A new analysis by comparison portal Verivox examines how frequently drivers of different car brands have points on their driving licences in Germany. The ranking is based on information from consumers who take out car insurance through Verivox. It covers car brands, individual models and different vehicle categories.
Porsche drivers have points in Flensburg 71 percent more often than the average of all drivers, according to the analysis. Range Rover drivers follow at 29 percent above average, while Tesla drivers are 26 percent above average. BMW drivers are 23 percent above average, and Audi drivers are 19 percent above average. At the other end of the brand ranking, Mitsubishi drivers are 27 percent below average, followed by Suzuki at 25 percent below average and Honda at 24 percent below average.
Drivers of luxury-class cars are 53 percent above average in terms of the share with points, while sports-car drivers are 47 percent above average. Cars driven by people with points have an average output of 142 horsepower, which is 8 percent higher than the average output of cars driven by people without points.
Verivox expert Aljoscha Ziller said that the presence of manufacturers of powerful cars at the top of the ranking was not a coincidence. He referred to Federal Motor Transport Authority data showing that speeding offences are the most common reason for receiving points. Ziller also said that excessive speed can be considered contributory fault in an accident, even if the speeding driver did not cause the accident. In such cases, the insurer can reduce its benefits.
The Audi A5 ranks first among the individual models, with its drivers having points 49 percent more often than average. The BMW 4 Series follows at 42 percent above average, while the Audi A6 is 40 percent above average.
Drivers of minicars have points 23 percent less often than average, while drivers of small cars are 13 percent below average. Among individual models at the lower end of the ranking, the Mitsubishi Space Star is 45 percent below average, followed by the Fiat Panda at 42 percent below average and the Hyundai i10 at 35 percent below average.
Policyholders must provide information about entries in the driving aptitude register themselves when taking out car insurance and are expected to give truthful information. According to Ziller, providing false information can lead to sanctions from insurers, including reductions in benefits or financial claims. Verivox also says that concealing points offers little financial advantage. On average, points make cheaper insurance tariffs around two percent more expensive.
Verivox analysed the 30 car brands and 100 car models with the most insurance contracts through the comparison portal over the past five years. The information was evaluated anonymously.
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