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Car Group Insurance


Car Group Insurance

Please note that Car Group Insurance ratings are purely advisory. They are used by many motor car insurers as one of the many input factors when calculating your premium. The ratings provide a useful indicator of the likely relative cost of insuring a particular vehicle. Please note: Insurers are not required to follow the advisory group ratings.

Car Insurance Group Ratings

UK Insurance companies classify motor cars in order to provide the correct level of car insurance. Each vehicle is assigned to a specific group number between 1 and 20. Every model can thus be accurately banded with cars of similar characteristics. Importantly there can be a significant spread of groups within a particular model range.

Your car insurance group will affect your car insurance UK premium. Insurance companies use the rating system to calculate the financial risk that your vehicle represents. The higher the number of the category that your vehicle falls into, the higher your premiums are going to be. Factors commonly used to calculate particular group ratings include:

  • Performance capability.
  • Part costs, damage, maintenance and repair times.
  • New Car Values
  • Body Shells
  • Car Security

The cost of spare parts and the times taken by repairers are major factors in pricing uk motor insurance. Nearly three quarters of all money paid out in car insurance uk claims goes on repairing cars. The factors used to calculate group ratings are.

Needless to say.. The best cars to have as far as car group insurance and low insurance costs are concerned are low cost and low maintenance vehicles! The cost of a group 1 car insurance premium will be a tiny fraction of the cost of insuring a group 18 car.

Note that group ratings determined by the Association of British Insurers are recommendations only. Individual car insurers, depending on their own experience, may vary from these recommendations.

The different groups available range from group 1 (the lowest) to group 20 (the highest). Most family cars fall into groups 6 to 12, unless they have high-powered engines. If you have a high performance car, or higher-risk motor car then your car rating will be higher.

The Seat Arosa ranges from groups 2 to 3.
The Renault Clio ranges from groups 3 to 7.
The Ford Focus ranges from groups 4 to 8.
The VW Polo ranges from groups 3 to 10.
The Vauxhall Astra ranges from groups 4 to 11.
The Renault Espace ranges from groups 11 to 14.

The Ford Fiesta 1.6, 16v, Si is group 8.
Citroen Saxo 1.6i VTR is group 7.
Rover 214i 16-valve is group 6.
Peugeot 306 1.8 XS is group 7.

The Audi A3 ranges from groups 9 to 18.
Jaguar S type ranges from groups 14 to 19.
BMW 3 series ranges 11 to 20.
Mercedes-Benz E-Class ranges from 14 to 19.

BMW M series are group 20.
Aston Martin's are group 20.
Audi TT ranges from 17 to 18.
Ferraris are group 20.
Mercedes AMG series are group 20
Porsche 911's are group 20.