The insurance website Confused.com looked at a year’s worth of customer’s quotes to find out which make and model has the highest rates of accidents in the UK. The findings reveal that the unluckiest car is the six seater Honda FR-V. Over 2500 owners have made 466 claims within the last 5 years. That’s a claim rate of nearly one in five, or 18.4%.
Second on the list was the Volvo XC90, 3,866 owners of this car have bought their insurance via Confised.com and 619 made claims, a 15.9% rate. Third is the Lexus RX, with a claim rate of 15.5% and then comes the Mazda 5, with a claim rate of 15.3%. The other models that made up the top 10 were Honda’s CR-V and Jazz; VW’s Touran, the Hyundai Santa, Toyota Rav and finally the Mazda 3.
Each of these has a rate of approximately one accident claim for every seven cars which have been insured through the insurers which are on the panel of Confused.com. As well as finding the unluckiest cars, Confused.com also looked at those vehicles that were the least likely to be involved in an accident claim.
Apparently the ‘safest’ of all was the Mazda 2 TS TD – out of a total of 1,076 owners, only nine accident claims were recorded in the last five years. That makes a claims rate of less than one in 100.
Also hovering around the 1 per cent claims-rate mark were Nissan’s Skyline, the Ford Focus RS and the Fiat Cinquecento.
Confused.com’s head of car insurance, Gareth Kloet said: “Car accidents are rarely a result of mechanical failures: they are more often caused by human error or just bad fortune. It could be that drivers of this model happen to be more careless or reckless than other motorists. Or it could simply be that this group of road users has been particularly unlucky in the period when the data was collected.”
Confused.com’s statistics show just a snapshot of accident-related claims made by owners of a particular make and model of vehicle. So it is worth stressing that if one particular car appears to have a relatively high rate of claims, it does not follow that this vehicle is inherently more dangerous than others.
This research reflects only the experience of Confused.com customers: other companies’ figures could show different trends.