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Your Questions About Car Insurance Groups Uk

August 29, 2013

Nancy asks…

17 just doing my test and have driving disqualification how much will insureance be?

Hello i’m 17 and just about to do my test i have had a driving disqualification which was 6 months long and no points i am just woundering hoe much it is going to cost me to insure a 1.0-1.2 and what car in the uk would be the cheapest to insure thanks alot :) regards Bilal

Administrator answers:

How long is a piece of string. There are so many other factors that will go to make up the premium for your insurance and then with the effect of the disqual on top any estimate on here would be a pure guess. There is so much that you cannot tell us on here.

There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance – these are mainly;
1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers.
2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle
3. The occupation of the policyholder and any named drivers
4. The claims history of any drivers
5. The licence details of drivers (endorsements, length of time held)
6. Where the car is normally kept overnight (is it the policyholders address? On road is more expensive than on a drive which is more expensive than in a locked garage.
7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there – on road or in a car park.
8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements – some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard.
You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on – failing to do that can render it null and void.

Some younger drivers consider putting the car and insurance in a parents name with the parent as a fraudulent main driver and them as an occasional named driver to cut the premiums. This common scam is called “Fronting” and is an illegal act which can get parent and son/daughter into a lot of long lasting expensive troubles.

Most insurers offer a monthly payment scheme and most need about 15% up front to start the cover. The scheme is usually in the form of a loan and so interest is charged – this can be as much as 25% APR. This is usually at rate which is higher than most credit cards even charge so look at other ways to borrow the money to spread the cost if possible as it will be cheaper.

With a few minor differences these are the questions you will be asked before being given a quote. Not having supplied these details on Yahoo Answers, and who would, it is impossible to give a guess of a price for you to within even £1000 for a younger newly qualified driver.

Susan asks…

what would be the cheapest car to insure for a 23 year old malel uk?

Every car i seem to look at has really high insurance costs, it ricockulous! seems ill never be able to afford to insure a car. Si i have 2kids a girlfriend and a job, im 23, and really need to get on the road. so does anyone have any suggestions as to a few cars i should check out insurance costs on that they think would be the cheapest options>? anuy ideas would be fab, thanks.
I should i add i no NCB as i havent passed my test yet, seems pointless when it seems i cant afford to insure one…

Administrator answers:

Anything group 1-3, but it’ll be £3k+, no matter what.

William asks…

what is the difference between the different Volkswagen Golfs?

Anyone know the difference between:


Ive seen a lot but dont really know which ones are good in terms of spec. Can anyone put them in order in terms of the basic model to the top range/spec model??



Administrator answers:

Different trim specs.
It’s doubtful anyone here is going to spend the time researching then copying what would be several pages of information for you.

Have a look at the Parkers website, they’re pretty good for giving all the major differences in spec/engines/insurance group etc.

Mandy asks…

What age restrictions might I run into in Europe?

I am 17 now, and will not turn 18 until the end of August this year. I have made plans to backpack through Dublin, Galway, and Belfast, Ireland; Stranraer, and Edinburgh, Scotland; London, England; and Amsterdam, Netherlands.

What age issues might I run into? Can you offer any advice or words of wisdom?

Administrator answers:

Check the information on the websites of the hostels you want to stay, or contact them if it is not clear, as some hostels have 18 as minimum age to book and check in for solo travelers and for the oldest of a small group.
Forget drinking alcohol in the UK, even with your parents with you you will not be allowed to drink in a pub.
I am not sure about Ireland, but I thought that drinking age is 18 there too.

At 17 you might be able to drive in the UK, but you will not be able to rent a car, and when you borrow a car you can not get an insurance for just a short time and adding you to the insurance of the owner of the car will be very expensive, they will not do that for just a short visit.

