Abstract
The UK insurance industry has undergone a major revamp of the group rating
process. The scale has been extended from 20 groups to 50 groups, there is a
new formula and for the first time the calculation method is being released to
vehicle manufacturers. The clarity of the new group rating system provides a
good opportunity to reduce costs by streamlining alarm feature content without
necessarily having a negative effect on the model insurance group rating.
This study provides an up-to-date status of all mainstream UK manufacturers
and highlights the alarm feature availability and fitment policy across high,
medium and low grades. With an in depth analysis of technology trends this
research provides an essential guide to establishing a cost effective alarm
strategy.
Table of Contents
1. Executive summary
- 1.1 Introduction
- 1.2 Conclusions
- 1.3 Future changes
2. Market requirements
- 2.1 Fitment by insurance group
- 2.2 Fitment of CAT 1 systems
- 2.3 Vehicle manufacturers fitment strategy
- 2.4 Expected changes
3. Customer requirements
- 3.1 Optional alarm systems
4. Alarm features
- 4.1 Fitment of interior detection
- 4.2 Fitment of Glass Break Sensors (GBS)
- 4.3 Fitment of tilt sensors
- 4.4 Siren location
- 4.5 Operation of the alarm using the mechanical key
5. Alarm fitment by manufacturer
- 5.1 BMW AG
- 5.2 Chrysler LLC
- 5.3 Daimler AG
- 5.4 Fiat S.p.A
- 5.5 Ford Motor Company
- 5.6 Fuji Heavy Industries
- 5.7 General Motors Corporation
- 5.8 Honda Motor Company
- 5.9 Hyundai Kia Motor Company
- 5.10 Mitsubishi Motors Corporation
- 5.11 Nissan Motors
- 5.12 PSA Peugeot Citroen
- 5.13 Porsche SE
- 5.14 Renault S.A
- 5.15 TATA Motors
- 5.16 Toyota Motor Corporation
- 5.17 Volkswagen Audi Group
LIST OF FIGURES
- Fig. 1 How the NVSA influence the initial group rating
- Fig. 2 Alarm system contribution in the NVSA
- Fig. 3 Alarm system fitment by insurance group
- Fig. 4 Vehicles with a ' D' rating and insufficient alarm
- Fig. 5 Overall UK alarm fitment in 2005 and 2009
- Fig. 6 Optional alarm availability by insurance band
- Fig. 7 Alarm system features
- Fig. 8 Interior sensor type by vehicle manufacturer
- Fig. 9 Interior sensor type on convertible vehicles
- Fig. 10 Glass break sensor type by vehicle manufacturer
- Fig. 11 Siren location breakdown
- Fig. 12 Siren location map
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