Please Explain

digitalwolf · 27 Mar 2007 at 14:41

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

hardc0re_tid · 27 Mar 2007 at 14:43

bigger car, bigger engine

digitalwolf · 27 Mar 2007 at 14:44

hardc0re_tid said:
bigger car, bigger engine

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

ruffneck · 27 Mar 2007 at 14:44

costs more to fix/pay for than a saxo?

jackoh · 27 Mar 2007 at 14:44

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.

digitalwolf · 27 Mar 2007 at 14:45

ruffneck said:
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

Buttons · 27 Mar 2007 at 14:45

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.

digitalwolf · 27 Mar 2007 at 14:46

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:

jackoh · 27 Mar 2007 at 14:47

Really, what cars are you quoting on?

digitalwolf · 27 Mar 2007 at 14:48

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 · 27 Mar 2007 at 14:49

jackoh said:
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 :rolleyes:

digitalwolf · 27 Mar 2007 at 14:50

It's like the Fiesta Zetec S also.

Slower than a Saxo VTR, ins gp 9.

jackoh · 27 Mar 2007 at 14:50

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

Sounds steep, how old are you/what ncb do you have?

digitalwolf · 27 Mar 2007 at 14:51

18, Pass +, 1 NCB.

BenjiSayers · 27 Mar 2007 at 14:54

doesnt it take desirability in too account too, id rather steal a puma than a saxo.

rG-tom · 27 Mar 2007 at 14:55

digitalwolf said:
Problem I am finding is, nobody will touch me until I am 21 because it's above group 10.

try directline, they have no problem insuring me @ 18 on a group 16 car....with a Manchester postcode!

jackoh · 27 Mar 2007 at 15:02

Yeah im with elephant on a group 14 car, 0ncb, 1 accident declared. 18 y/o. £1400.

rG-tom · 27 Mar 2007 at 15:11

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

[TW]Fox · 27 Mar 2007 at 15:13

digitalwolf said:
Problem I am finding is, nobody will touch me until I am 21 because it's above group 10.

Load of rubbish. I had a modified Group 12 Mondeo at 19.

jackoh · 27 Mar 2007 at 15:20

rG-tom said:
Hmm just tried a quote with elephant, identical details....directline £1550, elephant £3303 O_O

Postcode?