Insurance Groups

[Capt Sisko]

Picking up from bonio's post in the cheapest A2 insurance topic (and thanks for finding that, it's very interesting) there are some interesting anomalies.

 

My R1250RT is group 12, as is the Husqvarna 401 Vipilen. My RT has horrendously expensive panniers & bodywork that will can get damage in the most minor of drops. The Vilipen doesn't. My RT has sticky out cylinders that can also easily get damaged, the Huskvarna doesn't and the said BMW 1250cc engine produces 136bhp as opposed to the Husky's 373cc / 45bhp. Throw in how expensive an RT to buy is compared to Vipilen and it just doesn't make sense.  A Triumph Speed Twin and the Kawasaki Z900RE are also in the same group.  Makes you wonder what criteria the insurance use to place a bike in a particular group, (not that I'm complaining if my RT is in a lower group that it ought to be).

 

Anyone else feeling a bit smug or thinking, hey, that's unfair?

 

Make	Model	Motorcycle Insurance Group
AJS	JSM 50 Motard	2
AJS	Isaba 125	3
AJS	Highway Star 125	3
AJS	Tempest Scrambler	3
AJS	Cadwell 125	3
Rieju	Mrt50 LC SM Trophy	3
Rieju	Mrt50 Pro SM	3
Rieju	RS3 50LC	3
Rieju	Tango 50	3
Benelli	TNT125	4
Benelli	BN125	4
Yamaha	YS125	4
Honda	CB125F	5
Honda	MSX 125 / Monkey	5
KTM	Freeride 250/350	5
Suzuki	RV125 / RV200 / Van Van	5
WK	125 Sport	5
KTM	E-Ride E-SX, E-XC, E-SM	6
Kymco	VSR 125I	6
Lexmoto	Adrenalin	6
Lexmoto	Arizona 125	6
Lexmoto	Assault 125	6
Lexmoto	Tempest	6
Lexmoto	Valiant	6
Lexmoto	XTR S 125	6
Lexmoto	ZSX 125	6
Lexmoto	LXR125	6
Mash	Black Seven 125	6
Mash	Dirt Track 125	6
Mash	Falcone 125	6
Mutt	Mongerel 125	6
Rieju	Mrt125 SM	6
Rieju	RS3 125LC	6
Rieju	Tango 125	6
SFM	ZX125	6
Sinnis	Bomber 125	6
Sinnis	Cafe 125	6
Sinnis	Max II	6
Sinnis	Scrambler 125	6
Sinnis	Trackstar	6
Superbyke	RMR125	6
Superbyke	RSP125	6
Yamaha	MT-125	6
Aprilia	RS4 50 Replica	7
Honda	CB125R	7
Honda	CB300R	7
Honda	CBR 125 R	7
Honda	CRF250L & Rally	7
Kawasaki	Ninja 125	7
Kawasaki	Z125	7
Keeway	Rks Sport	7
Keeway	TX125 SM	7
Mutt	Mongerel 250	7
Rieju	Century 125	7
Royal Enfield	Meteor 350	7
Royal Enfield	Bullet 500	7
Royal Enfield	Bullet Classic	7
Royal Enfield	Classic Chrome	7
Royal Enfield	Himalayan	7
Sinnis	125 Terrain	7
Sinnis	SMR125	7
Sinnis	Retrostar 250	7
Sinnis	Terrain 380	7
Suzuki	GSX-R125	7
Suzuki	GSX-S125	7
Yamaha	YZF-R125	7
Aprilia	RS 125	8
Aprilia	SX 125	8
Aprilia	Tuono 125	8
Benelli	Imperiale 400	8
Bullit	Hero 125	8
Bullit	Spirit 125	8
Herald Motor Company	Brat 125	8
Herald Motor Company	Classic 125	8
Honda	CRF300L	8
Husqvarna	125 Svartpilen	8
Kawasaki	Ninja 250 SL	8
Kawasaki	Versys-X 300	8
Kawasaki	Z250SL	8
Kawasaki	Z300	8
Kawasaki	Z400	8
KTM	125 Duke	8
KTM	390 Duke	8
KTM	RC 125	8
KTM	300 EXC TPI	8
Mash	Dirt Track 250	8
Mash	TWO FIFTY 250	8
Mash	Scrambler 400	8
Mash	Five Hundred 400	8
Royal Enfield	Continental GT 650	8
Royal Enfield	Interceptor 650	8
Suzuki	GSX-250R	8
Suzuki	V-Strom 250	8
