Driver’s age and number of years they’ve a) held a driving licence, b) been driving a vehicle

No-claims class (SF): The longer the policyholder has driven without an accident, the better the SF class and, as a result, the insurance premium

Horsepower, size, model, brand & market value of the vehicle to be insured; this determines the ‘type class’ of the vehicle and the corresponding premium

Annual mileage: The higher or lower the annual mileage, the higher or lower the insurance premium

Region in which the vehicle is registered; depending on this, the vehicle is assigned to a so-called regional class, which influences the insurance premium

The number of drivers of the insured vehicle

Garage commitment: Committing to a partner workshop of the insurer can reduce your premium

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