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Determining risk-adequate insurance premiums is a core issue in actuarial mathematics. This study is specifically concerned with identifying convenient partitions of (general) insurance collectives such that the resulting tariff classes are homogeneous to a maximum extent and on the other hand yet large enough to allow for the occurrence of the group balance concept and to end up with reliable estimates of the moments of the claim size distributions. Therefore, the author develops an innovative classification algorithm utilizing a multidimensional cluster approach combined with...