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 £699 for cover on a Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi 5d that is in insurance group 11 or around £646 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.
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
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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: £942 (London SE1)
Average: £699 (Newcastle NE1)
Cheap: £652 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
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 £942 for insurance for a Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi 5d, while you may pay £1,059 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 £942 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 £699. 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 £3,308 for the Volkswagen Caddy 1.6 TDI BlueMotion Tech Maxi 5d, while the average 40-year-old Londoner will only pay £824. 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:
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
Depending on the model version, you can expect a Volkswagen Caddy to reach a top speed of 130 miles per hour.
In its Euro NCAP crash tests, this vehicle achieved a 4-star rating. This rating included an 84% rating for protecting adult occupants and 78% for protecting child occupants.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Volkswagen Caddy at dealerships, using online sellers or from a current owner.
In short, yes. The Volkswagen Caddy received a 4-star rating from What Car? who praised its modern engine capabilities.
You can compare the costs of Volkswagen Caddy car insurance using any price comparison website.
The Volkswagen Caddy can be found in insurance groups ranging from 11 to 16. This means they’re at the lower end of the price scale of cars to insure.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
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Connor is a senior associate publisher at Finder, specialising in insurance and investing. He's been sourcing and analysing data in both subjects for around 4 years, supporting Finder's publishing team. Connor holds a BSc in Accounting and Finance from the University of Sussex and when he's not at work, you can find him at his local gym keeping fit. See full bio
Read our comprehensive guide and find out how much it may cost you to insure a Volkswagen Golf and how to save on your car insurance premiums.
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