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Compare Volkswagen car insurance in the UK

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Volkswagen is one of the most popular car brands in Britain, but insuring these family-friendly models still comes at a cost. This guide examines Volkswagen car insurance rates and offers tips for finding affordable cover.

How much does it cost to insure a Volkswagen?

Annual Volkswagen insurance premiums typically range from £700 to £1,700 depending on the model, type of cover, driver details, and intended use.

Factors that increase Volkswagen insurance costs include:

  • Engine size: Vehicles with larger engines have higher premiums than vehicles with smaller engines
  • Performance models: Polo GTI TSI, Golf R Motion TSI, and Golf GTI 230 models are more expensive to insure than standard editions
  • No-claims discount (NCD): Policies without NCDs cost more
  • Driver age: Under-25s pay the most, while over-25s with experience pay less
  • Location: Inner cities have higher premiums than rural areas. Where the car is parked also matters
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What factors determine Volkswagen insurance cost?

In calculating premiums, insurers mainly examine:

Driving record

Recent accidents, traffic violations and disqualifications raise rates substantially. A clean record lowers costs.

Vehicle use

Daily driver policies cost more than those covering occasional recreational use. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for approved security devices and secure garaging, which deter theft and damage claims.

Coverage limits

Lower coverage levels reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is essential.

Tips for reducing Volkswagen insurance premiums

Here are some top ways to get cheaper Volkswagen insurance in the UK:

  • Shop around extensively and compare quotes from multiple insurers
  • Ask about discounts for multi-car policies, low mileage, experienced drivers, advanced courses and other discounts available
  • Increase voluntary excess to more than £500 to lower premiums if you can afford the extra costs when claiming
  • Add an experienced second driver, such as a partner or parent, to benefit from their safe record
  • Limit your Volkswagen to recreational use rather than daily use when possible.
  • Improve security with an approved alarm and immobiliser. Also, ensure garaging
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Finding the best Volkswagen insurance

The keys to finding affordable Volkswagen cover are shopping around, minimising risk factors and leveraging available discounts. Taking the time to compare specialist Volkswagen insurers on comparison sites yields the best savings.

Volkswagen insurance FAQs

Volkswagens typically fall into insurance groups 2 to 39 depending on the model, engine specifications, price and other factors. More powerful models sit in higher groups.

Volkswagens have a reputation for good reliability and dependability if serviced properly. Maintenance costs are moderate.

Most Volkswagens achieve five-star Euro NCAP safety ratings thanks to rigid body construction and standard driver-assistance features.

Yes, Volkswagens tend to hold value well compared to rivals, thanks to their trusted brand image and reputation.

Yes, Volkswagen offers many hybrid, plug-in hybrid and all-electric models, such as the Golf GTE, Passat Estate GTE and ID.3.

Increasing excess, limiting mileage, adding experienced drivers, improving security, choosing base models and shopping around help to reduce costs.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.