Car insurance group 7 uke
Cars in insurance group 7
Car Insurance Groups > Browse Groups > 7
In this section you'll find a list of cars in insurance group 7 of 50. The tables below contain insurance group seven cars, ordered by manufacturer. We've grouped specific models together to make things easier for you to browse. Group 7 cars tend to have smaller engines with less power, and relatively speaking are quite cheap to insure.
ChevroletMatiz Insurance group 7 View pics Chevrolet Matiz Le 1 litre - 5 door (2005-2005) Chevrolet Matiz Se 1 litre - 5 door (2005-2005) Chevrolet Matiz Se+ 1 litre - 5 door (2005-2005) Daewoo Matiz Xtra 1 litre - 5 door (2003-2004) x Find a Chevrolet Matiz on
CitroenBerlingo Insurance group 7 View pics Citroen Berlingo Multispace Vtr Hdi (92) 1.6 litre - 5 door (-2010) Citroen Berlingo Multispace Vtr Special E 1.6 litre - 5 door (-2010) Citroen Berlingo Multispace Xtr (110) 1.6 litre - 5 door (-2008) Citroen Berlingo Multispace Xtr Hdi (90) 1.6 litre - 5 door (2008-2010) Citroen Berlingo Multispace Xtr Hdi (92) 1.6 litre - 5 door (-2010) x Find a Citroen Berlingo on C2 Insurance group 7 View pics Citroen C2 Ministry Of Sound 1.4 litre - 3 door (2004-2004) Citroen C2 Rhythm Hdi 1.4 litre - 3 door (2008-2008) Citroen C2 Sx Hdi 1.4 litre - 3 door (2003-2008) Citroen C2 Vtr (90) 1.4 litre - 3 door (-2009) Citroen C2 Vtr Hdi 1.4 litre - 3 door (2008-2008) x Find a Citroen C2 on C3 Insurance group 7 View pics Citroen C3 Airdream Hdi 70 1.4 litre - 5 door (2009-2009) Citroen C3 Pluriel Convertible 1.4 litre - 2 door (2003-2006) Citroen C3 Rhythm Hdi 70 1.4 litre - 5 door (2008-2008) Citroen C3 Vt Hdi 70 1.4 litre - 5 door (2009-2009) Citroen C3 Vtr (75) 1.4 litre - 5 door (2009-2009) Citroen C3 Vtr+ (75) 1.4 litre - 5 door (-2010) x Find a Citroen C3 on Nemo Insurance group 7 View pics Citroen Nemo Multispace Hdi (75) 1.2 litre - 5 door (-2010) x Find a Citroen Nemo on Saxo Insurance group 7 View pics Citroen Saxo East Coast 1 litre - 3 door (1998-1999) Citroen Saxo First 1 litre - 3 door (1999-2000) Citroen Saxo Mischief 1 litre - 3 door (1997-1997) Citroen Saxo Scandal 1 litre - 3 door (1998-1998) Citroen Saxo Spree 2 1 litre - 3 door (1998-1998) Citroen Saxo Spree 4 1 litre - 3 door (1999-1999) Citroen Saxo X 1 litre - 3 door (1998-1999) x Find a Citroen Saxo on
DaewooMatiz Insurance group 7 View pics Chevrolet Matiz Le 1 litre - 5 door (2005-2005) Chevrolet Matiz Se 1 litre - 5 door (2005-2005) Chevrolet Matiz Se+ 1 litre - 5 door (2005-2005) Daewoo Matiz Xtra 1 litre - 5 door (2003-2004) x Find a Daewoo Matiz on
Fiat500 Insurance group 7 View pics Fiat 500 Bydiesel 1.2 litre - 3 door (-2008) Aixam 500 Eco Diesel Auto 0.5 litre - 3 door (1999-2000) Aixam 500 Luxe Diesel Auto 0.5 litre - 3 door (1999-2000) Fiat 500 Pink 1.2 litre - 3 door (2010-2010) Fiat 500 Pop Multijet Tdi (75) 1.2 litre - 3 door (-2007) Fiat 500 Start & Stop (Lounge) 1.2 litre - 3 door (-2009) Aixam 500 Ut Diesel Auto 0.5 litre - 3 door (1999-2000) x Find a Fiat 500 on Doblo Insurance group 7 View pics Fiat Doblo Dynamic Multijet Td (90) 1.6 litre - 5 door (-2011) Fiat Doblo Eleganza Multijet Td (90) 1.6 litre - 5 door (-2011) x Find a Fiat Doblo on Panda Insurance group 7 View pics Fiat Panda Cross 