N’Evening together. The following background: Have an insurance contract running for my quad (currently SF 1 with 60%), which is however burdened with liability damage since Monday. As a result, the contract will be classified in class M (170%) from next year, which I want to avoid somehow. Have thought about a few options, of which I do not know whether they are possible. But maybe one of you knows better and can give me a hint… H ie the possibilities: 1. I cancel the contract now (after damage) and start a new contract with the same vehicle at 0 (125%), which will then fall to SF 1/2 (75%) next year (is this possible at all?). 2. If possibility 1 does not work, is the same with vehicle change? 3. Possibility 1 with termination of the contract at the turn of the year (and then beginning at 0). There is allegedly a central file with the M classifications. g is terminated in time for the reclassification? And do I get a new contract with SF 0 or do I have to pass through SF M under all circumstances? I hope I can give myself a little tip. Thank you very much.