Car insurance groups explained: look beyond the number
Two used hatchbacks with similar asking prices can produce quite different insurance quotes. Checking their insurance groups helps explain the difference, but choosing the lower number is only part of the buying decision. A useful comparison brings together the exact vehicle, your circumstances and the cover offered. That gives you a firmer basis for budgeting than a group rating alone. The established UK insurance-group scale runs from 1 to 50. Lower groups generally suggest cheaper cover, while higher groups indicate greater potential costs or risks for an insurer. The rating assesses the vehicle rather than providing a personalised price: your premium also reflects who drives it, how it is used and the policy you choose. Used cars on finance have to fit a budget that covers insurance, fuel and maintenance as well as repayments. Obtaining quotes while you are still comparing vehicles…