4X4 Multijet Jtd (70) 1.2 litre - 5 door (-2008) x Find a Fiat Panda on Punto Insurance group 7 View pics Fiat Punto 1.2 litre - 3 door (1999-2002) Fiat Punto (Grande) Dynamic (77) 1.4 litre - 3 door (-2006) Fiat Punto (Grande) Eleganza (77) 1.4 litre - 3 door (-2007) Fiat Punto (Grande) Gp (77) 1.4 litre - 3 door (-2008) Fiat Punto (Grande) Sound (77) 1.4 litre - 3 door (-2009) Fiat Punto 5000000 1.2 litre - 3 door (2003-2003) Fiat Punto 60 S 1.2 litre - 3 door (1997-1999) Fiat Punto 60 S Team 1.2 litre - 3 door (1998-1998) Fiat Punto 60 Sx 1.2 litre - 3 door (1997-1999) Fiat Punto Active 8V 1.2 litre - 3 door (2002-2006) Fiat Punto Active Diesel 1.9 litre - 3 door (2002-2006) Fiat Punto Diesel 1.7 litre - 3 door (1995-1996) Fiat Punto Dynamic 1.2 litre - 3 door (2002-2003) Fiat Punto Elx 1.2 litre - 3 door (1999-2002) Fiat Punto Evo Active (77) 1.4 litre - 3 door (-2009) Fiat Punto Evo Feelin Good 1.4 litre - 3 door (2010-2010) Fiat Punto Go 1.2 litre - 3 door (2001-2002) Fiat Punto Mia 1.2 litre - 3 door (2000-2002) Fiat Punto Sole 1.2 litre - 3 door (2005-2005) x Find a Fiat Punto on Seicento Insurance group 7 View pics Fiat Seicento Sporting 1.1 litre - 3 door (1998-2004) x Find a Fiat Seicento on Stilo Insurance group 7 View pics Fiat Stilo Active 16V 1.2 litre - 3 door (2002-2004) Fiat Stilo Active Aircon 16V 1.2 litre - 5 door (2003-2004) x Find a Fiat Stilo on
FordFiesta Insurance group 7 View pics Ford Fiesta Finesse 16V 1.2 litre - 3 door (2003-2005) Ford Fiesta Firefly 16V 1.2 litre - 3 door (2004-2004) Ford Fiesta Lx 1.3 litre - 5 door (2002-2003) Ford Fiesta Style+ Tdci (68) 1.4 litre - 3 door (-2008) x Find a Ford Fiesta on Fusion Insurance group 7 View pics Ford Fusion 1 1.4 litre - 5 door (2002-2005) Ford Fusion 1 Tdci 1.4 litre - 5 door (2002-2005) x Find a Ford Fusion on 1 2 3 4
The need for an annual car insurance quote is one of the frustrating aspects of car ownership. Yes, we know we need to be covered, but why can’t our car insurance company be relied on to give us the best deal each year? Instead, annual insurance premiums seem to rise inexorably, with companies taking advantage of ‘automated renewal’ notices to hike prices safe in the knowledge that most drivers are too busy to pay much attention.
Cynical? Us? Well maybe, but we know we’re not the only ones to share that view. It’s why the car insurance comparison websites are thriving, as sensible drivers take the opportunity to shop around for car insurance online.
• Cheapest cars to insure
Shopping around is a good way to save money on a car you already own, but if you know running costs are going to be an issue upfront, you’ll need to start thinking about the insurance group rating of any potential purchase before you set your heart on it.
Car insurance groups are how the insurance companies set your premiums, and they’ve been a part of the motoring scene for nearly 50 years. It’s actually been against the law to drive without insurance since the 1930s, but insurance groups were not introduced until the 1970s, when the industry decided create an easily understood rule of thumb for which cars are most expensive to repair and replace, and/or most likely to be involved in costly accidents due to their performance.
