Franke und Bornberg releases 2026 motor insurance rating

The rating agency Franke und Bornberg has evaluated 325 motor insurance tariffs from 77 different insurers for its 2026 rating. According to the analysis, only 28.3 percent of the evaluated tariffs achieved the highest rating of FFF+.

Approximately 20.9 percent of the tariffs received a grade of F+ or lower, which is considered merely sufficient. A significant weakness identified in many lower-rated partial coverage (Teilkasko) policies is the lack of protection for non-game animals. Many basic tariffs only cover collisions with common game, such as deer or wild boar, leaving drivers unprotected in accidents involving horses or dogs.

Data from the Federal Statistical Office indicates that in 2025, non-game animals were involved in approximately 24 percent of animal-related accidents involving personal injury. Furthermore, the German Insurance Association (GDV) reported that around 276,000 wildlife accidents caused more than 1.2 billion euros in vehicle damage last year, with an average repair cost of 4,400 euros per incident.