How to read: Type classes – new risk characteristics are to be integrated into the liability type classes “new” risk characteristics. For example, residential property, user group and user age. These have been taken into account so far outside the type class already as increases or reductions in the premium calculation New appears the characteristic “vehicle age when acquiring”. 100% clear is not the article. How is this to be taken into account directly within the type class in the future? Is there actually an inventory protection for old tariffs or can the insurance be forced to change to the new premium calculation? I even have the old “PS tariff”, which was valid until 1995. Fortunately (since cheaply) my insurance does not make any institutions to change this.