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What Is Car Insurance Groups Explained

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What Insurance Group Is My Car In

What Are The Different Car Insurance Groups | Car Insurance Groups Explained And Where To Find It…

Thatcham Research, the organisation that administers the data for the Group Rating Panel, provides a tool where you can enter your cars details to find out its insurance group.

Below are some examples of where popular cars sit within the car insurance groups just be aware that any modifications or special features may put your car outside of its typical group:

Insurance group
  • Citroen Berlingo Multispace Vtr Airdream E-HDI90
  • Seat Ibiza Estillo
  • Ford Mondeo Ghia X TD
  • Landrover Freelander Xedi
  • Ssangyong Rodius Ex D20t e-XDI AWD
  • Nissan X-Trail Sport-X dCi
  • Audi A4
  • Volvo V70 Sport D
  • Landrover Range Rover Evoque Autobiography SD4 240
46-50
  • Audi A7 S Line Quattro 40 TDI 204
  • Alpina D5 Biturbo

Read more about why car insurance premiums can go up.

What Is An Insurance Group

When a new car comes to the market, a panel funded by UK car insurers will determine an insurance group for it.

This is a way to determine how much insurance companies will charge for policies on this car. As a general rule, the lower the insurance group of a car, the lower it will be for you to have insured.

How To Reduce Insurance Costs

The best way to reduce your insurance costs is to buy a car in a low insurance category. For example, buying a Volkswagen Polo SE 1.0 65PS 5d in Category 1 will be cheaper to insure than buying a Range Rover Sport 2.7 TDV6 Stormer 5d Auto in Category 40, all other factors remaining equal. If you own a car in a higher insurance category, there are several things you can do to attempt to reduce your insurance premium:

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The Group Rating System

The Group Rating System is administered by Thatcham Research, on behalf of the Association of British Insurers .

Members of the ABI and Lloyds Market Association make up the Group Rating Panel, which meets every month to set new car models to an insurance group.

There are 50 different car insurance groups – those in insurance group No.1 are the cheapest cars to insure while those in insurance group 50 are the most expensive.

The number of insurance groups has changed in recent years. Until 2009, the number of car insurance groups were 1-20 but this has been expanded – this means, according to Thatcham, that ‘each model of car can be more accurately banded with cars of similar characteristics and therefore create a more precise Group Rating System.’

What Do Insurance Groups Mean

Insurance Group Ratings For Different Cars

Generally, the higher the car insurance group, the more you’ll pay to insure it, while lower groups are cheaper to cover you can quickly find out with our tool.

Insurers look at your cars insurance group alongside your history as a driver, whether youre keeping the vehicle in a safe place, and your annual mileage while theyre calculating your quote.

Each insurer will classify the risk of these things differently, which is why they dont all charge the same amount.

Thats why its always worth comparing car insurance before you buy, so you know what your premium will be.

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What Else Could Affect The Cost Of My Insurance Premiums

The cost and spec of your car at the time you bought it is only one of the factors that will determine the cost of your insurance. Car insurance companies will also take into account the age of the driver named on the policy and also the length of your no claims discount or bonus .

Learn more: How is Car Insurance Calculated in the UK?

Common Cars And Insurance Groups

According to GoCompare, these are some of the most popular cars and models that can be found in the insurance groups listed below. However, just bear in mind that the insurance group for your vehicle may differ significantly depending on your situation and engine size, etc.

  • Car insurance group 0 to 5: Citroen C1, Ford KA, Fiat Panda Active, Skoda Fabia Classic, Toyota Aygo, Vauxhall Corsa.
  • Car insurance group 6 to 10: Chevrolet Matiz, Citroen C3, Fiat 500, Ford Fiesta, Mazda 2.
  • Car insurance group 11 to15: Audi A2, Ford Focus, Honda Civic, Kia Cee’d, Mitsubishi Colt.
  • Car insurance group 16 to 20: Alfa Romeo Giulietta, Audi A1, Citroen C4, Ford-C Max, BMW 116.
  • Car insurance group 21 to 25: Audi A3, BMW 118, Citroen C5, Ford Mondeo, Honda Accord, Renault Megane.
  • Car insurance group 26 to 30: Audi A5, BMW X1, Ford Escort, Landrover Defender, Mercedes-Benz C Class, Volkswagen Golf.
  • Car insurance group 31 to 35: Audi A6, Mazda MX-5, Mercedes-Benz CLK, Scoda Octavia, Vauxhall Vectra, Volvo C70.
  • Car insurance group 36 to 40: Mitsubishi Shogun, Peugeot 308 hatchback, VW Golf hatchback, MG ZT saloon, Volvo S60.
  • Car insurance group 41 to 45: BMW Z4 Roadster, Land Rover Discovery, Porsche Cayman, Subaru Impreza Saloon, Honda Legend Saloon.
  • Car insurance group 46 to 50: Alfa Romeo Giulia, Audi TT Roadster, Ford Mustang, Jeep Grand Cherokee SRT8, Porsche Boxter.

