Car Insurance Rating
- How your car insurance premiums are calculated.
Car Insurance Ratings / Groups:
The most important variable in the rating of private car insurance
is the car itself as described in the proposal form either
online or offline, which will be driven by those, entitled
to drive under the car insurance policy.
Cars are generally divided into 20 groups mostly
determined by engine size and value, but some insurers add
others for kit-cars or others that have been modified to give
increased performance.
The higher the group number the higher will be the premium
but not all insurers hold the same classifications (e.g. most
insurers may put one type of car into group 5, but another
will put it into 4, and so on). In practical terms there are
three main groupings for car insurance in terms of the car
size and value:
Small cars – Groups 1 -7 Low risk cars
Medium sized cars - Groups 8 - 13 Medium risk cars
Large Cars – Groups 14 -20 High risk cars
Ratings are generally in line with the
purchase price of the car as that determines the cost of repairs.
‘Difficult to repair’ imports may attract a higher
rating than a similarly manufactured car from the UK or principal
foreign makers.
Certain Car Insurance companies may consider any car in group
14 or over as a non-standard risk and may not offer Internet
cover.
Check your Car Insurance Group classes:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
USE OUR EASY CAR INSURANCE
PROFILER TO FIND THE BEST FIT CAR INSURANCE COMPANY FOR YOUR
CAR GROUP
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