Home Insurance Insurance groups | How many are there and how do they work?

Insurance groups | How many are there and how do they work?

Insurance groups

What are insurance groups? And, how I can ensure that I’m getting the best deal with my insurance group? These are probably questions that you’ve asked yourself. In this article, you will find the answer to these questions, along with many more questions about insurance groups.

What are insurance groups?


An insurance group is a method to determine the cost of insuring your car based on which group they’re assigned to. The Association of British Insurers (ABI) determine a car’s insurance group. The groups range from 1 to 50, with the lower groups being the cheaper option to insure.

What are the insurance groups and what do they mean?

Insurance groups are designated for vehicles in the UK. The groups are determined by the Group Rating Panel, which is made up of representatives of the insurance industry and meets every month to determine car insurance groups. The cost of insuring your car will be determined by which insurance group your vehicle falls into, ranging from Group 1 all the way up to Group 50. The ratings take into consideration a variety of factors, including safety, performance, size and weight, security, and probably most important, the cost of repairs.

It’s important to note that not all insurance providers will go by these groups exactly, but they will use something similar when they assess a vehicle.

Car insurance groups in UK explained

Every make and model of a car is assigned to a group based on many factors, including repair time. It will also include the numbers ranging from Group 1 to Group 50. Cars in the lower groups are cheaper to insure, while cars in the higher groups are more expensive to insure.

What are the car insurance categories?

The car insurance categories fall into 50 different groups, ranging from Group 1 to Group 50. Cars in the lower groups are cheaper to insure, while cars in the higher groups are more expensive to insure.

With insurance categories, it’s not even as simple as choosing a smaller car to guarantee a lower group. A variation of a model may be grouped completely different from others due to how it’s put together. The ABI (Association of British Insurers) takes several factors into consideration, including: value of parts, safety, security, cost of repairs, and performance.

However, there are other aspects beyond the insurance grouping that may be taken into consideration, such as the value of the vehicle and it’s age.

What are other types of insurance groups?


Besides car insurance groups, there are group lists for other types of vehicles, such as vans.

What are van insurance groups?

Just like car insurance groups, the van insurance groups are determined by the Association of British Insurers (ABI) to determine the groups, and how much your van insurance will cost. They take into consideration several factors, including size of engine, weight, security, performance and cost of repairs. The van groups are organized from Group 1 to Group 20, with the lower end being the cheaper insurance.

How does the car insurance groups work?


Every make and model of a car is assigned a group based on several factors, including repair time, part prices, size and weight, performance and security. The cost of repair is said to be the biggest determinant of which group the car will be assigned.

What insurance group is my car?

In order to find out the correct insurance group for you car, it’s recommended to use a database that searches by car brand. After you find your specific vehicle model, it should designate which group the vehicle falls into.

For more information, use a database like ComparetheMarket to locate your car’s insurance group.

What are the car insurance categories?

The car insurance categories are determined by a group rating system. Cars in the highest groups, typically high performance models, are likely to cost insurers the most in insurance claims. The factors that go into determining a car’s group are the following: car security, size and weight, car performance, safety and what figures most importantly, the cost of repairs.

What are car insurance bands?

Car insurance bands, or groups, are determined by a group rating system. The groups range from Group 1, the lowest and cheapest option, all the way up to Group 50, the highest and most expensive option available.

How many groups are there in car insurance?

The groups for car insurance are numbered from Group 1 to  Group 50. Cars in the lower groups are cheaper to insure, while cars in the higher groups are more expensive.

What cars are in insurance Group 1 2 3 4?

The types of cars in the lower groups are the cheaper types of car to insure. For example, Groups 1 to 10 may include Dacia Sandero, Vauxhall Corsa, and VW Up!. A few others are the Toyota Yaris, Kia Rio, Renault Twingo, Hyundai i10, Seat Mii, Skoda Citigo, and Ford Ka+.

If you don’t see your car here, don’t worry – the groups contain many vehicles and it’s important to search a qualified database to see which group your car is located in.

What cars are in Group 1 insurance?

According to BoughtByMany, the cars in Group 1 insurance include the following: Vauxhall Corsa, Fiat Panda, Citroen C1, Chevrolet Spark, Skoda Citigo, Volkswagen Up!, Seat Mii, Volkswagen Fox, Hyundai i10, Ka Studio 1.2, and Kia Rio.

