Casko insurance in Berlin: increasing contributions due to high number of accidents

Casko insurance in Berlin: increasing contributions due to high number of accidents

The comprehensive insurance for drivers in Berlin may be faced with an increase in contributions. According to the overall association of the German Insurance Industry (GDV), the capital has received a new classification in the regional classes due to an alarming damage balance. This affects around 900,000 comprehensive insured persons who have to expect rising costs in the coming year.

A look at the damage statistics shows that Berlin is doing poorly compared to other German cities. In the past year, there were more frequent accidents in road traffic, which led directly to an increase in the cascocal contributions. While the GDV has classified the city at the highest level 9 due to this negative balance sheet in the fully comprehensive class, the partial casco damage assessment is also increased to regional class 11 out of 16.

comprehensive insurance in a critical situation

The effects of this new classification are noticeable for drivers in the capital. A higher regional class means that the insurers can theoretically increase the premiums due to the poorer damage balance, which could lead to additional financial burden for those affected. Berlin thus takes second place nationwide in relation to the worst damage balance, directly behind Offenbach, and is the undisputed number one among the big cities with over 300,000 inhabitants in the negative ranking.

In contrast, the neighboring Brandenburg has achieved significantly better results, with one of the lowest claims in the entire federal territory. The Elbe-Elster district in particular records the best damage balance in Germany, which leads to lower contributions in many approval districts. The lowest regional classes from 1 to 3 continue to apply here in twelve out of 18 districts, which is positive news for drivers in the region.

The regional classes are an essential criterion for insurers to calculate the contributions for car insurance. The higher the level, the worse the damage balance and the more the insurance premiums can increase. The classification is based not only on accidents, but also on self -fault, stolen vehicles, glass damage and natural events that can cause damage.

insurance benefits and their importance

According to GDV, the amount of insurance benefits plays a crucial role in vehicle liability insurance for damaged third parties. The comprehensive insurance, on the other hand, focuses on damage caused by yourself and other casco cases, such as car theft or damage from game accidents. This differentiation is important because it shows how different the insurance models react to the respective risks.

A look at future developments

It remains to be seen how Berlin politics and the insurance industry will react to these developments. A targeted traffic safety campaign might help to improve the damage balance and thus also to have a lasting impact on future insurance contributions. The challenge is to increase traffic safety and at the same time minimize financial burdens for drivers in the capital.

The effects of an increasing damage balance on car insurance are not only limited to the increase in premiums. The increased contributions can force drivers in Berlin to rethink their financial priorities. For families or people with limited incomes, this can lead to a burden, which may even lead to a car forego or switching to cheaper insurance. Compared to other federal states, these increases could influence the regional car trade and the mobility decisions of the people.

The GDV also lists other factors that have an impact on the premiums. This includes, for example, the age of the vehicle, the type of vehicle and the driver's individual damage history. In Berlin, it is crucial that drivers are aware of the risks and possibly consider additional security measures to reduce their premiums.

influence of urban conditions

The urban conditions in Berlin such as the high traffic volume, urban infrastructure and a density of parking spaces contribute significantly to the frequency of accidents. False parkers, tight roads and the constant competition for parking spaces are just a few factors that increase the risk of accidents. There are also a large number of electrically operated vehicles and e-scooters in Berlin, which also complicated the situation. The presence of these road users significantly increases the potential risk of accidents, since both drivers as well as pedestrians and cyclists have to be adapted.

In comparison, Brandenburg has a predominantly rural structure, which leads to less traffic and therefore less accidents. Different city and land structures have a direct impact on the insurance contributions. For example, drivers in rural areas tend to benefit from lower premiums.

Comparative statistics on the damage balance

According to the current statistics of the GDV, the damage balance in Berlin is alarming compared to other cities. While the damage is an average of 37 percent above the nationwide average annually, Brandenburg ranks in the lower area and even has up to 30 percent lower damage reports. Among other things, this is due to less traffic, better road conditions and a lower density of vehicles.

The comparison of cities can also provide evidence of the need for further measures in urban traffic management. In the capital, initiatives are crucial to improve traffic safety in order to reduce the frequency of accident and thus to stabilize the insurance premiums in the long term.

- Nag