Insurance Groups Explained

If you’re thinking of buying a new car, you probably have an idea of the make or model you want. However, it’s worth remembering that the type of car you go for will have a direct effect on the insurance premium you’ll end up paying.

Put simply, each type of car falls into a certain car insurance group, and this will help determine the price of your policy. 

What is a car insurance group?

Every make and model of car in the UK is classified into one of 50 insurance groups, which helps decide how much it will cost to insure. The insurance group your car falls into depends on a number of factors, including the cost, engine size and top speed.

Generally speaking, the lower the insurance group your car falls into, the lower your insurance premium will be. Therefore, for example, a high-performance sports car will tend to have a higher insurance group than a family hatchback, and cost more to insure.

Typing on laptop

What is my car’s insurance group?

You can find out what your car's insurance group is by typing in the make, model and age. It’s a free service provided by Thatcham Research, though you do have to register first.

Be aware that any modifications that have been made to your car can have a big effect on the cost of your insurance. Always tell your insurer about any modifications. If you don’t, it could invalidate your policy.

Is my car’s insurance group the only thing insurers will consider?

Your car’s insurance group is only part of the picture. Insurers also take into account a number of other factors when they calculate your premium, such as: 

  • Your age
  • Your job 
  • Your insurance claims history 
  • Where your car is stored overnight 

Find out how Swinton can help you get the right insurance.


Published: 22nd March 2016

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