Car Insurance Group Guide UK

What is a Car Insurance Group?

Car insurance groups are assigned a number between 1 and 50. Generally, the lower the number the cheaper the car insurance premium will be. The higher the group, the more expensive the car insurance premium will be. Each group is assigned a rating based on the car’s value, performance, size and weight. The rating also takes into account the cost of repairs and the cost of parts. A car in a higher group will therefore cost more to insure than a car in a lower group. It’s important to note that the car insurance group rating is just one of many factors that are taken into account when calculating your car insurance premium.

What is the Highest Insurance Group?

The highest insurance group is group 50. This is reserved for cars which are deemed to be the most expensive to insure. This could be due to the cars being particularly expensive to purchase and repair, or because they are considered to have a higher than average risk of being involved in an accident. Examples of cars in the highest insurance group include the Mercedes-Benz SLS AMG, the Porsche 911 GT3 and the Lamborghini Aventador SV.

What is the Cheapest Insurance Group?

The cheapest insurance group is group 1. This is reserved for cars which are deemed to be the cheapest to insure. This could be due to the cars being particularly cheap to purchase and repair, or because they are considered to have a lower than average risk of being involved in an accident. Examples of cars in the cheapest insurance group include the Renault Clio, the Volkswagen Up! and the Fiat Panda.

How Do I Find Out What Group My Car is In?

The easiest way to find out what car insurance group your car is in is to use an online car insurance group checker. To use the checker, you will need to enter the make and model of your car. The checker will then generate a list of car insurance groups and you can find out which group your car is in. Alternatively, you can contact your car manufacturer or car insurance provider and they should be able to provide you with the information.

What Does it Mean if My Car is in a High Insurance Group?

If your car is in a high insurance group, it means that it is considered to be more expensive to buy and repair than other cars. It also means that it is deemed to have a higher risk of being involved in an accident. As a result, your car insurance premium will be higher than for cars in a lower insurance group. It is important that you shop around for car insurance and compare different policies to get the best deal for you.

Conclusion

Car insurance groups are an important factor to consider when shopping for car insurance as they will affect the cost of your car insurance premium. The higher the group, the more expensive the car insurance premium will be. It is important to remember that the car insurance group rating is just one of many factors that are taken into account when calculating your car insurance premium and you should always shop around for the best deal.