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Geek Culture / Why is my car insurance group 14?

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Fallout
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Posted: 3rd Jul 2006 21:29
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Here's a question for anyone into motors. Why the bajesus is my car a group 14? I've finally got down to sub £400 with 6 years no claims bonus and being 24, but I drive a 1995 Honda Civic Coupe LSI. It's a 1.5, puts out around 100bhp and it's insurance group 14

In contrast, my dads 1.6TD Mazda 3 with a similar bhp is insurance group 5 and is about £200 for me to get insured on. A golf GTI 2litre from the same year is the same insurance group.

Does anyone know why the lord of insurance companies has forsaken me?

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Dazzag
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Posted: 3rd Jul 2006 21:35
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Probably more nickable. Especially after the type-R's came out a few years ago. But overall I think it's all stats. They just work it all out and come up with the figures.

I always loved how much they **** young people these days though (get to about 26 or 27 these days and it's a *lot* better). An 18 year old salesman came to the door a while back and it turned out he was paying twice as much as I was (I pay around £700) for his 1 litre shopping trolley Nova (barryboytastic). I have a group 18 or 19 Subaru Impreza Turbo BTW (I'm 33). Chuckle.

Just get one of those books and work out what the best car is. I did with my first car and ended up getting a 405 Sri after pretty much memorising the book. Mainly because it was faster than an XR3i, yet was much much lower insurance (and had electric everything).

Cheers

I am 99% probably lying in bed right now... so don't blame me for crappy typing
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Fallout
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Posted: 3rd Jul 2006 21:38
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I thought of nickability, but the car has an engine imobiliser as standard, where as the Golf GTI for example doesn't. I would also put the Golf GTI in the more nickable category, cos obviously it's more infamous as a joyrider type car.

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Dazzag
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Posted: 3rd Jul 2006 21:52
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Don't forget though that the Golf was a pile of junk for years and lost all respect. GTI was just laughable. I remember a bloke from work being gutted when I left him on the horizon, and then totally suicidal after finding out that my friend's Lupo GT (it's a girls VW and looks it) was actually about half a second faster than his GTI 0-60 (so was some of the deisel versions too).

Dunno if the engine immobiliser makes much difference to the quote to be honest. Mine won't even get quoted without a GPS tracker, but when I was looking around there wasn't massive savings to be had really.

Cheers

I am 99% probably lying in bed right now... so don't blame me for crappy typing
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the_winch
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Posted: 3rd Jul 2006 22:21
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Joyriding as it was in the hot hatch era has been dead for ages. Cars got harder to steal and the police started using helicopters and fast cars.

I'd look at the price of the cars. Arn't golfs expensive? If they are out of the reach of the average boy racer while yours isn't then perhaps that would explain it.

By way of demonstration, he emitted a batlike squeak that was indeed bothersome.
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Dazzag
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Posted: 3rd Jul 2006 22:30
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Quote: "If they are out of the reach of the average boy racer "
With the new ones then technically yes. But the old ones? Not at all. Was behind some 20 year old GTI today. God the thing looked bad with all the lowering, spoiler adding, and general destroying of a once brilliant car. Not to mention that any car thats 20 years old (unless kept almost undriven) will probably be slower than your mum's new runaround. I was truly shocked to see that normal diesel astra (not specced up) getting a better time than that old M3 and the Lancia Integrale Evolution (truly monumental car when I was a kid) on one of the driving programs. Apparently they just beat a Ford Ka Sporting (oh god no...)

Cheers

I am 99% probably lying in bed right now... so don't blame me for crappy typing
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Hobgoblin Lord
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Posted: 3rd Jul 2006 23:56
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Don't know about where you live but in the US Civics are the most stolen car. stripped for parts because there are so many people with them. Corolla's are way up there too. COlor can also play a part in it some colors are stolen more often (black, red) and some are seen as less safe black compared to yellow.

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Fallout
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Posted: 4th Jul 2006 01:10
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Hmmm. Civic Coupes arent hugely popular here. You see them around fairly often, but they're definitely not high up there as extremely popular. I don't know how big our stolen car spare parts market is either. However, it is black, so I guess that counts against it.

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Philip
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Posted: 4th Jul 2006 01:14
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Look in www.confused.com for great car insurance quotes.

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Fallout
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Posted: 4th Jul 2006 11:48
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You know what, I never thought they'd be that much help. I kind of assumed they'd get me £30 - £40 off and I'd end up with a crappy insurance company that doesnt actually help you out at all. But, I just tapped in all my details as if reinsuring my car in 2 months time and my best quote is £272! I will be 25 then, so that should knock a bit off, but still ... I think I will be checking out confused.com for my next quote.

