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Which cars have the highest accident rates?

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A car insurance comparison site has compiled a survey to find which make and model of car has the highest accident rates according to 12 months’ worth of customer car insurance quotes. The results are:

1) Top of the list was Honda’s FR-V six-seater: between them, 2,529 owners of these vehicles made 466 accident claims in the past five years. That’s a claim rate of 18.4%  or almost one in five.

2) Next came Volvo’s XC90: of the 3,886 drivers of this model who bought cover through the car insurance comparison site, 619 made claims for accidents – a rate of 15.9%.

3) The Lexus RX had a claim rate of 15.5% (574 claims out of 3,701 drivers), followed by the Mazda 5 (15.3%, or 373 out of 2,431).

Also in the top 10 vehicles for claims were Honda’s Jazz and CR-V models, Volkswagen’s Touran, the Hyundai Santa, the Toyota Rav and the Mazda 3. The survey showed that each had a rate of about one accident claim for every seven vehicles insured.

Lowest claim rates

The survey also looked at which cars were least likely to be involved in accident claims.

Apparently the ‘safest’ of all cars 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.

The statistics which were compiled by, show just a snapshot of accident-related claims made by owners of a particular make and model of vehicle. Therefore it must be stressed 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 customers: other companies’ figures could show different trends. Figures are based on quotes from the car insurance comparison site, between 11 May 2010 and 11 May 2011, based on all types of accident claims: this means those where the driver of a particular vehicle was at fault as well as cases where the other party took responsibility, and claims where no blame could be apportioned.

.   By Ben Malkin

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