September 20, 2021 – The worst damage balance among the major German cities has the federal capital Berlin in motor liability insurance as well as in full and partially comprehensive insurance. It looks best in Cottbus (motor vehicle liability), Paderborn (fully comprehensive) and Erlangen (partial comprehensive). This is shown by detailed data from the new regional class statistics of the GDV.
At the end of August the General Association of the German Insurance Industry eV (GDV) published the new regional class statistics (VersicherungsJournal 26.8.2021). The basis for the classification is an actuarially calculated index value, which shows the claims balance sheet for the 413 registration districts in Germany.
Every year, an independent trustee reviews the claims history of the regional registration districts. On this basis, a new classification into the regional classes is carried out, which is not binding for the insurance company and can be used with immediate effect for new contracts and for existing contracts with the main maturity. As a rule, this is January 1, 2022, according to the GDV.
The regional classes are influenced, among other things, by the driving behavior of the car driver, the number of registered vehicles and the local road conditions.
According to the association, the insurance benefits for injured third parties after traffic accidents are decisive in the area of motor vehicle liability.
In the area of comprehensive insurance, local peculiarities (such as theft frequency, storm and hail damage or the number of accidents involving animals) are also taken into account. According to GDV, the decisive factor is not where the damage occurred, but in which registration district the vehicle owner is domiciled.
There are twelve regional classes for motor vehicle liability, 16 for partially comprehensive and nine for fully comprehensive insurance.
Motor vehicle liability: Berlin at the top
In large German cities with more than 100,000 inhabitants, as in the metropolises (September 2, 2021), there are huge differences when it comes to claims balances. In the field of motor vehicle liability, the series “front runner” Berlin (9/22/2020, 10/11/2019, 9/17/2018) has a damage index of more than 137. This also means the highest value nationwide and – as for 15 other cities – regional class twelve .
It is followed by Offenbach, Wiesbaden, Kassel and Ingolstadt with values of around 130 each. The association statisticians have also calculated comparatively high claims balances (127 to 125) for Hamburg, Augsburg, Munich and Essen.
The index value of Berlin has deteriorated by more than one point, that of Kassel by more than three points. In contrast, Ingolstadt has improved by almost three points and Augsburg and Munich have each improved by more than one point. Recently in regional class twelve, Frankfurt am Main, Düsseldorf and Remscheid can be found again with index values of just over 120 each.
Cottbus with the best KH damage balance among the big cities
The rarest of all crashes in Cottbus. There, after a significant increase, the index value is now over 82, which still corresponds to regional class one. No other major city is included in this.
Schwerin slipped into regional class two after another significant increase in the index value. The Hanseatic city of Rostock and Münster (Westphalia) are still located there.
For comparison: led by the Prignitz district, 55 districts nationwide are grouped into the lowest regional class one. According to the GDV, the national average of 100 corresponds to regional class six in motor vehicle liability insurance.
Fully comprehensive: Wesermarsch in Brake with the best balance
In the area of fully comprehensive insurance, the federal capital – currently with a damage index of over 138 – is the only one of the major cities in this country to be classified in the highest regional class of nine. Incidentally, this also corresponds to the highest value nationwide.
This is followed by the Hanseatic city of Hamburg, Augsburg, Ulm, Pforzheim, Munich and Leipzig with index values between 119 and just under 113. This corresponds to regional class seven in each case. With the exception of Pforzheim and Munich, all of the aforementioned cities, Leipzig even improved significantly.
According to GDV, the national average of 100 corresponds to regional class four. The Lower Saxon registration district Wesermarsch in Brake performed best with an index value of 76. 30 other districts were grouped into regional class one like Wesermarsch.
Partial coverage: Berlin with the worst damage index
The worst damage balance among the large cities is also found in the partially comprehensive insurance Berlin (132 index points). The value improved by around four points again. However, this still corresponds to regional class ten (previous year: eleven).
In partially comprehensive insurance, Berlin is far removed from the inglorious top position at the federal level – unlike in motor vehicle liability insurance. This is shown as over 204 for the Ostallgäu district. Overall, 55 (previous year: 39) registration districts performed worse than the federal capital.
The association statisticians have also calculated comparatively high damage index values between over 122 and a good 114 for Cottbus, Cologne and Ulm, all of which are classified in regional class nine. Cottbus improved by one class.
Obtain with the best damage balance in partial coverage
With a damage index of just under 58, Erlangen is the leading city in Germany with partial coverage. In second and third place are Münster (Westphalia – 61) and Würzburg (64). All three cities are classified in the lowest regional class, one, with only in Erlangen improving the damage balance. Nationwide, only Bamberg did better.
As the GDV further explains, “no statement can be made about the development of the total motor vehicle insurance premium about a change in the regional class”, because it is still various other tariff features gives. These can differ considerably from insurer to insurer.
The classifications of all 413 admission districts in the individual regional classes can on this website be queried.