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OSX Using Happy Dude
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Posted: 4th Jul 2006 12:28
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Why stump up all that money, and instead get a bike.

Come to the last Unofficial DBPro Convention (http://convention.logicstudios.net/)
Dont do anything I wouldn't do. But if you do, take pictures.
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Fallout
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Posted: 4th Jul 2006 12:39
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Something to do with the inability to move anything from A-B except yourself and a child size lunch box.

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OSX Using Happy Dude
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Posted: 4th Jul 2006 12:41
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Thats what backpacks are for...

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Fallout
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Posted: 4th Jul 2006 13:44
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hehe. True, but I'd like to see the backpack you can safely ride with that can hold 6 bags of shopping and a crate of beer from Tesco.

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Zappo
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Posted: 4th Jul 2006 14:24
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Yeah, getting a flatpacked bed from IKEA (along with matress) is a little bit tricky on a bike. Still, if you fall off at least you would have a soft landing.
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OSX Using Happy Dude
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Posted: 4th Jul 2006 14:32
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Get Tesco's to deliver it to you - why go to all the hassle yourself ?

Come to the last Unofficial DBPro Convention (http://convention.logicstudios.net/)
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Fallout
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Posted: 4th Jul 2006 14:39
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Just accept it! Bikes are cool, but impractical!

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OSX Using Happy Dude
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Posted: 4th Jul 2006 14:42
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Get all companies to deliver their goods, and your sorted - you can then get rid of your car and get a cheaper bike instead.

Its what any sane person would do...

Come to the last Unofficial DBPro Convention (http://convention.logicstudios.net/)
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HowDo
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Posted: 4th Jul 2006 14:43
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I think it to do with the Coupe bit if you had the same car with five doors it would be a bit cheaper.

I'm not getting you down am I, Ho Look! another fancy Door?
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Dazzag
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Posted: 4th Jul 2006 15:03
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If you mean bike as in motorbike then there is the minor downside of increasing your chances of dying massively. Never liked bikes for some reason...

Quote: "I will be 25 then, so that should knock a bit off"
It used to. Think it has now been raised to 26 or 27

Cheers

I am 99% probably lying in bed right now... so don't blame me for crappy typing
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OSX Using Happy Dude
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Posted: 4th Jul 2006 15:05
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Quote: "If you mean bike as in motorbike"

No, if I had, I would have mentioned motorbike.

Come to the last Unofficial DBPro Convention (http://convention.logicstudios.net/)
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adr
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Posted: 4th Jul 2006 15:33 Edited at: 4th Jul 2006 15:34
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I've got my heart set on an Audi A3 now. I haven't even looked into the insurance cost of it ... I may also have to be creative about the number of miles I plan to do (c.35,000). Better yet, make my girlfriend the primary driver and I'll be an unnamed driver.
[checks]
hmm... Insurance Group 11. Is that good? ... No, by the looks of things. It's a diesel ... who races around in a diesel car?

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Fallout
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Posted: 4th Jul 2006 15:51
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11 isn't too bad matey. Better than mine, but not exactly good. I guess this is a lesson if you're on the breadline - shop around for cars and also consider their insurance group. Btw, I tried to get a quote on Confused for a Skyline ......... no results yet.

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hyrichter
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Posted: 4th Jul 2006 16:26
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Hmm, I don't know what you guys mean by these insurance groups that you have in the UK. In the U.S., you just pay more depending on your age, driving record, car style, etc., but I don't know of any "groups."

Right now, I'm 21(almost 22) and paying $587 for 6 months insurance on my 2000 Chevy Silverado 1500. The first 6 months was right close to $700, but I found another insurance company that offered a better rate. The worst part of it is the gasoline prices. I fueled up a couple days ago and it was $72. I'm seriously considering buying me a new bike. My little brother wrecked my last one and ended up in the hospital as a result -- serves him right for stealing it and not paying attention to traffic.

Good performance is better than a good excuse.
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OSX Using Happy Dude
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Posted: 4th Jul 2006 16:27 Edited at: 4th Jul 2006 16:30
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Its another reason why I dont have a car - dont want to pay for petrol...

Quote: "Hmm, I don't know what you guys mean by these insurance groups that you have in the UK"

Ours are dependant on where you live, what care you have, how many doors, what security system (if any) is installed, where its parked (everyone says "in a garage" even when its not), how many years of NCD, age of owner, any mods or upgrades, previous driving offenses, engine capacity, and technically the number of wheels.

