Typical insurance cost by car group

[farrendahl]

deveng said:

ok, my dad is a middle aged man, he pays £300 for his group 8 car, his previous car (group 3) was £300

Now how does that help?

by this logic all insurance for a middle aged man is £300.

My uncle is also middle aged, he too runs a group 8 car and pays £200, his previous car a group 1 was £260.
My house mate, middle aged, running a group 6 car, pays £400, previous car group 15, £375
My brother in law, middle aged, running a group 4 car, pays £500, previous car group 9, £500

There you go, six examples, please show me the pattern or super secret group base rate code. As has been mentioned, we're not trying to be arsey, we're just giving you the honest answers.

[-Pete-]

Slinky said:

You could always just run a bunch of quotes on aggregator sites, changing only the vehicle each time.. (grab some VRMs and hit confused.com)

Yes, this, exactly. Has anyone done it? I just wanted to see if anyone on PH could save me some time.

A few years ago Octane Magazine did a special edition called Classic Sports Car Buying Guide, and in it were 'typical' quotes for the 38 cars from Footman James. The value of the car and excess were representative of what each car would cost, if I can find it I might look up the more modern cars and type the value/cost/excess/IG's into this thread.

[Engineer1]

42,

it is that complex a question, one insurer might like your area but dislike 2 seat sports cars, another my hate your area but love 2 seat sport cars. The only way to get any idea is to run up your short list of cars then get some real quotes, also what holds this month may be different next month when a raft of BMW's have been stolen or repair costs for Daihatsus go up.

[ZOLLAR]

-Pete- said:

es, this, exactly. Has anyone done it? I just wanted to see if anyone on PH could save me some time.

A few years ago Octane Magazine did a special edition called Classic Sports Car Buying Guide, and in it were 'typical' quotes for the 38 cars from Footman James. The value of the car and excess were representative of what each car would cost, if I can find it I might look up the more modern cars and type the value/cost/excess/IG's into this thread.

How could they save you time they don't have your personal details only you can do it

[Sgwilliams]

that age group its £10,000 (without a list of other factors)

[-Pete-]

farrendahl said:

My uncle is also middle aged, he too runs a group 8 car and pays £200, his previous car a group 1 was £260.
My house mate, middle aged, running a group 6 car, pays £400, previous car group 15, £375
My brother in law, middle aged, running a group 4 car, pays £500, previous car group 9, £500

There you go, six examples, please show me the pattern or super secret group base rate code. As has been mentioned, we're not trying to be arsey, we're just giving you the honest answers.

I said for an individual, not various people of different age living in different locations with different driving history.

OK, I'll go look for that magazine...

[Shaw Tarse]

-Pete- said:

farrendahl said:

My uncle is also middle aged, he too runs a group 8 car and pays £200, his previous car a group 1 was £260.
My house mate, middle aged, running a group 6 car, pays £400, previous car group 15, £375
My brother in law, middle aged, running a group 4 car, pays £500, previous car group 9, £500

There you go, six examples, please show me the pattern or super secret group base rate code. As has been mentioned, we're not trying to be arsey, we're just giving you the honest answers.

I said for an individual, not various people of different age living in different locations with different driving history.

OK, I'll go look for that magazine...

Try Top Gear, they had huge variations on the same car.

[farrendahl]

-Pete- said:

I said for an individual, not various people of different age living in different locations with different driving history.

OK, I'll go look for that magazine...

Actually they all live in the same postcode and have all held full licences for 32 years and are born within 6 months of each other, but that is actually besides the point.

The point is if you look at the two prices for each person (in all cases the cars have been owned in the same policy year), with each of them being very different cars, there is no rhyme or reason for how it works, you also should listen to ZOLLAR on this one, he works in the industry after all, if anybody has got a grip on it, it's him.

[Sgwilliams]

farrendahl said:

Actually they all live in the same postcode and have all held full licences for 32 years and are born within 6 months of each other, but that is actually besides the point.

The point is if you look at the two prices for each person (in all cases the cars have been owned in the same policy year), with each of them being very different cars, there is no rhyme or reason for how it works, you also should listen to ZOLLAR on this one, he works in the industry after all, if anybody has got a grip on it, it's him.

+1

and anyone else who gives you an indepth answer to sense questions as they normally work for insurance companies

[farrendahl]

Sgwilliams said:

+1

and anyone else who gives you an indepth answer to sense questions as they normally work for insurance companies

What he said, how many Admiralites are there on this site lol I'm going to have to ask for you by name come June when my renewal is up lol

[ZOLLAR]

farrendahl said:

Sgwilliams said:

+1

and anyone else who gives you an indepth answer to sense questions as they normally work for insurance companies

What he said, how many Admiralites are there on this site lol I'm going to have to ask for you by name come June when my renewal is up lol

Well we're the only 2 that post, I'm pretty sure there are alot of lurkers..

[-Pete-]

I found it, here are some of the newer models. I assume these are best case, I started to look up the insurance groups, it's a bit of a pain as I don't have a Parker's Guide:

1990 Elan £8,000 £100xs £222 IG 15-16
1997 Elise £10,000 £100xs £300 IG 17-20
1980 Lotus7 1600 £12,000 £250xs £143 IG 20
1992 MX5 £5,000 £100xs £185 oh
1993 MGRV8 £13,000 £100xs £230 ok
1986 MR2 £3,000 £50xs £113 I
1980 TR7 £2,500 £50xs £92 see
1981 Tasmin £1,800 £50xs £99 what
1994 Chim £11,000 £150xs £303 you
2001 VX220 £10,000 £250xs £273 mean



Ok, time to gocompare a load of potential cars.

[Shaw Tarse]

-Pete- said:

I found it, here are some of the newer models. I assume these are best case, I started to look up the insurance groups, it's a bit of a pain as I don't have a Parker's Guide:

1990 Elan £8,000 £100xs £222 IG 15-16
1997 Elise £10,000 £100xs £300 IG 17-20
1980 Lotus7 1600 £12,000 £250xs £143 IG 20
1992 MX5 £5,000 £100xs £185 oh
1993 MGRV8 £13,000 £100xs £230 ok
1986 MR2 £3,000 £50xs £113 I
1980 TR7 £2,500 £50xs £92 see
1981 Tasmin £1,800 £50xs £99 what
1994 Chim £11,000 £150xs £303 you
2001 VX220 £10,000 £250xs £273 mean



Ok, time to gocompare a load of potential cars.

OK, try that now, then run the same data this time next week!

[carmonk]

I assume when people say group 20 they don't mean that in the new groupings, which go to 50?

In any case, it seems to make little or no difference in my experience, with a few quid separating a Clio from a Ferrari.