A simples guide

Peugeot 206 car insurance

“Oh I want to get away, I want to fly away”, lyrics from Fly Away, the memorable #1 song from Lenny Kravitz which was also the soundtrack to the launch of the 206 way back in 1998.

Well sales of 206’s certainly did fly, and the car remains Peugeot's best seller of all time. Available as a hatchback, cabriolet or even as an estate, the 206 had and still retains, mass appeal.

It was replaced with a new model, the 207 in 2006, but good deals can be found purchasing second hand models.

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Insuring the 206

The cost of car insurance depends on many things.

Some of these relate to the driver, such as:

  • How old you are
  • How long you’ve been driving
  • Where you live
  • How many miles a year you will drive

 

Some of the other factors are to do with the car itself like:

  • Its market value
  • The ‘insurance group’ the car belongs to

 

If you’re not familiar with what an insurance group is, it’s a rating system devised by insurance bodies giving all cars a grouping number between 1 and 50.

This grading is based on a number of different factors including:

  • The power of the car
  • What it costs to repair
  • The cost of spare parts
  • The availability of spare parts

 

Insurance group

As a general rule, a car with a lower insurance group, should be cheaper to insure.

Peugeot 206 models typically fall in the following insurance groups:

Model Insurance group
1.1 L 7
1.9 DL 9
GTi 28
Cabriolet 21
SW 1.1 7
SW 1.4 9
Car brake light

Is there anything I can do to reduce the cost of my insurance?

There are some things you can do to help reduce the cost of your insurance, such as:

1) Varying your excess
You might approach your policy thinking you want to keep your excess as small as possible. There is a trade-off to be had here though. Increasing your excess from the minimum amount to one that you can still afford, could make a significant difference to your premium.

2) Security
Increasing the security on your vehicle might help reduce the premiums. With any security devices you need to assess the one off costs against the premiums that you’ll save.

3) Modifying your car
In short, don’t. Insurers hate changes to factory specifications and whilst you might think it looks great, they won’t. Some insurers will simply refuse to even quote you a price and those that will, will almost certainly charge you more.

4) Restrict how much you drive
Limiting the amount of time you’re on the road obviously reduces your risk and with it, your premium. Most insurers will ask you for a mileage limit, so set this as low as you think you can comfortably achieve.

5) Drive well
The consequences of driving well will, over time, lead to lower premiums. Your no claims bonus remains the best way to reduce your premiums overall. Conversely, if you start racking up the penalty points you will start ratcheting up those premiums too.

6) Shop around
Finally, make sure you shop around. Our comparison service will help you find the best deal for you. The market is also intensely competitive. Looking a little harder for a good quotation can pay off. Just see how much you could save!

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