4.104
Bearbeitungen
Meier (Diskussion | Beiträge) |
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(33 dazwischenliegende Versionen von 2 Benutzern werden nicht angezeigt) | |||
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Bei einem schadenfreien Verlauf der Kfz Versicherung wird zu Beginn des nächsten Versicherungsjahres die Schadenfreiheitsklasse (SF-Klasse) angehoben und somit sinkt der Beitrag. Ist jedoch ein Schadenereignis eingetreten, so wird der Kfz Versicherungsvertrag zum Beginn des nächsten Versicherungsjahres neu eingestuft. Dies erfolgt nach der | Bei einem schadenfreien Verlauf der Kfz Versicherung wird zu Beginn des nächsten Versicherungsjahres die Schadenfreiheitsklasse (SF-Klasse) angehoben und somit sinkt der Beitrag. Ist jedoch ein Schadenereignis eingetreten, so wird der Kfz Versicherungsvertrag zum Beginn des nächsten Versicherungsjahres neu eingestuft. Dies erfolgt nach der Rückstufungstabelle.<br /> | ||
Rückstufungstabelle in der Kfz Versicherungsbeitrag | |||
'''Rückstufungstabelle in der Kfz Versicherungsbeitrag''' | |||
'''PKW''' | '''PKW''' | ||
Zeile 96: | Zeile 96: | ||
Krafträder, Trikes und Quads | '''Krafträder, Trikes und Quads''' | ||
'''Rückstufung im Schadensfall''' | |||
{| class="wikitable" | |||
|- | |||
! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | |||
|- | |||
! von SF-Klasse !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko | |||
|- | |||
| M || M || M || M || M || M || M | |||
|- | |||
| SF 0 || M || M || M || M || M || M | |||
|- | |||
| SF 1/2 || M || M || M || M || M || M | |||
|- | |||
| SF 1 || SF 0 || SF 1/2 || M || M || M || M | |||
|- | |||
| SF 2-4 || SF 1/2 || SF 1 || M || SF 1/2 || M || M | |||
|- | |||
| SF 5 || SF 1/2 || SF 2 || M || SF 1 || M || M | |||
|- | |||
| SF 6-7 || SF 1 || SF 2 || SF 0 || SF 1 || M || M | |||
|- | |||
| SF 8-9 || SF 1 || SF 3 || SF 0 || SF 1 || M || M | |||
|- | |||
| SF 10-11 || SF 1 || SF 4 || SF 0 || SF 1 || M || M | |||
|- | |||
| SF 12-14 || SF 2 || SF 5 || SF 1/2 || SF 2 || M || M | |||
|- | |||
| SF 15-17 || SF 2 || SF 6 || SF 1/2 || SF 2 || M || M | |||
|- | |||
| SF 18 || SF 3 || SF 7 || SF 1/2 || SF 2 || M || M | |||
|- | |||
| SF 19 || SF 3 || SF 8 || SF 1/2 || SF 3 || M || M | |||
|- | |||
| SF 20 || SF 3 || SF 13 || SF 1/2 || SF 5 || M || M | |||
|} | |||
'''Leichtkrafräder''' | |||
'''Rückstufung im Schadensfall''' | |||
{| class="wikitable" | |||
|- | |||
! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | |||
|- | |||
! von SF-Klasse !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko | |||
|- | |||
| SF 1/2 || SF 0 || SF 0 || SF 0 || SF 0 || SF 0 || SF 0 | |||
|- | |||
| SF 1-2 || SF 0 || SF 0 || SF 0 || SF 0 || SF 0 || SF 0 | |||
|- | |||
| SF 3 || SF 0 || SF 1/2 || SF 0 || SF 0 || SF 0 || SF 0 | |||
|} | |||
'''Taxen und Mietwagen''' | |||
'''Rückstufung im Schadensfall''' | |||
{| class="wikitable" | |||
|- | |||
! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | |||
|- | |||
! von SF-Klasse !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko | |||
|- | |||
| M || M || M || M || M || M || M | |||
|- | |||
| SF 0 || M || M || M || M || M || M | |||
|- | |||
| SF 1/2 || SF 0 || M || M || M || M || M | |||
|- | |||
| SF 1 || SF 0 || M || M || M || M || M | |||
|- | |||
| SF 2-3 || SF 1 || SF 0 || SF 0 || M || M || M | |||
|- | |||
| SF 4 || SF 2 || SF 1 || SF 1 || M || M || M | |||
|- | |||
| SF 5 || SF 3 || SF 1 || SF 1 || M || M || M | |||
|- | |||
| SF 6 || SF 3 || SF 2 || SF 1 || SF 0 || M || M | |||
|- | |||
| SF 7 || SF 4 || SF 3 || SF 2 || SF 0 || M || M | |||
|- | |||
| SF 8 || SF 5 || SF 3 || SF 3 || SF 0 || M || M | |||
|- | |||
| SF 9 || SF 6 || SF 4 || SF 3 || SF 1 || M || M | |||
|- | |||
| SF 10-11 || SF 7 || SF 5 || SF 4 || SF 1 || M || M | |||
|- | |||
| SF 12 || SF 8 || SF 6 || SF 5 || SF 2 || M || M | |||
|- | |||
| SF 13 || SF 9 || SF 6 || SF 6 || SF 2 || M || M | |||
