Insurance groups..........?

If 2 different cars are in the same insurance group, would the insurance for
them be the same, provided all other details are the same?

What if the two different cars have different engines, but are still in the
same group?

I know age of car makes a difference, but how much? Is it better (with
regard to money) to buy a slightly newer car as the insurance would be
cheaper, or is it better to save money on the car & pay that little extra on
insurance?

 

It might be, but probably not.

As above.

That's up to you.

Insurance groups are for guidance, not set in stone. One underwriter may
have had a bad experience of a certain model. Perhaps they didn't rate the
Peugeot 205 very highly and lots of people crashed 205 GTIs, this _may_ feed
through into the 205 today, or the 206, or whatever.

 

All the info you need is available here

http://www.abi.org.uk/carinsurance/download.asp

Jim

 

If 2 different cars are in the same insurance group, would the

Sometimes.
Sometimes not.

Insurance groups are just a guide. The calculations that are actually
used by the insurance companys just involve flipping coins, then adding
and multiplying lots of random numbers.

Sometimes nothing.
Sometimes £10.
Sometimes £1000.

Sometimes.
Sometime not.

Only you can answer that one, no one else knows what is right for *your*
needs.


Lots of vague answers there, but your questions are all too vague to
have any substantial ones.

 

I went from a 1.2 Clio to a 1.7 Volvo 440. Bigger car, faster, nicer to
drive, same age, higher group.

Yet it had much cheaper insurance...

 

Not much, usually.

I've found that middling cars are slightly cheaper if older.
'Second' cars which get passed down from mothers to sons might get
more expensive to insure as they got older. 'Performance' cars and large
estates may do as well.

You are presumably looking at a Pug; 306 seemed to be the best value.

 

I assume different company?

Jim

 

I went from a 1.2 Clio to a 1.7 Volvo 440. Bigger car, faster,

Why would you assume something like that ?

 

Because if it was the same company it would be most unusual. Higher
group - higher risk.

Jim

 

In

I went from a Sapphire Cosworth to a Delta Integrale a few years ago and
even though the Lancia was two groups lower than the Sierra to insure, it
cost me £200 quid more.


--
Pete M

Range Rover Vogue SE, Ford Capri (ressurection stalling)
Porsche 911 3.2 (For Sale)

COSOC #5
Scouse Git extraordinaire. Liverpool, Great Britain

 

With the same company?

Jim

 

In

Yes. Liverpool Victoria IIRC.

Happened to me a few times now.

This year, for example.

Sierra Ghia V6 4x4 Estate > Mercedes 260E > Golf Clipper Cabriolet > Range
Rover Vogue SE.

Discounting the £15.00 "admin fee", each one of these has cost more to
insure than the last, even though they're all a cheaper group to insure than
the V6 Sierra I started out with.


--
Pete M

Range Rover Vogue SE, Ford Capri (ressurection stalling)
Porsche 911 3.2 (For Sale)

COSOC #5
Scouse Git extraordinaire. Liverpool, Great Britain

 

Had your cicumstances changed - post code, points etc?

Jim

 

In

Nope, everything is the same.

I thought they were taking the piss putting the price up for the Golf after
the Merc though.


--
Pete M

Range Rover Vogue SE, Ford Capri (ressurection stalling)
Porsche 911 3.2 (For Sale)

COSOC #5
Scouse Git extraordinaire. Liverpool, Great Britain

 

Nope, switched the remainder of the policy to the Volvo. After they took off
the £15 admin fee, they also (unexpectedly!) refunded me another £30...

 

I assumed wrongly then Thanks for the info.

Jim

 

I went from a 1.2 Clio to a 1.7 Volvo 440. Bigger car,

That's exactly the point, no it's not "most unusual" at all - it's very
normal indeed.

Doesn't work like that.

Insurance groups are a tiny factor in deciding how much the premium on
your car is. For the most part, it would be fair to say that they are
completely meaningless.