Car Insurance Groups in the UK

What is Car Insurance Group?

Car insurance groups are a way to categorise different vehicles based on the cost of insuring them. The insurance group ratings range from 1 to 50, with 1 being the cheapest to insure and 50 the most expensive. The groups are set by the Group Rating Panel (GRP) and are based on a number of factors including the cost of parts, repair costs and safety features. The higher the group rating, the higher the premium, so it’s important to choose your vehicle wisely if you want to keep your insurance costs down.

Why Does it Matter?

Insurance groups are an important consideration when choosing a car as they can have a huge impact on the cost of your insurance. If you are looking to save money on your car insurance, then it’s worth looking at vehicles in the lower groups. They might be cheaper to buy, but they could save you a lot of money in the long run. On the other hand, if you are looking for a luxury car or a performance vehicle, you should expect to pay more for your insurance.

How to Find the Insurance Group of a Car

The insurance group of a car can be found in a number of places. Most car manufacturers will list the group rating in their literature, or you can use online resources to find the group rating of a particular model. The Association of British Insurers (ABI) also has a website which allows you to search for the insurance group of a car, as well as other information about the vehicle. Lastly, you can also ask your insurance company for the group rating of a car before you buy it.

What Factors Affect the Insurance Group?

The insurance group of a car is determined by a range of factors, including the cost of parts, repair costs, the performance of the car, its security features and its value. The more powerful and expensive the car, the higher the group rating will be and the higher the premium will be. The safety features of a car, such as airbags, anti-lock brakes and security systems, can also have an impact on the insurance group.

What is the Cheapest Group to Insure?

The cheapest group to insure is group 1. This group is made up of the smallest and least powerful cars on the market, such as the Daihatsu Sirion, the Hyundai i10 and the Citroen C1. These cars generally have smaller engines and are less attractive to thieves, which helps to keep the cost of insurance down. However, these cars may not be suitable for all drivers, as they may not have the power or features that some drivers require.

Do Insurance Groups Change?

The insurance groups of cars do change from time to time. This is because the cost of repairs and parts can fluctuate, as can the safety features and performance of cars. The GRP reviews the groups yearly, so it’s worth checking with your insurance company before you buy a car to make sure you’re getting the best deal.