SWM	Varez 125 / RS125R	8
SWM	Ace of Spades 125	8
SWM	GM440R	8
SWM	Superdual	8
WK	650I	8
Yamaha	MT-03	8
Yamaha	YZF-R3	8
Benelli	Tornado Naked T	9
Bullit	Hero 250	9
Daelim	VJF 125 Roadsport	9
Honda	CBR 300 R	9
Honley	Venturer 250	9
Jawa	350 Classic	9
Kawasaki	Ninja 300	9
Kawasaki	VN900 Custom	9
KTM	390 Adventure	9
KTM	RC 390	9
Mash	Dirt 650	9
Suzuki	SV650	9
Suzuki	V-Strom 650 / XT	9
SWM	Six Days 440	9
Benelli	BN 251	10
Benelli	BN 302	10
Benelli	Tornado 302R	10
BMW	G310GS	10
BMW	G310R	10
Ducati	Scrambler Sixty2	10
Herald Motor Company	Classic 250	10
Herald Motor Company	Classic 400	10
Honda	CB500 F C-ABS	10
Honda	CB500 X	10
Honda	CBR 500 R C-ABS	10
Honda	CMX500 Rebel	10
Honda	X-ADV	10
Kawasaki	W800 / SE / FE	10
KTM	690 Enduro R	10
Triumph	Trident 660	10
Yamaha	Tenere 700	10
Yamaha	XV950R & Racer	10
Zero	FX ZF7.2	10
Zontes	ZT310T	10
Benelli	600 I	11
Benelli	Leoncino	11
Benelli	TRK 502	11
Benelli	502 Cruiser	11
BMW	R 1200 RT	11
CF Moto	CF300SR	11
CF Moto	650GT	11
CF Moto	650MT	11
CF Moto	650NK	11
Ducati	Monster 797	11
Harley-Davidson	883 Superlow	11
Harley-Davidson	Softail Deluxe	11
Harley-Davidson	Sportster Iron 883	11
Harley-Davidson	Street 750	11
Honda	CB650F	11
Honda	CB650R	11
Honda	CBF 1000FA / GT	11
Honda	CBR 650 F	11
Honda	NC750S C-ABS / DCT	11
Honda	NC750X C-ABS / DCT	11
Kawasaki	Ninja 650	11
Kawasaki	Versys 1000	11
Kawasaki	Versys 650	11
Kawasaki	Vulcan S	11
Kawasaki	Z650	11
Kawasaki	Z800 / Z800E	11
Kawasaki	Z900	11
KTM	690 Duke / R	11
KTM	690 SMC R	11
Spirit	GP Sport / R	11
Spirit	Street / R	11
Suzuki	GSX-S750	11
Yamaha	MT-07	11
Yamaha	Tracer 700 / Tracer 7	11
Aprilia	Tuono 660	12
Benelli	752S	12
BMW	F 700 GS	12
BMW	F750GS	12
BMW	F 800 R	12
BMW	R1250RT	12
Ducati	Monster (937)	12
Harley-Davidson	Fat Boy	12
Harley-Davidson	Fat Glide Supreme	12
Harley-Davidson	Fat Boy Special	12
Harley-Davidson	Heritage Softail Classic	12
Honda	Africa Twin / DCT	12
Honda	CBR 650 R	12
Honda	CMX1100 Rebel	12
Honda	CRF450L	12
Honda	Crossrunner	12
Honda	VFR800F ABS	12
Honda	Vultus	12
Husqvarna	401 Svartpilen	12
Husqvarna	401 Vitpilen	12
Indian	Scout Sixty	12
Kawasaki	Z900RS	12
KTM	790 Duke	12
Moto Guzzi	V7 Anniversario	12
Moto Guzzi	V7 Special	12
Moto Guzzi	V7 Stone	12
Moto Guzzi	V85 TT	12
Moto Guzzi	V9 Bobber	12
Moto Guzzi	V9 Roamer	12
Suzuki	V-Strom 1000 / XT	12
Suzuki	V-Strom 1050 / XT	12
Triumph	Speed Twin	12
Triumph	Street Cup	12
Triumph	Street Scrambler	12
Triumph	Street Triple S / R	12
Triumph	Street Twin	12
Yamaha	SCR900 / SCR950	12
Yamaha	XSR700	12
Aprilia	Dorsoduro 900	13
Aprilia	RS660	13
BMW	F 800 GS	13
BMW	F 800 GS Adventure	13
BMW	F 850 GS	13
BMW	F 850 GS Adventure	13
BMW	F 800 GT	13
BMW	F900R	13
BMW	F900XR	13
BMW	R 1200 GS	13
BMW	R 1200 GS Adventure	13
BMW	R 1200 GS Rallye	13
BMW	R 1200 R	13
BMW	R Ninet	13
BMW	R Ninet Pure	13
BMW	R Ninet Scrambler	13
BMW	R Ninet Urban G/S	13
Ducati	Monster 1200	13
Ducati	Monster 821	13
Ducati	Scrambler Cafe Racer	13
Ducati	Scrambler Classic	13
