In connection with the insurance of the car probably everyone heard already once a question like this from the relative or circle of acquaintances: "On how much percent do you drive?" or "What percentages do you have with the insurance company?"- Not everyone is clear, what it has with car insurance percentages exactly on itself. In our new article we go to this topic therefore intensively on the reason, supply you answers to frequently asked questions and give valuable Tipps to the percentages with the auto-insurance.
What do percentages mean for car insurance??
The premium, which is calculated for the car insurance resp. The amount of the premiums for third party liability, partial cover and fully comprehensive insurance is primarily determined by the type class to which the car to be insured belongs and by the regional class (district in which the car is registered/registered). This is the so-called basic premium, which corresponds to 100 percent.
In the case of motor vehicle liability insurance and comprehensive insurance then determines u.a. the no-claims class – abbreviated to SF class – exactly how high the premium will be for the policyholder. No-claims classes result from accident-free years or. years in which a vehicle was insured but no claim was forwarded to the insurance company for settlement or. any damage that may have occurred was subsequently paid out of pocket in order to maintain the no-claims class. – More about this later under: How to lose percentages on car insurance?
With each SF class a percentage is connected, whereby each insurance company has its own scheme or. has its own table for the SF classes, this percentage is also called the contribution rate. In SF class 20, this premium rate z.B. 20 percent in the case of motor vehicle liability insurance. This means that from the calculated basic premium (s.o.) only 20 per cent must pay. One saves thus 80 per cent in relation to the regular annual contribution. In this context, there is also talk of the no-claims bonus.
Percentages for car insurance reflect how high the annual premium for motor liability or comprehensive insurance actually is – measured against the basic premium determined from the type class and regional class.
Each insurance company has its own list of no-claims classes and percentages or. Premium rates.
The percentages often turn out differently for the motor vehicle liability insurance and comprehensive insurance. There are no such percentages for partial comprehensive car insurance, because there are no SF classes here either, which is related to the fact that the damages like z.B. Glass breakage or deer accidents covered by the partial casco are all outside the responsibility of the insured respectively. driver's keys.
New drivers as well as policyholders with repeated damage (e.g.B. three claims settled by the insurance company within one insurance year) usually pay more than the basic premium (100%) for car insurance. There are considerable surcharges here, depending on the insurance provider, so that the actual premium for car insurance can sometimes be 250 percent or even higher.
How to collect car insurance percentages?
The percentages in the auto insurance are – as already described – a kind of reward for the policyholder. For each year, where he is accident-free on the road resp. If you do not have a claim settled by your insurance company, you will be promoted in the SF classes, whereby there are maximum levels. Depending on the insurer, after 28 to 36 claim-free years you have reached the highest SF class with the lowest premium – the lowest percentages – or also the highest no-claims bonus.
A change to a higher SF class is not always associated with a change in percentages. Depending on the car insurer, there can be identical premium rates for several SF classes or. give percentages.
How to lose percentages on car insurance?
Percentages you lose in car insurance due to damage / accidents settled by the insurer. After a claim settlement by the insurance company, one is usually downgraded by several SF classes. Each car insurer has its own downgrading table in this context, so that therefore, as well as due to the fact that the percentages are also variable among insurers, no blanket statement can be made as to how many claim-free years or. Percentages lost due to damage in each case.
What happens to the percentages when changing insurance?
If one changes the Kfz insurer, one can take along its no-claims class. One profits accordingly further from the already "collected" insurance years without accident or damage.
When changing the car insurance, it can be due to the differences between the car insurers or. the individual deviating SF-class tables can happen in relation to the percentages / premium rates:
- Percentages remain unchanged
- Percentages are higher
- percentages are lower
Even with higher percentages resp. a lower no-claims bonus, the new car insurance policy may be cheaper than the current one if z.B. special other discounts are granted. In any case, it is worthwhile to make a free car insurance comparison online to determine whether the current car policy with its percentages is the best and cheapest option for coverage.
Car insurance percentages transfer – Is that possible??
It is not possible to transfer the percentages in the car insurance itself. Only the SF class can be transferred, with which percentages are then linked again. It must be noted, however, that only so many claim-free years can be transferred or transferred. can be taken over, as one could have reached itself. A novice driver who has only just obtained his driver's license and therefore cannot yet provide proof of accident-free/damage-free driving cannot take over an SF class and thus cannot benefit from percentages.
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