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Your Questions About Car Insurance Groups Uk

June 16, 2013

Carol asks…

What is your view on old Alfa Romeos and Lancias?

Would you buy them? I know that they were all very unreliable and all, but would you buy them because of what they were? Cars which were so beautiful you wouldn’t want another, and cars designed with a soul instead of Japanese crap boxes?

Lastly, would you recomend an Alfa 75 for a beginner driver (18/19 years old, just got his license)?

thanks!

Administrator answers:

If they have been looked after older Alfa’s and Lancia’s can be reliable so look for one with a proper service history. Rust is usually the biggest problem so check carefully. In the UK spares are still available

I used to own an Alfa 75 and had no major problems with it for over 50000 miles. Eventually the rear brakes gave up and being inboard mounted they are difficult and expensive to replace. Mine became a donor car used in the rebuild of an Ex works Lancia Stratos rally car, they shared many components.

The 75 is easy to drive, you soon get used to the oddball handbrake and the switch panel in the roof, aircraft style but at your age insurance will be a problem. In the UK the 2.0 litre version is in insurance group 16 and the 3.0 litre version will be even higher so some companies may refuse to cover you at all. For sure it will be expensive.

Never owned a Lancia myself but again check carefully for rust. Expect high insurance costs but some of the smaller engined versions, 1.3 litre might be cheaper .

By now some Alfa 156′s are over 10 years old and the price has dropped to the point where they cost the same as a decent 75. The 156 was built after the takeover by Fiat and the quality control was greatly improved so consider one of these. The 1.6 litre version has a good reputation and insurance is lower than the bigger engined versions.

Ian

Sandra asks…

what kind of car would cost around 2000 yearly to insure for a young person?

just looking around for insurance quotes, yet all i seem to find cost around 5000 a year “-.- any ideas on what cars are cheaper?

Administrator answers:

Insurers typically classify the types of car in different groups, ranging from 1 to 20.

The higher the group your car falls into, the higher the premium will be.

In determining what group your car falls in to, insurance companies take a number of factors into consideration. For example, if the parts are readily available and cheaper to buy, this goes in the car’s favour.

Check out http://www.wisebuyers.co.uk/index.jsp?guide=guides&page=car_insurance&id=18&group=1&x=34&y=3 for group 1 cars

Betty asks…

What car should I buy for £10000 in the UK (male)?

I would like something small with a reasonable spec and a car that is either brand new or nearly new. As I am only 21 I need a car the is an insurance group that is 10 or below!! I am currently driving a Citroen C1 VTR+ which is the top spec however, it only has a 1.0l engine so I would also like something which has a quicker 0-62 as mine is currently about 14 seconds.

Administrator answers:

If you are considering Citroen C1, limited model Connexion, designed by users might be interesting.
I believe it has some nice candies in the form of more quality materials inside beside it’s great look.

It still has only 1.0l engine, but that will get you free road tax for the first year of ownership and just £20 per year thereafter.

Lizzie asks…

I have been offered £50 for an insurance company’s failure to insure my car, which I found out by accident th?

The insurance company has accepted that they failed on three counts to insure the car, to lodge my formal complaint and to return my calls.
Why would I brag – time is more valuably spent. Should I accept the compensation that is the question?

Administrator answers:

If you were involved in an accident, made a claim and then found you were left uninsured … Do not except their offer but keep all correspondance and refer them to the FSA otherwise insurance companies will forever have a let-out when folk claim for damaged caused.
Their duty is to insure you once you have paid the premium.
It would be far fairer to the public if it were the government that covered the insurance like in New Zealand doing away with the scams that prevail here, insurance in the UK has now become a joke with the premiums going up year on year whilst the so called comprehensive insurance has a sheet of additional payments to be made to cover stuff like smashed windscreens, voluntary amount being ADDED to the compulsory amount, the insured person is now required to pay additional legal cost if involved in an accident, even though it would actually be the insurers who would lose money if the claim failed in court etc… Most of this stuff is the result of the insurance grouping intermediaries like isda,fresco, Go compete, Confusticate.com plus a myriad of other fleas that hike up the cost or alter the cover to make their offers different from the next guy whilst taking a cut of your levy.
It’s no longer a a joke it’s a scam, with all or most juggling the same top fifteen actual insurance companies as their best fit… But in all cases to make themselves a disguised profit from your premium.
I say Nationalise the lot and give us a properly comprehensive deal for our money or at least do away with these flea like intermediaries.