In the Netherlands you will be able to drink beer, wine and other low alcohol content drinks, up to 15% alcohol, as the age limit for that is 16, but stronger alcohol has an age limit of 18. Clubs set their own limits, but often they have a minimum age of 16, 18 or higher.
If the age limit is 18 or higher they often keep a very tight check on the age of everybody who wants to enter so they do not have to check everybody’s age at the bar.
At this time you can buy weed, officially ignored but not legal, when you are 18 or older, but the gouvernment has announced that they want to start a system where you have to get a pass to buy weed in a coffee shop, and those passes will only be available for official residents of the country.
At this time it is just a proposal under construction and it is not yet known when or even if it will be started, nor is clear what kind of limits there will be for ‘resident’. But when the system gets started it is likely that tourists will not be able to use weed anymore, not even in Amsterdam.

One word of advice on your travel plans.
Get out of the cities.
Galway is nice, the area around Galway is stunning. One of my best memories of Ireland is being on the edge of the cliff, at the cliffs of Moher, and on those of one of the Aran islands inside an ancient ruin.
When you get to the Netherlands you will find a whole different kind of landscape. Get out of Amsterdam and see the dikes for yourself. It is not even needed to go to one of the ‘famous’ ones, just any bit of polderland in the Netherlands will do.

Daniel asks…

What jobs can studying a Mathematics degree lead to?

I know that you can get almost any job with a Mathematics degree, and I also that Mathematics graduates have the LOWEST levels of UNEMPLOYMENT, but which jobs can they get exactly?

Specific details please?
I know that you can be a maths teacher/lecturer, and that’s obvious, but I really don’t want to go into teaching.

I also know that you can have a job in Finance and Accounting, but they are also obvious.

Administrator answers:

Actuarial trainee – Prudential, MGM Assurance, Bacon & Woodrow,
Actuarial Technician – Highham Nobbs
Trainee Pensions Administrator: Capita Hartshead (Whitstable)
Statistical Officer – Civil Service (3) , States of Jersey
Risk Analyst/Manager – Canada Life/Tudor Holdings
Underwriter: Pinnacle Insurance, XL Insurance
Insurance Sales Administrator – NFU Mutual
Graduate Finance Trainee – Gallions Housing Association
Finance/Admin Assistant – Woolwich Bank, Essex County Council, Towry Law Financial, HM Customs and Excise, Edexcel, Financial Spreads
Trainee Chartered Accountant: Spain Brothers, Baker Tilly, Reeves and Neylan, Buzzacott, Grant Thornton, Newmann, KPMG (2), Price & Co., Bizzard, Lakin Clark, Carley Partnership, Feltons, Larking, Howarth Clark Whitehill, Saga Holidays, Finnegan
Trainee Certified Accountant: Wilding, Hudson & Co.
NHS Financial Management Trainee (CIPFA)
Finance Administrator: Luton Community Housing
Accounts Assistant/Techniciant: JAD Associates, International Air Charter, Chavereys, Saga Holidays, Thanet District Council, Toys R Us, Vantis
Taxation Assistant – Cox Jerome
Share Trader: Stocks and Shares, Trader Support – Merrill Lynch
Financial Products Designer – Friends Provident
Accounts Manager – Lehman Bros
Performance Admin – Schroder Investment Mgt
Settlements Analyst – Cinergy Global Trading
Data Analyst – ECA
SCIENTIFIC MATHEMATICS: Scientific Officer – Qinetiq (2),Research Project Ass’t – Pfizer
Trainee Quantity Surveyor – Costain Ltd (+ MSc Surveying – College of Estate Management), Mansell
Management Trainee – Capita
Administrator – University of East Anglia
TEACHING: Teacher (GTP) – Canterbury High School, Angley School, St Cleres School, Medway Council, Trainee Teacher (QTS) – Hartsdown TC, Rainham School, Harlems School, Judd School, Assistant Teacher – Canterbury High School, Faculty Learning Mentor – Barton Court Grammar School, Learning Support Assistant – School
COMPUTING: Software Engineer/Developer – Fujitsu Services, Selex Sensors & Airborne Systems, Web Developer – PageSuite Ltd, Profound Systems, Systems Analyst – Strategic Thought Group plc, Programmer – Insurasoft, PPP Healthcare, IT Consultant – Logica, Bull Information Systems Technical Support- Clearwater Assocs, IT Projects Assistant – UK Socrates Council
Human Resources Officer – Surrey County Council, Personnel Ass’t – Sainsburies
OTHER EMPLOYMENT: Commercial Trainee – Freight Forwarding, Deep Sea Diver – Rockwater Diving, Car Salesman – Great Trade Centre, Security Guard – SabreWatch, Allocator – House of Fraser, Customer Services – Carphone Warehouse/Nat West/Eastern Energy, Purchase Ledger Controller – Fitness First/School, Cashier – Nat West, Distribution Asst – Zurich Financial, Payroll assistant – M.J.McCabe, Sales Assistant – M&S

