Please Explain

Soldato
Joined
27 Mar 2004
Posts
3,589
Location
England
Could somebody please explain how insurance companies group vehicles?

I'm sitting here totally baffled at why a 1.7 Puma is insurance group 13?

My Saxo is faster than a Puma and it's 6 places lower down the insurance ranks.

Is there something I am missing with these Puma's? Like they are supercharged :p
 
hardc0re_tid said:
bigger car, bigger engine

Plus insurance "groupings" dont have an insane bearing on insurance premiums. I drive a group 14 car at 18 and pay less than most of my mates.
Plus many more VTR's are wrapped round trees a year than many other cars - hence the increase in cover price - seems to be all about statistics.
 
It costs considerably more to fix which is a major factor, plus the puma is probably statistically a safer car when hitting others.

Nowt to do with some notional speed.
 
jackoh said:
Plus insurance "groupings" dont have an insane bearing on insurance premiums. I drive a group 14 car at 18 and pay less than most of my mates.
Plus many more VTR's are wrapped round trees a year than many other cars - hence the increase in cover price.

Problem I am finding is, nobody will touch me until I am 21 because it's above group 10. :eek:
 
Buttons said:
It costs considerably more to fix which is a major factor, plus the puma is probably statistically a safer car when hitting others.

Nowt to do with some notional speed.

Would that not make a faster Saxo with it's 2* ncap higher in insurance groups?

Take a C2 VTS for instance, insurance group 8, 130bhp (or round that figure) 0-60 8 secs, 5* Ncap.......insurance gp 8.
 
digitalwolf said:
On admiral, I get £1600 tpft for a Saxo VTS.

I get £1900 F/C for a Puma.

Morethan, Endsleigh, NUD say come back later :rolleyes:

Sounds steep, how old are you/what ncb do you have?
 
digitalwolf said:
Problem I am finding is, nobody will touch me until I am 21 because it's above group 10. :eek:


try directline, they have no problem insuring me @ 18 on a group 16 car....with a Manchester postcode!
 
jackoh said:
Yeah im with elephant on a group 14 car, 0ncb, 1 accident declared. 18 y/o. £1400.


Hmm just tried a quote with elephant, identical details....directline £1550, elephant £3303 O_O
 
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