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Your Questions About Car Insurance Groups Uk

February 13, 2013

Nancy asks…

roughly how much is car insurance for a new driver in uk?

im going to get my license because i’ve been told it’s good to have early. but i can’t decide whether or not to look into getting a car. i just need a rough idea of how much insurance is. i have no idea what type of car. just basic. i just need a rough price please.

Administrator answers:

Depending on the year of manufacture and size of the engine. On most cases the smaller the engine/ cc, the cheaper the insurance. For new drivers with ZERO no claims bonus the average premium will be between £1000 to £2,500 + depending on engine size. Best to register as a second driver with someone who has 5 years bonus or more until you are aged 25+, you will then be in a different insurance group (not the young reckless and new drivers group). Insurance will then be cheaper for you and by then you will have saved alot of money £££.

Robert asks…

What old car is cheap to insure for 19 year old?

Hi, I would just like to know what old car is cheap to insure foe a 19 year old male. I have a 1993 vauxhal astra 1.4 GL and insurance for me on this car is over £1500. So if anyone knows of an old car that is cheap to insure for a 19 year old male then please let me know!

Thank you!

Administrator answers:

Your car is an insurance group 5

look for a car with a lower (preferebly 1) insurance group

eg

Peugeot 107
vaux corsa 1l

check this
http://www.parkers.co.uk/insurance/Groups/by-group.aspx?ig=1#ig=0

Carol asks…

What is the cheapest car to insure for 17/18 yr olds?

Really want to get a small car with low insurance

Administrator answers:

This question was originally asked in the UK and ireland section.
No point concentrating on the car so much unless you fance a Daewoo/Chevrolet Matiz. Keep under 1.3, not modified and over 5 years old and it will make little difference.

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.

Daniel asks…

How much is my used mitsubishi colt worth?

I have had this Mitsubishi Colt for some time now. I bought it back in 2005, and it has a great running motor in it. Everything works just fine. The car has about 50k km on it. But it is clean, has no dents what so ever.

How can I find out how much my car is worth?

Administrator answers:

Hey there. Mitsubishi Colts are great cars and they last forever. I have been a huge Mitsubishi fan and when I sold mine I used http://www.whatsmycarworth.co.uk/makes/mitsubishi.shtml

Make: Mitsubishi
Model: Colt
Variation: Sport
Doors: 5
Type: Hatchback
Plate: 55
Year: 2005
Engine: 1.5
Insurance Group: 6

Our estimated price for this car is £1,889.89

Joseph asks…

What is the maximum engine size for a new driver in the UK?

What’s the maximum engine size for a 17 year old new car driver? I heard it’s 1.6 but I’m not sure. Also how do you know if the car is automatic?

Administrator answers:

I live in Northern Ireland and there is no maximum engine size for a beginner driver.

The problem you will find is getting insurance. The more powerful the car, the more expensive it will be to insure. If it is too powerful, then some insurance companies will not insure you at all.

Basically its better to go for something not too powerful until you get a few years no claims history and your premiums start to go down. It is not just size of the engine that matters but the insurance group. If you check out Top Gear survey or magazine it should tell you which insurance class the car is in. For example an Ariel Atom has a 2 litre engine and it is in insurance category 20 which is the highest.

Most cars sold in the Uk are manual. If you are looking at car advertisements they will normally state if they are automatic. They will not say they are manual because that is what most people drive.

Betty asks…

What car is good for a first time driver?

ONLY UK citizens please.
Running costs,insurance,tax,MOT and fuel and also I want a small car nothing big thanks.

Administrator answers:

If you under 21 then google ‘group 1 insurance’ and you will find a list of cars.

David asks…

How much should i sell my car for?

Soooooo…. I want to sell my car to get a new one with a bigger engine now my insurance has come down, so I was thinking of putting it on auto-trader but i dont have a bloody clue how much its worth… So could anyone have a stab in the dark at it!? ta

Its:

A 1.0Litre Vauxhall Corsa
54 Reg
26,000 Miles
Metallic Black
‘Energy’ 3 Door

1 Lady Owner, no Scratches etc
CD Player…
erm… Alloy Wheels

I’m not very knowledgable on Cars so don’t really know what else, thats the basics. I saw one exactly the same on auto-trader for £4,800, but that seems a tad steep to me. I think i paid around £8000 for it new!
This may be impossible, any help wud be good, ta!
yes, i DO realise my car has a small engine, but when your young and a student you need the insurance to be as low as possible, hence why im selling it for a bigger engine. hmmm… maybe you should work on your humour!
ooooh ferengo and dodge man, thankyou very much, that parkers website is really helpful, i was thinking i might get about £3000 for it, so im pleastantly surprised, i think i will put it up at 4800 but accept like £4000 minimum or something! thankyou! x

Administrator answers:

Hey. You’re probably right that £4800 is a bit steep, but anyone who was interested in that would try and get the price down so you should always put a price that’s higher than you want to sell for i.e. £4800 would probably sell for £4400/4000. You car has a low insurance group, is economical and boy racers love to do them up so it will have a good resale value. Try getting a parkers car guide from Asda or tesco, that will tell you what you car is worth, then just list it for a little more so when someone tries to haggle you can say ok and knock a little off, so really you’ll get near to what you want. Parkers website is good to, did a search on your car http://www.parkers.co.uk/cars/used-prices/Valuation.aspx?deriv=27214&plate=76&buysell=sell
Anyway hope this all makes sense. G.

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