car type classes

A type class is assigned based on how many accidents or claims are related to certain model of car. Insurance companies look at how many incidents specific vehicles are involved in and what the repair costs amount to over the previous three years. Type classes are not permanent and change based on the previously mentioned criteria. It's worth noting that different tariffs, such as comprehensive coverage or third party liability, take into account the damage and costs covered by the individual policy. For example, damage caused by third parties to your vehicle would not affect the class for third-party liability as you are not able to claim for this.