Car insurance group checker

Our car insurance group checker is designed to help you understand what group your car is in and what impact this could have on your cheap car insurance

Check your car insurance group

To find out what car insurance group your car is in, just follow the steps below. Once you’ve got your group, start a quote to get an accurate view of the premium you’re likely to pay.

Little red car

Car insurance groups explained

There are 50 car insurance groups and the higher the group, the higher your car insurance premium is likely to be. This tends to be because they're top of the range models, those that would be expensive to replace or repair, or are targeted by thieves.

So, generally speaking, if your vehicle’s in one of the lower groups for cars you’ll pay a lower premium. This is something to bear in mind when you’re in the market for a new car and looking to save pennies.

But how many of us actually know what car insurance group our car is in? And if you’re looking for a new car, wouldn’t it be great to find out the group before you bought it?
This is where our car insurance group checker comes in. Using data from Thatcham, the motor insurers’ automotive research centre, our tool can show you what group the majority of cars on the road are in. If the car you’re looking for doesn’t show up, it’s best to do a quote to get a good idea of what your premium could be.

Just input your car’s details, or one you’re looking to buy, and you can find out its group.

How do they come up with the ratings?

You might think that cars in the highest car insurance groups are the super-charged Lamborghinis and Rolls-Royces of this world. But think again! These days, even the humble small car can have just as many expensive add-ons as its larger counterparts (think touch-control air conditioning and fiddly-to-repair computer systems) and that makes insurance claims potentially just as expensive to meet.

And sadly for 4x4 drivers, the insurance groups for cars now take into account the weight of a car. So cars that fall into the lower categories tend to be cheaper, low-specification models with smaller engines.

Car and van insurance groups are compiled pretty scientifically. Insurance bodies, the ABI and Thatcham create a central list of cars that individual insurers access. These involve all sorts of clever calculations, but the main areas that are looked at for every UK car model are…

What can you do if your car is in a higher insurance group?

If you find out that your car is in one of the more expensive car insurance groups, there should still be ways of trying to bring down the cost of your premiums.

First, do a car insurance comparison to get a good idea of prices from a wide range of providers. You’ll get to a page full of quotes and it can be quite easy to see how different factors might bring the cost down. For example, you might be able to put in a higher voluntary excess, which usually reduces car insurance quotes a bit. In the event you do have to make a claim, just remember you will have to pay both the compulsory and voluntary excess, so make sure you can afford any excess you choose should you need it.

You can also check whether certain features are included. 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 that this makes the prices cheaper.

Can I do anything to the car to make my prices cheaper?

You could add some security-enhancing features such as an immobiliser, steering lock or an approved alarm system. Your provider may take this into account and could adjust your premiums accordingly.

Another option to consider is black box insurance, or ‘telematics’. This involves a provider putting a piece of technology in your car to measure how you drive – your speed, how far you drive, what sorts of times of day etc. If you use the car sensibly and carefully you could be rewarded with cheaper premiums.

Any other tips or tricks I could try?

It often brings down your car insurance quote if you include an experienced named driver on your policy but they have to use the car.  You should also aim to store it off the road, ideally in a locked garage. Reducing the mileage you do in the car could make the price cheaper too. 10,000 to 15,000 miles a year is pretty average so if you drive a lot more than that it could be costing you extra.

Start comparing

Once you’ve got the results, why not start a car insurance quote to see if you can get a better deal? There are a whole range of other factors that lead to your final premium so your group isn’t the only factor that will dictate how much you end up paying!

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