August 31, 2020 – Among the major German cities, the federal capital Berlin has the worst damage balance in terms of motor vehicle liability insurance as well as full and partially comprehensive insurance. It looks best in Bremen (motor vehicle liability) or 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 (GDV) published the new regional class statistics (Insurance Journal August 26, 2020). 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 checks 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, 2021, according to the GDV.
The regional classes are influenced, among other things, by the driving behavior of motorists, 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 characteristics (such as theft frequency, storm and hail damage or the number of accidents involving wildlife) 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 loss balance. In the field of motor vehicle liability, the series “front runner” Berlin (October 11, 2019, September 17, 2018) has a damage index of almost 136. This also means the highest value nationwide.
This is followed by the Hanseatic City of Hamburg, the two Bavarian cities of Munich and Nuremberg, and the North Rhine-Westphalian metropolis of Essen with index values between 127 and 124. The five aforementioned cities are each classified in the highest regional class of twelve.
The index values of Hamburg and Munich have improved slightly, those of Essen have deteriorated slightly. In Berlin an increase of over one point was observed, in Nuremberg a decrease of over one percentage point.
Bremen with the best loss balance among the metropolises
In contrast, the rarest of all crashes is in the Hanseatic city of Bremen. After a slight increase, the index value is now a good 103, which still corresponds to regional class three. The association statisticians have also calculated comparatively good loss balances for Stuttgart (regional class eight), Hanover and Leipzig (both class nine).
While the values in Hanover and Stuttgart remained at the previous year’s level, there was an improvement of around 1.5 points in Leipzig. As a result, the Saxon city was ranked one class better. Dortmund, on the other hand, deteriorated after a slight increase in the index value by one level in regional class ten.
For comparison: led by the Prignitz district, 55 districts nationwide are grouped into the lowest regional class one. The national average of 100 in motor vehicle liability, according to the information provided by the insurance association, corresponds to regional class six.
Fully comprehensive: Berlin with the worst record
With fully comprehensive insurance, the federal capital – currently with a damage index of almost 140 – is the only major city in this country to be classified in the highest regional class nine. Incidentally, this corresponds to the highest value nationwide. This is followed by Hamburg (class eight) as well as Leipzig and Munich (each regional class seven) with index values between 120 and just under 113.
The claims balance improved significantly in Berlin and Leipzig and slightly in Hamburg. In the Bavarian capital, the loss situation worsened by more than two points. As a result, Munich fell behind Cologne and was upgraded by one class. In the city on the Rhine, however, the index value was over two points better. As a result, Cologne is now classified one regional class better than in the previous year.
The association statisticians have again calculated the lowest damage index among cities with more than 500,000 inhabitants for fully comprehensive insurance for Nuremberg (just under 99 – regional class four). Bremen is also classified in the same class, where the index deteriorated by over one point to almost 102.
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. 33 other districts were grouped into regional class one like Wesermarsch.
Partial coverage: Nuremberg with the best damage index
With a damage index of 72, Nuremberg is the leading metropolis in the Federal Republic of Germany even with partial coverage. Frankfurt am Main ranks second. The 75 index points also mean regional class three. Stuttgart follows with 81 points, which corresponds to regional class four.
The worst damage balance among the large cities is also found in partial coverage Berlin (136 index points). The value improved by almost four points, so that it is currently enough for regional class ten (previous year: eleven).
At the federal level, this does not represent the highest figure – unlike fully comprehensive insurance and motor vehicle liability insurance. It is shown at over 208 for the Ostallgäu district. A total of 39 registration districts performed worse than the federal capital.
Comparatively high index values of 116 and 114 respectively are recorded for Cologne and Leipzig, which despite improvements are still classified in regional class nine. The national average of 100 falls in regional class seven.
Numerous tariff features for the insurance premium
As the GDV further explains, “no statement can be made about the development of the overall motor vehicle insurance premium about a change in the regional class”, as there are various other tariff features. These can differ considerably from insurer to insurer.
The classifications of all 413 admission areas in the individual regional classes can be found on this website.