If 2 different cars are in the same insurance group, would the insurance for them be the same, provided all other details are the same?
What if the two different cars have different engines, but are still in the same group?
I know age of car makes a difference, but how much? Is it better (with regard to money) to buy a slightly newer car as the insurance would be cheaper, or is it better to save money on the car & pay that little extra on insurance?
It might be, but probably not.
As above.
That's up to you.
Insurance groups are for guidance, not set in stone. One underwriter may have had a bad experience of a certain model. Perhaps they didn't rate the Peugeot 205 very highly and lots of people crashed 205 GTIs, this _may_ feed through into the 205 today, or the 206, or whatever.
All the info you need is available here
Sometimes. Sometimes not.
Insurance groups are just a guide. The calculations that are actually=20 used by the insurance companys just involve flipping coins, then adding=20 and multiplying lots of random numbers.
Sometimes nothing. Sometimes =A310. Sometimes =A31000.
Sometimes. Sometime not.
Only you can answer that one, no one else knows what is right for *your*=20 needs.
Lots of vague answers there, but your questions are all too vague to=20 have any substantial ones.
--=20 Lordy.UK
I went from a 1.2 Clio to a 1.7 Volvo 440. Bigger car, faster, nicer to drive, same age, higher group.
Yet it had much cheaper insurance...
Not much, usually.
I've found that middling cars are slightly cheaper if older. 'Second' cars which get passed down from mothers to sons might get more expensive to insure as they got older. 'Performance' cars and large estates may do as well.
You are presumably looking at a Pug; 306 seemed to be the best value.
I assume different company?
Jim
Why would you assume something like that ?
Because if it was the same company it would be most unusual. Higher group - higher risk.
Jim
In news: snipped-for-privacy@News.Individual.NET, Jim Mason decided to enlighten our sheltered souls with a rant as follows
I went from a Sapphire Cosworth to a Delta Integrale a few years ago and even though the Lancia was two groups lower than the Sierra to insure, it cost me £200 quid more.
=20
With the same company?
Jim
In news: snipped-for-privacy@News.Individual.NET, Jim Mason decided to enlighten our sheltered souls with a rant as follows
Yes. Liverpool Victoria IIRC.
Happened to me a few times now.
This year, for example.
Sierra Ghia V6 4x4 Estate > Mercedes 260E > Golf Clipper Cabriolet > Range Rover Vogue SE.
Discounting the £15.00 "admin fee", each one of these has cost more to insure than the last, even though they're all a cheaper group to insure than the V6 Sierra I started out with.
=20
Had your cicumstances changed - post code, points etc?
Jim
In news: snipped-for-privacy@News.Individual.NET, Jim Mason decided to enlighten our sheltered souls with a rant as follows
Nope, everything is the same.
I thought they were taking the piss putting the price up for the Golf after the Merc though.
Nope, switched the remainder of the policy to the Volvo. After they took off the £15 admin fee, they also (unexpectedly!) refunded me another £30...
I assumed wrongly then :-) Thanks for the info.
Jim
That's exactly the point, no it's not "most unusual" at all - it's very normal indeed.
Doesn't work like that.
Insurance groups are a tiny factor in deciding how much the premium on your car is. For the most part, it would be fair to say that they are completely meaningless.
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