Car insurance: Type classes for 2018 announce contribution adjustments
- At around fifty percent of cars with comprehensive insurance change the type classes at the turn of the year, in motor vehicle liability, it is about a quarter of the vehicle models.
- For many motorists this means that their insurance premiums may change at the turn of the year.
- With a car insurance comparison, motorists have the opportunity to find a car insurance on more favorable terms.
At the turn of the year, many motorists make contributions to motor insurance and partial or full insurance. On the one hand, this is due to a better claim-free class . On the other hand, insurers adjust the so-called regional and type classes every year. After the German Insurance Association (GDV) has already announced the regional classes for next year, the new motor insurance type classes for 2018 will now follow.
Car Insurance: High and Low Type Classes 2018
Motorists, who are currently considering buying a new car, should note that the type classes are based on different vehicle characteristics. SUVs and high-powered luxury-class models will incur significant insurance costs for repairs or theft of the car. The GDV calls here, for example, the Range Rover 3.0 TD, the Lexus NX 300 H or new models of the BMW 730D .
Depending on the exact version, these vehicles fall into the highest type classes. Accordingly, the car owners have to reckon with high costs for their insurance. On the other hand, the low-budget compact cars include, among others, the Peugeot 108 1.0, the Citroen C4 Cactus 1.2 or the Kia Picanto 1.0 .
Service: Are you worried about a price increase at the turn of the year or are you looking for a cheap car insurance with strong benefits for your new car? Use the car fare comparison and find suitable offers.
How strongly do the type classes 2018 change in motor insurance?
For many drivers, the type classes do not change at the turn of the year. For motor third -party liability insurance , everything remains the same for three-quarters of vehicle models . In the case of comprehensive insurance, about half of the vehicle types are adjusted.
Significantly better is the type class for liability and comprehensive insurance, for example for the following models:
- Dacia Logan Combi 0.9
- Seat Leon ST 1.8 TSI and ST 1.4 TSI
- BMW X1 SDrive 18D
On the other hand, things are going up for these types of vehicles:
- Opel Corsa-E 1.2
- BMW 114l
- Kia Sorento 2.2 CRDI four-wheel drive
- Mini One 1.2
- Mercedes C 180 Coupe
Worse type class: What can car owners do?
If a vehicle is rated better or worse, the 2018 type class usually only changes by one level . There are exceptions though. The BMW 114l and the Jeep Renegade 1.4 T will be classified in the next year in motor insurance third class categories worse. That means a change from 15 to 18 for the BMW and the Jeep from 16 to 19 .
In the event of a deterioration of the type class, it is advisable for motorists to check whether there is any other potential for savings . Thus, the insurance premiums can often be significantly reduced by switching to a cheaper provider . In addition, motor insurers offer various discounts. If these have not been fully exploited, it is worth contacting the previous insurer and requesting a reduction in the contributions .