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Insurance Group 38

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Car Insurance for Group 38 

Purchasing a vehicle from Group 38 could potentially be expensive. This will depend on the value of the car as well as the insurance rates, which are impacted by the group it falls under. Group 1 is typically the cheapest car group to insure and Group 50 is usually the most expensive. So, you can expect to pay some of the highest rates in the insurance industry if you buy a vehicle like the Mercedes CLA Coupe or the VW Touareg SUV which are currently in Group 38. 

If you are searching for affordable insurance rates for a car that is in Group 38, it can be time-consuming when using conventional methods like phoning insurance companies or speaking to insurance brokers. A more modern approach like using online insurance comparison websites like Quotezone.co.uk can take a lot of the hassle out of finding the rates you want. Quotezone.co.uk does the leg work for you. With fast access to over 100 insurance providers, you should be able to find a policy that will suit your needs. 

I’m thinking of buying a car in insurance Group 38, what do I need to know? 

If you are looking at buying a car in Insurance Group 38 you are sure to have noticed that these cars can be very valuable. Consequently, they are going to be some of the most expensive cars on the market to insure.  

It is not only the value of the car that insurance companies consider when they are calculating the cost of insurance for cars in Insurance Group 38. Rather, they look at a whole range of risk factors that influence the costs of insurance. Besides the value of the vehicle, insurers consider the power and size of the engine, the costs of an accident, general repairs, and other characteristics of the vehicle. These together help the insurance company to assess the risks of insuring that car. 

If you have previously owned a car in a lower insurance group, you will have observed that the insurance premiums are lower than for cars in insurance Group 38. This is because insurance groups are rated from Groups 1 to 50 with Group 50 being the most expensive to insure. 

So ultimately, the final quote you will receive to insure a car in Group 38 will be a combination of your insurance group and other factors like your personal profile and the type and level of the policy you select. It is important that before you buy the car in Group 38, you check with insurance comparison websites like Quotezone.co.uk to find out what the insurance rates for your car will be and if you can afford them. 

What’s the average cost Group 38 car insurance? 

There is no real average insurance cost for cars in Group 38. This is because of the different cost factors that insurance companies use in conjunction with the car insurance group to calculate insurance premiums for specific cars and owners. The insurance group gives the insurer a solid starting point, but many other factors are added to give you your final insurance premium. 

These factors can include: 

  • The insurance company selected: Insurance rates can vary significantly between insurance companies. 
  • The coverage options required: The level of coverage and add-ons will influence your premiums. 
  • Your excess amount: The higher the excess you choose, the lower your premiums are likely to be. 
  • Personal profile: Your age, driving record, credit and claims history, and location where you mainly drive and park your vehicle are important factors considered by insurance companies. 

If you were to compare Group 38 insurance rates to those of lower insurance groups, you would find that they have relatively high insurance costs. This is because Group 38 cars typically include more luxurious or high-performing vehicles. These vehicles have higher market values, are more expensive to repair and replace. They can also be more prone to accidents and theft. 

To get accurate and personalised information on the cost of insuring a car in Insurance Group 38, you can use online insurance comparison websites like Quotezone.co.uk. 

What does the “e” stand for in Group 38e insurance? 

The “e” in the insurance group 38e typically signifies an additional rating or extension within the insurance group classification. An “e” classification is used to differentiate between variations or different versions of a specific car model. These typically have slightly different insurance risk factors but still belong to Group 38.  

Cars are assigned to specific insurance groups based on certain characteristics like: 

  • Repair costs  
  • Performance  
  • Market value 
  • Engine size 
  • Safety features 

The group a car is assigned to represents the baseline risk and cost associated with insuring that specific model.  

The “e” extension is used when the security features of a specific model exceed the requirement for this grouping. As a result, they have a slightly lower risk profile. This distinction is added to more accurately assess the risk associated with insuring each version of that model.  

Which makes and models fall under insurance Group 38e? 

Car insurance groups are determined by similar characteristics that vehicles share, and insurers use them to assess risk. So, although groups are not determined based on make and model, these two factors are important. 

Characteristics that determine insurance groupings can include: 

  • Market value 
  • Performance 
  • Trim levels  
  • Safety features 
  • Engine size 
  • Repair costs 

It is important to note that a vehicle’s insurance group can change as it depreciates and becomes less valuable. It can also be affected by new and improved makes and models being introduced to the market.  

To find accurate and up-to-date information on which makes and models of cars fall under insurance Group 38e, you have a few options: 

  • Contacting insurance companies directly. 
  • Consulting current insurance documents or the car’s owner’s manual. 
  • Consulting online resources from organisations like Thatcham Research, and The Association of British Insurers. 
  • Dealerships and manufacturers often also have this information available. 

A small sample of cars or variations of them that are currently in Group 38e include the Audi A4 Allroad, Land Rover Defender 110, and the Mini Countryman SUV. 

Does every insurance provider insure cars in Group 38e? 

Insurance companies have the right and freedom to insure certain groups and ignore others. 

Cars in the higher insurance groups like Group 38 may be unattractive to certain insurance companies. This is because of the added risks and costs that it takes to provide coverage for them. Some companies simply don’t have the risk appetite.  

You will also find that because Group 38 is a high group there are specialised insurers who concentrate on this market segment.  

If you are in doubt about whether you will be able to find insurance providers for a car in 38e insurance group, or are having trouble finding an insurer, visit an insurance comparison website like Quotezone.co.uk. Here you can access a wide range of quotes from a pool of over 110 insurers. 

*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.

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