Insurance-related issues

A favorable insurance classification has become an important criterion for all vehicle manufacturers. Hardly any other factor has such a big impact on the cost of owning a vehicle as the insurance classification. There is a growing conflict between the goal of complying with the Pedestrian Protection Directive and the goal of achieving a favorable insurance classification. Aside from the Pedestrian Protection Directive, a bumper test was introduced in 2010 and is performed as a supplementary test in addition to the type classification test.

In the opinion of the insurance industry, this test will complement the crash test used for the initial insurance classification of a vehicle, and lead to a further improvement in the protection of the cars themselves, better geometric compatibility of vehicles in a collision, and a more accurate simulation of what actually happens in an accident. This means that in addition to ensuring a high degree of passive safety for vehicle occupants, the deformation space available in a vehicle must be utilized for compliance with pedestrian safety requirements and for the insurance industry's bumper and repair tests. Given the long product and development cycles of vehicles, it is therefore extremely important for the international motor vehicle manufacturers that changes to the classification criteria can be planned for long term, and that internationally uniform procedures for insurance classification purposes be introduced.