• Car insurance prices hit record-high levels
Nowadays, each new model derivative (and most sold since the 1970s) has an insurance group rating applied by the Association of British Insurers (ABI). The original group ratings were from 1-20, but since 2009 the current much broader insurance group ratings of 1-50 have been used. That means there’s scope to award different ratings to different specs and trims within model ranges. If you want a good illustration of that that can mean, consider the Audi A3 line-up which starts at insurance group 18 for the basic 1.6-litre diesel three-door, but shoots all the way up to insurance group 46 for the sporty S3 Cabriolet. As you would expect, the higher the insurance group rating, the higher your premium is likely to be.
How are insurance groups calculated?
The ABI works in conjunction with vehicle security and repair expert Thatcham to compile the insurance classifications for UK cars. The two main areas of research are how much damage a car sustains in a collision and how cheap and easy it is to repair after an incident. The experts factor in a number of points when setting an insurance group, including:
- • Parts availability and price: For repair purposes, Thatcham uses a list of 23 commonly damaged parts for pricing, in the same way the Treasury's basket of goods is used to calculate inflation.
- • Performance: The manufacturer-quoted 0-62mph acceleration figure and top speed of a specific car are taken into account.
- • Repair costs: Thatcham performs its own low-speed crash tests (chiefly a 15km/h impact) and engineers determine the cost of parts and labour to return a car to its pre-accident condition.
- • Price when new: The vehicle list price is used to calculate the cost of a settlement if the car is written off.
Data for these comes from Thatcham's own tests, although in the case of parts and labour these prices are sourced directly from the vehicle manufacturer.
Once all of these factors are taken into account, Thatcham then classifies each new car into the 1-50 insurance groups, and then a security rating is given. At the top end, cars with excellent security features, such as can move into a lower insurance group, while vehicles with poor security are placed into a higher group and therefore the cost of insurance is increased.
What else determines a car's insurance group?
Thatcham also tests vehicle security, according to the New Vehicle Security Assessment programme. Theft is still one of the chief reasons for an insurance claim, so the security of a vehicle will qualify it for a lower insurance premium. Thatcham breaks down cars with the following suffixes after a car's insurance group number:
- • E: Exceeds the security requirement for the type of car, so the insurance group rating has been lowered.
- • A: Acceptable level of security for the type of car.
- • D: Doesn't meet security requirements for the type of car, so the insurance group rating has been raised.
- • U: Unacceptable standard of security. An insurer may insist on upgraded aftermarket security before they agree cover.
- • P: Provisional. Not enough data is available at the time of launch to classify the car. This will likely be amended once a new car has become available for Thatcham to evaluate.
- • G: Grey import. Thatcham only tests cars that are officially sold in the UK, so imports are only evaluated at a price that the insurer sets.
As mentioned above, security ratings can increase or decrease a car's overall insurance group. A group 8 car with an excellent security rating will be moved down to group 7, and rated as 7E. Conversely, a group 8 car with a poor security score will be moved up to group 9, and rated as 9D.
Another way for a car to improve its insurance group rating is by offering a high standard of safety. If autonomous emergency braking is fitted as standard, for example, a vehicle can drop one group once it's been tested by Thatcham. Other advanced active safety aids can also have a positive effect on the insurance grouping of a car, as long as they are standard-fit equipment.
• Best car insurance companies
Manufacturers play a further part in determining insurance costs. High parts prices or labour rates at dealerships are taken into account when deciding a car's grouping. So if one manufacturer's dealers are more expensive, its cars could creep up the scale - even in cases where cars are mechanically similar. For example, the Audi A3 and Skoda Octavia have similar running gear, but the Audi has insurance group ratings from 18-45, while the Octavia ranges from 13-30.
Different versions of the same car will also be in a range of insurance groups, as engine performance and trim level affect premiums. A base level Ford Fiesta Studio fitted with the 1.25-litre engine is way down in group 5, but the same car in Titanium X trim with the 125bhp 1.0-litre EcoBoost engine is in group 16.
