Insurance Groups

[Diamond White]

It seems the A3 is lumbered with a much higher insurance grouping, than the equivalent VW Golf or 1 series BMW.
Comparing the 1.4 140PS A3 with the equivalent Golf, which I'm led to believe, are virtually identical, the Audi is group 21, the Golf Group 17.

What gives???

 

[Itguy]

The s3 is in a much lower group than the m135i though...

 

[Itguy]

I also believe that the golf gets some insurance group reliefs as some models have pre sense front included as standard (ie radar based emergency brake) which can help prevent a shunt.

This is an option on the a3 and not standard like on some golf models.

 

[cuke2u]

Hi, I've done a quote for my saloon and it came out at £190, exactly the same as my Ford Focus 1.6 Ecoboost Titanium X...

 

[Daveotto]

The insurance grouping is pretty much irrelevant these days and only acts as an indication of potential insurance costs.

Insurance costing systems/databases are pretty smart these days and will adjust for safety and security options selected, your location, age, gender etc etc on a case by case basis

If you use the comparison sites properly and shop around there will ultimately be very little difference in similar cars for a given person irrespective of insurance group quoted so would not expect the difference in insurance for an A Class merc, I series BMW or A3 to be more than a few pounds and certainly is not a deal breaker these days. Where as in the dim and distant past a differene in one or two insurance groups (when we had 9 insurance bands) could make a huge difference in insurance costs.

 

[Danners78]

As well, insurance companies adjust prices depending on their customer index. If they want more 22 year olds from a certain area of the country they lower the price.

 

[Daveotto]

yep, and conversely if they want less 22 year olds in a certain area the premium goes up to discourage you from taking out a poilicy with them, its all part of the insurance companies overall risk management strategy to have a balanced porfolio of risks based on their risk strategy

 

[smk82]

I'm not complaining about my insurance. It wasn't bad for my TT before (~£400), but has now dropped to about £260 with the A3 which whilst I grant you is a lower insurance group, is also slightly more powerful and newer.. go figure..

 

[Daveotto]

yes, know what you mean, my A3 insurance came in at around £230 - £240 which was lower than my old A3 and like you the new one is more powerful, 150BHP v 122BHP

 

[Karl Alesbury]

My COD has come in at £299 with all the trimmings (legal cover etc), and my old insurance policy was nearly £400 for a 2008 1.9 TDI Seat Ibiza. :-\

 

[Dylock]

My s3 has come in at £274 which I was chuffed about, especially as my civic type r was over £500. They blamed that on my "high risk" area which is in the middle of nowhere. Buy a car worth two and a have times more expensive and 50% more power and the cost halves. No idea why lol, not that I'm complaining.

 

[Daveotto]

Must be that us Audi drivers are regarded as sensible and not boy racer types