Ducati	Scrambler Desert Sled	13
Ducati	Scrambler Full Throttle	13
Ducati	Scrambler Icon	13
Harley-Davidson	Breakout	13
Harley-Davidson	Bronx	13
Harley-Davidson	Bronx	13
Harley-Davidson	Road Glide Special	13
Harley-Davidson	Street BOB	13
Harley-Davidson	Street Glide Special	13
Harley-Davidson	Superlow 1200T	13
Honda	CB1100 EX	13
Honda	ST1300 Pan European ABS	13
Indian	Scout Bobber	13
KTM	790 Adventure	13
KTM	890 Adventure	13
KTM	890 Duke R	13
Suzuki	M1800 RBZ Intruder Boss	13
Triumph	Bonneville T100 & T100 Black	13
Triumph	Speedmaster	13
Triumph	Street Triple RS	13
Triumph	Thunderbird Commander	13
Triumph	Thunderbird LT	13
Triumph	Thunderbird Strom ABS	13
Yamaha	MT-09	13
Yamaha	MT-09 SP	13
Yamaha	Tracer 900 / Tracer 9	13
Yamaha	XSR900	13
Yamaha	XSR900 Abarth	13
Zero	S Z-Force 14.4	13
Zero	SR / F 14.4	13
Aprilia	Shiver 900	14
BMW	R 1250 GS	14
BMW	R 1250 GS Adventure	14
BMW	R 1250 GS Rallye / TE	14
BMW	R1250R	14
BMW	R 1200 RS	14
BMW	R1250RS	14
BMW	R Ninet Racer	14
CCM	Blackout	14
CCM	GP-450 Adventure	14
CCM	FT6	14
CCM	Spitfire Six	14
CCM	Spitfire Bobber	14
Ducati	Monster 1200 S	14
Ducati	Multistrada 950 / S	14
Ducati	Scrambler 1100 / Pro	14
Harley-Davidson	1200 Custom	14
Harley-Davidson	CVO Street Glide	14
Harley-Davidson	Custom 1250	14
Harley-Davidson	Forty-Eight	14
Harley-Davidson	Softail Slim	14
Honda	CB1000R	14
Honda	CB1100 RS	14
Honda	Crosstourer C-ABS / DCT	14
Honda	Crosstourer Highlander	14
Honda	VFR1200F C-ABS	14
Honda	VFR1200FD (DCT)	14
Husqvarna	701 Svartpilen	14
Husqvarna	701 Vitpilen	14
Husqvarna	701 Enduro	14
Husqvarna	701 Supermoto	14
Indian	Bobber Twenty	14
Indian	Scout	14
Indian	Springfield	14
Kawasaki	Ninja 1000SX	14
Kawasaki	VN1700 Nomad	14
Kawasaki	VN1700 Voyager	14
Kawasaki	Z1000	14
Kawasaki	Z1000 SX	14
KTM	1090 Adventure	14
KTM	1090 Adventure R	14
Moto Morini	Granpasso	14
Moto Morini	Milano	14
Moto Morini	Scrambler	14
MV Agusta	Brutale 800 / RR	14
Norton	Atlas Nomad 650	14
Suzuki	GSX-S1000	14
Suzuki	GSX-S1000FA	14
Triumph	America	14
Triumph	America LT	14
Triumph	Bonneville Bobber	14
Triumph	Explorer XR / X / A	14
Triumph	Explorer XR / X / T	14
Triumph	Speed Triple S	14
Triumph	Speed Triple R	14
Triumph	Sprint GT SE ABS	14
Triumph	Street Triple RS	14
Triumph	Tiger 800 XC / X / A	14
Triumph	Tiger 800 XR / X / T	14
Triumph	Tiger 850 Sport	14
Triumph	Tiger 900 / GT / Rally	14
Triumph	Tiger Sport 1050	14
Yamaha	Niken / GT	14
Yamaha	XT1200ZE Super Tenere	14
Zero	ZR/F	14
CCM	Foggy Edition Spitfire	15
Ducati	Multistrada 1200 DVT	15
Ducati	Multistrada 1200 / S	15
Ducati	Multistrada 1260 / S	15
Ducati	Multistrada 1260 Enduro	15
Harley-Davidson	Dyna Fat BOB	15
Harley-Davidson	Electra Glide Ultra Ltd / Low	15
Harley-Davidson	Night Rod Special	15
Harley-Davidson	Pan America	15
Harley-Davidson	Road king Clasic	15
Harley-Davidson	Roadster	15
Harley-Davidson	Street Rod	15
Harley-Davidson	V-Rod Muscle	15
Indian	Chief Classic / Vintage	15
Kawasaki	ZX-6R 636 / ABS	15