Source: Go Compare

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How Can I Check My Cars Insurance Group Rating

If you know the registration of the car you want to check, youll find plenty of online tools to help you look up which insurance group it falls into.

If you want to know the car insurance group of a particular model , you can use Parkers car insurance group checker or register with Thatcham Research to access insurance group ratings and more.

Getting Cheap Car Insurance Quotes

Wise Owl Series (Eps 7) – Car Insurance Groups Explained

Knowing which cars are cheap to insure is one of the most important steps to take before delving into the world of driving and paying for your own vehicle. When youre looking to buy a car, be sure to consider:

If you have bought your car and are ready to take out cover, visit Confused.com today and youll be able to choose quotes from some of the best providers in the UK.

The vehicles we have mentioned in this guide are simply recommendations getting tailored quotes based on your own information is the only way you will find out which cars are the cheapest for you personally to insure.

As long as you do your research, compare quotes from a variety of providers and shop around, youre bound to find the right car and insurance deal for you.

Get a cheap car insurance quote today by tapping the button below, and for more information, read our 15 tips to reduce your car running costs or see our related guides below.

Get a Quote now and see how much you could save:

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The I Newsletter Cut Through The Noise

One factor which has a huge impact on insurance costs is a vehicles insurance group but recent research has found many people struggling to understand the intricacies around the different groups.

To help, weve spoken to Dan Hutson, head of motor insurance at comparethemarket.com, to answer some of the most commonly searched-for queries.

What Is A Car Insurance Group Rating

A car insurance group rating is an advisory system intended to provide insurers with the relative risk of private cars and light commercial vehicles. The rating system, created by Thatcham Research is scored from one, being the cheapest to insure , to 50 being the most expensive .

High-performance cars and vehicles that are expensive to repair will fall under higher insurance group, while smaller cars with smaller engines, plenty of safety features and cheaper parts will cost less to insure.

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How Many Insurance Groups Are There

There are 50 groups in total and every new car is given an insurance group rating. It is rated by the level of safety and security equipment it possesses. Group 1 is the lowest risk car insurance group. The highest risk group is 50.

For example, a Skoda Citigo 1.0 SE is in the lowest group . It is one of the least expensive vehicles to insure. At the other end of the scale are cars such as the Bentley Flying Spur, renowned for its ultra- luxurious styling, rated in group 50.

Thatcham Research Centre is an organisation that ensures the motor industry remains committed to exacting safety standards, improving the safety of drivers and their passengers while also helping to keep insurance costs low. They administer the system of categorising all UK cars into insurance groups. They undertake extensive research and testing for car performance, security and safety to supply insurers with the data they need to calculate premiums.

How Do The Car Insurance Groups Work

Car Insurance Groups Explained

There are 50 car insurance groups in total and are what car insurance companies use when calculating your insurance quote. The insurance groups dont vary from insurance company to insurance company. If a model or trim is in an insurance group, it stays in that insurance group regardless of who you go through. We arent going to go through every single insurance group because as we said, there are 50 of them. Instead, we are going to go through in blocks of ten to show you which cars you might find in those insurance groups.

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How Are Insurance Groups Decided

Car insurance groups are decided by the Group Rating Panel, which meets on a monthly basis and is made up of representatives from the insurance industry, including the Association of British Insurers and Lloyds Market Association. Its decisions are based mainly on data provided by the Motor Insurance Repair Research Centre , which takes into account a range of vehicle characteristics, listed below.

Repair time

How easy are the parts to come by if the car is damaged, who can fit them and how long will it take? A specialist paint job, for example, can increase the group allocation.

Parts prices

A list of 23 common parts from one manufacturer is compared with that of another. Those that generally cost less are allocated to a lower group category.

Value

How much was the car worth when it was new? The price of a new car is often used to gauge that of a replacement or repair.

Performance

Cars with more powerful engines, capable of bigger speeds and acceleration, are deemed a greater risk, and will therefore end up in a higher group.

Security

What was the car fitted with as standard that will lessen the chances of it being stolen? Does it have an alarm, immobiliser, glass etching or coded audio equipment?

The list of groups is intended to be used as a guide only, and an insurer may still apply its own ratings if it prefers. Most, however, will class cars in a very similar fashion, combining this information with a driver’s claims history and risks to calculate a premium.

Where Is An Insurance Group Prices Table For The Uk

There are several sites available that have group price tables for car insurance groups online. The site listed below, CarPages.co.uk, has a table for each group with the average price for each vehicle within that group. Its just one example of a comprehensive database for every vehicle and which group they belong to within insurance groups.

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How To Get Cheaper Insurance

If you drive a car which is one of the mid to upper car insurance groups there are other ways of reducing the cost of your insurance. These include:

Paying a higher excess

When you get a quote for car insurance, you’ll be offered the chance to set the amount of voluntary excess you’re prepared to pay – the amount you’ll put towards the cost of any repairs if you make a claim. Setting this at £200 instead of £100, for example, could reduce the price of your policy.

