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Car Insurance

Car Insurance
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Hot Looks, Cool Premium Cost

Insurers rate high-performance cars towards the upper end of the risk scale. Sportier, larger-engined cars are safe enough when driven within their limits, but there's always the temptation to push your luck...

Insurance ratings reflect this: the humble Ford Focus 1.4 CL is in Insurance Group 4 (IG 4); the 145-mph Focus RS - a family hatchback on steroids - is up at IG 16. Rule of thumb: the more powerful the engine, the greater the risk and the higher the IG.

Younger drivers like cars that look 'hot' but they can't afford huge insurance premiums. Fortunately, manufacturers have produced 'warm' models that have the visual appeal of sports models, are fun to drive, but fall into affordable insurance groups. Here's a round-up of some popular choices:

HOT IG vs WARM IG
CitroŽn Saxo 1.6 16v VTS 14 CitroŽn Saxo 1.6 16v VTR 7
Fiat Punto 1.8 HGT 10 Fiat Punto 1.2 Sporting 7
Ford Puma 1.7i Ford Racing 15 Ford Puma 1.4i 9
Ford Focus 2.0 ST170 15 Ford Focus 2.0 Zetec ESP 8
Honda Civic 2.0 VTEC Type-R 17 Honda Civic 1.6 VTEC SE Sport 6
Renault Clio 2.0 Renaultsport 172 16 Renault Clio 1.6 Dynamique 10
SEAT Ibiza 1.8 20V-T Cupra 15 SEAT Ibiza 1.6 Sport 7
Vauxhall Astra 2.2 SRi 13 Vauxhall Astra 1.6 Sport 6
Vauxhall Vectra 2.6 GSi 16 Vauxhall Vectra 1.8 SRi 120 11
VW Golf 2.8 V6 4-MOTION 17 VW Golf 2.0 GTi 10