Moto Guzzi	California Touring	15
Moto Morini	1200 ZZ	15
Moto Morini	Corsaro Veloce	15
Norton	961 Commando II	15
Suzuki	GSX-R600	15
Suzuki	Katana	15
Triumph	Daytona 675 ABS	15
Triumph	Daytona 675R ABS	15
Triumph	Rocket III Roadster	15
Triumph	Speed Triple RS	15
Triumph	T120 Bonneville & Black	15
Triumph	Trophy SE	15
Victory	Gunner	15
Victory	Highball	15
Victory	Judge	15
Victory	Octane	15
Yamaha	FJR1300A / AE / AS	15
Yamaha	YZF-R6	15
BMW	S 1000 XR	16
BMW	S1000R / Sport	16
Ducati	Diavel	16
Ducati	Diavel Carbon	16
Ducati	Monster 1200 R	16
Ducati	Multistrada 1200 Enduro	16
Ducati	Supersport & S	16
Hesketh	24	16
Honda	Gold Wing F6 C	16
KTM	1290 Super Duke GT	16
KTM	1290 Super Duke R	16
Moto Guzzi	MGX-21	16
MV Agusta	Brutale 1000	16
MV Agusta	Brutale 1090 ABS	16
MV Agusta	Brutale 1090 RR ABS	16
MV Agusta	Brutale 800 Dragster / RR	16
MV Agusta	F3 675 / RC	16
MV Agusta	Rivale	16
MV Agusta	Stradale 800	16
MV Agusta	Turismo 800	16
Suzuki	GSX-R750	16
Triumph	Thruxton & R	16
Triumph	Thruxton RS	16
Yamaha	MT-10	16
Yamaha	MT-10SP	16
Aprilia	RSV4 RF / RR	17
Aprilia	RSV4 1100 Factory	17
Aprilia	Tuono V4 1100 Factory	17
Aprilia	Tuono V4 1100 RR	17
Ariel	Ace Cruiser	17
Ariel	Ace Sport	17
Ariel	Ace-R	17
Arc	Vector	17
Arch	KRGT-1	17
Avinton	GT	17
Bimota	BB3	17
Bimota	DB 8 Italia	17
Bimota	DB 8 Oronero	17
Bimota	DB11	17
Bimota	DB9 Brivido	17
Bimota	Impeto	17
Bimota	SB10 BimotaRD / X	17
Bimota	Tesi 3D	17
Bimota	Tesi H2	17
Bimota	Tesi Race Cafe	17
Bimota	H2	17
BMW	K 1600 GT	17
BMW	R18 / R18 Classic	17
BMW	M1000RR	17
BMW	S 1000 RR	17
Brough	Superior SS100	17
Ducati	Panigale V2	17
Ducati	1199 Panigale R	17
Ducati	1299 Panigale	17
Ducati	V4 Panigale	17
Ducati	V4S Panigale	17
Ducati	Panigale V4 SP	17
Ducati	V4R Panigale	17
Ducati	1299 Panigale S	17
Ducati	1299 Superleggera	17
Ducati	959 Panigale	17
Ducati	Hypermotard 939 & SP	17
Ducati	Hypermotard 950 / SP	17
Ducati	Multistrada V4 / V4S	17
Ducati	Streetfighter / S	17
Ducati	Streetfighter V4 / V4S/td>	17
Ducati	Xdiavel	17
Harley-Davidson	Dyna Wide Glide	17
Harley-Davidson	FXDR	17
Harley-Davidson	Livewire	17
Honda	CBR1000RR Fireblade	17
Honda	CBR1000RR-R	17
Honda	CBR1000RR-R SP	17
Horex	VR6	17
Indian	Challenger Dark Horse	17
Indian	Chieftain	17
Indian	FTR1200 / S / Rally	17
Indian	Roadmaster	17
Kawasaki	1400 GTR	17
Kawasaki	H2SX / SE	17
Kawasaki	Ninja H2	17
Kawasaki	Z H2	17
Kawasaki	ZX-10R	17
Kawasaki	ZX-10RR	17
Kawasaki	ZZR1400 / Performance Sport	17
KTM	1290 Adventure S	17
KTM	1290 Super Adventure R	17
KTM	1290 Super Adventure T	17
KTM	1290 SuperDuke RR	17
KTM	450 Rally	17
Lotus	C-01	17
MV Agusta	Brutale 1000RR	17
MV Agusta	Dragster RC	17
MV Agusta	F3 800 / RC	17
MV Agusta	F4 / F4 RR / F4 RC	17
MV Agusta	Rush 1000	17
MV Agusta	Superveloce 800	17
Norton	Superlight 650	17
Norton	V4 RR	17
Suzuki	GSX-R1000	17
Suzuki	GSX-R1000R	17
Suzuki	Hayabusa	17
Triumph	Rocket 3 R / GT	17
Triumph	Speed Triple 1200 RS	17
Yamaha	YZF-R1 / YZF-R1M	17

