Teure Autos, teure Reparaturen: Neue Typklassen in der Kfz-Versicherung
Bei teuren Autos kosten auch die Reparaturen mehr. Das spiegelt sich in den Typklassen wider. Am günstigsten sind historische Kleinwagen - die nur noch selten auf der Straße sind.
Deutsche Versicherer have raised insurance categories for 7.4 million car owners in Germany, reflecting accident rates and repair costs. Conversely, 5.1 million drivers will see cheaper categories, according to the German Association of the Insurance Industry. Two examples illustrate the changes: the VW T7 Multivan 2.0 TDI becomes two categories cheaper in liability insurance, while the Citroen C5 1.2 becomes two categories more expensive.
Particularly beneficial are two models, the "Knutschkugel" (BWM Isetta, Goggomobil, Citroen 2CV) and the "Ente" (Citroen 2CV), which are placed in the lowest insurance category 10 for all three types of car insurance. These classic cars are typically owned by enthusiasts who maintain and rarely drive them. The classification system is intricate, with 16 categories in liability insurance (10-25) and 25 in comprehensive insurance (10-34).
Liability insurance reflects damage caused to others in accidents, while comprehensive insurance also covers hail damage, collisions, or theft of the insured vehicle. Expensive cars and replacement parts usually result in higher comprehensive insurance categories. Affordable small cars are also often cheaper in comprehensive categories.
The most affordable comprehensive category is ten for Renault Twingo and eleven for Fiat Panda. Among the most expensive comprehensive and liability categories are several Porsche 911 Carrera models from different decades. Notably, the same Porsches are in the lowest category ten in liability insurance, indicating safer driving and fewer accidents.
In liability insurance, high-performance Range Rover models are at the top of the most expensive categories. The type of car and the driver's age also matter. Most car owners retain their current categories this year, with two-thirds keeping their previous categories. The category influences insurance premiums, and regional classification is another factor.
Age is a significant influence, as older drivers cause more accidents than middle-aged drivers, resulting in lower premiums for middle-aged drivers.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
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