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Your Questions About Car Insurance Groups Uk

April 21, 2013

Joseph asks…

What is the cheapest car to insure in the Uk?

Im 17 years old and was wondering what is the cheapest to insure?

Administrator answers:

Go one here to fid out which are in the lowest groups

http://www.parkers.co.uk/cars/advice/car-insurance-groups/2011/september/New-insurance-groups-explained/

The lower the group number the lower the insurance tends to be

Will still cost you £3000 plus a year at 17 though.

Robert asks…

UK> What is the absolute cheapest car i can get that is cheap to run?

I really need a car cuz of next years course. I cant really afford it but i can’t finish my course without it. I can spend something like 300-400 quid. What the cheapest car to run then? whats the lowest monthly expense i can expect?

Administrator answers:

Look for a nice, low mileage Renault Clio or Vauxhall Corsa 1000cc.
If you find one, take a mechanic along to check it out. If you don,t know one you can probably get one to check it out for about £30. It will be worth it !! These cars are £85 for the years tax & about group 2 insurance. Best of luck..

David asks…

how can i get insurance with penalty points?

My friend was caught driving without insurance (please no moral highground) and he has to get insurance before he can pick up his car. He is searching for insurance that will cover him but he cant find any as he now has 6 penalty points. Could you advize on which companies he could contact? He is in the UK.

Administrator answers:

“Try a local broker

Some groups, eg, those in areas of high crime or with lots of penalty points, can find it incredibly difficult to find cheap insurance cover as they are considered too high a risk. Try speaking one-on-one to a local insurance broker about your individual circumstances to see if they can find you a decent policy (search on the British Insurance Brokers’ Association website).”

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

Paul asks…

Whats the best car to get to make your insurance cheap as possible?

I turn 17 next month and start my job this month, so i’ll have money spare, so i’m thinking of getting a car, but i know insurance can be really expensive, so i was wondering what car is best to keep the cost of insurance down?

Thanks for answers :)

Administrator answers:

If you are based in the UK, cars are grouped in to insurance groupings, with group 1 being the lowest. If you search the Internet for insurance group 1 there are lots of sites which will give you a list of cars that fall in to that category. If none of them appeal to you, search for insurance group 2 and so on.

The age of the car can make a difference too as older cars are cheaper to replace, so can be cheaper to insure.

Mark asks…

How much will it cost to insure a 2010 Mustang Shelby Super Snake?

How much will it cost a 23 year old to insure a 2010 Mustang Shelby Super Snake in the uk

Administrator answers:

No point anyone on here even attempting to guess.

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.

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.

Michael asks…

I have not declared SORN as it wasn’t invented when my car went off the road. How do I now tax it?

My brother-in-law has had a car that has not been taxed for many years, but is now in a position where he has to move it. He is thinking about selling it as it is still a decent car and worth more than scrapping it. But he does not have a SORN on it as it was parked up well before this came into force. He is unsure what to do now, is he likely to be fined?

Administrator answers:

You do not need a SORN but you will need to insure it and MoT it in order to tax it. If you have lost the V5 you will also need to apply for a V5C (Vehicle Registration Certificate) before you can tax it, currently this costs £25.

Http://www.direct.gov.uk/en/Motoring/OwningAVehicle/UntaxedVehicle/DG_069727

http://www.mib.org.uk/Motor+Insurance+Database/en/default.htm

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Mot/DG_300

http://www.direct.gov.uk/prod_consum_dg/groups/dg_digitalassets/@dg/@en/@motor/documents/digitalasset/dg_065264.pdf

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/HowToTaxYourVehicle/DG_069680

http://www.direct.gov.uk/en/Motoring/BuyingAndSellingAVehicle/AdviceOnBuyingAndSellingAVehicle/DG_4022404

Susan asks…

Do I need a licence, insurance or a qualification to teach English as a foreign language in the uk?

I have a 20 hour Tefl certificate and a degree. I feel confident enough to teach a small group conversational English and I want to know if there is anything to stop me advertising myself as a private tutor. I currently don’t have the funds to take the full time courses which are around £1000.

Administrator answers:

In the UK you can call yourself a teacher and teach any subject privately. You could also call yourself a Brake specialist and fix peoples cars without qualifications. Unfortunately a 20 hour TEFL would not be recognised by any language school or training centre.

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