Edited November 15, 2024 by Capt Sisko

[S-Westerly]

I've no idea what group i am but at least my renewal is £90 less than last year. Of course Bennetts Wouldham charged me £200 more for less cover. I declined their offer. 

[bonio]

Bennetts were the cheapest I could find for the MV. Who are you with, @S-Westerly?

[S-Westerly]

I'm with Hastings again. For the exact same coverage and a smaller excess they were over £200 cheaper than Bennetts. It's weird, when I had the Ducati they were competitive and I used them but with the Guzzi they are miles off the pace.

[Mawsley]

I question that list. It has the Africa Twin as a lower group than the Street Bob - yet with no other changes I’ve halved my insurance.

[bonio]

3 hours ago, Mawsley said:

I question that list. It has the Africa Twin as a lower group than the Street Bob - yet with no other changes I’ve halved my insurance.

It's not impossible that the list is just journalistic fiction, I guess... Seems to me that no insurers publish their actual lists, and this is only one I've found online.

[Mawsley]

2 hours ago, bonio said:

It's not impossible that the list is just journalistic fiction, I guess... Seems to me that no insurers publish their actual lists, and this is only one I've found online.

 

I think they probably then add on a special discount for Harley riders because we make the best riders. 

[S-Westerly]

Slowest riders.

[RideWithStyles]

Oldest - along with the bmw gs and rt crew.