Jenny asks…

What are different team in the British police force?

A list and brief description would be helpful.

Administrator answers:

Team – Response officers who answer 999 calls as well as less urgent calls, everyone must start off here. Its often considered the sharp end of policing, requires the harshest of shifts, typically the more dangerous role as well. May also conduct some house raids. Very mixed activities. Will have different levels of driver ranging up to class one tactical pursuit drivers. Some plain clothes work. Will also pull over cars and deal with drivers, pursue fail to stop vehicles. Very mixed work. May also be sent to assist the ambulance service. Deal with disorder.

SNT – Safer Neighbourhoods teams, responsible for patrolling a small geographic area and usually know it very well. They will also conduct house raids in their area and do some plain clothes work as well.

Traffic – Traffic officers, provide roads policing, use technology such as ANPR (automatic number plate recognition) to find cars without insurance or outstanding intelligence. May find themselves searching vehicles, arresting people who don’t turn up to court. Issue tickets for moving traffic violations. Also typically responsible for the majority of pursuits. Most officers are class one tactical pursuit trained and also trained to ride motorcycles. May also qualify to drive HGVs in case they have to move them.

FSU – Firearms support unit. Provide firearms capability to the police service. Most famous is The Met police CO19 (central operations 19). Armed with a glock 17 9mm pistol, H&K MP5 9mm shoulder fired weapon, Remmington 870 Magnum shotgun, TASER, H&K g36c 5.56 NATO. Other weapons are available to more specialist officers.

Dog section – Provide GPDs general purpose dogs, typically german shepards which are used in crowd control as well as tracking criminals or missing persons. Also provide sniffer dogs, who can smell out drugs, cash, firearms, bombs, you name it really.

CID – Criminal investigations dept. Detectives who will look into serious crimes such as GBH, robbery and serious burglaries.

Community safety – typically take on the role of looking after victims of domestic violence after Team have dealt with the initial complaint.

Case progression – Take on the role of progressing more minor cases to court.

Communications – provide radio communications, let officers know about when a new call has come in, send jobs to their car computers, operate radios, give an officers location if they are in need of assistance, staffed by police officers and civilian staff.

Custody team – look after prisoners and ensure their welfare is maintained. It will the job of the custody officer, who will be of the rank of Sergeant to authorise the detention of persons at the police station.

Public order – Most famous example the Met police territorial support group. Provide anti-riot capability as well as firearms support, raid houses if the risk is high, well trained in Method of entry, Go after nasty criminals when they’re not doing that, also plain clothes roles. Provide public order policing training to other officers. Also roped access, may abseil down a block of flats to conduct a raid. The utmost levels of fitness are required. You must be able to run 1km in full public order gear and shield (the shield itself weighs 17lbs) in a time of less than 6 minutes.

CTC – Counter terrorism. Work to reduce the threat of terrorism to the UK.

Surveillance – work with MI5 security service.

Task force – Hunt persons who are wanted for committing crimes, go after prolific constables. May be tasked to focus on certain crimes or geographical areas.

Training – train new police officers and conduct refresher courses.

There are more but I couldn’t possibly name them all.

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