Schadenklasse - Versicherungsverträge, die nicht Schadenfrei verlaufen sind

Schadenfreiheitsklasse - Einteilung nach den in einem vollen Kalenderjahr beanspruchten Leistungen
• erhöht sich, wenn keine Leistungen beansprucht werden
• verringert sich, wenn Leistungen beansprucht werden
http://users.informatik.haw-hamburg.de/~raasch/glossarFr.htm...

11. Schadenklassen (S und M)
Für Versicherungsverträge, die nicht schadenfrei verlaufen sind, gelten in der Kraftfahrzeug-
Haftpflichtversicherung auch die Schadenklassen S und M.
In der Vollkaskoversicherung tritt anstelle der Klassen S und M die Klasse 0.

11. Claims Rating Categories (S and M)
Third party liability insurance contracts that do not remain claim free may be classed
in the claims rating category S or M.
Own vehicle full insurance contracts that do not remain claim free may be classed
in the rating category 0.

http://www.culpeck.com/forms/axa_nato_termsandcond_2006.pdf

Insurance scoring is numerical rating of insurance customers or policies. Normally it measures the level of risk of being claimed. In this section, two insurance scoring methods are described;
http://www.roselladb.com/insurance-risk-analysis.htm#scoring
If a review of your driving record uncovers negative information, there's a chance your insurance rates will increase. Insurers typically use their own "point" system to determine the amount of the increase (if any). Although these systems can vary, most insurers use a system based on the Safe Driver Insurance Plan, which is issued by the Insurance Services Office (ISO).

http://www.insurance.com/Article.aspx/How_Your_Driving_Recor...