It isn't fair and it typifies the opaque nature in which insurers work. Even though the cars have different group ratings, the data that goes through underwriting algorithms also looks at past data for that type of car. Clio are generally driven by younger, less experienced people, so there are a lot more Clio on the road than Freelander. As such they are more likely to be involved in an accident. More risk equals higher premium. The earlier ones were also very prone to being stolen, again more risk higher premium. Insurance premium tax has increased and the Ogden Rate has changed as well. This has led to premiums increasing to cover them. You're much better served finding a policy that suits your needs at a competitive price.