UK insurance groups history
When the group system was established over 40 years ago, cars were classified in just nine insurance groups. In 1992, this was increased to 20, but with ever-increasing diversity in the new car market, the current 50-group system was introduced in 2006.
Vehicles from the 10 years prior to the new system being introduced – 1996 or later – are classified according to the same 50 groups as new cars are today. For cars built before 1996, premiums are calculated based on an insurer's own experience.
What do insurance groups mean to me?
Broadly speaking, the higher the insurance group, the more expensive insurance will be. You can check out the cheapest cars to insure here - these are all cars with a rating in group 1-3, so should be affordable to insure.
However, it’s not quite as simple as that. Insurers aren’t bound to follow the ABI guidelines that Thatcham sets, and will use their own judgement and experience to decide how much to charge customers. For example, a stereotypical ‘boy racer’ car will attract a higher premium than one that’s more staid and sensible – even though the two vehicles might be in the same insurance group.
• Cheaper car insurance for young drivers
This can hit young drivers especially hard - the few cars that a 17-year-old can afford to buy and run will have their insurance costs pushed up even further as the insurer will have past experience with these cars being involved in collisions.
That's why it’s important that insurance groups aren’t the only factor when choosing a new car. Be sure to obtain actual insurance quotes rather than simply comparing on insurance group - you might be surprised how much two similar cars can differ on insurance costs. And of course, research heavily. It could be worth taking a small hit in terms of insurance cost for a car that will save money elsewhere - with excellent fuel economy, for example.
How much do you consider insurance cost before choosing a car? Let us know in the comments below...
Car insurance groups play a big part in determining your premium. Do you know your car's group?
When you insure your car, its car insurance group can be a determining factor in calculating the premium. There are 50 insurance groups, and generally, the lower the group, the cheaper your premiums are likely to be.
So if you’re hoping to reduce your premiums, then ‘downgrading’ to a car in a lower group isn’t a bad idea.
The groups give an indication of risk to insurance companies, with 50 being highest and one being lowest.
High performance cars will typically occupy the higher slots, and are likely to incur the largest costs for insurers in terms of claim payouts.
Who decides a car insurance group?
Each new passenger car built to UK specifications is classified by the Group Rating Panel, which meets on a monthly basis.
This panel comprises members from the Association of British Insurers (ABI) and Lloyds Market Association (LMA).
Around 70% of its data is supplied by a group called Thatcham, which does a lot of research into the efficient, safe and cost-effective repair of vehicles.
The proposed groupings are recommendations only, and hence are not binding on insurers, who can set their own groupings if they choose.
However, variations between insurance companies are unlikely to differ vastly.
Previously there were 20 groups. However, Thatcham introduced the 1-50 system in 2007. This means that each model of car tested can be banded more accurately with similar cars.
How are the insurance groups allocated?
Over 50% of the money paid out in car insurance claims goes towards the cost of repairs, according to figures from the ABI. But this isn't the only factor that's considered when groups are allocated.
The principal factors considered to group cars are as follows:
Cost of damage to parts
This is an assessment of the extent of damage that a car model might incur, and the cost of the parts involved in its repair are factored in.
Essentially, the cheaper it is to replace or repair these parts, the lower the grouping is likely to be.
Body shell availability
Group ratings can be affected by the availability of body shells in addition to parts, because they may well be required in the repair of damage to a car.
Average repair time
This is essentially the labour cost - the longer it takes to fix, the more it’ll cost – which is likely to get the car a higher grouping.
Factors such as achieving the right paint finish on modern cars will be taken into consideration.
Value of new cars
The cost of new cars are usually an indication of the cost of replacement and repair, so that's also taken into account.
High performance cars have a tendency to bring about more frequent insurance claims. So if the car’s a bit handy when it comes to top speed and acceleration, then it’ll probably get a higher group rating.
Level of security
The more secure the car, the more likely it is to achieve a lower grouping, as it's less likely to be stolen.
Features taken into consideration include alarms and immobilisers, security locks on doors, visible Vehicle Identification Numbers (VIN) and locking devices for ‘pinchables’ such as alloy wheels.
So what's my car's insurance group?
You can find this out by visiting the Thatcham website. You'll need to register though.
Don't forget that different insurance companies may group cars slightly differently, but this can still be a good indication.