Group 28 Car Insurance

Car Insurance Group 28 

What is a car insurance group? How are these determined? These are common questions that drivers ask. Insurance companies use car insurance groups to calculate the cost of insuring a car. 

The insurance risk for the car is set by professional insurance bodies like the Association of British Insurers (ABI). Cars are allocated to a car insurance group between 1 and 50, 1 being the lowest risk and typically the lowest cost group, and 50 being the highest risk and typically the highest cost group.

The cost to insure cars in insurance Group 28 is more expensive when you compare them to cars in lower groups. But it is important to remember that other considerations like the age of the driver, driving history and the cover taken in the insurance policy all affect the costs. 

If you are considering buying a car with Group 28 insurance and need to find out the cost of insuring it, you can compare quotes from over 100 UK insurance providers at Quotezone.co.uk. 

What exactly is “Group 28 insurance”? 

Group 28 insurance is one of fifty groups from a system used by insurance companies to influence the cost of insuring a specific car model. Each model of car is put in a group between Group 1 and Group 50 with Group 1 being the lowest risk and typically cheapest and Group 50 the highest risk and highest cost. 

Cars in insurance group 28 are considered to be a moderate insurance risk. These are some of the factors considered when a car is placed in Group 28: 

• Costs to repair the car. 
• Safety systems like anti-lock brakes and electronic stability control. 
• The power and size of the engine. 
• Accident and claims statistics. 
• Risk of theft. 
• And the cost and availability of repair parts. 
• The car’s market value

Even though the 28 insurance group is considered to be a moderate one in terms of insurance cost, the actual price you pay will vary based on things like, your age, driving record, neighbourhood, and the terms of the policy. 

How does the cost of insuring a Group 28 car compare to other insurance groups? 

Group 28 insurance costs are usually higher than the cost of insuring a lower group car and lower than the costs of a higher group, but the specific cost of insuring a 28 insurance group car will vary because of the following things: 

• Your age  
• Your driving record 
• Your neighbourhood  
• The type of cover included in the policy
• Voluntary excesses
• Our no claims history
• Any additional drivers added to the policy

To get an indication of the insurance costs for you, always get multiple quotes to compare, giving accurate information about yourself and the Group 28 car you are insuring. 

Is there a difference between insurance Group 28 and insurance Group 28e? 

The car insurance groups are a way for insurance companies to rate the risk of insuring the car and set premiums for car insurance. Car insurance groups range from Group 1 which is low risk, low cost, to Group 50 which is high risk, high cost. 

Another part of the group rating process looks at the factory-fitted security systems of cars. Each car’s security is rated, and a letter is added to the group number. The letters added are as follows: 

A = Acceptable security systems. 

P = Provisional as the data is incomplete. 

D = Does not meet the requirement.

U = Unacceptable. Security below requirement. 

G = Imported car. No group rating is available. 

E = Exceeds the requirement. 

So, the difference between the 28 car insurance group and the 28e insurance group is that the Group 28e car has very good security features, so it is considered less of a risk than a Group 28 car. 

If my car is insurance Group 28e what would be the average cost? 

Although insurance Group 28e gives a general indication of the level of insurance risk of the car, it does not determine the insurance Group 28e average cost in the UK. This is because the actual price will also take into account your details and the terms of the policy. 

As a result, the actual cost of insuring a car from the 28e car insurance group will vary from one person to the next. To get an indication of insurance Group 28e average cost for you it is advisable to obtain several quotes to compare. 

Quotezone.co.uk can assist you with this, but make sure to supply accurate information about you, your driving history, where you live and the car itself. 

Compare quotes from over 100 UK car insurers to find the best one for you. Always check that the levels of cover and terms are suitable for your needs. 

Which cars fall under insurance Group 28? 

The ratings for insurance groups are based on things like the specifications, safety features, cost to repair and historical claims data. Therefore the list of cars in insurance Group 28 changes all the time due to depreciation rates, new models being released and updates to current ones. 

To find out what cars are in Group 28, the best option is to check the current group rating information. This can be listed on insurers’ websites or you can enquire with your current insurer, or car broker, or use a reputable online insurance group checker.

Do insurance Group 28 cars have powerful engines? 

Just because a car is in insurance Group 28 it does not necessarily mean it has a powerful engine. The group rating for a car is decided using several different things and not just engine power. 

Some powerful cars are indeed in higher insurance groups due to the car in question having an increased risk of accidents or theft. But other factors could contribute to the car being in Group 28 other than engine power. Factors such as these are also considered when allocating cars to insurance groups.

Accordingly, there will be cars in insurance Group 28 with a range of engine sizes and power outputs. The individual characteristics and risks of each car determine its insurance group rating. 

If you are thinking about buying a car in this group, be sure to get a couple of car insurance quotes to compare that take your details into account. 

Where can I find a list of cars in insurance Group 28? 

You can often get a current list of cars in insurance Group 28 from insurance company websites, or you could request a list from your current insurer directly. Insurance group ratings are constantly changing due to new model introductions and updates so it’s important to obtain car insurance groupings from sources that keep their databases up to date, these include the likes of car dealerships and insurance experts. 

Insurance group ratings are just one of many things that you should consider when buying insurance given the actual insurance costs will depend on factors like your age, driving record, home address and the coverage limits and areas of the policy.