Why Insurance Groups for Vans Differ

Van insurance groups can vary quite considerably even between models of the same van. So you need to understand what insurance band your van falls into so that you know how the grouping will affect the cost of your premiums. It’s also worth bearing in mind if you have yet to buy your van so that you can reduce the insurance cost based on the group.

There is a governing body, made up of a number of representatives including Lloyds Market Association and the Association of British Insurers who regularly re-assess the list of categories to make sure that the list reflects the current market. This results in vans regularly changing from one group to another based on recent trends of claims. For the cheapest to insure vans you should keep to the lower end of the scale of groups so aim for a van that falls into the 1 to 5 range.

Makes in the Lower Groups include

Groups 1 to 5 – Citroen Berlingo, Citroen Nemo, Fiet Doblo, Fiat Florini, Ford Fiesta Van, Peugeot 206 Van, Peugeot 207 Van, Peugeot Bipper, Peugeot Partner, Renault Kangoo, Renault New Trafic, Vauxhall Combo, Vauxhall Corsa Van, Vauxhall Vivaro
If none of these are an option the next best choice would be one of these brands which straddle the lower end of the lists.
Groups 3 to 7 – Citroen Dispatch, Ford Transit Connect, Nissan Kubistar, Nissan Primastar, Nissan Vannette
However, don’t forget that these listing will change from time to time and models will change their place in the listings. It is also possible that models will appear in more than one band.

What Criteria Decides a Van’s Position in These Groups

There are six things that the governing panel look at when deciding which groups a van will find itself in and these roughly equate to

  • Size – The most obvious fact is a vehicle’s size with small vehicles being easier to drive therefore a lower risk to insure.
  • Weight – The same thing applies to a van’s weight, the heavier it is the more difficult it becomes to drive.
  • Engine size – As with car insurance, the higher the vehicle’s performance the greater the chance of an accident.
  • Cost of Repairs – This makes up two factors the first being if the parts needed to repair your van are expensive and the second being that if it is difficult and labour intensive to fix then the chances are that it will fall into a higher group.
  • Security – The harder it is for your van to be broken into or stolen will help to ensure that it is in a lower group.

As you can see, like most areas in the insurance industry the insurance group your van fits into is not straightforward but with the Quotezone comparison tool you can quickly compare policies from over 40 insurers no matter what van insurance group you find yourself in.