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BMW 1-Series Hatchback

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Key points

  • The Group Rating Panel puts vehicles in groups between one (lowest) and 50 (highest) every month after assessing data gathered from Thatcham
  • Not all insurers use this rating, but they will use something similar when they assess a vehicle
  • The lower the insurance group, the lower your premium is likely to be, but...
  • ... your vehicle is only one factor when it comes to calculating insurance prices - there are many other factors in play that may prove more significant

The Group Rating Panel is made up of representatives of the insurance industry and meets every month to determine car insurance groups.

It assigns a group number between one and 50 to every model of vehicle. A group one vehicle would be in the lowest insurance group, group 50 the highest.

The main factor used by the panel to determine groupings is research conducted by the Motor Insurance Repair Research Centre (Thatcham).

The categories used to calculate the ratings are:

  • Damage and parts costs
  • Repair times
  • Value
  • Availability of body shells
  • Performance
  • Security

Not all car insurance companies choose to use the groups set by the panel, with some opting to set their own groupings instead.Cheap car insurance for new drivers uk weather

But rating factors will be similar and if you use the tool above to find your car's insurance group you'll get an idea of where your vehicle stands in the table.

In our quotes process you can then quickly and easily compare multiple insurance brands to find the right policy at the right price.

Whichever set of insurance groups an insurer uses, you'll typically find that cars in lower groups attract a cheaper premium.

Cars in higher insurance groups attract a higher premium, often because they're high-performance models or prestige cars that have expensive repair or replacement costs.

Bear in mind that making any non-factory-standard modification to your vehicle is likely to override the standard group rating in the eyes of an insurer and there's a good chance that this will make the car more expensive to cover.

From Covered mag:

  • Making sense of car insurance groups

It's not all about the insurance group...

Remember that, whatever rating your vehicle has, there may be more significant factors affecting the price of your insurance, such as the profile of the driver and where he or she lives.

As just one example of things to consider, a poor security rating for your vehicle may be somewhat countered in the eyes of certain insurers if you take measures to improve the security of your vehicle yourself.

To get a better idea of some of the factors in play, try our tips to cut the cost of car insurance and read our extensive collection of car insurance guides.

By Sean Davies

 

Source


Insurance groups explained

The type of car you drive can make a real difference to the amount you pay for your car insurance and working out how much a car costs to insure can be complex.

First there's the type of car. Secondly, there's the cost of repairing it. Plus all of the other details you provide when getting a quote.

Some insurance companies rate cars using a scale of 1-50, which is based on the ABI advisory insurance groups.

How the groups are decided

The groups are worked out by the Grouping Rating Panel. It's run by the Association of British Insurers (ABI) and Lloyds Market Association.

Some of the factors they consider are:

  • Cost of repairs. Some models take longer to repair and parts are more expensive.
  • Price of the car. If your car is written off, insurers may have to cover the cost of a new one.
  • Security features. If your car comes with an alarm or immobiliser as standard it's better protected against theft.
  • The car's performance. Statistics show more insurance claims come from fast cars than slower ones.

The group uses this information among other data to provide an advisory insurance group for each car model. It's then up to insurance companies to decide exactly how much they charge to insure cars in the various groups.

How insurance groups affect your premiums

Generally, the higher the insurance group the more you'll pay.

A car with a smaller engine is likely to be in a lower insurance group and have lower premiums.

For example, a Citroën C1 Code with a 1-litre engine is in group 2.

A Porsche 911 with a 3.8-litre engine on the other hand is in group 50.

Find out your car's ABI group rating.

Other factors that affect your insurance

Of course, your car's insurance group isn't the only thing insurers look at. It's just a guide to how much you'll pay for one car in comparison to another.

There are still many other factors which affect your premiums including:

  • Your age
  • Your job
  • How many claims you've made in the past

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