Car Insurance Group 12 UK: Everything You Need to Know

What is Car Insurance Group 12?

Car Insurance Group 12 is a classification system used by UK insurance companies to determine the insurance premiums for cars. It is one of the most important factors that car insurance companies use when deciding how much to charge for insurance. When you’re looking for car insurance, it’s important to understand how car insurance groups are determined and what car insurance group 12 means for you.

The car insurance group system is managed by a company called Thatcham Research. They use a range of factors to decide which group a car belongs in, such as the cost of parts, the cost of repair, the power and performance of the car, and the car’s security features. The higher the car insurance group, the more expensive the insurance premiums will be.

What Cars are in Car Insurance Group 12?

Car insurance group 12 includes a wide range of cars. It includes some of the most popular cars on the road today, such as the Ford Fiesta, the Volkswagen Golf, the Vauxhall Corsa, the BMW 3 Series, the Audi A3, and the Mercedes C-Class. It also includes some of the more luxurious cars, such as the BMW 7 Series, the Mercedes S-Class, and the Porsche Cayenne.

In general, cars in car insurance group 12 are mid-range models that are relatively powerful and have a higher risk of being stolen. They also tend to be more expensive to repair than cars in lower insurance groups.

How Much Does Car Insurance Group 12 Cost?

Car insurance group 12 is one of the more expensive groups to insure. The exact cost of insurance will depend on the individual car and the driver’s age, driving history, location, and other factors. On average, car insurance group 12 costs between £700 and £1400 a year.

How Can I Reduce My Car Insurance Group 12 Costs?

There are a few things you can do to reduce your car insurance group 12 costs. First, make sure that your car is fitted with the latest security features, such as immobilisers, alarms, and steering wheel locks. These can help to reduce the risk of your car being stolen and can lead to a lower premium.

You should also make sure that you shop around for the best deal. Different insurance companies will offer different premiums for the same car, so it pays to compare quotes from a few different insurers. You can also look for discounts such as multi-car discounts, no-claims discounts, and low-mileage discounts.

Conclusion

Car insurance group 12 is one of the more expensive groups to insure, but there are things you can do to reduce your premium. Make sure that your car is fitted with the latest security features and shop around for the best deal. With a bit of effort, you can find a good deal on car insurance group 12.