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Group 31 Car Insurance
Whether you’re nestled in London’s bustling Covent Garden, catching a cool breeze along Brighton’s Marina, or maybe you’ve settled in the scenic landscapes of the Cotswolds, understanding the fundamentals of insurance group 31 cars is important if you are interested in cars in this group.
These car insurance classifications are set by the Association of British Insurers (ABI) – providing a comprehensive list of fifty insurance categories that insurers to determine premiums.
Quotezone.co.uk can help you efficiently determine what you should expect to pay for insurance and potentially save you money in the process.
What does ‘group 31 car insurance’ mean for my car insurance?
Group 31 car insurance is an insurance group category for specific car models. The insurance group range from 1 to 50 in the UK. The higher the group, the higher the insurance premium usually is. For cheaper car insurance, it is advised that you consider a car in a lower insurance category.
Cars in insurance group 31 often have higher performance and repair costs which increases the cost of insuring them relative to lower insurance groups.
Is group 31e insurance different from group 31 insurance?
Group 31e insurance is different from standard group 31 insurance. The ‘e’ typically indicates a specific security improvement or feature that means the car ‘exceeds’ the security requirement for its group.
This distinction marks the car as lower on the insurance group scale, meaning that you could get cheaper car insurance than the typical group 31 vehicle.
How has it been decided that my car is an insurance group 31 car?
The classification of your vehicle as an insurance group 31 car is based on numerous factors. These include the car’s performance, safety features, potential repair costs, and even the price of parts.
The Association of British Insurers (ABI) created the classifications to help insurers determine insurance premiums. Other groups involved with classifications include Lloyds Market Association and Thatcham Research who together oversee this system in the UK.
What is the average cost of insurance for insurance group 31e?
Determining the exact average cost for insurance group 31e can be somewhat difficult because premiums depend on numerous personal factors. These can include:
- The driver’s age
- Where they live
- Where they’re parking their vehicle
- Their driving record
- Voluntary excesses
- No claims discount
- The type of coverage needed – Whether it is a comprehensive car insurance policy, third party, fire and theft (TPFT), or third party only.
However, as the 31e insurance group sits somewhere on the higher end of the insurance range, you can typically expect the cost to be more expensive than for cars in lower insurance categories. The best option is to make comparisons by getting multiple quotes for a clearer picture of your personalised insurance costs.
Is group 31 insurance considered high or low in terms of cost and risk?
Group 31 insurance is at the higher end of the broader insurance group spectrum, which goes from 1 to 50. It is neither the highest nor lowest, yet it still is typically significantly more expensive than insurance groups 1 to 20.
Performance: The cars that fit into this group don’t typically have the ultra-high performance of a supercar, but they do tend to have fairly powerful engines. The category tends to include sportier vehicles or those with high-performance features.
Safety Features: Many vehicles in this category are fitted with modern safety features, which insurers like. They might not have every bell and whistle, but they’re equipped enough to help prevent major incidents.
Repair Costs: These aren’t the types of cars that will cost a fortune to fix, but they’re also not always the cheapest. The middle ground extends to repairs too.
Considering all this, it’s clear why insurance group 31 cars appeal to a broad range of drivers. They strike a chord with those seeking a decent performance without excessive insurance costs.
Do insurance companies all provide Group 31 insurance?
Insurance companies, with their unique algorithms and risk assessments, can produce a variety of quotes for Group 31 insurance. They take into account a combination of factors to which they can apply their own weightings, these include:
- Driver Profile: Age, driving history, and even occupation can influence your quote.
- Location Dynamics: The area you live in, crime rates, and potential accident spots can play a part.
- Car Usage: Whether you’re doing daily motorway miles or just popping into the shops once a week.
- Additional Features: Any extra security features or modifications to your car can swing your quote one way or another.
Given these variables, while you might get a similar ballpark figure across a few insurers for Insurance Group 31, there will tend to be some divergence. So, comparing quotes becomes essential to securing the best deal.
Which cars fall under insurance group 31?
Cars in insurance group 31 tend to be those that strike a balance between performance and potential repair costs. While it’s tricky to list all the models in this group given vehicle groupings can change.
There are online resources like Thatcham Research which maintains up-to-date lists of insurance groupings, contacting insurers directly can also be helpful.
How do I know if my car is in insurance group 31?
To find out if your car belongs to insurance group 31, you’d typically need to consult your vehicle’s paperwork or use an online checker. Many insurance comparison sites and car databases let you quickly look up where your car stands in terms of insurance groups.
If you’re wondering whether you’re driving one of the insurance group 31 cars, these tools can give you a clear answer very quickly. And if it turns out you are, it’s good to know where you stand when looking for the best insurance group 31e average cost or similar.
Shopping around is an important part of making sure you get the right level of cover at the best possible price.
*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.