Increase your car’s security

If your car doesn’t have an alarm or a tracking device, adding one could improve the security of your vehicle in the eyes of insurers and reduce the likelihood of it being stolen. Check with your insurer if they consider these modifications, as this could affect your premium price too.

Pay insurance annually

You can purchase car insurance and pay for it annually – all in one go – or on a monthly basis by direct debit. Paying monthly is convenient but also incurs interest so usually works out more expensive over the course of 12 months.

Pay as you go car insurance

Unlike some traditional car insurance policies, Pay by Mile car insurance allows you to pay on a monthly rolling subscription at no extra cost.

Better still, you only pay for the miles you drive which could be as low as 4p per mile. There is an additional monthly parked premium, to insure your vehicle while itâs parked.

Short-term car insurance
Use black box car insurance
Get a quote for classic car insurance

How Many Groups Are There

Car insurance groups explained | Compare the Market

When the car insurance grouping system was first established over 40 years ago, there were just 9 groups – reflecting the lack of variation in the automobile market. This was upped to 20 in 1992, but the ever growing range of car types, technologies manufacturer models has resulted in another change. In 2006, a 50 group system was launched, which ran in parallel with the older system while the insurers updated their systems. All new cars are now classified using the 1-50 scale. Cars from the 10 years prior to the new system have been converted to the 50-group scale. Cars older than this are priced up based on an insurer’s own experience.

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What Do The Letters Mean In Car Insurance Groups

The insurance group of a car will be listed as a number and a letter . The letter refers to the level of security features fitted as standard on the vehicle. Security requirements increase as the insurance group increases, so the higher the insurance group the better the security needs to be.

There are 6 letters applied to car insurance groups. Here is what they mean:

A The car meets all security requirements for its group.

D The car doesn’t meet the requirements for its insurance group and has therefore been placed in a higher insurance group.

E The car has exceeded security requirements for its group and has therefore been placed in a lower insurance group.

P Data for the car is only provisional. P is used when the data used by the rating system was incomplete when the car was launched.

U The car has unacceptable levels of security. The car will still be insured but your insurer may ask for security features to be added or upgraded.

G The car has been imported. Two groups are used for imported vehicles: Parallel imports and grey imports.

What Are Car Insurance Groups

Car insurance groups are one of the more straightforward tools the insurance industry uses to set your premiums. They were first introduced in the 1970s, to help simplify the process of getting quotes, and to help the industry judge the risk involved when setting premiums.

Insurance groups are fixed independently of the car manufacturers, and are based on assessments by the Association of British Insurers of how easily and cheaply repairs can be carried out after an accident, and the level of vehicle performance as an indicator of the potential for having the accident in the first place.

The original group ratings were from 1-20, but since 2009 the broader insurance group ratings of 1-50 have been used. That means theres scope to award different ratings to different specs and trims within model ranges. If you want a good illustration of what that can mean, consider the BMW 1 Series line-up, which starts at insurance group 21 for the basic 1.5-litre petrol five-door, but shoots all the way up to insurance group 36 for the sporty M135i. As you would expect, the higher the insurance group rating, the higher your premium is likely to be.

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Car Insurance Group Ratings

It is no secret that some cars cost more to insure than others. The reason for this is that they are seen as more expensive to repair or replace and at higher risk of being involved in an accident.

All cars made for sale in the UK are given an insurance group rating by Thatcham, a non-profit organisation that specialises in vehicle safety and security research and testing.

Car insurance groups used to range from 1-20, but that system was replaced in December 2009 with a new system that rated cars from 1-50. The new system allows cars to be more accurately classified and grouped together.

How Can I Lower The Cost Of My Car Insurance

Insurance Group Ratings For Different Cars

In addition to buying a car from a lower insurance grouping, there are several other ways to reduce the costs of your insurance premium:

  • Take out a telematics policy: Telematics insurance involves fitting a small black box into your car which monitors the way in which you drive. If you drive safely and sensibly, your insurance will be reduced.
  • Increase your voluntary excess: A voluntary excess is the amount you must pay if you make a claim, before your insurer pays out. By increasing your voluntary excess, you can expect to pay less on your monthly payments. Always make sure you can afford your voluntary excess when you sign up to your policy.
  • Pay upfront: Another way to reduce costs is to pay for your policy upfront rather than in monthly payments. Although many choose to pay monthly, you may be charged interest on the instalments, meaning an upfront payment can work out cheaper.
  • Reduce mileage: Insurers will ask you for a maximum annual mileage as those with less mileage will typically be less likely to be involved in an accident.
  • Improve your security: Some insurers offer a security discount for cars with a certain type of alarm or with an immobiliser.
  • Named drivers: Insuring an experienced driver with few claims on your vehicle alongside your own cover will often reduce the cost of your policy.
  • No claims bonus: Insurers will often offer discounts if you havent made an insurance claim in a while. The longer the time since your last claim, the higher the discount.

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