Car Insurance Group

Looking for a new car but confused about car insurance groups? Don’t worry – we’ve got everything you need to know!

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What are car insurance groups?

To get an accurate impression of how expensive a car will be to insure, every car in the UK is grouped between 1 and 50 - 1 being the cheapest and 50 being the most expensive to insure.

When you’re buying and insuring a car, insurers take numerous factors into consideration when calculation your car insurance premium – one of the most significant ones being the model of the car you’re insuring. Simply put, some cars are more expensive to insure than others.

So how do you know how expensive your chosen car will be to insure? Well in many cases, you can probably make a good guess. Insurers base their calculations on risk – the more likely you are to claim, the higher your insurance premium. To get a better idea - a Ferrari could be rated around insurance group 50, whereas a Fiat Panda can be a low as group 3.

What insurance group does my car fit into?

It’s worth checking the insurance group of the car you’re looking to buy, before parting with your hard earned cash to make sure you’re able to afford the insurance on it too. 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.

Why should new drivers choose a car in a low insurance group?

It’s a well-known fact that the cost of insurance for young or inexperienced drivers can be expensive. Choosing a car that is in a low insurance group is a great way to make those all-important insurance costs a bit more manageable.

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How do insurance groups work?

Insurance groups are decided upon by the Group Rating Panel, which is made up of insurance industry experts. 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

What cars in low insurance groups are 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!
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