Car Insurance!!?? |
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Topic: Car Insurance!!?? Posted: 22-August-2005 at 16:21 |
Hi there... Can anyone recommend a reasonable insurance company? I'm just about to renew my policy. Best I've had is £500, fully comp, I'm 31, have 7 years no claims and do approx 12k a year, does this sound reasonable??? Any suggestions would be gratefully recieved, Thanks, Tim R '97' 328i ///Motorsport Convertible |
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AndyS
Really Senior Member II The Last of the Few Joined: 21-August-2003 Location: 55 � North Status: Offline Points: 1365 |
Posted: 22-August-2005 at 16:43 |
For a 328 convertible? TBH it doesn't sound bad. My last "modern"
car was a 2.4 Audi A6 2 years ago & I was paying around £500 or so
then (aged 45!)
I was having to pay £570 for the 635 but that included agreed value. It's now £250 on classic insurance. The E30 316 Touring is £250. And that's with a clean licence & NO accidents in 30 years of driving. Talk about a captive market! |
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Peter Fenwick
Bavarian-Board Contributor Joined: 27-August-2003 Location: Lost somewhere in time... Status: Offline Points: 6484 |
Posted: 22-August-2005 at 16:50 |
Give Adrian Flux a call. TBH it sounds about right, I'm 30 with 7 years no claims and I'm paying just under £500 for my 328 Edited by Peter Fenwick |
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Entering an age of Austerity and now driving a Focus Diesel.
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Posted: 22-August-2005 at 17:15 |
Thanks Andys, maybe it's not as bad as I thought, though I would have £250 voluntary and £150 compulsory excess to pay in the event of an accident. How can you get agreed value on a car? Is it only available on classic cars? I think my car is worth more than the market value, even though I could have bought a newer same car with less miles on the clock for what I paid for mine. Infact I went to see a '98' S reg 328i Conv with 50k on the clock for £1000 less, but you could tell the owner who'd had it previously regarded it as just transport, I wanted someones pride and joy. I bet if I do manage to get agreed value, it would push my premium up somewhat!! Thanks Peter for your advice, is Adrian Flux the name of the insurance company?? Or is he a broker??? Thanks again, Tim R '97' 328i ///Motorsport Convertible |
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Peter Fenwick
Bavarian-Board Contributor Joined: 27-August-2003 Location: Lost somewhere in time... Status: Offline Points: 6484 |
Posted: 22-August-2005 at 17:19 |
Entering an age of Austerity and now driving a Focus Diesel.
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Posted: 22-August-2005 at 19:37 |
Grahame_Vincent
Really Senior Member II Joined: 12-August-2004 Location: Newcastle upon Tyne Status: Offline Points: 535 |
Posted: 23-August-2005 at 06:13 |
Give esure.com a try..... Nice looking car by the way! |
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Grahame
2004 E46 325Ci Sport Coupe, Silver Grey with Black Leather and M Sports Pack II. Used to own:- 1995 E38 730i V8, Black, 18" Fox RS3's, Custom Tint Glass, with Silver Leather 1985 E30 316 Black http://www.villagephotos.com/pubgallery.asp?id_=1066854 |
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AndyS
Really Senior Member II The Last of the Few Joined: 21-August-2003 Location: 55 � North Status: Offline Points: 1365 |
Posted: 23-August-2005 at 14:24 |
I went through Chris Knott Insurance 0800 917 2274. Problem I had was most insurers thought the Six wasn't old enough for classic ins. They wanted it to be over 20 years old & limit my mileage to 5k per year. Chris Knott put me on a policy with Highway Ins & a top up policy for the agreed value. They wanted photos (both sides, front, back, interior & engine bay) & purchase invoice as proof of condition. Since in the event of a claim, the ins co. would just look in Autotrader & say 635's are £4k average so I had to cover myself. |
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speedy
