Insurance gone mad!!

doughboy · 05-26-2010, 03:46 AM

Quote:

Originally Posted by BGM

apparently I'm very young with an expensive car.. Don't really consider 25 to be all that young

You're just a child

.

Wait till you're pushing 40 then you'll realise how people in their twenties treat you like you're some kind of coffin dodger from another planet!!

BGM · 05-26-2010, 05:21 AM

Butch · 05-28-2010, 06:45 AM

Hi All,
Just for reference here is a few quotes I've just had for my 330i - I am 33 with clean license and full NCD. All quotes below included business use, courtesy car, legal cover, protected NCD, breakdown cover, alloy & tint mods...

LV - £620
Tesco - £633
Privilege - £636
Aviva - £648
Axa - £704
Admiral - £751
Virgin - £776
Zurich Connect - £814
RAC - £958
Endsleigh - £1063

I am currently with Swiftcover, and although very cheap I don't like the wording in their policy, so was looking for a different but reputable insurer this year - needless to say I went with the LV quote at £620 (total excess = £400). Hope this may be useful for some of you !

briers · 05-28-2010, 07:27 AM

Quote:

Originally Posted by Butch

I am currently with Swiftcover, and although very cheap I don't like the wording in their policy, so was looking for a different but reputable insurer this year - needless to say I went with the LV quote at £620 (total excess = £400). Hope this may be useful for some of you !

Exactly the same here

Swiftcovers wording worries me too, especially on more expensive cars.

LV look like a very solid option.

toxicnerve · 05-28-2010, 07:39 AM

What is it that worries you chaps on the Swiftcover policy?

I know ask so I know for next time my renewal is due!! Share the knowledge

jvowles · 05-28-2010, 09:07 AM

330d, 30 yrs, full NCB, 428 pounds per annum with elephant.

briers · 05-28-2010, 09:35 AM

Quote:

Originally Posted by toxicnerve

What is it that worries you chaps on the Swiftcover policy?

I know ask so I know for next time my renewal is due!! Share the knowledge

Hi Toxic

They say...
- We may choose to repair your car with recycled parts, where appropriate.
- Parts used may not have been made by the car's manufacturer but will be of a similar standard.
- If your car is damaged, we will use one of our recommended repairers to repair it. If you choose not to use them, we may not pay more than our recommended repairers would have charged and we may choose to settle the claim by a financial payment. (Basically we will use our own repairers and charge you for using BMW or give you under the odds).

These alone put me off and are very fundamental to a car insurance policy. The thought of have recycled or 3rd party parts on a decent and fairly expensive car is madness, let alone fitted by cowboys.

iken · 08-13-2010, 09:20 AM

Insurance has gone up a lot this year, 32 yrs old, clean license, full NCD on a 320d SE re-mapped is £530 cheapest without protected NCD.

Gone with Greenlight in the end (Highway) - for £550 with NCP protected...that's like the cheapest! Madness I would say...

Em135eye · 08-13-2010, 11:00 AM

Mine's gone up about £40 which is annoying - it's meant to go DOWN as you get older - one of the few benefits of ageing!

£460 with BMW insurance for me and my wife (named) - me 35, her 32, 6 years (full?) NCB, IAM driver, about as safe a postcode as you can possibly get.

Quotes ranged from £420 (Swiftcover) to £580. I wanted "good" insurance so renewed with BMW.

Insurance on the Jimny (in wife's name) is almost free!

doughboy · 08-13-2010, 04:20 PM

Quote:

Originally Posted by 335diesel

Mine's gone up about £40 which is annoying - it's meant to go DOWN as you get older!

no, it just goes up less.

BGM · 08-13-2010, 05:43 PM

Quote:

Originally Posted by doughboy

no, it just goes up less.

oh i forgot to come back to this thread with the quote i went for in the end..

after a lot of hard work, drum roll... £730 boom!

25, 4yrs no claims (protected), 1 accident, no mods...

pretty pleased with that, and should be around £500 next year with no accident on there. wooo!

grant1987 · 08-14-2010, 08:12 AM

Have you tried BMW Insurance? I know what your thinking... but i was surprised to find out they were cheaper than anyone else i could find.

