The factors that decide a car's insurance group rating are: car make, model, type, series, cubic capacity, and manufacturing year.
AUTOMOBILE manufacturers and the leading insurers in the United Kingdom meet from time to time to assign what is known as 'group insurance rating' to the different cars and light commercial vehicles in the country. These ratings indicate the risk assessment of each car model, hence enable insurers to decide the premium price for each model. The insurance group rating system is widely used by insurers in the United Kingdom though the system is not binding on them.
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