What are car insurance groups?
Car insurance groups are used to determine the risk faced to insurers by insuring a particular vehicle.
- Every private car in the UK is allocated a car insurance group which is then used by insurers alongside things like your address and driving history, to calculate your insurance premium
- There are 50 different insurance groups ranging from 1 to 50 with 1 usually being the cheapest to insure and 50 being the most expensive
- The motor insurance repair research centre Thatcham is responsible for working in conjunction with the Association of British Insurers to allocate a group to each new car
Some of the models you may find within the different insurance groups include:
|1 - 10
||Citroen C1, Vauxhall Corsa, Ford Ka, Audi A1, Volkswagen Golf
|11 - 20
||Audi A3, Fiat 500, Honda Civic, Kia Picanto, Mini Countryman
|21 - 30
||Audi Q5, BMW 1 Series, Land Rover Freelander, Mini Cooper S
|31 - 40
||Lexus IS, Audi TT, BMW 5 Series, Ford Mondeo, Porsche Boxster
|41 - 50
||Infiniti M, Volkswagen Phaeton, Audi R8, Citroen C6, Volvo XC90
*This is not an exhaustive list - some of the models within each group range will be allocated different groups depending on their exact specification. All details taken from Parkers.co.uk.
How are car insurance groups calculated?
There’s lots that goes into determining which group a car should be placed in, but one of the biggest factors is the repair costs involved following an accident. Typically, those cars that cost more to repair become more of a risk for insurers to cover.
Factors that affect the grouping of a car include:
- Performance - A car's 0-60mph time and top speed
- New car price - Adjusted to accommodate different trim levels and cost of replacement if the car becomes a total loss
- Parts pricing - The cost of parts from a list of 23 standard parts
- Security - How secure a car is against attacks (see group security ratings below)
To calculate repair costs, Thatcham engineers use an internationally recognised impact test where each car is put through a 15Km/h impact then assessed to determine the cost and time involved in returning the car to its pre-accident condition.
Group security ratings
When allocating a group rating for a car, if the cars’ security features have been rated, the insurance group number (rated from 1 to 50) is followed by a letter showing the result of the security test:
Exceeds the security requirement for a car of this type and therefore the group rating has been reduced – e.g. a group 12 car that exceeds the standard is listed as a 11E
Acceptable security requirements for the car's group
Provisional – incomplete data when the model was launched
Doesn't meet the security requirement for a car of this type and therefore the group rating has been increased – e.g. a group 11 car that doesn't meet the standard is listed as a 12D
Unacceptable – the level of security is significantly below requirements. The car won't be uninsurable, but some insurers may insist on a security upgrade before they cover you
Import – Insurance Group Ratings and security ratings are currently only allocated to vehicles built for the UK market
If you'd like more information on how a car's group rating can affect your premium, take a look at our guide.