Type Class
The type class is a classification of the vehicle model for car insurance, based on claims statistics.
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Detailed Explanation
Every vehicle model is annually classified into type classes by the GDV (German Insurance Association). The classification is based on the claims frequency and amount of all registered vehicles of that type.
Type class ranges: - Liability: 10-25 (25 = highest risk) - Partial comprehensive: 10-33 - Full comprehensive: 10-34
Classification factors: - Accident frequency of the model - Average repair costs - Theft frequency - Wildlife damage - Glass breakage
Examples (as of 2024): - VW Golf 8: TK 14 / VK 17 / HP 12 - BMW 3 Series: TK 19 / VK 22 / HP 15 - Small cars: Often lower classes
The type class is updated annually and can change.
Practical Example
A sports car with type class HP 25 is more expensive to insure than a small car with HP 12, because statistically more damage is caused with sports cars.
Legal Basis
GDV Type Class Directory