Group 46

[ChrisEdu]

How much are people paying for insurance if they have a group 46 car, eg CLS 350CDi?

My E 320CDi was group 42, I believe, and insurance was circa £200-£220.

Quotes for group 46 are coming in upwards of £400. Granted, I now have a rather recent claim, but full no claims bonus.

 

[clk320x]

I now have a rather recent claim, but full no claims bonus.

The claim inflates the base premium, having full no claims just means you have a X% discount on the base…. X% discount on a base premium of £500 will still be more than X% on a base premium of £350….

 

[ChrisEdu]

The claim inflates the base premium, having full no claims just means you have a X% discount on the base…. X% discount on a base premium of £500 will still be more than X% on a base premium of £350….

Indeed, but I was just interested in knowing what sort of prices others are paying.

 

[clk320x]

Indeed, but I was just interested in knowing what sort of prices others are paying.

Incredibly varied by postcode, age, driving history, occupation, mileage, garaged/street parking etc.

 

[Rayny]

Car Rating group is only advisory, insurance companies do not always rate according to the car group.
I've just moved from a group 12 to a group 22, the extra cost is about £27 for the 6 months remaining on the policy - an uplift of only about 5%.
Some insurers also rate on how long you have owned the vehicle - The less time you have owned a car, then the higher the premium.
Are you getting quotes for immediate start?
Have you tried getting quotes to start in say 7 days time?
In todays computerised insurance ratings it is not just each individual rating factor that affects the rating, but interlinked combinations of rating factors.

 

[ChrisEdu]

Car Rating group is only advisory, insurance companies do not always rate according to the car group.
I've just moved from a group 12 to a group 22, the extra cost is about £27 for the 6 months remaining on the policy - an uplift of only about 5%.
Some insurers also rate on how long you have owned the vehicle - The less time you have owned a car, then the higher the premium.
Are you getting quotes for immediate start?
Have you tried getting quotes to start in say 7 days time?
In todays computerised insurance ratings it is not just each individual rating factor that affects the rating, but interlinked combinations of rating factors.

I think I was looking for 7 day's time.

 

[Rayny]

I think I was looking for 7 day's time.

That is normally better than requesting quotes for an immediate start.

If your old vehicle is being written off - Have you discussed substituting the potential new vehicle onto the existing policy?

 

[ChrisEdu]

That is normally better than requesting quotes for an immediate start.

If your old vehicle is being written off - Have you discussed substituting the potential new vehicle onto the existing policy?

In passing, yes. They have said I can, but didn't say how much extra.