Please Explain

[digitalwolf]

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

 

[digitalwolf]

bigger car, bigger engine

It's a Fiesta deep down though....soo same size car?

 

[digitalwolf]

costs more to fix/pay for than a saxo?

I was always under the impression that it cost more to get parts for French cars? Most probably wrong on this though

 

[digitalwolf]

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.

 

[digitalwolf]

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]

Really, what cars are you quoting on?

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

 

[digitalwolf]

It's like the Fiesta Zetec S also.

Slower than a Saxo VTR, ins gp 9.

 

[digitalwolf]

18, Pass +, 1 NCB.

 

[digitalwolf]

I think the reason why it may be a high insurance group, is it does not have an NCAP and is reasonably nippy (1.7).

 

[digitalwolf]

Just tried direct line......come back later