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Your Questions About Car Insurance Groups 1

April 14, 2013

James asks…

What cars can i drive on the motability scheme (disabled allowance) as a named driver or passenger?

my grandmother has disability allowance which means we can get a new car and she told me to pick what i want, however i am 20years old and i want to drive the bmw 120d coupe but the advisor said i cant as i am only 20years old, why is this?
what if my dad and i are put on the car as the drivers? or can i put myself as the passenger?
how can i get this car?

Administrator answers:

Because of abuse of the system, the insurance rules were changed in january 2012.
To enable us to continue providing affordable motoring for all, from 1 January 2012, drivers aged under 25 will be restricted to cars with an ABI Insurance Group 16 or lower and with a power output of 115 brake horsepower (BHP) or less. This does not apply to Wheelchair Accessible Vehicles.

This is why you cant have your Grans BMW.

To help combat misuse of our cars, and to make sure that all Motability cars are used for the benefit of the disabled person, from 1 January 2012, all nominated drivers added to a Motability lease should live with, or within five miles of the disabled customer. We will however, consider requests to include drivers outside of this range where this is essential to support the customer’s needs. In these cases, we will require additional information to be provided

If you keep the car at your or yoyr dads house, then you may also be breaking the insurance rules and you gran my have the car and access to Motability removed, as the car CAN ONLY BE USED FOR THE BENEFIT OF THE DISABLED PERSON, not as a cheap way for you to get a BMW.

William asks…

How do I start/ get into the car hauling business?

I would like to start my own car hauling business and I’d like to do it with my one ton truck. What do I need? How much money is in this business? Any help/ resources would be great.

Administrator answers:

You will need a good trailer, chains, straps and insurance. You most likely will need a 3 or 4 car trailer to make it worthwhile. Be aware of health card, and CDL requirements, depending on the weight of your rig! You also have to keep logs, and are limited in the number of hours you can drive!

You can either contract with local dealers to transport cars to and from auctions, and if it is a large dealer group, between dealership locations, or you can book your loads through a company.

Most car transporters use Central Dispatch to find loads.

Http://www.centraldispatch.com/

If you are going to do long distance hauling, allow for the cost of lodging. If you have a sleeper in your truck, you can sleep and shower at truck stops, to save a bit, but after a couple of days in a 1 ton truck, you are going to want to sleep in a real bed!

Daniel asks…

How are car insurance categories broken down ?

Obviously different cars will cost more to insure with different things affecting the price like engine size performance look and value, but how are these broken down for example when i was looking to buy a car a 2001 1.2 corsa sxi was about £850 to insure but a 2002 peugeot 206 1.1 was £1200 i was 21 and wondered why was the peugeot considerably more seeing as it had a smaller engine was pretty much the same age and was worth the same amount of money ?

Administrator answers:

Cars are put into one of 50 groups. This is done MAINLY by an independent organisation called “Thatcham”
“Thatcham provide the Association of British Insurers with 70% of the information used to establish the insurance group of every private motor car registered in the UK. This information is derived from Thatcham’s assessment of a vehicle, including the ease of vehicle repair and the level of security.”
“A vehicle’s group rating is also determined by
:•The new car price, reflecting variations in trim level and the cost of settlement in the event of a ‘total loss’
•Vehicle performance, both the 0-60 m.p.h. Acceleration and top speed
•Parts Pricing from a standard list of 23 parts
•A vehicle’s security levels”

The insurers then can add their own induvidual parts to it. For example they may have found a particularly high claim rate with a particular car and so add more to that than a seemingly very similar model made by a different manufacturer.

Many insurers charge more to insure newer cars and older cars than they do for ones in the 5 to 10 year range.

I am sorry but there is no logic to it. A 1.2 Ford MAY well be different to insure than a 1.2 Vauxhall FOR EXAMPLE for one insurance company and that could be completely the other way round for another.

The key thing to remember is that you need to make sure you have an insurance quote before you commit to buy a car – people do come on here not having domne so after getting a big shock when they try to buy cover

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