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Author New insurance groupings READDDD!!!
jay kay
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Registered: 22nd Jan 06
Location: West Midlands
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11th Mar 07 at 18:17   View User's Profile U2U Member Reply With Quote

Taken from auto express

INSURERS WEIGH UP PREMIUMS

Drive a heavy car and you could soon be hit with a heft premium. Thats the message from the industry, which is including vehicle weight in new group ratings for the first time.

Used to calculate the cost of motorists' cover, the standings are getting thier first overhaul for 15 years. The Association of British Insurers (ABI) says that the extra premiums are needed on because they cause more damage to the road, pedestrians and other motors when involved in accidents contributing to the rising cost of claims.

The shake-up which has also been prompted by a massive increase in the range of new vehicles and parts, is set to bump up the number of insurance groups from 20 to 50. An ABI spokesman said: " the wider number of ratings will give cover providers more scope to fine tunes quotes in order to better reflect modern vehicles and thier actual risk on te road."


But the Association of British Drivers countered " this is simply an excuse to increase premiums" Insurers claimed it was too early to predict exactly how much prices would rise, as the new groupings will not come into effect for another six months.

Examples of insurance group changes :

Mini Cooper group now ---- 8 New group ---- 21
Ford Focus TDCI group now ---7 new group --- 15

DISCUSS!!

I cannot see why they feel the need to increase the group by such a large amount and make people pay more when the risk remains the same




[Edited on 11-03-2007 by jay kay]
Marc
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Registered: 11th Aug 02
Location: York
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11th Mar 07 at 18:22   View User's Profile U2U Member Reply With Quote

Eh? Group 21
drunkenfool
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Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
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11th Mar 07 at 18:23   View User's Profile U2U Member Reply With Quote

if theres 50 groups instead of 20 then the two examples above wont be more expensive will they? Unless group 20 of the new way is the same cost as group 20 of now, which would be ridiculous!
Ste L
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Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
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11th Mar 07 at 18:23   View User's Profile U2U Member Reply With Quote

so does that mean if you strip you car out, insurance will be cheaper because it;s lighter
drunkenfool
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Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
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11th Mar 07 at 18:24   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ste L
so does that mean if you strip you car out, insurance will be cheaper because it;s lighter


Good point!
GT4Brody
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Registered: 26th Sep 01
Location: south
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11th Mar 07 at 18:26   View User's Profile U2U Member Reply With Quote

as if we dont get raped enough for insurance
mattk
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Registered: 27th Feb 06
Location: St. Helens
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11th Mar 07 at 18:26   View User's Profile U2U Member Reply With Quote

saxo driver - Get In
jr
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Registered: 20th May 02
Location: Kent
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11th Mar 07 at 18:27   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by drunkenfool
quote:
Originally posted by Ste L
so does that mean if you strip you car out, insurance will be cheaper because it;s lighter


Good point!


brillaint
dhdev
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Registered: 22nd Dec 05
Location: Midlands
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11th Mar 07 at 18:34   View User's Profile U2U Member Reply With Quote

Sweet group 1 insurance here I come
Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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11th Mar 07 at 18:37   View Garage View User's Profile U2U Member Reply With Quote

Insurance groups mean FA anyway

Tesco use their own system, from 1-99 IIRC.
ed
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Registered: 10th Sep 03
Location: Northampton Drives: Fiat 500/Porsche Boxster
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11th Mar 07 at 18:38   View User's Profile U2U Member Reply With Quote

Sounds about right. The system could do with a bit of an overhaul seeing as it's 15 years old...
dhdev
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Registered: 22nd Dec 05
Location: Midlands
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11th Mar 07 at 18:39   View User's Profile U2U Member Reply With Quote

Yeah as soon as they ask 'Any modifications?' what ins group it was in has no bearing on the quote
baza31
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Registered: 19th Apr 03
Location: yorkshire
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11th Mar 07 at 18:40   View User's Profile U2U Member Reply With Quote

excellent- ill be able to insure a lotus elise cheaper than my astra. Excellent. Nob heads...trying to get more money out of everyone for everything.
Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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11th Mar 07 at 18:43   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Robbo
WHYYYYYYYYYY I didn't know that!

PS Auto Express is like the max power of the real cars world, full of absolute nonsencial bollocks reviews and fake gossip!!!
Fonz
Premium Member

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Registered: 12th May 06
Location: Newbury, Berks
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11th Mar 07 at 19:05   View Garage View User's Profile U2U Member Reply With Quote

excuse me for being untrusting but where is the article?
Auto Express i can't find it...
Colin
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Registered: 4th Apr 02
Location: Drives a hire car
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11th Mar 07 at 19:19   View User's Profile U2U Member Reply With Quote

http://www.abi.org.uk/Newsreleases/viewNewsRelease.asp?nrid=14226
Colin
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Registered: 4th Apr 02
Location: Drives a hire car
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11th Mar 07 at 19:22   View User's Profile U2U Member Reply With Quote

Check your car's new rating here
ed
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Registered: 10th Sep 03
Location: Northampton Drives: Fiat 500/Porsche Boxster
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11th Mar 07 at 19:28   View User's Profile U2U Member Reply With Quote

Oh no, my Punto has moved from Group 4 to 12. (Even)

[Edited on 11-03-2007 by ed]
EarlofBarnet
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Registered: 26th Mar 04
Location: West Cumbria
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11th Mar 07 at 19:54   View User's Profile U2U Member Reply With Quote

Mine hasn't been re-classified! Not sure if its because its too old (1994)?

I think its all been done to help classify cars that are all under the current group 20 umbrella. A lad at my work has an Evo8 which is now a 20, it jumps to a 44 under the new scheme. So in theory it might be cheaper to insure...maybe.
Doug
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Registered: 8th Oct 03
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11th Mar 07 at 19:58   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by mattk
saxo driver - Get In


BMW driver - Shit
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
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11th Mar 07 at 20:09   View Garage View User's Profile U2U Member Reply With Quote

VAUXHALL MONARO VXR V8
5967cc
2005
Petrol Manual
48




Corsa B lap belts required
Doug
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Registered: 8th Oct 03
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11th Mar 07 at 20:11   View User's Profile U2U Member Reply With Quote

I cant find my car on there?!
Ian
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Registered: 28th Aug 99
Location: Liverpool
User status: Online
11th Mar 07 at 20:13   View Garage View User's Profile U2U Member Reply With Quote

In other news...

VAUXHALL CORSA VXR 3 1598cc 2007 3 - Petrol Manual 52078601 16 32 D T2

16 under the old system, 32 on the new.


Corsa B lap belts required
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Online
11th Mar 07 at 20:20   View Garage View User's Profile U2U Member Reply With Quote

Only 11 cars stay in group 1

FIAT PANDA ACTIVE 1108cc 5 door
FIAT PANDA DYNAMIC 1242cc 5 door
FIAT PANDA DYNAMIC 1242cc 5 door
REVA G-WIZ (ELECTRIC) 0cc 3 door
REVA G-WIZ ACD 0cc 3 door
SKODA FABIA CLASSIC 997cc 5 door
TOYOTA AYGO 998cc 3 door
TOYOTA AYGO 998cc 5 door
VAUXHALL CORSA EXPRESSION 998cc 3 door
VOLKSWAGEN FOX 1198cc 3 door
VOLKSWAGEN FOX URBAN 1198cc 3 door


Corsa B lap belts required
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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11th Mar 07 at 20:22   View Garage View User's Profile U2U Member Reply With Quote


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