Car Insurance groups

"Insurance Groups" - Let's face it, it's a topic that holds little interest for most people, until you start looking to insure or buy a new car! We can't promise to make the subject much more entertaining than it sounds, but we hope it will give you a better understanding of how insurance groups work and affect the price you pay for your insurance.

What are car insurance groups?

car insurance groups

When you're buying and insuring a car, Insurers take numerous factors into consideration when calculating your car insurance premium but one of the most significant is likely to be the car model you're insuring. Put simply, some cars are more expensive to insure than others.

So how do you know how expensive your chosen car will be to insure? In many cases you can probably make a fairly good guess. Insurers base their calculations on risk, so essentially the more likely they think you are to make a claim the higher your insurance premiums will be.

So if you're insuring a sports car (more likely to be involved in a crash) or a particularly desirable model (more likely to be stolen) you can probably expect high premiums. For these reasons, a Ferrari is always likely to be more expensive to insure than a Fiat.

To get a more accurate impression of how expensive a car will be to insure it's also worth checking to see what its insurance group is. There are 50 insurance groups and the higher your car's grouping is the more expensive it will be to insure. So, using the same comparison as above, every Ferrari on the market is currently rated in insurance group 50 whereas a Fiat Panda can be as low as group 3.

How do insurance groups work and how do they affect me as a young driver?

Insurance groups are decided upon by the Group Rating Panel, which is made up of insurance industry experts who have grouped every car on the UK market between insurance group 1 and 50. These groupings are designed to indicate every car's relative insurance cost, with group 1 being the cheapest and group 50 being the most expensive.

The Group Rating Panel use research from Thatcham, who are an independent testing company, to assess cars according to the following criteria:

  • The car's price
  • The car's performance (including factors like image, top speed and 0 to 60 performance)
  • Repair costs
  • Availability and price of body shell
  • Price of parts

All these factors build a picture of a car's "damage-ability" and "repair-ability" which helps the panel decide what level or risk it represents to insurers. They then allocate an Insurance Group number to each car – so the lower the risk and cost to repair, the lower the insurance group – an vice versa!

Given the higher cost that you will already face as a young driver, it's generally a good idea to choose a car that has a fairly low insurance group rating if you want to keep your insurance costs at an affordable level. You may want to choose a model that's cheaper, not particularly sporty and relatively affordable to repair, as it's more likely to fit into a lower insurance group.

What insurance group does my car fit into?

Thatcham provide a search facility on their website. It's a free service, you'll just need to follow their instructions to register and log in.

Which insurance groups does Marmalade cover?

We're delighted to make our Learner Driver Insurance available for all cars up to insurance group 32 and £30k in value. This means that most family cars will qualify and only cars that are regarded as higher risk (such as sports cars) will be ineligible.

Student Driver Insurance is available on all cars up to group 32. Again this includes most small and family cars that are not considered high risk.

We don't set an insurance group limit on our New Driver Insurance, however we only insure cars up to 25 years old (because they're safer).

Which insurance groups are cars offered by Marmalade?

We've hand-picked a huge range of cars from leading manufacturers which are suitable for young drivers. These tend to be at the lower end of the spectrum in terms of risk and Insurance Group – making those all-important insurance costs more manageable.

With Marmalade's Cars for Young Drivers offer, you can take advantage of 12 months FREE* insurance, or an insurance contribution!

Our top selling cars are grouped as follows:

  1. Vauxhall Adam – Group 2 to 15
  2. Vauxhall Corsa – Group 2 to 21
  3. Fiat 500 – Group 5 to 18
  4. Ford Fiesta – Group 9 to 17
  5. Skoda Fabia – Group 2 to 18
  6. Peugeot 108 – Group 1 to 12