Insurance Groups
|
|
|
FEATURED ARTICLE: Tips to Get a Better Price on Your Insurance
NEWS FLASH! – The Shocking Truth About Insurance Comparison Websites!
Welcome to InsuranceGroups.org.uk your FREE online insurance guide to car insurance, motorbike insurance, scooter & moped insurance, van insurance & commercial vehicle insurance.
We’ll also bring you details of a variety of car insurance, bike insurance, and van insurance, with recommended insurance companies, car insurance comparison sites, motorbike insurance & car insurance that allows you to pay as you go, plus tips and other methods of obtaining a lower insurance premium to save you money, no matter what your background is.
We also have information for obtaining the cheapest insurance for lady, young, and learner drivers, & over 50’s motorists, since auto insurance for people falling into these groups can often be disproportionately high.
You’ll find all of your auto insurance needs at InsuranceGroups.org.uk so please feel free to explore the site.
Insurance Costs
Much of the cost of your car insurance will come down to the insurance group of your vehicle.
All cars have an Insurance Group Rating that insurance companies use to calculate premiums. The groups are determined by the Group Rating Panel, but these ratings are purely advisory & insurance companies can ignore these recommendations and use their own Insurance Group ratings.
There are currently 20 different car Insurance Groups in the UK, each car belonging to an insurance group from 1 and 20. Cars in the lower groups (usually smaller cars with smaller engines like the Vauxhall Corsa) are considered lower insurance risks, & consequently attract lower premiums.
Cars in higher insurance groups are considered to be a higher insurance risk and they obviously cost more – sometimes much more – to insure. The kinds of cars in the highest group are usually high performance & high value cars like the Ferrari or Porsche. Most average family cars are between insurance groups 6 and 12.
The main factors considered to calculate car insurance costs are the costs of spares & repairs since this is where a large part of an insurance companies claims go.
Repair times are also a major consideration since labour is expensive & hence longer repair times cost more money, and add to the premium for vehicle insurance.
Foreign, exotic, & modified cars will generally also be assigned to higher insurance groups.
New car prices also impact the insurance groups & cost of car insurance, as does the ability or performance of the car, since the faster it can go the more likely it is to be involved in an insurance claim.
Security features that are fitted as standard can reduce car insurance costs since these features help to reduce theft & crime related incidents involving that make of vehicle.
There are many other factors that may impact on the insurance groups of vehicles which can have a dramatic effect on the cost of insurance, even the type of paint or finish can have an effect on the cost of insurance.
The bottom line is to make sure that you are fully aware which insurance group any vehicle belongs to prior to buying it, otherwise your car insurance, van insurance, or bike insurance may cost a lot more then you bargained for!
Van Insurance
Van Insurance
Van insurance, sometimes called Commercial Vehicle Insurance or Commercial Van Insurance, permits the policy holder to drive a van up to 3.5tonnes on UK and EU member states highways, it is a legal requirement to have valid van insurance cover to enable you to drive a van on public roads.
Whether you’re self employed or a large company, if vans are vital to your business then you need a reliable van insurance policy that you can be confident of.
 |
 |
 |
 |
Cheapest Van Insurance
Cheapest Van Insurance
|
|
|
|
Although we all like to get a bargain the cheapest van insurance might not necessarily be the right thing for your business. Read more
Compare Van Insurance
Compare Van Insurance
If you’re looking for Cheaper Quotes then finding a website that can compare van insurance is an obvious place to start, using van insurance comparison sites is by far the best way to find cheaper van insurance.
|
|
|
|
Low Cost Van Insurance
Low cost van insurance is wanted by every van owner.
Low cost van insurance doesn’t necessarily mean compromising on quality of cover, if you shop around you can find some really good value deals. Read more
Van Insurance Quote
Make sure that you shop around for the right van insurance quote, since van insurance is extremely competitive and prices fluctuate continuously.
|
|
|
|
Commercial Van Insurance
Commercial Van Insurance
If you use a van for transporting goods or passengers for reward; hiring a vehicle, or use of the vehicle for paid driving instruction, then you need commercial van insurance. Read more
Van Insurance Broker
There are a number of van insurance brokers in the UK providing a range of quotes from different van insurance companies.
|
|
|
|
Van Insurance Company
A Van insurance company provides a specialist product that many car insurance providers do not offer, and so there are lots of independent van insurance companies who cater specifically for the wants and needs of those with a van. Read more
Cheap Van Insurance
Cheap Van Insurance – Should you choose the cheapest van insurance?
So long as you are not cutting corners then there is nothing wrong with opting for cheap van insurance. Read more
