Drivers
Women
Young Drivers
Students
Learner Drivers
First Time Drivers
Senior Citizens
Northern Ireland
Expatriates
Convicted Driver
Vehicle Groups
4x4 Vehicle
Performance Car
Classic Car
Imported Car
Kit Car
Modified
Custom
Cherished Cars
Van Insurance
Insurance Groups
Manufacturers A-N
Manufacturers O-Z
Caravan Policy
Breakdown Cover
Cover Levels
Comprehensive
Third Party
Simple Cover
Short Term Cover
Eco-Friendly
Limited Mileage
Pay as You Drive
Gap Car Insurance
No Claims Discount

To make a better judgment of the level of driver and vehicle protection, and the type of policy that would be most suitable for you it is important to gain an understanding of the Car Insurance Group categories.

Car Insurance Group Quote  

UK motor insurance companies, brokers, providers and intermediaries take advantage of the ratings system to provide the correct level of car insurance. Group ratings are purely advisory and each group is assigned a number form 1 to 20. This enables each each vehicle model to be accurately banded with cars of similar characteristics. An example of how the system works can be seen from the example below:

  • Basic VW Polo model insurance group 3
  • Citroen Saxo 1.6i VTR is group 7
  • BMW 3 series (base model) car insurance group 11
  • Aston Martin’s are group 20 insurance

Note how the insurance group number rises according to relevant engine size, and performance of the car. We can deduce then that the higher the group, the more relatively expensive it is likely to be to insure the vehicle. (1 is low, 20 is high). Their are obviously other factors which are inputted to accurately reflect the correct insurance group for a particular make and model of car i.e. vehicle security level, age, is the car an import etc?

The Motor Insurance Repair Research Centre at Thatcham provide the Association of British Insurers with 70% of the information used to establish the Insurance Group of every private motor car registered in the UK.

The car insurance bands of private cars and light commercial vehicles can be seen on the Association of British Insurers web site.

Top UK Car Insurance Providers
The wealth of experience we have accumulated over the last five years in the UK motor insurance sector has enabled us to provide you with the most likely insurers who can deliver the lowest, best value for money premiums. If you know the car insurance group rating of your vehicle you can get a great value, online quotation from LV car insurance, Kwik Fit car insurance, Aviva Car Insurance,
& HSBC car Insurance.

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The details published on this site are for information purposes only and should not be construed as advice under the Financial Services and Markets Act 2000. Homeapproved does not act as an introducer in respect of contracts of insurance, and acts merely as a conduit for insurance providers. All insurance providers listed on this website are FSA authorised firms. You are advised to take appropriate professional and legal advice before entering into any binding contracts.