In terms of liability insurance, millions of owners will have to adapt to changes in 2023. All info.
Berlin/Kassel – From 2023, millions of drivers will have to adjust to a change in their liability insurance. As reported by the General Association of the German Insurance Industry (GDV), the regional classes are being adjusted in many registration areas.
In general, the better the classification in the respective regional class, the cheaper it is for the driver’s insurance premium. However, other factors also determine the amount of the insurance premium.
Change affects millions of drivers – regional classes are reclassified
According to this, around ten million owners must expect to be classified in a higher class. Around 5.5 million motorists can expect a lower figure. According to the announcement, a higher class will soon apply in a total of 101 registration districts. For the remaining 244 districts in Germany, however, the class should remain the same. More than 26 million drivers are affected.
The reclassification of the regional classes causes many changes in the motor liability insurance of cars. The GDV is responsible for the division of the regional classes, which happens once a year. “The regional classes reflect the damage balance of the approximately 400 German registration districts and are calculated once a year by the GDV. The decisive factor is not where the damage occurred, but in which registration district the vehicle owner resides,” says the association in this regard.
“Brandenburg, Schleswig-Holstein, Lower Saxony and Mecklenburg-Western Pomerania achieve particularly good claims balances in motor vehicle liability insurance: Here drivers cause less or less expensive damage than the national average,” emphasizes Jörg Asmussen, GDV General Manager.
Anyone who wants to find out in which regional class their district is classified can do so via a GDV portal. (tu/dpa)
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