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Group 47 Car Insurance

Insurance Group 47

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Car Insurance for Group 47 

Car insurance groups are used by insurance companies to group cars according to various factors like the cost of repairing a car. The repair costs as well as the cost and availability of parts are calculated, after which the car is allocated to a group between 1 and 50. Group 1 vehicles are typically the lowest risk and lowest cost, and Group 50 are the highest risk and highest cost group. 

Cars in low-risk groups are generally cheaper to insure than cars in high-risk groups. Other factors that determine a car’s insurance group are: 

  • The car’s safety and security features 
  • The accident and claim data for the car 
  • The risk of theft 
  • The market value of the car

The cost to insure cars in insurance Group 47 is more expensive when you compare them to cars in lower insurance groups. Remember, there are other factors like the age of the driver and driving history as well as the level of coverage chosen that all affect the policy costs. If you are thinking about buying a car that falls under Group 47 insurance, it can be a smart move to get numerous quotes to compare costs and assist in your decision-making process.  

When were insurance groups introduced, and how many are there in total? 

Car insurance groups were first introduced in the 1970s. The main aim was to have a standardised system that helped insurers measure and rank cars according to their perceived insurance risk. These groups could assist with calculating premiums based on the risk of insuring all the different cars available. 

The insurance group system has 50 groups numbered from 1 to 50. Group 1 is for cars that have the lowest risk and are cheapest to insure and Group 50 is for the highest risk cars that are the most expensive to insure.
Due to continuous upgrades and new model introductions, cars change groups quite often. To get the most up-to-date information on insurance groups you can contact your insurer or visit their website for the latest information. There are other resources available such as Thatcham Research which provides up-to-date lists of car insurance groupings. 

Are cars in insurance Group 47 expensive to insure? 

Group 47 insurance costs are on the top end of the scale. Cars in insurance Group 47 have a higher level of risk and therefore higher insurance premiums. Several factors are responsible for this higher insurance cost, these include: 

  • High repair costs 
  • Expensive replacement parts 
  • High historical claims data 

However, the specific cost of insuring an insurance Group 47 car can vary due to the following considerations: 

  • The driver’s age 
  • The driver’s record on the road and claim history 
  • The neighbourhood the driver lives in 
  • The type of cover included in the policy 

To find out how much a Group 47 car will cost you to insure, you can get multiple quotes to make a thorough comparison of insurance policies with one simple form at Quotezone.co.uk.  

What’s the difference between Group 47 insurance and Group 47e insurance? 

The group rating process also examines the factory-fitted security systems of group cars. Where a group car’s security has been rated, a letter is added to the group number. The letters added are as follows: 

A = Acceptable security systems. 

D = Does not meet the requirement. 

E = Exceeds the requirement.

P = Provisional as the data is incomplete. 

U = Unacceptable. The security is below the requirement. 

G = An imported car with no rating available.

The difference between Group 47 insurance and Group 47e insurance is that the Group 47e car is a Group 47 car with very good, factory-fitted security systems. This moves it into a lower insurance group. 

Can I still insure a Group 47 car if I have previous speeding convictions? 

Getting insurance for a Group 47 car for drivers with speeding convictions can be challenging, but not impossible. Drivers can adopt these strategies to find what insurance options and premiums are available: 

  1. Obtaining quotes from multiple insurers to compare insurance Group 47e could increase the driver’s chances of getting insured. 
  2. Drivers can consider a telematics or black box policy that allows the insurer to track their driving behaviour. 
  3. Drivers can consider buying insurance from an insurer that specialises in coverage for high-performance, luxury cars like Group 47 cars.  
  4. Attending advanced driving courses can help drivers improve their driving record. 

While it might be expensive to insure a Group 47 car with speeding convictions, it is generally possible to get insurance coverage. Whether you get coverage and how much it costs depends on your driving history and the insurance company’s policies. 

Is every car in insurance Group 47e a high-performance car? 

If a car is assigned to the 47e insurance group it does not automatically mean it is a high-performance car. The group ratings are decided using several factors. There are high-performance cars in higher insurance groups due to the increased risk of accidents or theft. But there are other factors that could get the car into Group 47E. These factors are also considered: 

  • Safety Features. 
  • Repair Costs. 
  • Historical Claims Data. 
  • Theft Risk. 

There will be cars in insurance Group 47E with a range of performance ratings. The individual characteristics and risks of each car determine its insurance group rating. If you are thinking about buying a car in this group, be sure to get several quotes that take your individual details into account to compare Group 47 insurance. 

Do all Jaguars all fall within Group 47?

Whilst it is true that due to most Jaguars being high-performance luxury cars, many Jaguar cars fall into higher insurance groups. But not all Jaguar cars are in the same group. The insurance group for a specific Jaguar is based on many factors such as: 

  • Size of the engine 
  • Performance capabilities 
  • Safety features 
  • Historical claims data 

To find out which insurance group a specific Jaguar car is allocated to, contact your insurance company, visit their website for more information or consider using Thatcham Research. Group ratings are updated all the time, so it is important to check for the most current ratings. 

How can I get cheaper insurance for a Group 47 car?

Reducing your insurance Group 47 premiums can be difficult. Group 47 insurance rates are amongst the highest due to the higher insurance risk. Here are some things that you can do to reduce insurance Group 47e costs: 

  1. Compare as many quotes as possible.  
  2. Consider having your car fitted with additional safety and security features. 
  3. Look into the option of telematics or black box insurance.  
  4. Increase the amount of your voluntary excess (the amount you pay if you claim) as this can reduce your premiums. 
  5. Attend advanced driving courses to improve your driving skills.  

Although these strategies can help reduce insurance costs, the effect will vary due to your details and the policies of the insurance company. 

*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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