Regional Class
The regional class is a geographic risk classification for car insurance based on claims frequency in the region.
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Detailed Explanation
The regional class reflects the statistical accident risk and claims frequency in a registration district. It is updated annually by the GDV.
Influencing factors: - Traffic density - Road conditions - Weather conditions - Theft rate - Wildlife accidents
Regional class ranges: - Liability: 1-12 (12 = highest risk) - Partial comprehensive: 1-16 - Full comprehensive: 1-9
Regional differences: - Major cities: Often higher classes (more accidents, more theft) - Rural areas: Usually lower classes - Wildlife-rich areas: Higher partial comprehensive classes
The regional class is determined by the residence (vehicle owner's residence), not by the most frequent driving area.
Practical Example
A vehicle owner in Munich (high regional class 8) pays more than one in a rural district with regional class 2, even with the same vehicle and no-claims class.
Legal Basis
GDV Regional Class Directory