These are the metropolises with the worst loss balance sheets

September 2, 2021 – Among the major German cities with more than 500,000 inhabitants, the federal capital Berlin has the worst damage balance in motor vehicle liability insurance as well as in full and partially comprehensive insurance. It looks best in Bremen (motor vehicle liability) or in Nuremberg (fully and partially comprehensive). This is shown by detailed data from the new regional class statistics of the insurance association.

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.

Regional classes

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 non-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 the German metropolises with more than 500,000 inhabitants, there are huge differences in terms of the claims balance. In the field of motor vehicle liability, the series “front runner” Berlin (August 31, 2020, October 11, 2019, September 17, 2018) has a damage index of over 137. This also means the highest value nationwide.

This is followed by the Hanseatic city of Hamburg, Munich, Essen, Nuremberg, Frankfurt am Main and Düsseldorf with index values ​​between 127 and 120. The seven aforementioned cities are each classified in the highest regional class of twelve.

The index values ​​of Hamburg, Nuremberg and Munich have improved slightly, those of Düsseldorf, Essen and Frankfurt am Main Essen have deteriorated slightly. An increase of well over one point was observed in Berlin.

Bremen with the best loss balance among the metropolises

On the other hand, the rarest of all crashes is in the Hanseatic city of Bremen. There, after a slight decrease, the index value is a good 103, which still corresponds to regional class seven. The association statisticians also have comparatively good claims balances for Stuttgart, Hanover and Leipzig (class nine each)

While there was again an improvement of over one meter in Leipzig, Stuttgart is currently classified one class lower than for the current year after a slight increase in the index value. This also applies to Frankfurt am Main and Düsseldorf.

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: Berlin with the worst record

In terms 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. This corresponds to the third highest value nationwide.

It is followed by Hamburg, Munich and Leipzig in class seven with index values ​​between 119 and just under 113. The damage balance in Leipzig, Berlin and Hamburg improved significantly, giving the latter one class better.

The association statisticians have again calculated the lowest damage index among the cities with more than 500,000 inhabitants for fully comprehensive insurance for Nuremberg (around 98 – regional class four). In addition to Bremen, Dortmund and Dresden are now also grouped in the same class, where the index has been significantly reduced in each case.

Damage index fully comprehensive (Image: Wichert)

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: Nuremberg with the best 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, but this still corresponds to regional class ten (previous year: eleven).

At the federal level, Berlin – unlike in motor vehicle liability insurance – is far from the inglorious top position. This is shown as over 204 for the Ostallgäu district. Overall, 55 (previous year: 39) registration districts performed worse than the federal capital.

Comparatively high index values ​​of 114 and 110 respectively are recorded for Cologne and Leipzig. In the latter metropolis, the index value fell by four points, so that it was currently sufficient for regional class eight (nine). The national average of 100 falls in regional class seven.

With a damage index of less than 71, Nuremberg is also at the bottom of the list with partial coverage. Frankfurt am Main is one place above it. The almost 77 index points mean regional class three.

Damage index partially comprehensive (Image: Wichert)

Numerous tariff features for the insurance premium

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 registration districts in the individual regional classes on this website be queried.



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