Bike/Car/Auto Insurance Groups

When looking for insurance, one of the things the insurance company looks at the the vehicle you're insuring.

This is a scale from 1 to 20, with something like a 998cc Vauxhall Corsa at group 1, a mini cooper convertible at group 9, and pretty much every Ferrari up at group 20. Bikes have a similar system

Several things need to be taken into consideration when assigning an insurance group:

1. The cost of parts, as if there is an accident, it will affect how much the insurance needs to pay out to repair your vehicle. Also if a vehicle is difficult to work on, making repair times longer, this will also affect the insurance group.

2. The security fitted to the vehicle. More security, less likely to be stolen, less likely for the insurance to need to be used.

3. The cost, quite simply because if the car is written off, and it needs to be replaced, the higher costing vehicle, will have a higher insurance group.

4. Compare a 1 litre car to a 3 litre, obviously the larger engined car would have a higher group. Overall acceleration and top speed are also considered.

5. Desirability, 2 very similar cars, might have 2 completely different insurance groups if one of them has a history of being more attractive to car thieves.

So before you jump in and buy your car, do some research on the insurance, and look at similar car that might save you £££s on the insurance.

Rob Laird - ADI
RPL Driving School