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UK Car Insurance Groups Explained

Laura Burns By Laura
18th September 2020

Who decides the car insurance group ratings?

Specific factors used when setting an insurance group include:

Cost of vehicle parts icon

Cost of vehicle parts

Repair times and costs icon

Repair times and costs

New car values icon

New car values

Car Security icon

Car Security

Performance icon

Performance

Safety icon

Safety

Bumper compatibility icon

Bumper compatibility

When it comes to car insurance, you should always compare quotes from different providers and keep in mind that the lowest rate isn't always the best. Aim for a balance between cost and coverage as it prevents you from being over or under-insured and guarantees you have the proper protection at the right price.

David Johnson
Director - Nationwide Vehicle Contracts

To help reduce premiums, you can:

Increase the voluntary excess icon

Increase the voluntary excess

Install a car alarm or tracking device icon

Install a car alarm or tracking device

Pay for your policy annually rather than monthly icon

Pay for your policy annually rather than monthly

Choose a policy that uses telematics icon

Choose a policy that uses telematics

Stay safe to get reduced premiums on renewal icon

Stay safe to get reduced premiums on renewal

Consider driving an older car icon

Consider driving an older car

Consider an advanced driving course icon

Consider an advanced driving course

Top 10 Cheapest Cars to Insure

Volkswagen Polo driving
FROM £216.82 Price per month Incl VAT Latest deals
Vauxhall Corsa Hatchback driving
FROM £256.92 Price per month Incl VAT Latest deals
Hyundai i10 driving
FROM £174.56 Price per month Incl VAT Latest deals
Seat Ibiza driving
FROM £180.69 Price per month Incl VAT Latest deals
Nissan Micra driving
Toyota Yaris driving
FROM £267.11 Price per month Incl VAT Latest deals
Fiat Panda driving
FROM £200.32 Price per month Incl VAT Latest deals
Skoda Citigo driving
Volkswagen Up Hatchback driving
FROM £208.25 Price per month Incl VAT Latest deals
Ford Fiesta Hatchback driving

Guide Information

Laura Burns

About the Author: Laura Burns

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