# Franke und Bornberg insurance ratings > Developing situation record from CLSTR: https://clstr.news/situations/franke-und-bornberg-insurance-ratings > Updated: 2026-11-05T14:54:00.000Z. Sources: 2. Developments: 2. The rating agency Franke und Bornberg has released evaluations for different insurance sectors in Germany. In October, a rating of private health insurance (PKV) identified significant quality disparities among 799 evaluated tariffs. Only 9.3 percent achieved the highest rating of FFF+ (“excellent”), while nearly half did not exceed a “satisfactory” rating. Some tariffs received a grade of F+ (“sufficient”) due to a failure to cover transportation costs for outpatient therapies, a factor deemed critical for seriously ill policyholders. In November, the agency released its 2026 motor insurance rating, evaluating 325 tariffs from 77 insurers. In this sector, 28.3 percent of tariffs achieved the FFF+ rating. Approximately 20.9 percent received a grade of F+ or lower. A notable weakness in many lower-rated partial coverage policies was the lack of protection for non-game animals, such as horses or dogs, despite data indicating these animals are involved in a significant portion of animal-related accidents. ## Timeline ### 2026-11-05: Franke und Bornberg releases 2026 motor insurance rating Franke und Bornberg's 2026 motor insurance rating shows that only 28.3 percent of tariffs achieved top marks, with many lacking coverage for non-game animal collisions. 2 sources. https://clstr.news/cluster/franke-und-bornberg-releases-2026-motor-insurance-rating ### 2026-10-08: Franke und Bornberg rating reveals gaps in private health insurance A Franke und Bornberg rating of private health insurance shows only 9.3% of tariffs achieved top marks, with 23 plans failing due to insufficient coverage for outpatient therapy transport costs. 2 sources. https://clstr.news/cluster/franke-und-bornberg-rating-reveals-gaps-in-private-health-insurance --- Cite as: Franke und Bornberg insurance ratings. CLSTR, https://clstr.news/situations/franke-und-bornberg-insurance-ratings