Insurance group vs premium – the difference that actually matters
Thatcham insurance groups rate the car. Your premium rates you. Here's the honest difference and the levers that actually cut your quote.
Key figures
- What actually moves the quote
- How to read a TCC insurance page
- FAQ
Frequently asked questions
Does a low insurance group always mean a cheap quote?
No. Insurance group reflects the car's risk and repair cost only. Your age, postcode, claims history, mileage and cover type usually move the quote more than the car does.
What is Thatcham Group Rating?
A 1–50 industry rating set by Thatcham Research based on damage severity, parts cost, repair time, performance and security. Insurers use it as a starting input – not the whole calculation.
Can I have a group 5 car and still get a £2,000 quote?
Yes – easily, if you're a young or newly-licensed driver in a high-risk postcode. The car helps; the driver profile usually decides.