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Each car make and model is assigned to an insurance group between 1 and 50 in the UK. Insurers use these groups as a guide for how risky each car is to insure. Typically, cars in lower insurance groups will pose fewer risks, and be cheaper to insure.
Understanding a car’s insurance group can help you make more informed buying decisions. It’s especially important for young or convicted drivers who already face higher average insurance costs in the UK.
It’s also an important consideration if you are shopping for a car, as the insurance group will impact how much you’ll pay for insurance in years to come.
A range of risk indicators are assessed when sorting a car into an insurance group. These include:
More expensive cars generally fall into higher groups, as they cost more for the insurer to repair or replace.
Larger engines, faster acceleration, and higher top speeds are all considered riskier to insure.
Imported cars or classics could need specialist parts that are harder to source, placing them in higher groups.
Advanced safety systems can lower theft or vandalism risks, placing cars in lower groups.
Some cars will have an additional letter alongside their insurance group number. These all have their own meanings which could affect your insurance costs.
| Insurance group letter | Meaning | Impact on insurance costs |
|---|---|---|
| A | Acceptably meets security requirements | Slightly lowers insurance ranking compared to D cars in the same group. |
| D | Does not meet security requirements | Slightly increases the insurance grouping. |
| E | Exceeds security requirements | Also lowers the cars ranking below an ‘A’ car in the same group. |
| U | Provisional grouping | There is not enough data to confirm the grouping, so it could change in future. |
| P | Unacceptable security level | Places the vehicle higher than one in the same group marked ‘D’. |
| G | Grey imported vehicle | The vehicle was built outside of Europe and the exact grouping needs to be assessed. |
Although insurance groups are just one of many factors that insurers consider when setting insurance premiums, they are an important one. Knowing where your car falls in the list of groups for car insurance can give you some idea of what to expect when it comes to your insurance costs. Here’s a general overview of how cars are grouped:
These are typically cheaper cars, with small engines that include compact city cars and models that are popular with new drivers.
These can include mid-range vehicles, or typical family cars with slightly higher repair costs while still being affordable.
These can be more powerful sports models and some 4x4s which usually cost more to repair and insure.
These are high-performance vehicles or those with more advanced features or modifications that often face higher premiums.
Luxury cars, sports cars, and vehicles with high repair or replacement costs which tend to have the highest premiums.
Car insurance groups in the UK are regularly reviewed by Thatcham and the associated Group Rating Panel. Your car’s insurance group could change over time as its value and repair costs fall, or as the security features become outdated.
Not as a rule. The insurance groups of electric or hybrid cars are decided based on the same metrics as petrol and diesel cars. So where electric vehicles can have advanced security measures, they could also be more expensive to repair. It really depends on the individual car.
If you have not bought your car yet, you can find out through the car dealer. Otherwise, your car’s insurance group is often outlined in your V5C logbook. There are also a range of reputable websites that will go into detail outlining the insurance group of the make, model, and year of your exact car.
At Quotezone.co.uk, we help you compare car insurance quotes from over 120 UK providers. Whether your car is in a lower or higher insurance group, we give you access to a range of insurance policies that have been matched to you and your car’s insurance needs. Filter and sort quotes instantly to find a better deal on your car insurance. Comparing quotes for different UK car insurance groups lets you easily see how the group affects your premiums. So, whether you’re looking for comprehensive, third party, or third party, theft and fire car insurance, we can help you find the right coverage.
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