Finding affordable car insurance is a minefield. Insurance companies insist they work to a transparent and logical set of metrics, their systems calculating an applicant’s risk level with no scope for random guesswork or wanton spitefulness.
But if you’ve ever shopped for insurance, you’ll know it doesn’t seem to work like that. Generally, trying to get insured is a bit more of a lottery. (Come to think of it, more of an inverse lottery, where the surprise comes from having a large amount of money extracted from your bank account rather than deposited in it.)
Phone up any given insurance company one day, you’ll get an eye-watering, impossibly high quote. Phone back a couple of days later, while affecting a different accent and wearing a fake moustache, and you might end up with an inexplicably lower figure. Or, more likely, an inexplicably even-higher figure.
So far as Top Gear can ascertain, the only route to a genuinely affordable insurance quote is to miraculously transform yourself into a 55-year-old lady from Herefordshire with a couple of decades’ no-claims bonus. (If you’re reading this and you’re already a 55-year-old lady from Herefordshire, top work and hope you’re enjoying your £10-a-year cover.)
But if you’re not a 55-year-old lady from Herefordshire, the following list of new cars represents your best chance of affordable insurance, all residing in the lowest two insurance groups. If you can’t get insured on these, you’re not getting insured on anything…