Getting Screwed for insuring my 325. HELP

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   Hi Nigel! I might just do that...see what they say. i mean, if it only saves me what i pay for the tuition, then it will be worth it, coz i should.....SHOULD be a better driver for it, which means theres less chance of me writing off my beloved Beemer!!! 
Simon, the haggling is coming VERY SHORTLY.... lol...... where r u from then? what part of wales? Im originally from Caerphilly, just outside Cardiff, but now i live in Carmarthen, West Wales. Just out of curiosity, are you fully comp of TPFT on the insurance? Bare in mind that you're 5 years older than me.... the fall in cost is pretty good isnt it?
Steve, how about this for a laugh.... Elephant wanted �2189 for an UNMODIFIED version of my car......now add SPAX Gas adjustable shocks which lowers the car 20mm, and a Green Induction kit (both were on the car when i bought it) and you get some idea of the prices im getting quoted! �350 is pretty good to be honest - my mum pays �290 for a H reg 318i (E30), so i dont think you're doing too bad on that one to be honest! lol
Nice to speak to you all though guys!

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SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 30-November-2003 at 20:40
	Hi Nigel! I might just do that...see what they say. i mean, if it only saves me what i pay for the tuition, then it will be worth it, coz i should.....SHOULD be a better driver for it, which means theres less chance of me writing off my beloved Beemer!!! Simon, the haggling is coming VERY SHORTLY.... lol...... where r u from then? what part of wales? Im originally from Caerphilly, just outside Cardiff, but now i live in Carmarthen, West Wales. Just out of curiosity, are you fully comp of TPFT on the insurance? Bare in mind that you're 5 years older than me.... the fall in cost is pretty good isnt it? Steve, how about this for a laugh.... Elephant wanted �2189 for an UNMODIFIED version of my car......now add SPAX Gas adjustable shocks which lowers the car 20mm, and a Green Induction kit (both were on the car when i bought it) and you get some idea of the prices im getting quoted! �350 is pretty good to be honest - my mum pays �290 for a H reg 318i (E30), so i dont think you're doing too bad on that one to be honest! lol Nice to speak to you all though guys!
	Long live the metal-bumper massiv!

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Simon325i sport Members Profile Send Private Message Find Members Posts Add to Buddy List Really Senior Member II Joined: 13-November-2003 Location: South Wales Status: Offline Points: 1022	Posted: 01-December-2003 at 06:38
	Hi scott I'm from Maesteg the insurance is fully comp and garaged. You could try a limited mileage. Have you tried www.directline.com worth a try. Get as many quotes as poss.

dbanbery Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Senior Member II David S Banbery [L/20973] Joined: 05-August-2003 Location: United Kingdom Status: Offline Points: 235	Posted: 01-December-2003 at 12:21
	im with sharp insurance, try 08700550020 (the customer service line) and get a quote... they gave me a quote of 1550tpft for my 86 e30... dammit scott you know me... sorry i didnt give you the number before..

SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 02-December-2003 at 13:53
	Thanks Simon, but i have 1 problem - modifications.....directline wont touch me coz of 1)the power of the car, 2)my age, 3) the mods. Hey Banbery! long time no speaks! its ok about the insurance number- im a patient kinda guy u know! lol cheers
	Long live the metal-bumper massiv!

dbanbery Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Senior Member II David S Banbery [L/20973] Joined: 05-August-2003 Location: United Kingdom Status: Offline Points: 235	Posted: 02-December-2003 at 15:58
	no worries mate... good that youre patient hehe cos im forgetful!!

Peter Fenwick Members Profile Send Private Message Find Members Posts Add to Buddy List Bavarian-Board Contributor Joined: 27-August-2003 Location: Lost somewhere in time... Status: Offline Points: 6484	Posted: 02-December-2003 at 16:11
	Scott, I am affraid there is nothing you can do that will get you cheap insurance except get older or get a smaller car. I'm 28 and I have just renewed my insurance on my 328 and had a similar experience to Webdunk, a lot of places won't touch you until your 30, never mind 19! I have gone through privillage who quoted me �530, the next best was Adrian flux at about �535. No one else got below �700, and thats with 6 years no claims bonus You could always try removing the modifications as these will not help. I knew a lad your age who was paying �1500 for a 2.0 8v Calibra! so I'm not supprised at the quotes you have been getting.
	Entering an age of Austerity and now driving a Focus Diesel.

SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 02-December-2003 at 16:43
	Hi peter, i'd love to try a quote without the mods, but, to put it back to standard would cost the same as my insurance, so it cant be done. Saying that, tesco wanted the best part of �1850 for a standard 325 with no mods, and privaledge wont even listen to my name, let alone the make and model of my car!!! �1500 wouldnt bother me....although i wouldnt pay �1500 ins' for a scabby 8v calibra........... a 24v 4x4 MAYBE, but not an 8!!! Best stick with me beemer methinks!
	Long live the metal-bumper massiv!

