The Regional class (AC) is a calculation variable or a characteristic of risk to determine the contribution of car insurance. Provides information about how high the density of accidents in the region is, a motorist wants to ensure your vehicle. Reason for the classification of vehicles in several regional classes, is that the probability of an accident in some regions is greater than in others.
Of a region to high risks of accidents can be included in premiums insurance companies. I.e., the rate of accidents in the region in which there has been a vehicle, has influence on the amount of the insurance premium. When regional kinds of retail and wholesale are and how to determine the class of your own vehicle, please read the TopTarif problem solver of problems. We must also learn the RK is determined in the automobile liability insurance and how insurance.
HOW DO I DETERMINE THE CLASSES OF THE REGION?
In Germany, there are a total of 415 districts of vehicle registration. What class is assigned to a single district? Each month October turns to determine. For Association ranking occurring the first day of the month of October each year, give new type of regional classes that will make effective the following year.
The RK there both for compulsory automobile insurance and waiver of damage by collision and partial coverage of police. What class gets a district?, the objective of the MTPL after driver’s driving behaviour. The number of damage was based according to the number of cars that have in the district or city, thus also the amount of half damage. In insurance, determines also that often the robberies, the type of accident, if there is damage by nature such as storms, hail, etc.
THE DIFFERENT CLASSES HAVE REGIONAL RESPONSIBILITY, INTEGRAL AND PARTIAL COVERAGE
Calculated on this basis loss values by registration district they then become an index value, which determines the respective RK. Depending on the type of car insurance, there are many different:
Of a region to high risks of accidents can be included in premiums insurance companies. I.e., the rate of accidents in the region in which there has been a vehicle, has influence on the amount of the insurance premium. When regional kinds of retail and wholesale are and how to determine the class of your own vehicle, please read the TopTarif problem solver of problems. We must also learn the RK is determined in the automobile liability insurance and how insurance.
HOW DO I DETERMINE THE CLASSES OF THE REGION?
In Germany, there are a total of 415 districts of vehicle registration. What class is assigned to a single district? Each month October turns to determine. For Association ranking occurring the first day of the month of October each year, give new type of regional classes that will make effective the following year.
The RK there both for compulsory automobile insurance and waiver of damage by collision and partial coverage of police. What class gets a district?, the objective of the MTPL after driver’s driving behaviour. The number of damage was based according to the number of cars that have in the district or city, thus also the amount of half damage. In insurance, determines also that often the robberies, the type of accident, if there is damage by nature such as storms, hail, etc.
THE DIFFERENT CLASSES HAVE REGIONAL RESPONSIBILITY, INTEGRAL AND PARTIAL COVERAGE
Calculated on this basis loss values by registration district they then become an index value, which determines the respective RK. Depending on the type of car insurance, there are many different:
- Responsibility: 12 RK
- Partial coverage: 16 RK
- Comprehensive: 9 RK
The following applies: the greater the regional category for a vehicle, the more expensive the insurance premium. A low rating in turn has a favourable effect on the premium of.
Since the class is just a function for the calculation of the premium, a higher classification does not automatically result in a growing contribution have. The same applies, however, to a lower classification, and therefore better for the revaluation and a decreasing contribution.
Very separate to that RK, also has a function connected with the cars, the kind of premium plays a very important role (the type of accident that covers, and same damage), on the other hand the occupation of the client, the driver’s age, mileage which runs annually, among other things.
RURAL-URBAN COMPARISON: FIRST REGIONAL CATEGORY HIGHER IN THE CITIES
The rate of accidents in big cities is much higher than in rural areas, which already can be attributed to the density of traffic in urban areas alone. Therefore, car owners must have a rating higher than motorists in rural areas in large cities, in principle. However, the climatic conditions and the behaviour of motorists driving a particular region affect the RK, when it comes to classification for auto insurance.
Striking in liability insurance regional classes: a recognizable slope Southeast of the country. According to the statistics of State-oriented country, inform us there lost children in the South, give us to know why because of the climate of the place, secondly the amount of cars are registered in this area. From very low classes benefiting from several years ago motorists in the Federal States (starting from October 2015):
Since the class is just a function for the calculation of the premium, a higher classification does not automatically result in a growing contribution have. The same applies, however, to a lower classification, and therefore better for the revaluation and a decreasing contribution.
Very separate to that RK, also has a function connected with the cars, the kind of premium plays a very important role (the type of accident that covers, and same damage), on the other hand the occupation of the client, the driver’s age, mileage which runs annually, among other things.
RURAL-URBAN COMPARISON: FIRST REGIONAL CATEGORY HIGHER IN THE CITIES
The rate of accidents in big cities is much higher than in rural areas, which already can be attributed to the density of traffic in urban areas alone. Therefore, car owners must have a rating higher than motorists in rural areas in large cities, in principle. However, the climatic conditions and the behaviour of motorists driving a particular region affect the RK, when it comes to classification for auto insurance.
Striking in liability insurance regional classes: a recognizable slope Southeast of the country. According to the statistics of State-oriented country, inform us there lost children in the South, give us to know why because of the climate of the place, secondly the amount of cars are registered in this area. From very low classes benefiting from several years ago motorists in the Federal States (starting from October 2015):
- Brandenburg
- Mecklenburg-Vorpommern
- Schleswig-Holstein
- Lower Saxony
The regional upper classes in MTPL currently get motorists in Berlin and parts of Bavaria. The RK to your district or your car registration, can consult the website of the GDV. You only have to specify your postal code, your registration or the city district. The GDV tool then determines the invalid class referred to the responsibility of the motor, damage by collision and partial coverage.
HIGH-CLASS REGIONAL CLASSIFICATION: SPECIAL LAW ON THE INCREASE OF CONTRIBUTIONS
Changes in the course of the annual recalculation of RK classification, so that their car insurance increase the premium of the year, you can make use of their special right. Advanced completion is activated days after November 30, however this is calculated annually.
Those way auto insurance companies calculate the class type, until the postal code of the biker, and this shows us that each region has its own system of evaluation for each provider individually. The fact that insurance companies assess individual calculation parameters vary greatly, resulting in this dispute. Providers of insurance for cheap cars in your area, please go faster with a rates calculator online.
HIGH-CLASS REGIONAL CLASSIFICATION: SPECIAL LAW ON THE INCREASE OF CONTRIBUTIONS
Changes in the course of the annual recalculation of RK classification, so that their car insurance increase the premium of the year, you can make use of their special right. Advanced completion is activated days after November 30, however this is calculated annually.
Those way auto insurance companies calculate the class type, until the postal code of the biker, and this shows us that each region has its own system of evaluation for each provider individually. The fact that insurance companies assess individual calculation parameters vary greatly, resulting in this dispute. Providers of insurance for cheap cars in your area, please go faster with a rates calculator online.
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