Insurance Group: 2025

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Car insurance group 1 is the lowest insurance group out of all 50, meaning cars in this group are among the safest and least at risk of being involved in a theft or accident. As such, these cars are often the cheapest to insure, though there are a number of other factors that ultimately decide your premiums.
The car insurance groups system is officially called the ABI Group Rating. It was established by the insurance industry to help companies classify different vehicles when costing up insurance cover. There are more than 50 groups in the system, and every vehicle registered in the UK is assigned to one of them.
If you have insurance coverage through an employer, your insurance card will likely have an insurance group number, also known as a group plan number. Like your individual policy number, the group number on your insurance card is a code assigned to your employers insurance plan.
Group number: Identifies your employer plan. Each employer choses a package for their employees based on price, or types of coverage. This is identified through the group number. If you purchased your insurance through the health exchange you might not have a group number.
Group insurance is typically offered through employers and provides coverage to a group of employees, while individual insurance is purchased by individuals directly from insurance providers, offering personalized coverage outside of employer-sponsored plans.
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Member ID Number: identifies you, the insured. Group number: Identifies your employer plan. Each employer choses a package for their employees based on price, or types of coverage. This is identified through the group number. If you purchased your insurance through the health exchange you might not have a group number.

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