What is a Schadenfreiheitsklasse?

German insurance companies give every driver class (Schadenfreiheitsklasse). If you don’t make any insurance claims, your Schadenfreiheitsklasse gets higher every year. A high Schadenfreiheitsklasse means that you are a safe driver. If you have a high Schadenfreiheitsklasse, you pay less for insurance.

Car insurance in Germany ➞