No-Claims Class
The no-claims class (SF class in German) determines the premium rate in car insurance based on claim-free driving time.
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Detailed Explanation
The no-claims bonus system rewards claim-free driving with lower premiums. The longer you drive without claims, the better your no-claims class.
No-claims class system: - SF 0: New drivers (first insurance contract) - SF 1/2 to SF 35: Depending on claim-free years - S/M: Claims class (after an accident)
Premium rates (examples): - SF 0: Approx. 100% of base premium - SF 10: Approx. 45-50% - SF 20: Approx. 30-35% - SF 35: Approx. 20-25%
Downgrade after accident: - Varies by insurer - Often several classes back - Bonus protection can prevent downgrade
Transfer: - From parents to children possible - When changing vehicles - When changing insurers
Practical Example
A driver with no-claims class 15 pays about 40% of the base premium. After an at-fault accident, they are downgraded to SF 5 and then pay about 60%.
Legal Basis
§5 AKB (General Conditions for Motor Vehicle Insurance)