No-Claims Class
The no-claims class (SF class in German) determines the premium rate in car insurance based on claim-free driving time.
Key Takeaways
- •The no-claims class (SF class in German) determines the premium rate in car insurance based on claim-free driving time.
- •No-Claims Class belongs to the Insurance category. We explain it step by step for newcomers to Germany.
- •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%.
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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
Each insurer's General Terms for Motor Insurance (AKB), based on the GDV model conditions; the SF-class and downgrade tables are set out in the appendix to those AKB.
Related Terms
Sources & Methodology
Our methodology: the meinetarife24 Editorial Team checks every definition against binding primary data sources and consumer-focused reference portals. We name the relevant legal basis, link related terms and update each entry regularly. We do not sell loans or tariffs ourselves. This explanation is provided purely for information.
- • Legal basis: Each insurer's General Terms for Motor Insurance (AKB), based on the GDV model conditions; the SF-class and downgrade tables are set out in the appendix to those AKB.
- • Price Indication Regulation (PAngV) at Gesetze im Internet
- • Finanztip and the Deutsche Bundesbank as independent references on interest rates and consumer credit.