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Car Insurance Groups Guide

How insurance groups can affect your premiums

Each individual car make and model belongs to a different car insurance group and what group your car falls in to will affect the overall price of your car insurance. Knowing about car insurance groups and how they work can help you when it comes to picking your policy.

What are car insurance groups?

 

Every type of car is put into 1 of 50 different car insurance groups, with group 1 being the cheapest to insure while group 50 has the most expensive cars to insure in it. There are a few different things which are used to decide what car insurance group a car should go into, such as the price, power and rarity of the car.

What do car insurance groups do?

 

Car insurance groups will be factored into the calculations done by a provider to decide how much your premiums will be. The grouping is decided on by a dedicated research institution. used by car insurance firms, to ensure everyone is on the same page. Looking into car insurance groups when buying a new car can help you get lower premiums if you’re worried about things getting too expensive.

What affects car insurance groups?

 

The group rating system is decided by a panel of members from the Association of British Insurers (ABI) and Lloyds Market Association (LMA), who review each car model on release against a set of criteria. Depending on how a car scores within this criteria, it is allocated a group which best represents its specifications. These criteria include:

 

  • The value of the car when bought brand new
  • Likelihood of damage and cost to repair each part
  • Length of time it would take to repair
  • Performance (top speeds, acceleration, etc.)
  • The safety features and overall safety rating of the car
  • The security features and security of the vehicle overall
  • Bumper compatibility in line with a provider's criteria for lower insurance premiums

Top Car Insurance FAQs:

What's the best car insurance for you?

Finding the right car insurance for you and your wheels can be complicated because there’s so much choice out there. With Asda we do the shopping for you and help you compare quotes from some of the UK’s leading providers so you don’t have to.

All you need to do is pick the policy and price that’s right for you.

  • All levels of cover for your car:
  • Comprehensive
  • Third Party, Fire and Theft
  • Third Party Only
  • Social
  • Business cover
  • Black Box (Telematics)
  • Learner Driver policies
  • And much more!
How to get cheap car insurance quotes with Asda

Getting cheap car insurance quotes with Asda has never been simpler and you can get covered in minutes.

All you need to do is complete a number of simple questions about you, the car you’re looking to insure and your driving history.

You’ll be asked very basic questions like your name, address and date of birth, as well as questions about how long you’ve been driving and the number of no claims bonus (NCB) you have.

From there you’ll need to complete some questions about the car insurance cover you want and then we do the hard work.

What happens when you compare car insurance with Asda?

When you compare car insurance, your details are run through the various car insurance providers on the panel.

Over 60 of the UK’s leading providers, including the likes of AXA, Hastings and Swinton, will return the cheapest quotes they have to offer.

You'll see your quotes, starting with the cheapest first, and you’ll also be able to see prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies.

At that point it’s up to you to select the quote and cover you want!

What are your levels of car insurance cover?

When you compare quotes you’ll automatically see all three levels of cover when your quotes display but car insurance is a little more complicated than Comprehensive, Third Party, Fire and Theft or Third Party Only.

If you want a Telematics (Black Box) policy, one that covers you for work or social only, you can still compare quotes and get covered with Asda.