The new type classes for 2016 are here. While drivers whose vehicles are being downgraded to a lower-end type can hope for lower premiums for their car insurance, car owners looking for vehicles with a higher car class from 2016 onwards will have to expect higher premiums . However, changes in the type class “do not allow conclusions about the development of the total motor insurance contribution,” according to the German Insurance Association (GDV), which published the type classes for 2016 today. Because the amount of the insurance premium depends on several factors. Nevertheless, many drivers are interested in the respective class of their car.
Update September 7, 2016: The type classes for 2017 are now fixed.
Type classes 2016: What changes are there in motor insurance?
For policyholders insured by motor insurance, there will be little change in 2016. About 14 percent of the vehicles are downgraded to a lower type class and 16 percent are upgraded . Significantly more changes are in the partial and comprehensive insurance. Almost every second vehicle gets a new type class. This means a better categorization in figures for 8.6 million vehicles in the fully comprehensive (VK) and for 5.3 million vehicles in the Teilkasko (TK) from next year. A worse, higher class, however, results for “just under 800,000 fully comprehensive and almost 300,000 partially covered cars”, so the GDV.
For example, these vehicles will be reclassified:
New type class 2016 motor insurance
- Ford B-Max 1.0 (-2)
- Audi A3 Sportback (-2)
- Golf VII Estate TDI (-2)
- Skoda Octavia 1.2 TSI (+1)
- Mercedes C 180 (+3)
- Kia Carens (+2)
New type class 2016 Motor vehicle insurance
- Opel Mocha 1.6 (-3 VK, -1 TK)
- Seat Leon 1.4 TSI (-3 VK)
- Subaru Forester 2.0 D (-3 VK)
- Nissan Qashqai 1.6 DCI (-4 VK)
- Suzuki Alto 1.0 (-1 VK, 3 TK)
- Range Rover Sport 3.0 TD (+2, +5 TK)
- BMW 420 D Coupe (+2 VK)
- Jaguar F-Type Roadster (+1 VK)
- Mazda 3 FLH 2.0 (+5 VK)
- Lexus RX450 Hybrid (+4 TK)
Put an end to the high contributions of your car insurance.
Which type class does my car have 2016?
Anyone who wants to know which type of vehicle his vehicle will have in 2016 can turn to the type class index of the GDV. For this, owners need the key numbers of the manufacturer and the type that drivers find in the vehicle registration.
In order to determine the type class for the respective year, the vehicle damage and repair costs of the last three years are compared with those of previous years. If less damage has been regulated, the corresponding vehicle type will fall into a lower class. In case of more damage, an upgrade will take place. In addition to road accidents, car insurance, fires, broken windows and damage caused by natural disasters also play a role in the balance sheet of comprehensive insurance .