Group 35 Car Insurance

Car Insurance for Group 35 

The costs of insurance for cars in insurance Group 35 can be some of the more expensive policies on the market. This is something you should be prepared for if you are looking to insure a car in this group. Insurance groups start at Group 1 and go as far as Group 50. The higher the insurance group, the more risky the cars will be for insurers to cover, and this can make them more expensive to insure. 

If you have always dreamt of owning or already owning a car that is in Group 35, you don’t want to waste your time and money going around each individual insurer looking for the best and most affordable insurance policy for your vehicle. 

Quotezone.co.uk has taken all the leg work and frustration out of looking for the best deal. All you need to do is visit Quotezone.co.uk, enter a few personal and vehicle details, and you will have access to information from over 100 insurance providers. 

What does insurance Group 35 mean?

Insurance Groups are categories based on a specific set of characteristics that insurers use to determine the risks they face when insuring a particular vehicle. The insurers then combine the insurance group of a car with other factors like your personal details and the coverage type you need to calculate the final premium that they will offer you. 

The groups number from 1 to 50 with higher groups, for example, Group 50, being the most expensive to insure. So in comparison, Group 37 cars will be more expensive for the owner to insure and riskier for the insurer to cover than cars in lower groups. But generally, they will have cheaper rates than cars in groups higher than Group 35. 

Is Group 35 insurance different from Group 35e insurance? 

The difference between Group 35 insurance and insurance Group 35e is that the ‘e’ indicates that the security features on your particular car ‘exceed’ the requirements set out for Group 35. 

As a result, your car is seen as less of a risk to insure, so this categorisation may contribute to you getting cheaper insurance premiums than the standard Group 35 cars. 

How do I check my car’s insurance group?

It’s important to know that insurance groups are changeable. This is because they are classified based on changing factors like the car’s current market value and accessibility to parts. But if you want to check for your car’s insurance group, you have lots of options. 

Probably the most obvious is to check any existing insurance policy documents. If you are unable to do this then there are various online resources that can give up-to-date information on a particular car model’s insurance group at the time you are buying your insurance. 

Otherwise, you can phone your insurance company directly and they should be able to inform you of your car’s insurance group. 

My car is in insurance Group 35, what does this mean for my premiums? 

Cars in insurance Group 35 are perceived to be higher-than-average risk vehicles to insure, due to specific factors and characteristics of the vehicles in Group 35. They will usually be high-performing, more luxurious vehicles that are at higher risk of theft or damage. And they can have expensive replacement parts and repair costs. 

Because of the greater risks of insuring a car in Group 35, you will typically pay higher insurance rates than you would for cars in lower insurance groups. 

However, insurance groups are not the only thing that affects premiums. There are other factors that can influence your premiums, these include: 

• Your personal details including age, address and occupation
• The level and type of coverage 
• The insurance company you select 
• The excesses on the policy
• Your no claims history 
• How you use and store the car

Insurance premiums are highly individualised and vary significantly based on your personal circumstances, needs, and choices, so the best to fin out your premium cost is to get personalised quotes for you from Quotezone.co.uk.  

Are Group 35 cars a bad choice for young drivers? 

Cars in Group 35 are not inherently a bad choice for young drivers however there are a number of factors to consider if you want to drive a vehicle in this group as a young driver, including: 

1. Insurance costs: Young drivers are typically charged the highest insurance rates. Group 35 is among the higher insurance groups with the highest insurance rates. A combination of these two factors could make insurance unaffordable for young drivers. 

2. Risks: Group 35 cars often have large engines and are high-performance vehicles. This can make driving these more dangerous for young inexperienced drivers.

3. Safety: The safety features of cars in Group 35 are usually excellent so in this regard, a Group 35 car would be a good choice for a young driver. 

4. Budget: Cars in insurance Group 35 are expensive to buy and coupled with the higher insurance cost, they may be unaffordable for young drivers. 

Ultimately the choice of car for a young driver will need to be a personal choice. The best option will be a balance of the above factors and how they specifically apply to the driver. For tips on how to get cheaper insurance as a young driver, you can refer to our helpful guide. 

Are Group 35 cars a good choice for older drivers? 

Whether cars in insurance Group 35 are a good option for older drivers depends on a variety of factors, including the driver’s preferences, financial considerations, and needs. Some of the characteristics of the vehicles typically found in Group 35 will be appealing to older drivers, for example: 

• Excellent safety features 
• Comfort and luxury 
• Spaciousness  
• High market value may also be more affordable for older motorists. 

However, certain characteristics may be unappealing and these could include: 

• The high performance of the vehicles 
• The higher risk of theft and damage 
• Security risks  
• Higher replacement and repair costs

What’s the average cost for group 35e insurance? 

Insurance premiums are highly individualised and vary significantly based on several factors. The insurance group of a car is an important component of the overall calculation that insurance companies make when determining insurance premiums. 

Insurers use the insurance group as a baseline starting point when calculating premiums. Group 35e is rated as a higher insurance group with relatively high insurance rates.  

However, other factors affect the cost of insurance, and these can include things like the level of coverage and excesses on your particular policy, your personal details and the insurance provider selected. 

For these reasons, it is impractical to say what insurance group 35e average cost will be. For accurate, up-to-date insurance rates for cars in insurance group 35e is it recommended that you compare multiple insurers to get an accurate cost of Group 35e insurance for you.