Volkswagen Insurance
Cheap Volkswagen Car Insurance
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Volkswagen Car Insurance
Types of car insurance for a Volkswagen
There are various types of car insurance for a VW. Your choice will mainly depend on the level of coverage you need. Here is a short breakdown of the options available.
Comprehensive car insurance for a Volkswagen
This is the most extensive cover available. Comprehensive policies cover most risks including third-party claims, damage to your car and often injuries to yourself.
Third party only VW insurance
This is the lowest level available and covers third-party liabilities when you cause damage or injury to others. It is a legal requirement in the UK to have a minimum of third party cover.
Third party, theft and fire car insurance
Third-party, theft and fire covers the essential third-party insurance required by law. It also covers you for the theft of your car, or if it’s damaged by fire.
VW drive away insurance
VW drive away insurance is a temporary but comprehensive cover that offers protection after you first buy your VW car. This lets you legally drive on roads while you organise your standard insurance.
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Additional coverage available for a Volkswagen
How can I get cheap VW car insurance quotes?
Besides shopping around for cheaper insurance quotes for your VW, there are other actions you can take to potentially reduce your premium.
Give an accurate annual mileage
Insurers typically offer lower premiums for a lower annual mileage. Cutting down, or giving an accurate yearly mileage means you don’t overpay on your insurance.
Improve the security of your Volkswagen
Improving your parking arrangements and adding extra security to your car often leads to discounts. Additional devices must be approved by your insurance provider.
Avoid making modifications to your car
Some modifications increase insurance costs because the risk of accidents is higher. If you need to keep a tight budget, avoid making unnecessary modifications to your car.
Pay your premium annually if possible
You have two ways to pay insurance. You either pay an annual lump sum or monthly premiums. Paying a lump sum is usually cheaper because monthly payments come with an additional administrative fee.
Increase your voluntary excess
You’ll have to pay an excess amount when you make a claim. If you opt for the lowest amount, your premiums could be higher. By increasing your excess amount, your premiums could be lower. This is something you can select when you take out your insurance. Just make sure you can afford the amount you choose.
Choose suitable coverage
Comprehensive cover is not always better. In some cases, it might be more cost-effective to take a lower level of cover. This is especially true if you own a cheap car. You could also opt for temporary Volkswagen car insurance if you drive your car irregularly.
Shop around and compare Volkswagen insurance quotes
We highly recommend shopping around to compare multiple Volkswagen insurance quotes. Until you’ve seen your options side-by-side you won’t know what the general price range is between insurers. You might be surprised to find that some can charge significantly more than others. Comparing quotes increases your chances of finding cheaper insurance. A comparison site like ours makes this a quick and easy process. Your quotes will be customised to suit your needs and requirements.
How much does it cost to insure a Volkswagen Golf?
This would differ from person to person. That’s because multiple factors are considered when calculating premiums. It’s not just about the car. The driver’s age, driving history, location and experience also play a significant role in the cost. This is why getting quotes that are personalised to your needs and circumstances is so important. It’s the most accurate way to find out the cost of insurance for your VW.
VW insurance groups
To help insurers quote fairly, cars are placed into insurance groups based on their engine size, performance capabilities, market value and trim. There are 50 groups, with lower groups typically costing less to insure and higher groups more.
VW Polo insurance group
VW Polo insurance groups are well-placed for those with tighter budgets. Polos with small engines and basic trim can be found as low as group 1. More expensive Polos can be as high as group 15. There is a wide range of options within this model, so the cost of insurance for a Volkswagen Polo depends on the specific Polo version and trim level.
VW Golf insurance group
The VW Golf insurance group range is even wider than VW Polos. These are typically sorted between group 7 and 39. Golfs are bigger cars with more powerful engines and a sporty design. So, while some Golf models are reasonably affordable to insure, others have more advanced technology, placing them in much higher insurance groups.
VW Up insurance group
The Volkswagen Up is considered a small city car. A supermini hatchback that’s positioned as an affordable entry-level model in Volkswagen’s lineup. Insurance groups for Up models generally range between groups 1 and 17.
WV Tiguan insurance group
The Tiguan is a SUV crossover. It comes in both front-wheel and all-wheel drive variants. Depending on the engine size, security features and trim, Tiguans are typically placed from groups 11 to 27.
VW Scirocco insurance group
Being a performance-oriented hatchback, VW Scirocco models are placed slightly higher in the range of insurance groups. With multiple engine options, Scirocco’s are typically found in the 18 – 39 range of insurance groups.
Volkswagen car insurance FAQs
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*51% of consumers could save £529.95 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 February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.