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Discussion Starter · #1 ·
In the UK, the S60 2.0T SE and the S80 2.4 SE are both in the same insurance group, group 14. I don't want to go back to Volvo Owner's Insurance for yet another quote as I've annoyed them enough already. The question I have is, despite the fact that both cars are in the same group and of the same second-hand value (£20k approx.), will the S80 be more to insure as it has the larger engine? And for the record, the quote I got for the S60 was superb and unbeatable. I'd like to get an S80 instead though, and let's cace it - they don't look as sporty so maybe they're less nickable?
 

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Re: S80 and S60 (UK) insurance question (oliver2015)

Oliver - Unfortunately there's no easy answer to your questions. Some insurer's would regard both cars as the same for rating, these are the ones who use just the ABI (Association of british Insurers) recommended ratings in groups 1 to 20.<p>However, some take into account things like the group suffixes, e.g. a group 14E car is one that has better than average security, and qualifies for a reduction by some insurers.<p>Some insurers use their own rating structure, I know that Tesco insurance uses a structure with 99 groups.<p>So the quotes you have for the S60 may or may not be the same for an S80.<p>Let's look at your question on why the two cars have the same basic group rating. Both cost about the same (so would mean equal claim cost to the insurer if totalled), have about the same power (180hp vs. 170hp) so are probably regarded as about equal for performance (and to insurers more speed equals bigger accidents and claims). So no great surprises that they are rated equally.<p>One thing that really affects insurance ratings though is repair costs, and I guess the S80 and S60 come out about equal here too. An example of what difference this can make is to compare some new cars with older designs. The new Renault Megane is designed to be easy to repair from front impacts up to about 10mph, the Ford Focus is similarly designed (but probably not up to that high a speed) and is a few years older design. Compare these to a similar, but older, design such as the Peugeot 306. The 306 may be in group 6 or 7, but a similar Focus could be in group 5 and the Megane even lower in group 4 - just based on the cost to repair a shunt.<p>Hope this has helped make things clearer <IMG NAME="icon" SRC="http://********************/smile/emsmile.gif" BORDER="0">
 

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Re: S80 and S60 (jmdohanlon)

Very helpful indeed. Thanks very much. Your advice was far more helpful than that of the insurers themselves (excluding Volvo Owner's, as I didn't want to annoy them yet again *smile*).<p>The main reason I posed the question (aside from not wanting to apply to VOI for yet another quote, when I know I won't be ordering one of the cars until at least July 2003) was because of my age. It seems that for anyone under 25, the only factor that matters to the insurers is the cc of the engine. One mainstream insurer told me they would offer a cheaper premium on a 2.0 litre 5-series than on a 2.5 litre Ford or similar, even though the BMW's value was almost double that of the Ford's.<p>I guess I'll just have to get in touch with VOI again and hope the S80's premium doesn't overtake that S60 quote I've already had by more than say £300.<p>Oh, and good to hear from someone in the same neck of the woods. Haven't been to Barnsley for a while but I'm often in Wakefield/Castleford, etc.<p>Have a nice weekend.
 
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