Helen asks…

can my son have a vauxhall corsa sxi as a first car insurance wise?

just wondering cause he wanted sommin a little more sporty looking but it would only have a 1.2 engine in it so would it still be good for insurance or does it being sxi ruin it?

Administrator answers:

Hey there…

The insurance group also has a lot to do with the average driver of a car.
The companies look at both the number and cost of claims against each make/model and decide risk.
Add to this the increased risk for a young driver and you will always have a high cost.

This web site (Parkers) lists the insurance groups of most UK cars.
This link is for the Corsa from 2006 onwards.

Http://www.parkers.co.uk/cars/advice/car-insurance-groups/vauxhall/corsa/hatchback-2006/

In the list the standard 1.2 SXI is group 6 but the basic 1.2 is only group 4

If you can find one the “SXi InTouch” model seems to be group 4.

You would need to check a quote for each of the models to see what difference it makes.

It may be that being a young and new driver is a much bigger factor that the difference between group 4 and 6. In this case the insurance difference may not be too great.

Good luck !

James asks…

Is racism a serious issue in Australia? How does Australian society react to it?

Over 432 students and people of Indian origin has been attacked in Australia since May 2009.Australian media has denied that most of these attacks are racially motivated.
However nephew of Australian Primere (Mr Kevin Rudd) had organised a protest march urging Australian civic society so come up against racism.How does Australian society look at this issue?
What do they think :Is this issue serious or simply Indian media hype?

Administrator answers:

Short answer: media hype.

Long answer:

Does racism exist in Australia? Yes.
Does racism exist in India? Yes (caste system has been described by the UN as discrimination and a human rights abuse.
Does racism exist in Canada, UK, U.S., S. Africa, N.Z? Yes, Yes, Yes, Yes.
Are any of these societies racist as a whole? No, Of course not!

The point I am trying to make is that there are elements of racism in every society. However, I honestly do not think that the vast majority of these attacks are racially motivated. If anything, there is a problem in this country of binge drinking and thuggery, which leads to a lot of stupid pointless crime. But this crime is targeted at ‘soft targets’ and not only Indians. By soft targets I mean people who are walking through parks alone at night, listening to their ipod while sending a text message on their new flashy iphone. Um…if I were a crim, I’d think I hit the jackpot. I’m actually glad that the government has issued warnings about studying in Australia. They have actually echoed what I tell students on their first day of class…

Don’t walk alone at night and listen to music (you can’t hear someone sneaking up on you)
Avoid walking past large groups of young men (they often cause the problems, so cross the street)
Don’t flash your expensive goods or carry a lot of cash.

These are simple street smart rules to live by, and if you do, no matter what country you are in, then you have a much larger chance of staying safe.

In regards to the media reports on the attacks:

The poor guy down in Griffith who was burned and stabbed. Declared racism before the culprits were known. Turns out they were Indian nationals who weren’t getting paid by him. (Not the best way to solve a problem)

Nitin Garg: My heart and soul goes out to him and his family. Terrible tragedy and waste of life. Was it racially related? Who knows? Nobody has been arrested! Many people in these forums are complaining that no one has been arrested. But what do you want them to do? Arrest everyone and anyone without evidence? Terribley unfortunate, but after this incident I went to my students and reminded them to NOT walk through parks alone at night. Most Australians I know don’t…

There was a report of a man in Melbourne who was attacked while getting into his car, had petrol poured over him, and this was a racist attack. When I heard this news report, I broke down into tears in front of my wife. The police have now discovered that this was a case of insurance fraud. The man was caught on video buying the petrol (which he must have spilled some onto himself and lit himself on fire). I don’t appreciate being blamed and my industry getting hurt because of an embarrassed fraudster. Now I’m the embarrassed one for having believed him.

Http://www.theage.com.au/national/burned-indian-faked-attack-to-claim-car-insurance-police-20100203-nbfr.html

The latest attacks in Brisbane on cabbies. Terrible. Shouldn’t happen. However driving a cab is A DANGEROUS JOB. Always has been, always will be. I watched a clip of Indian news where the “newswoman” called the attacks ‘quite racist’. Taxi drivers of any coulour have been attacked since the concept began. They are easy targets, as are delivery drivers. The driver had a few small cuts and bruises on his elbow and leg, no black eye (even though he was punched there). I’ve had worse injuries after being beaten by someone in an east Asian country. I didn’t claim racism, but thuggery.

Please people, let cooler heads prevail. Don’t let politicians stir up populist feelings to get votes. Look at the facts, an do your own research. All of my Indian students love it here (sydney). They do not feel threatened. They recognise that the news stories are indeed making a mountain out of a mole hill. Indians will get attacked in Australia, but so will Chinese, Vietnamese, Canadians, and most of all Australians!

