Cars in Insurance Group 1

The cars in Insurance Group 1 are the most affordable to insure. The passenger vehicles in the lower groups have lower premiums. Each month, a panel of experts


meets to categorise vehicles into groups. These professionals are from Lloyds Market Association (LMA) and Association of British Insurers (ABI). During their classification processes, this group utilizes detailed information produced by researchers at the Motor Insurance Repair Research Centre in Thatcham.

The research centre was established by British Insurers in 1969. This organisation is not-for-profit, and independently-operated. Its Board of Directors is composed of members from more than 30 national insurance companies which fund the centre's important work. The areas of research conducted at the facility fall into six categories. Among them are repair technologies, crash testing, vehicle security, vehicle safety, group rating, and times and methods.

The research facility provides a wide range of products and services to the automotive repair and insuring industries. Their goals are to promote security and safety. To this end, their teams of highly skilled researchers produce data which helps reduce potential damages sustained by vehicles during accidents and simplify their repair processes. Their reports often influence the design and performance of new vehicles, as well as influence the rates of car insurance companies premiums.


More than 150 employees work at the research facility. They have access to a wide range of training and research equipment, such as a sled facility for conducting non-destructive testing and a vehicle-impact testing laboratory. In addition, the well-equipped centre has a wide range of collision repair equipment on-site.

The reports released by the centre use several factors to assess vehicles. They include damage and parts costs, repair costs and times, car security, new car values, parts prices and car performance. These elements help experts assign automobiles to groups.

The vehicles which are assigned to the higher categories are often high-performance models which are relatively expensive to repair. Since their repair costs are high, their premium rates are also high. Vehicles which have high-cost replacement parts, unique paint finishes and longer repair times will also be assigned to higher categories.

High-performance models are attractive to many car buyers. However, the models which boast high speed and quick acceleration are involved in more repair claims than other models. As a result, they are assigned to higher groupings.

Vehicles with security features that are included as standard equipment will generally be assigned to lower categories. These features tend to reduce the costs associated with insurance claims. Among the desirable security elements are alarm and immobilisation systems, high-security door locks, coded auto equipment, alloy wheels locking devices, glass etching and visible VINs (Vehicle Identification Numbers).

There are many makes and models of vehicles in the lowest category. Among them are the Volkswagen Fox, Vauxhall Agila and Corsa, Toyota Aygo and Yaris, Suzuki Alto, Skoda Fabia, Renault Clio, Peugeot 107, Nissan Pixo, Ford Ka, Citroen C1 and C2, Chevrolet Matiz, and the Fiat Panda, Cinquecento and Seicento.

Discovering the cars in Insurance Group 1 can help influence purchasing decisions. These vehicles tend to be the least expensive to repair, maintain and insure. More details about specific models and groupings are available online.