How can I check which insurance group my car is in?

How many of us know what insurance group our car is in? And if you’re looking for a new car, wouldn’t it be great to find out which group it’s in before you buy it? That’s where our car insurance group checker comes in. Using data from Thatcham Research, the motor insurance providers’ automotive research centre, it’s designed to help you understand what group your car is in and what impact this could have on your 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. 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.

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. 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 targeted by thieves. But consider that even today’s humble small car can have just as many expensive add-ons as its larger counterpart (think touch-control air conditioning and fiddly-to-repair computer systems) and that makes insurance claims potentially just as expensive to meet.

Generally speaking, though, if your car is in one of the lower groups you’ll pay a lower premium —something to bear in mind when you’re in the market for a new car and looking to save pennies.

How do insurance companies come up with the ratings?

Insurance bodies, the Association of British Insurers (ABI) and Thatcham Research create a central list of cars that individual insurance providers access. Every UK car model is assessed against the following criteria:

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 with comparethemarket.com to get a good idea of prices from a wide range of providers. You’ll get a list of quotes and it can be quite easy to see how different factors might bring down the cost of your insurance. For example, you might be able to put in a higher voluntary excess. (Just remember, if you do make a claim, you’ll have to pay both the compulsory and voluntary excess, so make sure you can afford the voluntary excess you choose.)

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 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. Just make sure that they actually use the car as you don’t want to be accused of ‘fronting’ – a type of fraud that would make your policy invalid.

Reducing the mileage you do in the car could make the price cheaper too. But remember, you must be truthful as any misrepresentation about the number of miles you drive could invalidate your policy.

Start comparing

Once you’ve got the results, why not start a car insurance quote to see if you could 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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