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BMW 3-Series (E90 E92) Forum
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Another Insurance Rip Off
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02-13-2013, 03:23 PM | #1 |
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Another Insurance Rip Off
This can't be beaten.
I'm 47yrs old with 30yrs driving experience, 23yrs NCD and a clean licence. My wife is 49yrs old with 3 1/2yrs experience, 3 yrs NCD and a clean licence. I have a '57' plate E92 320i and I have modified it. Mods are:- Black Kidneys, and Performance Auto Gear Shift. I have just added the Performance Rear Silencer and my insurer has now refused to insure me with my wife on my policy with this enhancement! My premium is £254 and they told me to take my wife off and "stay legal" is a further £85. Without the £85 I am not insured. Previous car was an R32 and no problems. How can they work this out? It's beyond me!! Last edited by E92MP; 02-13-2013 at 04:40 PM.. |
02-13-2013, 05:23 PM | #6 |
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admiral is quite good especially with multicar policy
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02-13-2013, 05:32 PM | #7 | |
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02-13-2013, 05:35 PM | #8 |
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02-13-2013, 05:43 PM | #10 | |
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God I feel old, lol I'm only 47 officially in June 2013. Doh!! still feel old. |
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02-13-2013, 05:45 PM | #11 | |
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My XR2 cost me that in 1989. Still look on the bright side mate, an M3 at your age!! good going, I could only afford a 1.1 Fiesta Ghia at your age. Had a young family. Dohh, still felling old! Double |
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02-13-2013, 05:47 PM | #12 |
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02-13-2013, 05:50 PM | #14 |
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02-13-2013, 06:25 PM | #15 |
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Just got a quote for an Aston Martin for me and the wife and my insurers [privilege] who have just refused me with my exhaust are happy to insure us on a £30k car for less than £500.
Utter madness IMHO! |
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02-13-2013, 06:57 PM | #17 |
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02-13-2013, 08:24 PM | #18 | |
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LOOOL, he does have more ncd than I've been alive!
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02-14-2013, 04:03 AM | #19 |
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to be fair!
£1245 for a 25 year old insured on an E92 M3 i think is pretty dam cheap! i pay similar for mine same age on a modded 325D!!!! had i known it would cost me the same to insure the M3 i would have considered! lol who are you insured with? may need to renew with them!!!
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02-14-2013, 04:43 AM | #20 | |
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They are good for modified cars. I was with Admiral until I wanted wheel spacers - wouldn't insure me at all! I am with Adrian Flux now. They didn't charge any extra for my dual exhaust conversion, plus they don't charge for "admin costs" when the policy is changed - e.g. when I transferred my reg plate. They just amend the policy and email you a copy. I am sure NJ1161 uses them too.
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02-14-2013, 06:25 AM | #21 | ||
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Mod by mod you always get hammered with a sort of minimum charge, so it will seem a lot if your premium is already low. If its that bad, just cancel the policy and go elsewhere (if that doesn't hammer you with charges too) Quote:
Now I'm with Esure (thats right my dear) they were best with all the mods, all these 'specialist' insurance brokers are s##t in my experience, they just markup other policies that you can get cheaper yourself. Bizzare. |
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02-14-2013, 06:39 AM | #22 |
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Drives: 08 E92 320d Msport
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