1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Insurance Groups

Discussion in 'New A3/S3 (8V Chassis)' started by Diamond White, Nov 13, 2013.

  1. Diamond White
    Offline

    Diamond White New Member

    Joined:
    Oct 12, 2013
    Messages:
    25
    Likes Received:
    6
    [Nov 13, 2013]
    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???
    #1
  2. Ads

    Ads

    [Sep 30, 2014]

  3. Itguy
    Offline

    Itguy Active Member

    Joined:
    Oct 25, 2013
    Messages:
    1,097
    Likes Received:
    431
    [Nov 14, 2013]
    The s3 is in a much lower group than the m135i though...
    #2
  4. Itguy
    Offline

    Itguy Active Member

    Joined:
    Oct 25, 2013
    Messages:
    1,097
    Likes Received:
    431
    [Nov 14, 2013]
    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.
    #3
  5. cuke2u
    Offline

    cuke2u Well-Known Member

    Joined:
    Sep 14, 2013
    Messages:
    1,797
    Likes Received:
    359
    [Nov 14, 2013]
    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...
    #4
  6. Daveotto
    Offline

    Daveotto Well-Known Member

    Joined:
    Mar 5, 2013
    Messages:
    926
    Likes Received:
    389
    [Nov 14, 2013]
    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.
    #5
    cuke2u likes this.
  7. Danners78
    Offline

    Danners78 Member

    Joined:
    Sep 15, 2013
    Messages:
    82
    Likes Received:
    70
    [Nov 14, 2013]
    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.
    #6
  8. Daveotto
    Offline

    Daveotto Well-Known Member

    Joined:
    Mar 5, 2013
    Messages:
    926
    Likes Received:
    389
    [Nov 14, 2013]
    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
    #7
  9. smk82
    Offline

    smk82 Member

    Joined:
    Apr 5, 2013
    Messages:
    203
    Likes Received:
    21
    [Nov 14, 2013]
    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..
    #8
  10. Daveotto
    Offline

    Daveotto Well-Known Member

    Joined:
    Mar 5, 2013
    Messages:
    926
    Likes Received:
    389
    [Nov 14, 2013]
    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
    #9
  11. Karl Alesbury
    Offline

    Karl Alesbury Member

    Joined:
    Apr 12, 2013
    Messages:
    130
    Likes Received:
    25
    [Nov 14, 2013]
    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. :-\
    #10
  12. Dylock
    Offline

    Dylock Active Member

    Joined:
    Apr 8, 2013
    Messages:
    241
    Likes Received:
    63
    [Nov 14, 2013]
    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. ;)
    #11
  13. Daveotto
    Offline

    Daveotto Well-Known Member

    Joined:
    Mar 5, 2013
    Messages:
    926
    Likes Received:
    389
    [Nov 14, 2013]
    Must be that us Audi drivers are regarded as sensible and not boy racer types:whistle2:
    #12

Share This Page