Get a bike - so much simpler.

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Dazzag
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Posted: 4th Jul 2006 16:51
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Quote: "Hmm, I don't know what you guys mean by these insurance groups that you have in the UK. In the U.S., you just pay more depending on your age, driving record, car style, etc., but I don't know of any "groups.""
Apparently having a job as a programmer is bad too. We get rated on everything pretty much. Plus I'm sure you would have a similar system in the US for cars. Surely you are not saying that the insurance for a 911 would be the same as a Fiat Crappo for you?

Quote: "No, if I had, I would have mentioned motorbike"
Fair enough... in primary school


Quote: "Get a bike - so much simpler"
Although come to think of it it doesn't matter where I live. Cycle along a road and expect to become a kebab in no time. Should see the new cycle lanes they have put in where I work. Enough room for a hamster on a tiny cycle perhaps. If the car drove mostly on the other side of the road

Cheers

I am 99% probably lying in bed right now... so don't blame me for crappy typing
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hyrichter
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Posted: 4th Jul 2006 16:55
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Quote: "Surely you are not saying that the insurance for a 911 would be the same as a Fiat Crappo for you?"

We have all sorts of different rates for style of car, age, occupation, and all those things just like you have. I've just never seen it classified as group 11, 12, 14, or whatever. You just give them all your info and they give you your insurance quote.

Good performance is better than a good excuse.
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Megaton Cat
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Posted: 4th Jul 2006 17:16
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Moped Moped!!


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OSX Using Happy Dude
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Posted: 4th Jul 2006 17:20
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Quote: "Fair enough... in primary school "

You still in primary school then ?

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Megaton Cat
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Posted: 4th Jul 2006 18:10
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Got held back...abit too long.


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Fallout
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Posted: 4th Jul 2006 18:30
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@hyrichter - Yeah. It's pretty much the same I would imagine. Pretty much everything makes a difference on your insurance. The Insurance Group classification is just a way of evaluating the car part of the equation more easily. A 2CV is probably around group 1, a Skyline is 20 and a top end Ferrari is probably around 30 (can't remember exactly how many groups there are).

@Philbert McTwitch
And bikes are for people with very uncomplicated lives who don't need to travel any real distances or aren't pushed for time. I honestly thought you meant a motorbike too, otherwise I would never have given you a serious response!

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OSX Using Happy Dude
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Posted: 4th Jul 2006 19:40
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Quote: "pushed for time"

With adequate planning you dont need to be pushed for time.

Must be a south of England thing, where we regarded bikes as those things powered by legs.

Quote: "Got held back...abit too long."



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Fallout
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Posted: 4th Jul 2006 20:00
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You're surely having a little jest aren't you matey? You can't actually believe that by planning your cycling journey you can turn a 45 minute communte to work up the M3 into an easy bike journey?

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OSX Using Happy Dude
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Posted: 4th Jul 2006 21:18 Edited at: 4th Jul 2006 21:23
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Depends on whether its easier to catch a train than cycle, doesn't it ? Or even telework.

Its always possible to remove the car out of the equationm, usually to the advantage of your empty wallet.

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Fallout
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Posted: 4th Jul 2006 22:50
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If we can't spend our money on taking 2 hours of travelling out of our day, what use is it? If you enjoy cycling, catching buses and trains and generally spending more time traveling from A-B to save money, then that's fine. I would rather have an extra hour in the evening to do what I enjoy then sit on a train.

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OSX Using Happy Dude
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Posted: 5th Jul 2006 00:08
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I, personally save around 10 minutes cycling than I would if I had a car. Plus I save loads of money

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Dazzag
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Posted: 6th Jul 2006 22:26 Edited at: 6th Jul 2006 22:27
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Quote: "I've just never seen it classified as group 11, 12, 14, or whatever"
It's just an easy way to give the general public an idea of one car versus another before going to get a quote. It's an easy comparison thing. A group 6 should be a lot less than a group 15 for example. Think it's an industry standard that all the insurance companies have to stick to. Saying that, there are sub groups. A 911 and a McLaren F1 are both group 20 (top group), but obviously one is going to be a *lot* more than the other

Most groups are obvious (911 is high, Ford Ka is very low), but sometimes can be surprising. And if you get a guide with every single available car in it then you can roughly whittle it down without having to make any quotes.

Cheers

I am 99% probably lying in bed right now... so don't blame me for crappy typing
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