New Type Classes 2026
Car Insurance Update
The GDV has updated type classes. Check how this affects your car insurance premium.
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Find the best rate despite new type classes
Type Class Trends 2026
Compact Cars
VW Golf, Opel Astra
Large SUVs
BMW X5, Mercedes GLE
Mid-Range EVs
Tesla Model 3, VW ID.3
Sports Cars
Porsche 911, BMW M3
Small Cars
VW Polo, Fiat 500
How Do Type Classes Work?
Liability (HP)
10-25
How often do drivers of this model cause damage to others?
Partial (TK)
10-33
Theft, glass damage, wildlife collisions for this model
Comprehensive (VK)
10-34
Self-inflicted accidents and vandalism
What to Do with a Higher Type Class?
1. Compare Offers
Different insurers weight type classes differently. A comparison can show different prices despite the same type class.
2. Use No-Claims Bonus
A high no-claims class partially offsets higher type classes. Years of accident-free driving pays off.
3. Increase Deductible
A higher deductible in partial and comprehensive coverage significantly lowers the premium - 500 EUR instead of 150 EUR often pays off.
4. Adjust Your Plan
Garage use commitment, telematics rates, or driver restrictions can save additional money.
Frequently Asked Questions
What are type classes (Typklassen)?
Type classes are statistical metrics showing how damage-prone a vehicle model is. The GDV (German Insurance Association) updates them annually based on claims statistics.
What type classes exist?
There are three type classes: HP (liability) with 10-25, TK (partial coverage) with 10-33, and VK (comprehensive) with 10-34. The higher the number, the more expensive the insurance for that model.
When do the new type classes 2026 apply?
The new type classes are applied by insurers from January 2026. The change automatically affects all contracts at the next renewal date.
Should I switch insurers if my type class increased?
Switching isn't necessarily cheaper with a higher type class - other insurers use the same classes. However, comparing is always worthwhile as weighting differs between providers.
Which cars were rated higher?
In 2026, particularly SUVs and high-performance models were rated higher. Compact cars and mid-range EVs mostly remained stable or improved.