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.