Information derived from the assessment of a vehicle is taken into account, including the ease of vehicle repair and the level of security.

Thatcham Research provides the ABI Group Rating Panel with information used to establish the insurance group of every private motor car registered in the UK. To find out your vehicle's insurance grouping as well as a wealth of other ratings information from Thatcham, please visit our 'My Vehicle' page.

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How it works

The Group Rating Panel is comprised from members of the Association of British Insurers (ABI) and Lloyds Market Association (LMA). Members meet monthly to set advisory motor insurance group ratings for new passenger cars in the UK, and is administered by Thatcham Research who provide the group rating scheme for private cars and light commercial vehicles and technical information used by the Group Rating Panel.

The Group Rating System relies on the internationally recognised insurance standard 15 km/h crash impact. Thatcham Research engineers then determine the cost of times and parts to return it to its pre-accident condition. The times provided, utilise the Thatcham Times System (TTS) philosophy and are accepted by the industry as standard for vehicle repair.

A vehicle’s rating is also determined by several other factors such as:

  • the new car price: reflecting variations in trim level and the cost of settlement in the event of a ‘total loss.’
  • vehicle performance: including the 0-60 mph acceleration time and top speed
  • level of overall standard fit vehicle security levels: determined by Thatcham Research’s New Vehicle Security Assessment (NVSA)
  • parts pricing:  considered from a standard list of 23 parts which are deemed to be the most commonly damaged panels and components in an accident
  • Autonomous Emergency Braking (AEB): standard fitment and their effectiveness is taken into account

In 2009, the number of insurance groups was expanded from a 1-20 system to a 1-50 system.

How the system works

Over half of all money paid out in motor insurance claims goes on repairing cars. The cost of spare parts and the times taken by repairers are therefore major factors in pricing motor insurance.

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LCV insurance Group Rating process

Thatcham Research also deliver, on behalf of the ABI, an Insurance Group Rating process for Light Commercial Vehicles (LCVs)

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