When you are considering buying a car, the cost of insurance is something you’ll need to consider. You’ll want the best UK Car Insurance for your needs, but you’ll also want to get it at the best possible price – of course! So understanding all the different factors that leading UK Insurance providers use to calculate your Car Insurance premium (the amount you will pay to take out the Car Insurance policy) is a great way to begin to appreciate the likely costs.

What are Car Insurance Groups and How do Insurance Providers Calculate the Cost of a UK Car Insurance Policy?

This is a very simplified explanation, but, to calculate the cost of your UK Car Insurance policy, insurance providers need to estimate how likely you are to need to make a claim on that insurance policy. If they think you are more likely to make a claim, they consider the policy a ‘greater risk’ and will need to charge you more for it to cover the costs they believe that they might incur. To make this estimate of how likely you are to make a claim, insurance providers take into account a number of factors relating to you, your driving history and habits, and the car – or cars – that you wish to insure. When you get a quote for UK Car Insurance, you will be asked for very specific personal details to help the insurance providers understand your driving history and habits – but when it comes to understanding the vehicles, the car insurance industry simplifies the process by assigning every make and model of car to a Car Insurance Group.

What Determines the Insurance Group of a Car?

At the moment in the UK, there are 50 Car Insurance Groups. A Group One car will be the cheapest to insure, and a Group 50 will be the most expensive. If you want to visualise it, a Group One example would be something like a Vauxhall Corsa – whilst at the other end, a Jaguar XE series is likely to be assigned to Car Insurance Group 50.

Motoring and insurance industry experts sit on a panel that assigns each new car to a Car Insurance Group. When they do this, they look at information that is relevant to the cost of paying out on a claim. So they consider things like:

• Market value
• Cost and availability of spare parts and how long and expensive repairs are, on average, for that model
• Safety features that would reduce the risk of collision or accident
• Security equipment that would reduce the chances of theft
• Car build to understand how easily, and how badly, that car might be damaged
• Performance – high performance vehicles tend to be more demanding to drive and capable of greater speeds which can cause more harm.

These, with other factors will contribute to the Car Insurance Group that any car model is assigned to, and that Car Insurance Group will be a factor in the cost of your Insurance policy for driving that car. But Car Insurance Group is just one factor in determining how much you will be quoted for UK Car Insurance. Many other factors relate to your individual circumstances. For this reason, you can only really begin to have a realistic idea of how much a1 car will cost you to insure when you start getting UK Car Insurance quotes that consider, not just the car, but also you and your needs from the policy.

Get a clearer picture of the costs

Compare insurance quotes for a realistic view of your car insurance costs. One form, lots of UK Car Insurance quotes to compare.

Get Car Insurance Quotes

Can I get a UK Car Insurance quote when I don’t know the car’s registration number?

Yes, absolutely you can. If you are looking to buy a car, you may have several makes and/or models in mind and want to understand the likely Car Insurance costs early on. Very sensible of you. With just the car make and model name you will be able to get Car Insurance quotes – and as they will be tailored to your needs and personal information each time, you will get a good picture of the difference in the cost of insuring each different one.

Car Insurance by Make and Model

For UK Car Insurance quotes for a specific make and model, use the following list to find the manufacturer and the model you are interested in, then click through to learn more and get your UK Car Insurance quotes.

Get a clearer picture of the costs

Compare insurance quotes for a realistic view of your car insurance costs. One form, lots of UK Car Insurance quotes to compare.

Get Car Insurance Quotes