Do low emissions affect my insurance?
Before we check out the answer to that question, let’s start by saying that there are many things that affect your insurance. Some of them relate to you. Some of them relate to the car you drive.
For a start, there’s your age, how long you’ve been driving, whether you have any no claims bonus, any driving convictions and where you live. In addition, there’s the car you drive and how much it is worth to take into account.
Leaving aside the personal aspects as these will be different for each individual, the insurance industry has helpfully attributed an “insurance group,” a number ranging from 1 to 50 to each vehicle on the road.
Car insurance groups take account of:
- Repair costs
- Repair times
- New car values
- Parts prices
- Performance of the vehicle, e.g. the power and acceleration
- Safety features
- Security features
A low car insurance grouping should then – all other things being equal – mean a cheaper car to insure.