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Car insurance group checker

Car insurance group checker

If you’re buying a new car or looking to renew your car insurance, it’s always handy to know which insurance category your car falls into. With our car insurance group checker, it’s easy to find out. Simply enter the details below and away you go.

Daniel Hutson
From the Motor team
3
minute read
posted 4 DECEMBER 2019

Car insurance groups explained

An industry-wide insurance advisory service, Thatcham Research, administers the Association of British Insurer’s (ABI) Group Rating system. They score all makes and models of cars into 50 insurance groups. 

The higher the group, the higher your car insurance premium is likely to be. Cars in the higher groups tend to be top-of-the-range models, those that would be expensive to replace or repair, or those that are more often targeted by thieves. Generally speaking, if your car is in one of the lower groups you’ll pay a lower premium – something to bear in mind if you’re looking for a new car.

Find out how Thatcham make their calculations.

Use our car insurance group checker

To find out which insurance group your car is in, just enter the details below. Once you’ve found your group, start a quote to see what premium you could pay.

Little red car

What can I do if my car is in a higher insurance group?

If your car is in one of the more expensive car insurance groups, you might still be able to bring down the cost.

Complete a car insurance comparison with Compare the Market and we’ll show you a list of quotes from our panel of insurance providers. 

You can also check what’s included in the policy. If having breakdown cover or a courtesy car doesn’t matter much to you, look for policies that don’t include these options. You could find this reduces the cost of your premium – just don’t remove them if you think you might need them.

Can I do anything else to help keep insurance costs down?

You might consider setting a higher voluntary excess, just remember if you do make a claim, you’ll have to pay both the compulsory and voluntary excess. 

You may also want to invest in security-enhancing features, such as an immobiliser, steering lock or an approved alarm system. Providers will often take these into account and adjust your premiums accordingly, but it’s a good idea to check with them first before you fork out. 

Similarly, you might benefit from a telematics or “black box” policy, where your driving data is shared with your insurance provider and safe driving is incentivised.  

Reducing the mileage you do in your car could cut the cost of your premium – the less you’re on the road, the less of a risk you’re seen to be by your insurance provider. However, always be honest about the miles you do, as underestimating could invalidate your policy in the event you make a claim.

Will an additional named driver on my policy be beneficial?

It can bring down your car insurance quote if you include an experienced named driver on your policy, such as a parent or older sibling. Just make sure you don’t declare them as the main driver as you don’t want to be accused of ‘fronting’ – a type of fraud that would make your policy invalid. 

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