Try them

0870 024 0520

Grant

BGM · 08-14-2010, 09:19 AM

yes.

no single insurance company is 'cheaper' it's different for everyone, so just gotta ring round and play them off for your business.

grant1987 · 08-14-2010, 12:34 PM

Quote:

Originally Posted by BGM

yes.

no single insurance company is 'cheaper' it's different for everyone, so just gotta ring round and play them off for your business.

Quote:

Originally Posted by grant1987

... cheaper than anyone else i could find.....

I know, they wont be cheaper for everyone, im just saying in my case they were, worth a try.

Grant

05-26-2010, 05:21 AM	#134
BGM Colonel 62 Rep 2,398 Posts Drives: F20 M140i Join Date: Oct 2009 Location: Farnborough, UK iTrader: (0)
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05-28-2010, 06:45 AM	#135
Butch Second Lieutenant 64 Rep 282 Posts Drives: E90 330i SE Auto Join Date: Oct 2009 Location: South Yorkshire, UK. iTrader: (1) Garage List 2005 330i [0.00]	Hi All, Just for reference here is a few quotes I've just had for my 330i - I am 33 with clean license and full NCD. All quotes below included business use, courtesy car, legal cover, protected NCD, breakdown cover, alloy & tint mods... LV - £620 Tesco - £633 Privilege - £636 Aviva - £648 Axa - £704 Admiral - £751 Virgin - £776 Zurich Connect - £814 RAC - £958 Endsleigh - £1063 I am currently with Swiftcover, and although very cheap I don't like the wording in their policy, so was looking for a different but reputable insurer this year - needless to say I went with the LV quote at £620 (total excess = £400). Hope this may be useful for some of you ! __________________ BMW E90 (2005) 330i SE Auto - E90Post Stickers, Exhaust Mod, Private Plates, Debadged, 19" Style 230 wheels, Toyo Non-RFT, MFD Scoops, K&N, Black Calipers/Hubs, 35% Rear Window Tints, Black/White Roundels, BMW Splitters, Blacklines, 12mm Rear Spacers, BMWP Knob... Future Mods - Drop?
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05-28-2010, 07:39 AM	#137
toxicnerve Colonel 99 Rep 2,834 Posts Drives: E92 335d M-Sport Join Date: Jul 2009 Location: UK iTrader: (2)	What is it that worries you chaps on the Swiftcover policy? I know ask so I know for next time my renewal is due!! Share the knowledge
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05-28-2010, 09:07 AM	#138
jvowles Private First Class 6 Rep 104 Posts Drives: 330D MSport E92 Join Date: Feb 2010 Location: London iTrader: (0)	330d, 30 yrs, full NCB, 428 pounds per annum with elephant.
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08-13-2010, 09:20 AM	#140
iken New Member 0 Rep 7 Posts Drives: 320d SE Join Date: May 2009 Location: UK iTrader: (0)	Insurance has gone up a lot this year, 32 yrs old, clean license, full NCD on a 320d SE re-mapped is £530 cheapest without protected NCD. Gone with Greenlight in the end (Highway) - for £550 with NCP protected...that's like the cheapest! Madness I would say...
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08-13-2010, 11:00 AM	#141
Em135eye Banned 181 Rep 4,302 Posts Drives: M135i Join Date: Jul 2009 Location: South West iTrader: (0) Garage List 2014 BMW M135i 5 door [0.00]	Mine's gone up about £40 which is annoying - it's meant to go DOWN as you get older - one of the few benefits of ageing! £460 with BMW insurance for me and my wife (named) - me 35, her 32, 6 years (full?) NCB, IAM driver, about as safe a postcode as you can possibly get. Quotes ranged from £420 (Swiftcover) to £580. I wanted "good" insurance so renewed with BMW. Insurance on the Jimny (in wife's name) is almost free!
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08-14-2010, 08:12 AM	#144
grant1987 Detailing Dog 9 Rep 105 Posts Drives: E92 Coup Join Date: Jun 2010 Location: South East, UK iTrader: (4)	Have you tried BMW Insurance? I know what your thinking... but i was surprised to find out they were cheaper than anyone else i could find. Try them 0870 024 0520 Grant __________________ The 92 is gone
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08-14-2010, 09:19 AM	#145
BGM Colonel 62 Rep 2,398 Posts Drives: F20 M140i Join Date: Oct 2009 Location: Farnborough, UK iTrader: (0)	yes. no single insurance company is 'cheaper' it's different for everyone, so just gotta ring round and play them off for your business.
	Appreciate 0 Quote