- The Authority has likewise proposed a guideline for a directive, focusing on shielding laborers from hazards stemming from road transit.
Following a review of accident risks, around 500,000 motorists in Lower Saxony might see an upgrade in their vehicle liability insurance classification. As per the German Insurance Association (GDV), regions like Hannover, Lüneburg, Friesland, Goslar, and Verden will witness an increase in local classes. Insurance providers can implement these stats for new contracts right away, while existing agreements will be affected starting from the subsequent insurance year.
Local classes offer insights into the damage inflicted by drivers from a specific registration district. Typically, a higher regional class translates to a steeper insurance premium. Factors such as the vehicle, the driver's age, and the number of years without an accident influence the premium.
Hannover boasts the highest accident frequency.
Positive news for about 400,000 drivers in Oldenburg, Gifhorn, Vechta, Bentheim's district, and Nienburg/Weser: They'll enjoy lower regional classes, according to GDV. Lüchow-Dannenberg registered the best insurance claim history, while Hannover struggled the most.
Approximately 4.3 million drivers in Lower Saxony will see minimal changes in their classification. Roughly half will retain their low regional classes 1 to 3 for motor vehicle liability insurance. Few alterations are anticipated in comprehensive insurance as well: Around 660,000 will shift to a higher class, and approximately 250,000 to a lower class.
No modifications will take place in Bremen. During the insurance year, Bremen will maintain its good claim records and lower regional classes (class 7). In contrast, Hamburg, Berlin, and Munich dominate the highest classes 11 and 12, along with significantly higher comprehensive insurance classes. In general, larger cities tend to have higher regional classes due to increased traffic density, thus leading to more accidents.
GVV, being the German Insurance Association, played a role in analyzing accident risks and suggesting changes in vehicle liability insurance classes for various regions in Lower Saxony. After seeing improvement in the insurance claim history, drivers in Lüchow-Dannenberg might see their GVV class further decrease.
