VIDÉO du jour : Le sénateur Moise Jean Charles dans la cérémonie de graduation de sa fille (Voici sa réaction)

 Le sénateur Moise Jean Charles dans la cérémonie de graduation de sa fille - Regardez la VIDÉO ci-dessous...

Lapolis National Anonse yo pral pasifye Gran Ravin depi yon nèg konnenw Bandi wap pran kod

_Promoted

How are car insurance groups decided

Cars are assigned to their insurance group based on a number of factors. These include:

New car values: The new car price and specifications provide a guide to replacement and repair costs.

Damage and parts costs: The likely extent of damage to each model and the price of the parts involved also indicate repair costs, and lower costs usually mean a lower group rating.

Parts prices: A list of 23 common parts is used to compare one manufacturers' parts costs to another.

Repair times: Long repair times mean higher costs and a higher group rating. According to Thatcham Research, over half of all money paid out in motor insurance claims goes on repairing cars – so the cost of spare parts and repair times are major factors in pricing motor insurance.

Performance: High performance cars are at higher risk of frequent insurance claims, so the acceleration and top speed of vehicles are taken into account.

Safety: Vehicles fitted with AEB (Autonomous Emergency Braking) systems are more likely to avoid 'low speed front to rear' accidents and so could benefit from a lower insurance group rating.

Bumper compatibility: The alignment and structure of bumpers can help a car to receive a lower insurance rating.

Car security: Cars with security features, such as alarm or immobilisation systems and high security door locks, could see a lower insurance group. But be aware, if you lose a key or fob it will be more expensive to replace.