Do you know what a Car Insurance Band is? How to work out what band your car falls in?

What are Car Insurance Bands

Many of us get confused when told what band our car falls under when it comes to car insurance. The Insurance Group Rating Panel places all vehicles into 20 insurance groups/bands, band 1 is seen to have the lowest risk and band 20 the highest. The higher risk your vehicle, the more your car insurance will generally cost you.

How to work out what band your car falls in

The size of your car engine is usually a good indication of the band your car will be categorised in, the bigger the engine, the higher the band and consequently the more it will cost you. Other features like car security, weight, top speed, power and the price of spare parts will impact the band your car fits in.

The website of the insurance industry's research organisation Thatcham has an online tool that will show your car's insurance band and security rating.