5 stars with ADAP
4 stars without it.
If your car has ADAP make sure your car insurers are made aware and get a reduced premium.
http://www.euroncap.com/en/results/kia/niro/25042
Euro Niro Safety Rating
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- Posts: 21
- Joined: Mon Dec 04, 2017 5:29 pm
I told my insurance that it had it as it's a trim 4 however thay had never heard of adap and it's a Standard on that model
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- Posts: 49
- Joined: Sat Dec 02, 2017 12:43 pm
Group ratings for cars are assigned by Thatcham, the insurers research centre at would you believe it Thatcham near Newbury. The ‘4’ has an insurance group rating of 12, the ‘3’ has a group rating of 14 so the advisary group ratings compiled by Thatcham do reflect the benefits of autonomous braking, so your ‘4’ should be cheaper to insure than a ‘3’. The ‘1’, ‘2’ & ‘4’ are group 12, the ‘3’ is 14 and the PHEV is 13. The group ratings are an evaluation of repair costs and performance and other factors as explained here,
https://www.thatcham.org/myvehicle/search
Thatcham Research is the motor insurers’ automotive research centre. Established by the motor insurance industry in 1969, the centre’s main aim is to contain or reduce the cost of motor insurance claims whilst maintaining safety standards. They have the technical expertise and facilities to assess cars, I had an interesting visit many years ago.
They are given new cars by manufacturers ahead of launch so they can take cars apart and work out repair costs, they evaulate safety features. They need to get their hands on new cars before they go on sale so they can assess the group ratings. Presumably the ‘3’ is higher rated because it is more expensive than the ‘1’ or ‘2’ and yet lacks the safety feature of AEB featured in the ‘4’ The PHEV is somewhere in between because whilst it is probably safer than a ‘3’ it is more complex and expensive to repair following an accident.
Whilst Individual insurers are not bound to follow these group ratings they usually do but if yours does not, get another quote, ask them what group rating they have allocated to your Niro. The group rating is something to consider when deciding what level trim you go for as it is an ongoing annual cost. Suggests a ‘3’ will involve higher life time insurance premiums than other models,
The poor soul you spoke to at your insurers does not need to understand every nuance of car safety or be a petrol head. You tell him your reg number, his computer tells him it is a level 4 trim with AEB and voila your car is group 12, easy peasey painting by numbers, no car knowledge required.
* Retired employee of a major insurer and looking to buy a Niro
https://www.thatcham.org/myvehicle/search
Thatcham Research is the motor insurers’ automotive research centre. Established by the motor insurance industry in 1969, the centre’s main aim is to contain or reduce the cost of motor insurance claims whilst maintaining safety standards. They have the technical expertise and facilities to assess cars, I had an interesting visit many years ago.
They are given new cars by manufacturers ahead of launch so they can take cars apart and work out repair costs, they evaulate safety features. They need to get their hands on new cars before they go on sale so they can assess the group ratings. Presumably the ‘3’ is higher rated because it is more expensive than the ‘1’ or ‘2’ and yet lacks the safety feature of AEB featured in the ‘4’ The PHEV is somewhere in between because whilst it is probably safer than a ‘3’ it is more complex and expensive to repair following an accident.
Whilst Individual insurers are not bound to follow these group ratings they usually do but if yours does not, get another quote, ask them what group rating they have allocated to your Niro. The group rating is something to consider when deciding what level trim you go for as it is an ongoing annual cost. Suggests a ‘3’ will involve higher life time insurance premiums than other models,
The poor soul you spoke to at your insurers does not need to understand every nuance of car safety or be a petrol head. You tell him your reg number, his computer tells him it is a level 4 trim with AEB and voila your car is group 12, easy peasey painting by numbers, no car knowledge required.
* Retired employee of a major insurer and looking to buy a Niro
There is some talk of this changing especially with optional equipment as insurers are finding optional radars & upgraded lights for instance increase repair costs for small knocks so may consider loading premiums for cars with options. It is a bit of a merry go round.
Niro 3 PHEV Graphite
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- Posts: 49
- Joined: Sat Dec 02, 2017 12:43 pm
Yes tricky, Thatcham has been keen on promoting safety features like these. Reduces the risk of a shunt and injury claims, however if someone hits you in a car park and clears off the repair bill goes up as cars get more compicated.
Thatcham can but evaulate a car as it is presented. It will take time to evaulate the actual accident claims cost of any new model depending on their being enough cars on the road to make a meaningful sample and therefore enough data to confirm whether Thatcham got it right.
When people first started fitting winter tyres some insurers actually increased the premium! Now most insurers subscribe to the ABI agreement which recognises that winter tyres in winter are safer than summer tyres, hence no increase in premiums .
We shall see.
Thatcham can but evaulate a car as it is presented. It will take time to evaulate the actual accident claims cost of any new model depending on their being enough cars on the road to make a meaningful sample and therefore enough data to confirm whether Thatcham got it right.
When people first started fitting winter tyres some insurers actually increased the premium! Now most insurers subscribe to the ABI agreement which recognises that winter tyres in winter are safer than summer tyres, hence no increase in premiums .
We shall see.
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