Regional class
The regional class is a risk feature for calculating the insurance premium for motor vehicle liability insurance and comprehensive insurance . The allocation to a region is based on the main residence of the vehicle owner (previously: allocation according to the registration number). The regional classes are determined by so-called index values. The insurers are free to set the index limits, which can also lead to deviations in the regional class allocation, which is seldom the case. Since some insurers name the lowest regional class R0 (following R1, R2 etc.), others R1 (following R2, R3 etc.) with the same index limits, the only visual impression here is a different allocation.
In principle, the following applies to the regional classes: the lower the classification in the insurance class, the cheaper the car insurance. If the fee increases due to a change in the type and regional class (summarized), the contract can be terminated at the time it becomes effective, usually on January 1st of each year.
A trustee determines the index values for the respective registration districts once a year. The regional statistics for the total of 415 German registration districts are published once a year by the Association of the German Insurance Industry .
Since January 1, 2002, motorcycles in motor liability and partial comprehensive insurance have also been divided into a regional class system. Due to insufficient statistical data, a regionalization in the comprehensive insurance has not yet taken place. For the types of insurance separately, there are different values that depend on the claims experience. The claims history of the last five years is used as a basis. The regional class of an admission district in liability insurance is determined by
- the driving behavior of all drivers
- the number of damage related to the number of vehicles registered
- the average amount of damage
If there is a hotspot of accidents in a district, this can lead to an above-average number of claims. The frequency of theft, storm and hail damage and the number of accidents involving wildlife also play a role in comprehensive insurance.
Rural areas with little traffic tend to be more favorable in terms of contribution than urban areas or rural districts with high through traffic and thus higher claims frequency. The regional class is vehicle-independent.
See also
Web links
Individual evidence
- ^ GDV: Regional statistics for motorcycles
- ^ GDV: Regional classes briefly explained. Retrieved April 16, 2018 .