Ascotgrun Members Profile Send Private Message Find Members Posts Add to Buddy List Groupie Joined: 12-November-2003 Location: United Kingdom Status: Offline Points: 66	Posted: 04-December-2003 at 08:17
	Norwich Union was offering a 30% discount if you signed up for their road recovery policy at the same time. The recovery was only about �60 and based on the quotes you have been getting, spending that �60 could save you up to �500. Try adding your parents to your policy as secondary drivers as that can sometimes lower your premiums. They wouldn't be affected if you made a claim. Have you done a Pass Plus course?, are you still able to?. That can save you money too as I think it adds a year of no-claims to your history.
	1995 520i SE

dbanbery Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Senior Member II David S Banbery [L/20973] Joined: 05-August-2003 Location: United Kingdom Status: Offline Points: 235	Posted: 04-December-2003 at 12:21
	pass plus is useless unless you have no NCB..... its becomes inactive as soon as you get NCB... not worth the �300 since its still what you will save... norwich union quoted me 3k for my car on my moms policy with me as a named driver... my mom is 43 with no NCB(been on my dads insurance all her life)... and the car is in my signiture.... when i got to 1550 quote all the big companies i rang said that they were "not competitive" one guy said with a welsh accent which i found quite funny... calibras are cavaliers..... cavaliers suck

dbanbery Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Senior Member II David S Banbery [L/20973] Joined: 05-August-2003 Location: United Kingdom Status: Offline Points: 235	Posted: 04-December-2003 at 12:24
	thats because its a priviledge scott.

SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 04-December-2003 at 20:09
	Ascotgrun - this stuff about Norwich Union...Is that right? it cant be??? surely??? ye, ive done a pass-plus, but it doesnt make a difference now- dbanbery is spot on with his comment-insurance couldnt care less if ive done a pass plus. it doesnt carry any weight now. Ive also thought about "stretching the truth" and putting my mother on my policy, but it doesnt change much!
	Long live the metal-bumper massiv!

dbanbery Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Senior Member II David S Banbery [L/20973] Joined: 05-August-2003 Location: United Kingdom Status: Offline Points: 235	Posted: 04-December-2003 at 23:29
	i told them when i had a quote on mine that id held my license about 2 years... in reality it was 1 year 10 months or summat... thats not lying tho... if they dont ask you dont mention lol..

dbanbery Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Senior Member II David S Banbery [L/20973] Joined: 05-August-2003 Location: United Kingdom Status: Offline Points: 235	Posted: 04-December-2003 at 23:34
	just checked out my insurance for next year and ill be paying �900 on my car when i come to renew it.. cheap as chips ans that idiot off bargain hunt would say..thats �650 less than what im paying this year

SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 05-December-2003 at 14:31
	900 notes is pretty good dbanbery! i hope mine comes down that much!especially on a 325! looks as if im stuck with �1700 though...oh well, never mind.....could always try asking if they will insure me for 3 months (until my 2nd year of NCB comes allong) maybe that will change things (doubt it tho!) Looking forward to going to my first BMW CC GB meet.....does anybody know which ones will be next? as a cant seem to make sence of where my nearest one would be. (im in west wales in case anyone knows)
	Long live the metal-bumper massiv!

Ascotgrun Members Profile Send Private Message Find Members Posts Add to Buddy List Groupie Joined: 12-November-2003 Location: United Kingdom Status: Offline Points: 66	Posted: 06-December-2003 at 09:45
	I just got my Norwich Union policy on Oct 30th. They were doing an introductory deal for their new roadside coverage. Sign up for roadside cover and get 30% off your insurance. I wound up paying �20 less for my policy with the roadside cover than I would have paid without the cover. Of course my initial quote was only �390 (I think) so 30% of that wouldn't be as much of a savings as 30% of �1500. When I got the policy the girl on the phone said that by adding my wife my premiums would be reduced even more. I think the insurance companies believe that if there is another driver using the car then there is less chance of you smashing it. I have no clue how much cheaper it is though. Could be a savings of 50p for all I know.
	1995 520i SE

SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 06-December-2003 at 18:59
	Sounds like you work for Norwich Union Ascotgrun! I tried adding my mum to my policy, but it works out MORE EXPENSIVE because she has points on her licence. Never thought THAT would happen.
	Long live the metal-bumper massiv!

Nigel Members Profile Send Private Message Find Members Posts Add to Buddy List Moderator Group Joined: 09-November-2002 Status: Offline Points: 6941	Posted: 06-December-2003 at 19:10
	Scott Did you try seeing what they said if you asked about the advanced test ? I'm interested as I'm waiting for my test to come through.
	Best Wishes Nigel

SCOTT325SE Members Profile Send Private Message Find Members Posts Visit Members Homepage Add to Buddy List Groupie Joined: 12-October-2003 Location: Cardiff or Carmarthen, Wales Status: Offline Points: 56	Posted: 06-December-2003 at 19:13
	No, i havnt phoned Adrian Flux again YET.....but i will do When i do, i'll post my findings on here so everyone can see the benefits (if any) and maybe we can get some reasonable quotes for our Beloved BM's.
	Long live the metal-bumper massiv!

Nigel Members Profile Send Private Message Find Members Posts Add to Buddy List Moderator Group Joined: 09-November-2002 Status: Offline Points: 6941	Posted: 06-December-2003 at 19:22
	Scott I've just looked through one of thier full member mags,(the lady who's been teaching me gave it to me, your not a full member until you pass the test). They have a company called IAM Select Insurance 08457 023160 Might be worth a try, mines not due until next March for the beemer.
	Best Wishes Nigel

Ascotgrun Members Profile Send Private Message Find Members Posts Add to Buddy List Groupie Joined: 12-November-2003 Location: United Kingdom Status: Offline Points: 66	Posted: 06-December-2003 at 20:09
	Nope, I don't work for Norwich Union (or anyone else for that matter), just passing on my experience with them. If additional drivers have points or worse driving records than yourself, then yeah adding them won't help. Did you even ask about the 30% discount for signing up for roadside recovery policy?. I know I didn't imagine it as that was what sold me on the NU policy.
	1995 520i SE