Group 25 Insurance
Insurance groups are a system used by insurance companies to categorise vehicles based on the risk assessment of certain similar characteristics. These characteristics include the cost of repair, engine size, and market value as well as others, and provide insurance companies with a base starting point when calculating insurance premiums.
Insurance groups range from Group 1 to 50 with Group 50 being the most expensive to insure. Vehicles that currently fall under Group 25 insurance include the Audi A3, BMW 316 SE, Ford Galaxy Ghia, and Hoda Accord Type-V.
Online insurance comparison websites like Quotezone.co.uk can be very useful if you are looking into purchasing a new vehicle, or are shopping around for better insurance deals. By comparing over 100 UK insurance providers, we help you find affordable Group 25 car insurance with just a few clicks.
What is Group 25 insurance, and how does it work?
Insurance groups are a categorisation system used by insurance companies to assess risk and determine baseline insurance rates for vehicles based on similar, shared characteristics. These characteristics can include:
- Cost of repair
- Market value
- Performance
- Engine size
- Availability of parts
Insurance groups range from Group 1 to 50, with Group 1 being the cheapest, and Group 50 being the most expensive group to insure.
The 25 car insurance group falls in the middle of the insurance groups, so you would typically expect to pay moderate insurance rates for vehicles in this grouping.
It is important to note that a car’s insurance group can change over time. And that insurance group assessment can differ from one vehicle to the next depending on its specific features.
Is 25 a high insurance group?
Insurance groups range from group 1 to 50, with Group 1 being the cheapest to insure and Group 50 being the most expensive. So Group 25 falls in the middle of this range.
How does insurance Group 25 relate to car insurance premiums?
Generally speaking, when it comes to premiums, the higher the Insurance Group, the more expensive the insurance can be. There are however many other factors that insurers take into account when determining premiums. This meaning your premiums will be a combination of your insurance group and these factors:
- Your age
- Your claims history
- Where you live
- Where the car is kept overnight
- Any additional drivers on the policy
- Coverage included in the policy
- Optional extras and add-ons
- Excess amounts
What does it mean if my car is in the 25e insurance group?
The ‘e’ designation in the 25e insurance group signifies that the vehicle ‘exceeds’ the security requirements that are necessary for Group 25 vehicles. So although the vehicle is in Group 25, it has a slightly lower risk profile for the insurer because it is better protected against things like break-ins and hijackings.
Which models of cars fall under insurance Group 25?
It is important to note that the group designation of a vehicle can change over time due to the introduction of new models and factors like value depreciation. Contacting insurance providers directly or consulting reputable online tools that check your car’s current insurance group can be a good way to double-check the group of a specific vehicle at the time you are buying your insurance.
Some examples of models currently found in Group 25 are:
- Audi A4
- Fiat 124 Spider
- Honda Accord
- BMW 2 Series
What is the average cost of Group 25 insurance?
Insurance premiums are individualised and are influenced by many different factors, with the insurance group of a car being just one of the factors taken into consideration.
The insurance group of a vehicle is the base starting point for insurers when they are determining insurance premiums. The insurance group gives the insurance company a basic idea of the risks associated with insuring a specific vehicle, based on characteristics that are shared by vehicles in Group 25.
However, your premiums will also be calculated using on other factors including your age, driving and claims history, the coverage and excesses you choose for your policy and the age and use of your car.
The best way to find an accurate cost for you that takes all of these factors and the vehicle insurance grouping into account is to compare Group 25 insurance now with Quotezone.co.uk.
Is it still possible to find cheap insurance if my car is in insurance Group 25?
It is still possible to find relatively cheap insurance for your car in insurance Group 25. There are several steps you can take to find cheaper insurance rates and these can include:
- Review coverage limits: Being aware of what coverage you need and what you don’t is a great start for making sure you don’t pay more than necessary over insuring your car.
- Increasing your excess: Typically opting for higher excesses will make your policy cheaper. Just make sure you are able to cover the costs you have chosen in the event that you have to make a claim on your insurance.
- Bundling your insurance policies: This is a good option to consider as many insurers will offer discounts if you bundle your car insurance with other types of insurance like your home insurance.
- Drive safely: Taking care and following all the road laws in the UK will mean that you avoid unnecessary claims that come along with reckless driving. This helps you build your no-claims bonus which can help you save money on your insurance year on year.
- Choose your car carefully: Of course, your car will impact your insurance costs. If you are still choosing your car and are finding Group 25 insurance too expensive, you might consider opting for a car in a lower insurance group.
- Shop around and compare insurance quotes: Online comparison websites like Quotezone.co.uk can help you with this. We let you compare over 100 trusted UK car insurers so you can be sure you are getting a good deal on your Group 25 car insurance.