Really Senior Member II Joined: 04-April-2005 Location: Chesham, buckinghamshire Status: Offline Points: 534 |
Posted: 23-August-2005 at 14:37 |
First alternative covered my 535i sport for 341 quid full comp
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1995 520i se auto 24v saloon
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Posted: 23-August-2005 at 15:45 |
Cheers Grahame, that is who I'm already with, well, I'm with Halifax but at the bottom of the letter it say's 'Insurance is arranged and administered by esure Services Limited'. Thanks for the compliment too, from what I can make out of the thumbnail of your car it looks a decent motor!! Thanks again AndyS for your input, funny you should mention Chris Knott, they are the only company to be able to beat my quote at Halifax, and I've looked on the Autotrader website for the cheapest premium on there out of the top 50 insurers, I've rang all the companies in the BMW Car Club magazine and I've rang a few brokers out of the Yellow pages today. I understand that just because one insurance company may give me a good quote but to someone else it may be expensive, it is all down to each individuals circumstances and a combination of model of car, postcode, no claims bonus and excess etc etc. Although Chris Knott can only beat my premium by £23 a year, I am tempted if you get the chance to top up the premium for the agreed value. The guy who sold me my car (With Hard Top) wanted £12k for it, that was with a warped brake disc, I could have got an 'R' reg 328i convertible for £8k at the time, but not the colours and condition I wanted or with the Hard Top, I also had to travel to London for it. Anyway, I managed to get it for £11,300. Thanks for your advice too speedy, sound reasonable!! R '97' 328i ///Motorsport Convertible |
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320ci
Really Senior Member I Joined: 09-February-2005 Location: Darlington Status: Offline Points: 251 |
Posted: 23-August-2005 at 16:18 |
I was going to say esure, I pay £409 fully comp.
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Posted: 23-August-2005 at 17:12 |
That's very good Dave, if I can get the agreed value with them I will stay, I've got till the 02/09 to decide. AndyS has got me thinking though, I think it is woth paying a bit more to get what the vehicle is actually worth. Have you seen anything of Craig lately?? Haven't heard from him for ages, but then I haven't been able to make the last two meets at Howden. I'm going to the Northern BMW and Porsche event on the 04/09 at Tatton Park, anyone else going??? Hope to meet some of you and your nice motors there! R '97' 328i ///Motorsport Convertible |
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billgates e30
Really Senior Member II Joined: 31-January-2005 Location: Tyne & Wear Status: Offline Points: 924 |
Posted: 23-August-2005 at 18:19 |
Admiral 0800 600 800 www.admiral.com
Adrian Flux 01553 777 240 www.adrianflux.co.uk AON 01384 552 670 www.aon.com A-Plan 0845 071 123 www.aplan.co.uk AXA 0800 015 4292 www.axa-motor.co.uk Bell Direct 0800 140 180 www.belldirect.co.uk Bennetts 0990 202090 www.bennetts.co.uk Bugdet 0800 028 9044 www.budgetinsurance.com Catterall 01254 695 055 www.chris-thompson.co.uk Churchill 0800 200 331 www.churchill.com Cis 08457 464646 www.cis.co.uk Confused www.confused.co.uk CoverSure (RallySure) 01829 733 880 www.dmatters.co.uk Crowthorne Insurance 01344 771626 www.crowthorne.co.uk Direct Line 0845 246 8701 uk.directline.com Elephant 0870 6080668 www.elephant.co.uk Endsleigh 0800 028 3571 www.endsleigh.co.uk Footman 0121 651 6250 www.footmanjames.co.uk Graham Sykes 0870 444 6319 www.graham-sykes.co.uk Greenlight 01277 263 030 www.greenlight-insurance.co.uk Keith Michaels 0181 642 7868 www.keithmichaels.co.uk Liverpool Victoria 0800 514 514 www.liverpoolvictoria.co.uk More Than 0800 072 4186 www.morethan.com Motor Quote Direct 0800 48 44 33 www.motorquotedirect.co.uk Nash Warren 0121 561 4484 www.nashwarren.co.uk Norwich Union 0870 242 0800 www.norwichunion.com Peart 0870 240 2972 www.peart.co.uk Peoples Choice 0800 614 824 www.peopleschoice.co.uk