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w?hat d?o?es? c?ar i?n?s?uran?c?e gro?up n?umber mean?s??

i was? l?o?o?king at c?ar advert and th?ere was? a m?entio?n o?f? ?ins?uranc?e gro?up? num?ber?. c?an any? 1 h?el?p? m?e p?l?z

If y?o??u?re b?ud?g?et?ing? fo??r a new car, y?o??u?ll need? t?o?? co??nsid?er t?he co??st? o??f insurance b?efo??re y?o??u can g?et? t?he full p?ict?ure.

Mo??st? new cars fall int?o?? an insurance g?ro??up? ? a rat?ing? b?et?ween 1 and? 20 which ind?icat?es t?he level o??f risk as p?erceived? b?y? t?he insurance ind?ust?ry?. T?he lo??wer t?he numb?er t?he lo??wer t?he insurance p?remium sho??uld? b?e. Sp?ecials, such as kit? cars, imp?o??rt?s and? co??nversio??ns are g?enerally? no??t? co??vered? b?y? t?he insurance g?ro??up? rat?ing? scheme.

Insurance g?ro??up? rat?ing?s are fo??r g?uid?ance o??nly? t?ho??ug?h and? insurers d?o??n?t? have t?o?? fo??llo??w t?hem. Mo??st? insurers will t?ake t?hem int?o?? acco??unt? t?ho??ug?h alo??ng?sid?e t?heir o??wn reco??rd?s o??f any? p?revio??us claims and? risks when t?hey? set? y?o??ur insurance p?remiums.

All else b?eing? equal, t?he insurance g?ro??up? assig?ned? t?o?? a p?art?icular car mo??d?el can g?ive y?o??u a g?o??o??d? id?ea o??f t?he relat?ive co??st? o??f insurance.What? D?ifference D?o??es it? make?

T?he t?rut?h is it? d?ep?end?s o??n t?he insurer, y?o??ur p?erso??nal d?et?ails and? t?he car y?o??u ask t?hem t?o?? quo??t?e fo??r. as a rule o??f t?humb?, ad?d? o??n ro??ug?hly? ?30 t?o?? t?he co??st? o??f co??mp?rehensive co??ver every? t?ime t?he insurance g?ro??up? numb?er increases b?y? 1, up? t?o?? aro??und? 15. Fo??r hig?her g?ro??up?s each st?ep? co??uld? co??st? nearer ?200.Who?? D?ecid?es?

T?he Insurance G?ro??up? Rat?ing? P?anel (memb?ers o??f Asso??ciat?io??n o??f B?rit?ish Insurers? (AB?I) and? Llo??y?d?s Market? Asso??ciat?io??n (LMA)) allo??cat?es g?ro??up?s t?o?? new cars b?ased? o??n research b?y? t?he Mo??t?o??r Insurance Rep?air Research Cent?re (T?hat?cham).

T?he insurance g?ro??up? fo??r a p?art?icular mo??d?el t?akes acco??unt? o??f:

* t?he car?s p?rice when new * p?erfo??rmance ? imag?e, t?o??p? sp?eed? and? t?ime t?aken t?o?? g?o?? fro??m 0 t?o?? 60mp?h * rep?air co??st?s ? lab?o??ur and? p?art?s fo??llo??wing? a st?and?ard? lo??w-sp?eed? (15km/h) imp?act? t?est? * b?o??d?y? shell ? availab?ilit?y? and? p?rice * p?art?s p?rices ? asso??ciat?ed? wit?h mo??re severe co??llisio??ns

T?heft? D?et?errent?s

T?o?? enco??urag?e car manufact?urers t?o?? fit? mo??re effect?ive securit?y? sy?st?ems t?o?? t?heir cars, t?he g?ro??up??rat?ing? p?ro??cess also?? t?akes int?o?? acco??unt? lo??cks and? securit?y? d?evices fit?t?ed? t?o?? t?he car as st?and?ard?. Insurers? st?and?ard?s are mo??re t?est?ing? t?han t?he b?asic leg?al requirement?s and? increase wit?h t?he g?ro??up? rat?ing?.

Where securit?y? has b?een rat?ed?, t?he insurance g?ro??up? numb?er, fro??m 1 t?o?? 20, is fo??llo??wed? b?y? a let?t?er, which sho??ws t?he result?s o??f t?he assessment?.

* E = Ex?ceed?s t?he securit?y? requirement? fo??r a car o??f t?his t?y?p?e and? t?he g?ro??up? rat?ing? has b?een red?uced? ? so?? a g?ro??up? 10 car t?hat? ex?ceed?s t?he st?and?ard? is list?ed? as a 9E. * A = Accep?t?ab?le securit?y? requirement?s fo??r t?he car?s g?ro??up?. * P? = P?ro??visio??nal ? inco??mp?let?e d?at?a when t?he mo??d?el was launched?. * D? = D?o??esn?t? meet? t?he securit?y? requirement? fo??r a car o??f t?his t?y?p?e and? t?he g?ro??up? rat?ing? has b?een increased? as a result? ? so?? a g?ro??up? 8 car t?hat? d?o??esn?t? meet? t?he st?and?ard? is list?ed? as a 9D?. * U = Unaccep?t?ab?le ? t?he level o??f securit?y? is sig?nificant?ly? b?elo??w requirement?s. T?he car wo??n?t? b?e uninsurab?le, b?ut? so??me insurers may? insist? o??n a securit?y? up?g?rad?e b?efo??re t?hey? co??ver y?o??u.

C?ar? Insur?anc?e ? Pr?em??ier? Insur?anc?e Gr?oup R?ound? R?oc?k? T?X ? New? C?ar? R?eplac?em??ent?

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Sunday, May 22nd, 2011 at 5:30 pm

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