When it comes to choosing a work van, knowing about van insurance groups can make a big difference to your ongoing costs. In fact, your insurance group is one of the main things insurers use to calculate the price of your commercial van insurance.
Among the various van brands available in the UK, Nissan stands out for its wide range of models. And each one has its own insurance group rating.
In this guide, we’ll take a close look at the different Nissan van insurance groups, helping you to make the right choice for your business.
Nissan van insurance group ratings
Insurance groups for vans are categorised from 1 to 20 for older vehicles, and 21-50 for vans registered after 2016. These ratings are set by the Association of British Insurers (ABI).
These groups help determine the cost of insurance based on things like repair costs, safety features, engine power and the risk of theft. Here are a few of the more popular Nissan models and their insurance groups:
The Nissan Kubistar tends to fall into insurance groups 4 to 6. It's renowned for its compact dimensions and fuel efficiency, making it an economical choice for drivers and businesses working in urban areas.
The Nissan Navara pickup truck falls within insurance groups 11 to 12. Its sturdy construction and off-road capability can make it a more costly insurance option.
The Nissan NV200 usually falls into insurance groups 5 to 11. Its versatility as both a compact cargo van and a passenger transporter accounts for its wide insurance group span.
The Nissan NV400 is commonly categorised in insurance groups 12 to 15. As a larger commercial vehicle designed for handling heavy loads, it tends to fall into a slightly higher insurance group.
The Nissan Primastar is a medium-sized van with an insurance group range of 4 to 6. It strikes a nice balance between cargo size and ease of handling, placing it towards the more affordable end of the insurance group rankings.
The Nissan Interstar is a large van capable of carrying big loads. Its heavier weight and more powerful engine places it in a higher insurance group, usually somewhere in the range of 12 to 16.
Nissan Terrano & Terrano II
The Nissan Terrano and Terrano II tend to be insured in groups 16 and above. Their larger engine sizes and four-wheel drive systems raise them to a higher insurance group.
The Nissan Vannette will usually fall into insurance group 6. Commonly converted into a small camper or used for lighter work, it offers the advantage of lower insurance costs.
Things that can affect Nissan van insurance groups
Several factors contribute to the insurance group rating of a Nissan van:
- Size and weight: Larger and heavier vehicles like the NV400 are typically more expensive to insure than smaller models like the Kubistar.
- Engine size: Vans with larger, more powerful engines, like the Terrano, fall into higher insurance groups. This is due to their higher speeds and potential to cause more damage in an accident.
- Repair costs: Models with readily available parts and lower repair costs, such as the Primastar, are often cheaper to insure.
- Security: Vans with advanced security features, such as factory-fitted Thatcham-approved alarms and immobilisers, are likely to be in lower insurance groups.
Understanding subgroups and variations
Each Nissan van model can come in various trims and configurations, affecting its overall insurance group. For example, a short wheelbase (SWB) low-roof Nissan NV400 will generally be cheaper to insure than a long wheelbase (LWB), larger version of the same van.
You might notice some letters and numbers after your insurance group (for example, E, A, T1 or T2). These subgroups indicate that a van has certain added features, or a specific intended use.
Choosing the right van for you
If you’re in the market for a new Nissan van, it’s important to assess not just the model, but also the specific features and characteristics of each vehicle.
By understanding van insurance groups, and the factors that affect them, you can make a more informed decision to help balance cost with the cover you need.
Here at Zego, we specialise in flexible, tailored insurance for commercial van drivers and businesses. Get a quote today and we’ll give you a price instantly.