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Quality Car Insurance from the Experts

We know the most important thing is to look after our customers – and that’s what we do. All our clients enjoy free breakdown cover, free legal service and free handbag/wallet and gadget coverand we'll take the time to find you car insurance you can rely on.

What are Car Insurance Groups?

There are three main considerations that influence the cost of car insurance – the driver, the car, and the use the driver is making of the car. We all know that, when it comes to the driver, factors like their age, gender and driving history are used to calculate car insurance costs. When it comes to the car, the factors that influence the cost of car insurance are combined together and expressed as a single number – the car insurance group. If you're thinking of a way to save money on your car insurance, you could so by choosing a car in a lower insurance group.

How are Car Insurance Groups worked out?

Car insurance groups range from group one to group 50. Group 1 insurance is the cheapest insurance group whilst group 50 is the most expensive. The groups are calculated by working out the car’s performance (the acceleration and top speed being very important), security, and the car’s value new. The costs of repairing, replacing and fixing parts for the car are also factored in – the cheaper it is in parts and labour costs (time is a factor) the lower the insurance group is likely to be. The 'Group Rating Panel' set car insurance groups and they meet once a month to put forward an insurance group for new passenger cars.

What are the Lowest and Cheapest Car Insurance Groups?

Insurance groups 1 and 2 are the lowest and cheapest insurance groups. Group 1 and group 2 cars are typically 900cc to 1.3 litre cars with a smaller, lighter chassis. Often these cars are used by first time or young drivers, short distance commuters or for city driving.

Group One Insurance Cars List

Chevrolet Spark 995cc
Citroen C1 998cc
Fiat Panda 1,108cc
Seat Mii ('12 onwards)
Skoda Citigo ('12 onwards)
Skoda Fabia 997cc
Vauxhall Corsa 998cc
Volkswagen (VW) Fox 1,198cc
Volkswagen (VW) Up ('12 onwards)

Group 2 Insurance Cars List 
Smart ForTwo 999cc
Citroen C1 998cc
Citroen C3 ('02 - '10 models)
Dacia Sandero ('13 onwards)
Fiat Qubo ('09 onwards)
Fiat Panda 4x4 ('05 - '10)
Ford KA ('09 onwards)
Nissan Pixo 996cc
Peugeot Partner Tepee 1,587cc
Seat Mii ('12 onwards)
Skoda Citigo ('12 onwards)
Skoda Fabia 1,198cc
Smart Fortwo ('07 onwards)
Toyota Aygo 998cc
Toyota Yaris 998cc
Vauxhall Corsa 998cc
Volkswagen (VW) Up ('12 onwards)

Insurance companies re-calculate car insurance groups based on their experience of handling claims. Therefore, the above list is not exhaustive and can change daily!

 
 

Why Choose Us?

  • FREE Breakdown Cover
  • FREE Gadget & Bag Cover
  • FREE Legal Assistance
  • UK Based Staff & Offices
  • Friendly and Experienced Staff
  • Our Panel Features 30+ Leading UK Insurers

Contact Us

0333 3210 692

help@bewiser.co.uk

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What's Included

24/7 free phone claims helpline  
Guaranteed multi vehicle discounts to save you money and hassle  
No claims bonus discounts  
Cover for in-car audio  
Windscreen replacement service  
 

What are Car Insurance Groups?

There are three main considerations that influence the cost of car insurance – the driver, the car, and the use the driver is making of the car. We all know that, when it comes to the driver, factors like their age, gender and driving history are used to calculate car insurance costs. When it comes to the car, the factors that influence the cost of car insurance are combined together and expressed as a single number – the car insurance group. If you're thinking of a way to save money on your car insurance, you could so by choosing a car in a lower insurance group.

How are Car Insurance Groups worked out?

Car insurance groups range from group one to group 50. Group 1 insurance is the cheapest insurance group whilst group 50 is the most expensive. The groups are calculated by working out the car’s performance (the acceleration and top speed being very important), security, and the car’s value new. The costs of repairing, replacing and fixing parts for the car are also factored in – the cheaper it is in parts and labour costs (time is a factor) the lower the insurance group is likely to be. The 'Group Rating Panel' set car insurance groups and they meet once a month to put forward an insurance group for new passenger cars.

What are the Lowest and Cheapest Car Insurance Groups?

Insurance groups 1 and 2 are the lowest and cheapest insurance groups. Group 1 and group 2 cars are typically 900cc to 1.3 litre cars with a smaller, lighter chassis. Often these cars are used by first time or young drivers, short distance commuters or for city driving.

Group One Insurance Cars List

Chevrolet Spark 995cc
Citroen C1 998cc
Fiat Panda 1,108cc
Seat Mii ('12 onwards)
Skoda Citigo ('12 onwards)
Skoda Fabia 997cc
Vauxhall Corsa 998cc
Volkswagen (VW) Fox 1,198cc
Volkswagen (VW) Up ('12 onwards)

Group 2 Insurance Cars List

Smart ForTwo 999cc
Citroen C1 998cc
Citroen C3 ('02 - '10 models)
Dacia Sandero ('13 onwards)
Fiat Qubo ('09 onwards)
Fiat Panda 4x4 ('05 - '10)
Ford KA ('09 onwards)
Nissan Pixo 996cc
Peugeot Partner Tepee 1,587cc
Seat Mii ('12 onwards)
Skoda Citigo ('12 onwards)
Skoda Fabia 1,198cc
Smart Fortwo ('07 onwards)
Toyota Aygo 998cc
Toyota Yaris 998cc
Vauxhall Corsa 998cc
Volkswagen (VW) Up ('12 onwards)

Insurance companies re-calculate car insurance groups based on their experience of handling claims. Therefore, the above list is not exhaustive and can change daily!

 

Please Read Carefully

To help with your online quotation please have the following information to hand:

  1. The personal details of all drivers
  2. Full details of the vehicle to be insured
  3. Details of any claims or convictions for all drivers
  4. Details of any No Claims Bonus claimed

Please help us speed up your online quotation by confirming that the conditions below are correct.

  • All drivers are permanent residents of the United Kingdom and do not have more than one occupation.
  • All drivers are legally entitled to drive in the UK and have a valid licence.
  • None of the drivers have any medical conditions which must be legally disclosed to the DVLA.
  • None of the drivers have any non-motoring convictions unspent under the Rehabilitation of Offenders Act e.g. theft, dishonesty, or fraud.
  • None of the drivers have ever had insurance refused, cancelled, voided, or special terms imposed on any insurance policy.
  • The vehicle has not been modified in any way from the manufacturer's standard specification and does not exceed 7 seats.
  • The vehicle is not registered as a Q plate.
  • You own the vehicle and it is registered in your name. The vehicle will be kept at your home address.
  • The vehicle will not be used for private hire, competitions, rallies, trials, track days, off road events or for any purpose in connection with the motor trade.
  • As part of the quotation process you may be contacted by us as further discounts and benefits may apply.

It may be that you cannot comply with these criteria. If this is the case please call us free on 0800 954 9570 and we will be happy to assist you.

 

 

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