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The new type of class levels for the calculation of premiums in force since October. Current contracts, but they are usually effective only from January 2011. The gallery shows a selection of models that have been reclassified to one or more classes just around – with consequences for the prices of partial or full comprehensive insurance. 20,000 vehicles re-evaluated: the new type classes are there. autobild.de shows which vehicles have changed in the same classification for several classes, which in the worst case with full or partial coverage can be really expensive! ANZEIGEWer paid on it in 2011 liability, full and partial coverage? Who can expect a lower premium? The General Association of German Insurers (GDV) has released the updated type class levels. They are the insurance companies as an index for the risk of damage of a vehicle and are adjusted each year based on the damage caused. The higher the damage from a model, the higher the class type and therefore the insurance premiums. Conversely, the less the damage, the cheaper the type class. Car insurance comparison
Insurance: Compare and Save Free!
Main news: for most of the drivers will change little. The type classes for the motor vehicle liability insurance rates for about 65 percent of all drivers remain constant. The situation is similar in type classes for the fully comprehensive and third party insurance. Of all the vehicles that have been reclassified to the classification changed for the most part only to a class – which means the insurance only small changes. However, there is also a small proportion of outliers. Vehicle types that have been reclassified to the same number of classes.
Car insurance: 33 savings rates in all classes
One of the big losers in the category of liability is about the Suzuki Wagon R with 1.3 94 hp, the four classes was rated higher. Toyota iQ 1.0 with 68 HP deteriorated in the comprehensive insurance to four classes, the VW Multivan T5 California 2.5 TDI with 131 hp was rated higher in the partial coverage even five classes. Among the winners on the other hand is one of the Honda Accord 2.0 GH with 156 hp, which has improved in liability to four classes. In the full insurance of the Renault Megane Scenic was ranked lower with a 90 hp three classes. Our photo gallery shows a selection of other types of vehicles, which this year were reclassified. On the website of the GDV can also query the type of each vehicle class.

In the motor vehicle liability insurance, there are a total of 16 type classes (10 to 25), (34 to 10) in the comprehensive insurance 25 and the partial cover 24 (10 to 33). In the liability insurance the cheapest type of Class 10 is almost exclusively for classic cars – they are only down slightly and still guard their treasures by the holders especially careful driving. By contrast, popular entry-level models are often distinguished by high type classes, as beginners often cause body damage. Our table gives an overview of the type classes of some vehicles from the current hit list of new applications.
A comparison is always worth
The type class classifications are binding as the basis for all insurance providers. What is a liability, comprehensive or partial coverage for a particular car model is ultimately costs, from insurance to insurance differently anyway. As well as the type of classes each company calculates its contributions differently. For each vehicle owner may be worthwhile, therefore, regularly compare the contributions of different providers with each other – especially when the host vehicle is just slipped in a less favorable type class. The time for forced, however – if you want to change providers by next year, the existing car insurance by 30 November terminate!

By the end of the month, drivers can cancel their regular insurance. Reason for this may be the re-classification of regional risk classes. In the region there will be more expensive in Duisburg, Krefeld, Leverkusen.

Happy Münster, Krefeld poor. While the future Westphalia pay significantly less in car insurance premiums, must Ruhrpöttler dig deeper into their pocket. It does not matter in which of the 120 car insurance company they hold an insurance policy. The reason: Nationally, drivers are classified by place of residence in risk classes. The accident rate in the region is reviewed every year: What has been done better, there is a better classification – and vice versa. Effect the new classification is as of 1 January next year, the end of this month is again closing date for redundancies in the regular car insurance.

In the auto liability means a risk class up or down a price change of up to five percent. In the CDW is as high as six and in the partial cover even 10 percent, estimates the HUK-Coburg, who is now in private business’s largest provider. Depending on the insurer and class are deviations from these values. In the partial cover only the registration district Höxter is cheaper, food, Solingen, Dusseldorf, Leverkusen, Unna and Erftkreis decrease by one level.

The revised regional risk classes follows a statistics of the General Association of German Insurers (GDV). You tend to follow all the insurance industry. While all of NRW in the ups and downs in the regions this year, with almost always comes with a class up or down, improve the Munster fail in the auto liability insurance equal to two classes down. Sharp tongues justify those statistics so that nothing is going on in the Münsterland. Others praise the good driving skills of drivers that are checked daily by thousands of hard pedaling students.

are crucial for the accidents, especially road infrastructure and traffic density. “In the countryside everything is clear, and there is rarely met by a car driver,” Karin brings Rueter de Escobar by the General Association of German Insurers (GDV) of these facts to the point. Nevertheless, of course, the use of the automobile has something to do with the accident: How many regions in Bavaria on the GDV-region map pink, red, or even how Kaufbeuren, black. The city is in the auto liability insurance in the highest rated class 12, while Munster are in future only to class two. Unlucky this year, the Krefeld. You get in the car liability in class eight and in the comprehensive insurance to one count of class six.

Relevant for the regional classification is in many car insurance companies but not the identity, but the zip code of residence. “With more than 8000 zip codes, we achieve a very fair division of the regions according to the actual risk of harm,” says the measure DA Direct Executive Norbert Wulff.

Effective the new regions are generally of the year. Here, the principal residence is considered crucial. “The car has to be admitted to the main residence,” said Peter Keulertz, head of the Road Traffic Office in Dusseldorf.

Who can change his center of life, because he might be a pensioner now living more in the holiday than in the city apartment, must re-register as “tricks” and his car. “There just between town and country is mostly large premium differences,” says Wolfgang Leix of the Generali insurance. But the decisive factor was the food Punk. “This is about where you go to work or the family lives.”

Price increases through higher risk classes can absorb many drivers much better through an insurance exchange, or at least mitigated. While there are this year probably no big price war, the differences in the market but still powerful. After computing the consultancy Nafi from Höxter are still observed price ranges of over 150 percent. Motorists can cancel their regular provider to 30 November. “We send our bills early to mid-November,” it says at the provincial Rhineland. Who gets his bill later, has, for example, if the premium higher because of an increased regional class fails, a special termination. This is within four weeks of receipt of the invoice.

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