Performance Direct 08704 203896 www.performancedirect.co.uk Privilege Insurance 0113 292 5555 www.privilege.com Quinn Direct 0845 850 0845 www.quinn-direct.com QuoteLine Direct 0870 444 0870 www.quoteline-direct.co.uk RAC 0845 3000 755 www.rac.co.uk Sainsburys 0800 032 0000 www.sainsburysbank.co.uk/insurance Tesco's 0845 300 9900 www.tesco.com The AA 0870 606 0483 www.theaa.com Hastings Direct 0800 00 1066 www.hastingsdirect.com Esure 0845 603 7873 www.esure.com Halifax 0845 608 9913 carinsurance.halifax-online.co.uk Eagle Star 08459 45 45 67 www.eaglestar.co.uk Lloyds TSB 0800 056 3040 www.insurance.co.uk Screen Trade 0800 435 207 www.screentrade.co.uk Its4me 0870 0131 464 www.its4me.co.uk The Insurance Centre 0709 2511050 www.theinsurancecentre.co.uk |
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baur320
Really Senior Member I Joined: 10-July-2004 Location: Tyneside Status: Offline Points: 460 |
Posted: 24-August-2005 at 03:23 |
Tim, I used the Auto Trader website - you input your info and get quotes back straight away from most insurance companies - saves you phoning around. I eventually settled with Screen Trade - was nearly half of what I was currently paying for my M3. Chris, Haven't you missed one out? Mick |
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Current E30 325i, E36 M3 Evo,
Previous E21 320/4, E9 3.0 CSA, E12 525, E30 320i, E28 528i, E34 535is, E30 318i, E28 525e, E30 325i Touring, E30 Baur 327i |
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Posted: 24-August-2005 at 15:36 |
jamie (e39)528i
Really Senior Member II Joined: 03-January-2005 Location: chafford hundred essex Status: Offline Points: 1093 |
Posted: 24-August-2005 at 15:55 |
I am insured fully comp on the 528i with 9 years no claims no accidents etc and im 28 and i pay £530.00 with www.elephant.co.uk They was the cheapest by far. www.confused.com is a good site you put your details in once and they do all the hard work for you!! As i am sure you are aware the insurance game is a total minefield!! Nice looking car by the way |
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dno323i
Newbie Joined: 20-August-2005 Status: Offline Points: 17 |
Posted: 25-August-2005 at 06:29 |
I am insured with Adrian Flux fully comp £660 im 25 on 323i coupe 2.5L think thats good. try them.
Edited by dno323i |
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E46ACS
Really Senior Member II Joined: 16-April-2005 Location: Durham Status: Offline Points: 683 |
Posted: 25-August-2005 at 08:35 |
Tim , Try giving my broker a call. I have been using them for about 6 years now. I always ring round when mine is up for renewel, and they ALWAYS beat any other quote I have had. I have passed them on to serveral mates who now use them as well. 01207 592222. Premier insurance, I always speak to Gary and he sorts me out. |
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My best friend's sister's boyfriend's brother's girlfriend heard from this guy who knows this kid who's going with a girl who saw Ferris pass-out at 31 Flavours last night. I guess it's pretty serious.
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328iHull
Groupie Joined: 08-March-2005 Location: Hull Status: Offline Points: 65 |
Posted: 25-August-2005 at 14:29 |
Thanks dno323i and thanks Tim, The Cokney in the North, I like it, your not the only one, I'm from down south too, but not quite cockney!! Was looking at the pictures you'd posted from Gaydon the otherday, some nice motors, wish I could have made it! A nice E46 ACS too Thanks again for your advice, will make some enquiries! Tim R '97' 328i ///Motorsport Convertible |
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The-Bear
Senior Member I BMW...all cars are not created equal Joined: 09-May-2005 Location: Chester-le-Street Status: Offline Points: 115 |
Posted: 25-August-2005 at 15:42 |
First Alternative Online are the cheapest by FAR. Cost me £150 less for my 52 reg 330, than it did for my 96 328 sport !
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2002 E46 330i Club Sport Auto in Estoril Blue |
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