Car Insurance Group

It is important to gain an understanding of the Car Insurance Group ratings system. This enables motorists 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.

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

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

Note how the ratings 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 grouping for a particular make and model of car i.e. vehicle security level, age, is the car an import etc?

Ratings are established and devised by The Motor Insurance Repair Research Centre at Thatcham in conjunction with the Association of British Insurers (ABI). In fact, Thatcham provide 70% of the information used to establish the Insurance Group of every private motor car registered in the UK. The relevant bands of private cars and light commercial vehicles can be seen on the Association of British Insurers web site. On their pages you can clearly establish and most importantly understand how the car insurance groups ratings system works!

Top UK 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 rating of your vehicle you can get a great value, online quotation from our top two providers: Aviva Car Insurance & Churchill Car Insurance.