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Volkswagen Car Insurance

Volkswagen (VW) is one of the world’s most popular car brands with a long history of car manufacturing prestige. Originally Founded in Germany, Volkswagen has gone on to become one of the largest car manufacturing groups in the world and enjoys a dedicated global following.

Volkswagen has also enjoyed the title of best-selling car brand in the UK for two consecutive years, with future VW hybrid and electric models also expected to increase their presence in the UK market, further adding to the brand’s status among motorists.

Perhaps most famously known for their iconic role in the hippy movement thanks to campervans like the T2 Transporter of the 70s, Volkswagen has also gone on to produce over 100 different car models worldwide, most famous of these being the Beetle. Overall Volkswagen (VW) is known for the affordability and reliability of thier cars and is generally viewed as a brand that provides its customers with good value for money. VW also have their eyes set on the future, with more environmentally friendly vehicles being a priority for future Volkswagen car designs.

How much does it cost to insure a Volkswagen?

Volkswagen insurance costs will vary on many factors, including the Volkswagen model you wish to insure, your own personal driving history and of course your insurance needs. The model of VW car you drive will impact which insurance group your car falls under and so will directly impact your car insurance premiums. Volkswagen cars can range from the lowest to the highest groups, if you drive a Volkswagen car in a higher insurance group you can typically expect to pay more on your insurance premiums.

The most popular Volkswagen cars in the UK are the Polo, Golf, Passat and Tiguan. Despite Volkswagen shifting its attention toward electric and hybrid vehicles, the Iconic VW Beetle is still a popular choice among motorists for passenger cars despite being discontinued in 2003. Volkswagen cars can vary in their insurance groupings, with the Volkswagen Polo SEL 1.6 being in insurance group 9 whilst the VW Golf sits in insurance group 18 for example.

Your age, location, previous driving history such as penalty points and convictions, along with the level of coverage you choose will all impact your premium costs when you go to insure your Volkswagen.

How to insure your Volkswagen

To legally drive on UK roads in any car regardless of brand, you’ll need to have a minimum of Third-party Only insurance, or basic insurance, to cover damages you may cause to other motorists. This is to protect all motorists on UK roads from uninsured drivers and to ensure that everyone on the road is able to pay for damages that they cause while driving.

When insuring your Volkswagen you can choose from the following levels of coverage:

  • Fully comprehensive – This will cover your Volkswagen against damage from other motorists as well as fire and theft along with coverage for any damages caused to third parties.
  • Third-party, fire and theft – This covers you against damages that you may cause to third parties whilst also protecting against the costs of fire and theft.
  • Third-party only– The most basic form of insurance coverage in the UK, a Third-party only (TPO) insurance policy will protect you against damages you may cause to other motorists. You won’t be covered for your own vehicle as a result of an at-fault accident, nor will you be covered against fire and theft.

When choosing your level of cover there are some things you should be aware of before making a decision. Firstly, the most basic level of coverage is not always the cheapest. In fact, Third party insurance which is often a go-to for young and risky drivers, is now 73% more expensive than fully comprehensive car insurance for the average UK driver. This is due to the fact that insurers are aware of riskier drivers having a preference for the cheapest insurance possible.

In order to see if you are going to get the best value for your Vokswagen insurance, it pays to compare quotes for the different levels of coverage available to you. You may find it is actually cheaper for you to get more comprehensive coverage over cheaper third-party options.

What can I add to my Volkswagen insurance policy?

Whilst many motorists like the convenience of taking out a standardised insurance policy with all the necessary insurance coverage included, some may like to tailor their policy a little bit more – That’s where getting extra features added to your policy can help.

By adding extra coverage features to your policy, usually for an extra cost, you can truly tailor your Volkswagen insurance policy to better suit your needs. Some popular add-ons among motorists include:

You may not need or benefit from all the add-on coverage options that an insurer offers, however it does offer a higher degree of customability to your insurance policy if you need it.

How to get cheaper Volkswagen insurance

  • Build a no-claims discount
  • Pay a higher excess
  • Avoid unessassary extras
  • Consider black box or telematics insurance
  • Avoid traffic fines and driving convictions

If you are a young driver you can also potentially reduce your VW car insurance cost by adding an older driver such as a parent or sibling to your policy. This will reduce your risk profile to insurers and so you may be able to secure cheaper coverage.

Another way of saving on your Volkswagen insurance is to simply to compare mutilpe car insurers inorder to find the right coverage for you. Since every driver will have a differing risk profile, it is imperative that you compare which insurer will offer you the best insurance coverage for your profile regardless of what provider may have been better for others.

Quotezone can help you find the best Volkswagen coverage for you by quickly comparing multiple insurers from our panel of over 110 UK based insurance providers.

Compare Volkswagen car insurance quotes here

*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.