The payment bases of insurance companies must show how accident-free years and how compensated accidents affect the insurance premium for the policyholder's vehicle, or for a vehicle of comparable type or use. The above applies to the insurance policies of private persons.

In addition, the fact that the claims histories of the policyholder's other vehicles affects the premium or that the claims history of one vehicle is used as the basis for insuring a number of vehicles can be defined in the basis for payment.