Check your car insurance group
How insurance groups affect your car insurance premium
Cars are assigned to one of fifty insurance groups by the Group Rating Panel, which bases groupings mainly on research conducted by the Motor Insurance Repair Research Centre (Thatcham).
The factors used to calculate group ratings are as follows:
- Damage and parts costs
- Repair times
- Value
- Availability of body shells
- Performance
- Security
However, not all car insurers choose to use the groups set by the panel, with some opting to set their own groupings instead.
Whichever set of insurance groups an insurer works to, you'll typically find that cars in lower insurance groups attract a cheaper premium. Cars in higher insurance groups attract a more expensive premium, usually because they are high performance models or prestige cars that have high repair or replacement costs.
What type of driver are you?
Whether you’re a young driver or an experienced motorist, or whether you like fast cars or classic cars, Gocompare.com can help you find the car insurance policy that’s right for you. Read more about the different types of driver that can find a great deal by using Gocompare.com:
- Women's car insurance
- Classic car insurance
- Performance car insurance
- Young drivers' insurance
- Modified car insurance
- Learner and new drivers' insurance
Check your insurance group
Check car insurance groups with Gocompare.com.