|- | |||
| SF 14 || SF 10 || SF 7 || SF 7 || SF 3 || M || M | |||
|- | |||
| SF 15 || SF 11 || SF 7 || SF 7 || SF 3 || M || M | |||
|- | |||
| SF 16 || SF 11 || SF 8 || SF 7 || SF 3 || M || M | |||
|- | |||
| SF 17 || SF 13 || SF 8 || SF 9 || SF 3 || M || M | |||
|- | |||
| SF 18-20 || SF 13 || SF 9 || SF 9 || SF 4 || M || M | |||
|} | |||
'''Camping-Kfz''' | |||
'''Rückstufung im Schadensfall''' | |||
{| class="wikitable" | |||
|- | |||
! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | |||
|- | |||
! von SF-Klasse !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko | |||
|- | |||
| M || M || M || M || M || M || M | |||
|- | |||
| SF 0 || M || M || M || M || M || M | |||
|- | |||
| SF 1/2 || SF 0 || SF 0 || M || M || M || M | |||
|- | |||
| SF 1-9 || SF 0 || SF 0 || M || M || M || M | |||
|- | |||
| SF 10-11 || SF 1/2 || SF 0 || SF 0 || M || M || M | |||
|- | |||
| SF 12-14 || SF 1/2 || SF 1/2 || SF 0 || SF 0 || M || M | |||
|- | |||
| SF 15-16 || SF 2 || SF 1 || SF 0 || SF 0 || M || M | |||
|- | |||
| SF 17 || SF 2 || SF 5 || SF 0 || SF 0 || M || M | |||
|- | |||
| SF 18-19 || SF 2 || SF 6 || SF 0 || SF 0 || M || M | |||
|- | |||
| SF 20 || SF 2 || SF 7 || SF 0 || SF 0 || M || M | |||
|} | |||
'''LKW, Zugmaschinen (ausgenommen landwirtschaftliche), Krankenwagen, Leichenwagen, Busse (nur Haftpflicht), Abschleppwagen (nur Haftpflicht) und Stapler (nur Haftpflicht)''' | |||
'''Rückstufung im Schadensfall''' | |||
{| class="wikitable" | {| class="wikitable" | ||
|- | |- | ||
! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | ! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | ||
|- | |||
! von SF-Klasse !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko | |||
|- | |||
| M || M || M || M || M || M || M | |||
|- | |||
| SF 0 || M || M || M || M || M || M | |||
|- | |||
| SF 1/2 || SF 0 || M || M || M || M || M | |||
|- | |||
| SF 1 || SF 0 || SF 0 || M || M || M || M | |||
|- | |||
| SF 2 || SF 1/2 || SF 0 || SF 0 || M || M || M | |||
|- | |||
| SF 3 || SF 2 || SF 0 || SF 1/2 || M || M || M | |||
|- | |||
| SF 4 || SF 2 || SF 1/2 || SF 1/2 || M || M || M | |||
|- | |||
| SF 5 || SF 3 || SF 1 || SF 2 || SF 0 || M || M | |||
|- | |||
| SF 6 || SF 3 || SF 1 || SF 2 || SF 0 || M || M | |||
|- | |||
| SF 7 || SF 4 || SF 2 || SF 2 || SF 0 || M || Ml | |||
|- | |||
| SF 8 || SF 4 || SF 2 || SF 2 || SF 0 || M || M | |||
|- | |||
| SF 9 || SF 5 || SF 3 || SF 3 || SF 0 || M || M | |||
|- | |||
| SF 10 || SF 7 || SF 4 || SF 4 || SF 1/2 || M || M | |||
|} | |||
'''Landwirtschaftliche Zugmaschinen und Raupenschlepper''' | |||
'''Rückstufung im Schadensfall''' | |||
{| class="wikitable" | |||
|- | |||
! Rückstufung bei !! 1 Schaden !! !! 2 Schäden !! !! 3 Schäden | |||
|- | |||
! von SF-Klasse !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko !! Haftpflicht !! Vollkasko | |||
|- | |||
| M || M || M || M || M || M || M | |||
|- | |||
| SF 0 || M || M || M || M || M || M | |||
|- | |||
| SF 1/2 || SF 0 || SF 0 || M || M || M || M | |||
|- | |||
| SF 1 || SF 0 || SF 0 || M || M || M || M | |||
|- | |||
| SF 2-3 || SF 1/2 || SF 0 || SF 0 || M || M || M | |||
|- | |- | ||
| | | SF 4 || SF 1 || SF 1/2 || SF 0 || SF 0 || M || M | ||
|- | |- | ||
| | | SF 5-6 || SF 2 || SF 1 || SF 1/2 || SF 0 || M || M | ||
|- | |- | ||
| | | SF 7-8 || SF 3 || SF 2 || SF 1/2 || SF 0 || M || M | ||
|- | |- | ||
| | | SF 9 || SF 4 || SF 2 || SF 1 || SF 0 || M || M | ||
|- | |- | ||
| | | SF 10 || SF 4 || SF 3 || SF 1 || SF 0 || M || M | ||
|- | |- | ||
| | | SF 11-12 || SF 5 || SF 3 || SF 2 || SF 0 || M || M | ||
|- | |- | ||
| | | SF 13-14 || SF 6 || SF 4 || SF 2 || SF 1/2 || M || M | ||
|- | |- | ||
| | | SF 15-16 || SF 7 || SF 4 || SF 3 || SF 1/2 || M || M | ||
|- | |- | ||
| | | SF 17-19 || SF 8 || SF 5 || SF 3 || SF 1 || M || M | ||
|- | |- | ||
| | | SF 20 || SF 10 || SF 6 || SF 4 || SF 1 || M || M | ||
|} | |} |