Insurance group?

[Si_D]

Hi, I just discovered that my 1.25 16v Fiesta Ghia is insurance group 6. I was wondering why its that high when there are other 1.25 and 1.3 engined fiestas that are lower than that.

Explains why my insurance always seems a bit expensive...

Thanks

[maviscoull]

it could be done to the trim as isnt a ghia quite high spec ?

[homer75]

The 16 valve 1.25 engine is more powerful than the 8 valve 1.25 and 1.3 versions even though they have similar cubic capacity. The 16 valve car will be a bit quicker and therefore have a higher insurance grouping.

[Si_D]

Thanks for the answer. Shame they dont take into consideration that my car has no acceleration anymore!

[tali122]

yes a high spec trim will increase premiums -your ghia will have extra equipment over lower models that in a accident will cost more to replace

[tali122]

btw ,surely there is only a 16 valve 1.25 -and no 8valve 1.25?

[Si_D]

http://www.parkers.co.uk/choosing/insurance/?m odel_id=249

[behappy87]

It's partly because it's a ghia. I have one, and the insurance is rather high, just because of the high spec.