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The Association of British Insurers assigns every car in the UK to one of 50 car insurance groups based on factors such as value and performance. The group your car is assigned to can significantly impact the cost of cover. For example, more luxurious high-performance models occupy the upper groups, with pricier insurance.
This article focuses on group 14, a moderately-priced category that includes family hatchbacks, small SUVs and executive saloons. While these cars are more powerful than those in lower groups, these mainstream models still allow you to access relatively cheap car insurance when compared to elite vehicles in higher brackets.
Car insurance group 14 contains a range of models, including:
Factor | Description |
---|---|
Engine size | Group 14 cars tend to have 1.4- to 2.0-litre petrol or diesel engines. More power means higher premiums than for cars in lower groups. |
Repair costs | Hatchbacks are inexpensive to repair, but premium brand parts can cost more, which could increase insurance costs. |
Safety features | Models in group 14 offer core safety features, such as airbags and stability control. |
Performance | Group 14 cars aren’t high-performance vehicles, which keeps insurance premiums low, as faster acceleration and higher top speeds result in added risks (and higher costs). |
Threat of theft | Hatchbacks and family cars tend not to be appealing for theft, but some group 14 models, such as the Volkswagen Golf, are regularly targeted, thus increasing premiums. |
Driver profile | Insurers view these cars as being suitable for a wide range of drivers, unlike the lower groups, which are primarily aimed at young and new drivers, who have the highest insurance costs. |
Group 14 cars provide are a good option for: