In message , at 10:30:55 on Wed, 3 Jul 2019,
tim... remarked:

some years ago I bought a 10 YO Fiesta Ghia

It was less well speced than the then-current GL model

but because it was a "Ghia" was in a higher insurance group

The model is a proxy for the demographic of the people who tend to buy
them, and your insurance company had decided that on balance people
buying the Ghia were worse drivers than those buying the GL. They'll
have some stats to back that up, of course.
--
Roland Perry