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Rückstufungstabellen

English translation: Table of no-claims-bonus levels.

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03:14 Jan 4, 2000
German to English translations [PRO]
Tech/Engineering
German term or phrase: Rückstufungstabellen
Bei neuen Rabattstaffeln und Rückstufungstabellen für Schadensfälle sowie unterschiedlichen Leistungsumfänge verliert der Verbraucher leicht die Übersicht.
Agius Language & Translation
United Kingdom
Local time: 06:35
English translation:Table of no-claims-bonus levels.
Explanation:
In Germany, similar to in England, motor insurance fees are asessed by the length´of time a customer has not made a claim. There is a nominal tariff which is taken as 100%. In Germany, a new driver taking out their first policy pays a fee which amounts to 125% of the tariff. This fee is reduced every year in which no accident occurs according to a table. The trick here is that if you then have an accident and claim on your policy you dont lose all of your bonus but a number of levels depending on the size of the claim, thelngth of time the policy has been held without a claim and the interval between the current claim and any past claims. The number of stages you get set back in a given situation is laid out in the "Rückstufungstabelle". The segement you are translation is comlaining about the fact that different insurance companies have different factors which influence the "Rückstufung" which makes it very difficult to directly compare policies.
Selected response from:

Andrew Morgan
Local time: 07:35
Grading comment
3 KudoZ points were awarded for this answer

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Summary of answers provided
na +1Table of no-claims-bonus levels.Andrew Morgan
nadowngrading tablesRoger Peniston-Bird


  

Answers


1 hr
downgrading tables


Explanation:
In Austria and perhaps Germany a bonus (i.e. a premium reduction) is given for a claim-free period, and conversely a 'malus' or downgrade may be applied if the policy owner makes a claim.
The premium is then 'upgraded' rather than downgraded: it is in fact the policy holder who is downgraded and has to pay more!

See Zahn: Bank & Börsenwesen Wörterbuch.

Roger Peniston-Bird
Local time: 07:35
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3 hrs peer agreement (net): +1
Table of no-claims-bonus levels.


Explanation:
In Germany, similar to in England, motor insurance fees are asessed by the length´of time a customer has not made a claim. There is a nominal tariff which is taken as 100%. In Germany, a new driver taking out their first policy pays a fee which amounts to 125% of the tariff. This fee is reduced every year in which no accident occurs according to a table. The trick here is that if you then have an accident and claim on your policy you dont lose all of your bonus but a number of levels depending on the size of the claim, thelngth of time the policy has been held without a claim and the interval between the current claim and any past claims. The number of stages you get set back in a given situation is laid out in the "Rückstufungstabelle". The segement you are translation is comlaining about the fact that different insurance companies have different factors which influence the "Rückstufung" which makes it very difficult to directly compare policies.

Andrew Morgan
Local time: 07:35
Native speaker of: Native in EnglishEnglish
PRO pts in pair: 90

Peer comments on this answer (and responses from the answerer)
agree  Jacqueline McKay
1410 days
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