My advice if you want to study in Australia (a totally different topic)…do your research on the school you will study at, the neighbourhood that you will move to. A lot of Indians move to Auburn for example, a notoriously bad neighbourhood. And especially choose an education agent that you trust as they can sign you up for extra courses you don’t need, put you in a dodgy school because they get a higher commission. Go by word of mouth. If your friend had a good experience with that agent, you will probably too.

In conclusion, I hope that the hatred for Australia does stop. We are a multicultural society, and have been for many decades. The majority of Australians love this diversity and thrive on it. While there are attacks on Indians, I have trouble calling them all racist, or that there is a racist epedemic in Australia, as these sorts of crimes happen to all, no matter where you come from. With some street smarts and research, you have a very small chance of running into trouble.

P

Ruth asks…

Why do most people try to scare young drivers with large insurance costs?

I am a responsible teen. Why do some people try to tell me I’m not? I hate generalization.

Administrator answers:

Insurers don’t just make prices up. They employ actuaries who study in to motor accident statistics and assess how likely people in your age group are to have an accident. You don’t say where you are based, but in the UK, one in four young drivers has an accident within their first year of driving. Claims can be expensive by the time that they have paid out for the damage, the injury claims and the legal fees. How on Earth is the insurer meant to fund such a sheer volume of claims if they do not charge the appropriate premiums to cover the cost?

As a new driver, you have no experience, so you cannot prove to the insurer that you are safe. As such, all the insurer can do is to look at people they have insured with a similar risk profile to yourself and work out how likely you are to claim.

When I was a new young driver, I was not a ‘boy racer’ like most of the young people on the roads. I kept to the speed limit, and drove carefully, and like you, I did not want to be grouped with the other young people, but my inexperience told, and I had an accident, so the insurer was right. Nobody can guarantee that they will not have accidents.

If you genuinely feel that you do not want to be treated like all the other young drivers, there are insurers out there who use Smartbox technology. They will fit a small box to your car, and it monitors your driving habits and sends the data back to the insurer. If you drive safely and within the speed limits, your premiums get reduced. Maybe this is an option for you to consider if you do not like generalisation.

I know it’s hard when most of your money goes on insurance, but we’ve all been new drivers and all paid the prices you have to pay. When you have driven safely for a year or two, you start to build up no claim discount, and your premium will come down, but that is a reward for years of safe driving, and you have to earn it. To give cheap insurance to everyone, when they have not proved how safe they are would just not be fair.

William asks…

I have just passed my test which car shall i buy ?

I am looking for a car which is big enough to have the two children’s car seats in the back and one that is fairly cheap as i am a student! Also one that is quite low on insurance. I know it a alot to ask !! lol

Also where is the best place to look for a car in the uk a dealership or private etc any reccommendations?

Administrator answers:

Try a Skoda Fabia 1.2 or 1.4, its got 5 doors (including the boot), should be fairly reliable, safe and spacious enough for 2 kids.

For a bit more money the Honda Jazz is also good and very reliable (Honda are rated 1st for reliability).

A Ford Fusion may also be good (basically a Fiesta but a bit bigger).

Try a Vauxhall Meriva too, about the size of an Astra but based on the Corsa so should be cheaper to buy and insure.

The Kia Rio is surpirisingly good and also cheap to insure for a car of its size.

Basically the bigger the car, the bigger the engine and more the insurance. You won’t be able to afford to insure anything bigger than a Ford Focus.

Ignore the comments on here from Americans who don’t realise you’re British and are answering giving you a good car in the US, they dont realise you cant insure cars bigger than a Focus cheaply if you’re a student and fairly young (im assuming you are). Also the cars they mention probably aren’t available here eg Kia Spectra, VW Jetta (it’s a Golf basically). Remember a small car to someone in the US isn’t that small here!

Cars like a Toyota Yaris, Renault Clio, Vauxhall Corsa will probably be too small if you have things like a double buggy for the kids.

Have a look on www.autotrader.co.uk, type in your postcode and have a look in your area for some of the ones you get recommended. Www.parkers.co.uk is also an excellent website. They both have all the cars insurance groups on there (what determines the insurance cost).

Generally dont go for anything bigger than a 1.4 to keep the insurance down. You may be able to find slightly bigger cars than the ones i’ve mentioned with a 1.4 such as a Ford Focus, Seat Leon, Peugeot 307.

I didn’t know your budget so i’ve been mentioning things for around £2000-£4000ish.

Hope that helps!

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