensive insurance policyholders pay the lowest premiums nationwide – because the fewest accidents resulting in damage occur there, which is why they are grouped by the GDV in the most favorable class (regional class 1).
Factors for the premium amount of the motor vehicle insurances
Thus, the driving behavior of motorists plays a role in the regional class of motor liability insurance. The comprehensive insurance, on the other hand, takes into account local characteristics such as theft frequency, storm and hail damage, and the number of wildlife accidents. How much car owners ultimately pay for their car insurance also depends on the tariff conditions. Those who have children, for example, often pay less, as parents usually drive more prudently. Novice drivers usually have to pay more because they are still inexperienced and statistically cause accidents more often. Other factors that influence the premium amount are, for example, the number of registered drivers, the scope of benefits (pure liability or liability in combination with partial or comprehensive cover) and the method of payment. Many insurers also grant a discount if the policyholder has taken out additional policies with them.
Type classes are also important: they provide information on vehicle damage and repair costs that car models registered in Germany cause on average. This is also recalculated annually by the GDV. Starting in 2018, car insurance for owners of an Opel Corsa E 1, for example, will be.2 more expensive, while owners of a Suzuki Vitara 1.6 save. Overall, the following conclusion can be drawn for the type classes: Small cars benefit, luxury class models and SUVs become more expensive. If the insurance premium increases as a result of the GDV's classification from 2018, motorists generally enjoy an extraordinary special right of termination. When deciding on a car insurance policy, however, the level of the tariff should not be the decisive factor – the cheapest tariff is of no use if the conditions, claims settlement and/or service leave something to be desired.
And with a little care and foresighted driving, everyone can make their personal contribution to positive accident statistics in 2018/2019 – and thus help GDV assign a more favorable regional class to the home region in the coming year. On winter excursions into the Bavarian countryside, it is imperative to drive carefully – slowly and with plenty of distance to other vehicles – so as not to endanger oneself and others. Because in winter, light conditions are often poor and the roads wet and slippery.