The new type class classifications for 2022 have been determined
The General Association of the German Insurance Industry has issued the new type class ratings. For over seven million drivers, higher ratings will apply in the future. What does that mean?
Type classes 2022: higher ratings for over seven million drivers
There are also type classes in comprehensive insurance
This is how the type classes are calculated
Video: car insurance type classes
What is the type class actually?
To calculate the type classes, the damage and the resulting costs are considered over the last three years. If the damage reports and the costs incurred have decreased compared to the last calculation, the car is classified in a lower type class. If damage and costs have increased, the vehicle is rated higher. In liability there are 16 type classes (from 10 to 25), in partial coverage 24 (from 10 to 33) and in fully comprehensive 25 (from 10 to 34). In terms of liability, the cheapest type class 10 is practically only valid for oldtimers – they are rarely driven and the owners guard their treasures by driving particularly carefully. In contrast, popular entry-level models are often characterized by high type classes, as novice drivers often cause sheet metal damage.