2.0T FSI Engine - Insurance Groups???

[seadragon]

I have already ordered my FR, which I am excited about but am helping a friend get her new car, she is stuck on either an A3, the FR or the GTI.

She was wondering (and me too) why the A3, FR, GTI and VRS, which all share the same engine and have the same output, are in different insurance groups:

ie, FR - Grp 14
GTI - Grp 17
VRS - Grp 15
A3 - Grp 15

Any help in clearing this up would be greatly appreciated.

She seems to be set on the GTI but she is in her early 20's and insurance would be astronomical, so I am trying to steer her towards the FR

Many thanks in advance

 

[NeilW]

Maybe because they all cost different amounts (insurance group affected by vehicle value as well as power).

 

[JohnnyDrama]

off the top of my head, because the others are more expensive to buy in the first place and replacement parts are more expensive??

 

[warren_cox]

does perceived 'theft' likelihood affect this. VRS and GTi likely to be a higher target for theft than an A3 with no shiny bits on it.

 

[DanGB]

yes as they are badged as the performance version.

 

[swoods]

From what I understand the the value (i.e group) is dictated by the cost of repair, hense why audi/VW is higher than Seat. I would imagine parts and labour costs are considered higher.

If it helps, my old TT was group 18, and the saving moving to the FR (which is faster) on group 14 is a yearly saving of just over £150 a year.

 

[seadragon]

Great thanks for that, I forgot that the cost of the car and repairs is a factor, something else for my friend to think about.

THANKS A LOT

 

[InfernalBadger]

In the case of the Golf I'd say it's mainly down to 3 letters:
GTI

I think in insurance terms it means "WILL DEFINITELY CRASH!!"

 

[Michael B]

I think its about the perceived desirability for the car to be stolen..

When I was getting insurance quotes, I priced the Golf TDI Sport 140 and the Leon FR 170 both at being valued at £16,000.. the insurance was still a little more than the leon even with having 30bhp less..