If you don’t see your car here, don’t worry – check a qualified database to see which group your car is located in.

What cars are in Group 2 insurance?

According to Carinsurancegroups.co.uk, the cars in Group 2 insurance include the following: Citroen C1 varieties, Fiat Qubo Active, Nissan Pixo Acenta, Skoda Fabia varieties and Peugeot Partner.

If you don’t see your car here, don’t worry – check a qualified database to see which group your car is located in.

What cars are in Group 3 insurance?

According to Carinsurancegroups.co.uk, the cars in Group 3 insurance include the following: additional Citroen C1 and C2 varieties, Fiat Fiorino and Panda varieties, Ford KA varieties and Peugeot 107.

If you don’t see your car here, don’t worry – check a qualified database to see which group your car is located in.

Where is a car insurance groups list?

For an example of a car insurance groups list, go to this site for information on which cars fall into each specific group for Group 1 to Group 50.

Read more: Car Insurance Groups

What are car insurance groups 1 – 20?

For car insurance groups in Group 1 to Group 20, go to this site for finding out which cars fall into these categories.

Read more: Car Insurance Groups

Car Insurance Group Table

If you’re interested in learning more about which cars in available in which group, we have provided a sneak peak of what is available for each group, from Group 1 to Group 50.

This is NOT a comprehensive list. It is a quick guide to get you started. Hopefully, it can give you an idea of how the cars are grouped by insurance groups. For a complete list or to find a specific vehicle, we recommend checking out sites like CarInsuranceGroups.co.uk.

 

Which is the cheapest insurance group?


The cheapest insurance group for cars will be in the Group 1 to Group 10 categories. For more information on what cars are locate in those groups, read more below or go to a qualified database list to find your match.

What is the cheapest car to insure?

The cheaper cars to insure will be located in the lower group numbers, such as from Group 1 to 10 categories. A few cars listed in those categories that are considered a good deal as of 2018 are the following: Kia Rio (starting in Group 2), Volkswagon Polo (starting in Group 1), Vauxhall Corsa Hatchback (starting in Group 2), Ford Fiesta (starting in Group 2), and Hyundai i10 (an older model that is now in Group 1).

Source: USwitch.com

What is insurance group 14 average cost?

According to CarPages.co.uk, which lists all the prices for cars in Group 14, the average price is around £15,000.

Read more: Car Pages – Group 14

Where is an insurance group prices table for the UK?

There are several sites available that have group price tables for car insurance groups online. The site listed below, CarPages.co.uk, has a table for each group with the average price for each vehicle within that group. It’s just one example of a comprehensive database for every vehicle and which group they belong to within insurance groups.

Read more: Car Pages

What are low insurance group cars?

The lowest insurance groups for cars will be in Group 1 to Group 10.

Selected vehicle insurance groups


Here is a list of some selected vehicle brands by insurance group. It’s important to note that some vehicle brands will have a wide range, as it depends on the variety of factors that go into deciding a vehicle make and model’s specific group.

Vauxhall Corsa Insurance Group

The Vauxhall Corsa generally falls in the lower range groups of Group 1 through Group 10, although some models are in the upper range of Group 20s, too.

For more information, check out: UKMotorist

Citroen C1 Insurance Group

The Citroen C1 usually falls into the Group 1 through Group 5 range.

For more information, check out: UKMotorist

Toyota Yaris Insurance Group

The Toyota Yaris generally falls in the Groups 1 through 15.

For more information, check out: UKMotorist

References


http://www.tescobank.com/car-insurance/guides/groups-explained/
https://www.uswitch.com/car-insurance/the-cheapest-cars-to-insure/
https://boughtbymany.com/news/article/group-1-car-insurance-cars/
http://www.carinsurancegroups.co.uk/groups-list/
http://www.carpages.co.uk/car-insurance-groups/
https://www.directlineforbusiness.co.uk/van-insurance/insurance-groups-explained-and-listed
https://www.uswitch.com/car-insurance/the-cheapest-cars-to-insure/
https://www.admiral.com/magazine/guides/car-insurance/car-insurance-groups