Volkswagen Caddy insurance group

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The Volkswagen Caddy has been around since 1980, and first landed on European shores in 1982. It’s the smallest van in the Volkswagen range and comes in 3- or 4-door models. It’s a practical vehicle, but how practical is its insurance categorisation? Let’s find out.

What insurance group does the Volkswagen Caddy fall under?

All vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Volkswagen Caddy models range from insurance group 11 to 16, meaning they’re at the lower end of the price scale of cars to insure. As an example, a 30-year-old driver in an average postcode could pay around £731 for cover on a Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi 5d that is in insurance group 11 or around £791 for a Volkswagen Caddy 2.0 TDI 140bhp Maxi 5d DSG that is in insurance group 16. This clearly shows the impact on premium pricing that occurs when one car is in a much higher insurance group.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
1.6 TDI BlueMotion Tech Maxi 5d 11 £1,261 £731 £641 £517 Get Quote
1.6 TDI BlueMotion Tech Maxi C20 5d DSG 11 £1,261 £731 £641 £517 Get Quote
1.6 TDI Maxi 5d 11 £1,261 £731 £641 £517 Get Quote
1.6 TDI Caddy Life 5d 12 £1,281 £743 £651 £525 Get Quote
1.6 TDI Caddy Life 5d DSG 12 £1,281 £743 £651 £525 Get Quote
1.6 TDI Maxi 5d DSG 12 £1,281 £743 £651 £525 Get Quote
2.0 EcoFuel Maxi 5d 12 £1,281 £743 £651 £525 Get Quote
2.0 TDI (110bhp) 4MOTION Maxi 5d 12 £1,281 £743 £651 £525 Get Quote
2.0 TDI (140bhp) BlueMotion Tech Maxi C20 5d 15 £1,346 £781 £684 £552 Get Quote
2.0 TDI (140bhp) BlueMotion Tech Maxi C20 5d DSG 15 £1,346 £781 £684 £552 Get Quote
2.0 TDI (140bhp) Maxi 5d 16 £1,364 £791 £693 £560 Get Quote
2.0 TDI 140bhp Maxi 5d DSG 16 £1,364 £791 £693 £560 Get Quote

    Volkswagen Caddy insurance cost by location

    Among the factors that affect the cost of your car insurance premium, one of the biggest is your location.

    To show the impact of your home address, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Volkswagen Caddy 1.6 TDI Maxi 5d.

    • Expensive: £865 (London SE1)
    • Average: £731 (Newcastle NE1)
    • Cheap: £532 (Galashiels TD1)

    Which factors affect my Volkswagen Caddy insurance rate?

    Along with insurance group, there are many other key factors that have a big impact on your insurance premium costs:

    • Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £865 for insurance for a Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi 5d, while you may pay £948 for a Volkswagen Caddy 2.0 TDI 140bhp Maxi 5d DSG. So, that’s an extra £83 per year you’ll pay 2-litre engine.
    • Driver location. Insurers use your home address to determine the level of risk that your car may be stolen or involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £865 for insurance for a Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi C20 5d DSG, while the same 30-year-old in Newcastle may only pay £731. That’s an extra £83 per year that the average 30-year-old would pay in London compared to Newcastle.
    • Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £1,505 for the Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi 5d, while the average 40-year-old Londoner will only pay £788. That’s £1,023 more per year that the younger driver would pay in this scenario.

    Other factors that influence the cost of your insurance include:

    • The model and age of your car
    • Your car’s safety rating score
    • Your car’s safety rating features
    • Your car’s anti-theft precautions
    • Your annual mileage
    • Your driving history and activity
    • Your no-claim discount
    • Your marital status
    • Your credit history and job

    How can I save on my Volkswagen Caddy premium?

    Car insurance can be expensive, but you don’t need to let it break the bank. Here are some ideas to help you lower the cost of your premium.

    • Limit your annual mileage (where possible). If you can occasionally walk or use public transport, rather than using your car, this can help to save on your premium.
    • Pay annually rather than monthly. When you pay annually, you eliminate the possibility of being charged interest on monthly payments.
    • Install extra safety precautions. This makes your car safer and reduces the risk of you making a claim on your premium. That’s why many insurers are happy to lower your premium when you do so.
    • Shop around for the best deal using price comparison websites. Don’t just settle for the renewal price given to you. You’ll usually find a better deal by switching to a competitor each year.

    Facts about the Volkswagen Caddy

    • It won the Technology Award at the 2021 Company Van Today Awards.
    • The first Caddy design was based on the Volkswagen Golf Mk1.
    • The fourth generation Volkswagen Caddy was launched in 2020.

    Bottom line

    The Volkswagen Caddy is at the lower end of the car insurance premium scale. It’s similar in style and feel to the VW Golf and has some impressive safety ratings. Keep your insurance costs lower by opting to pay annually rather than monthly.

    Frequently asked questions

    *Based on data provided by Consumer Intelligence Ltd, (March ’23). 51% of car insurance customers could save £407.05
    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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