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

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

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

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

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

Adrian Flux is the name of the broker.

http://www.adrianflux.co.uk/ - http://www.adrianflux.co.uk/

Cheers Peter.

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

Give esure.com a try.....

Nice looking car by the way!

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!!

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

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!

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

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

Thanks Mick,

Will give them a bell to see what they can do,

Tim

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

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 http://www.elephant.co.uk - www.elephant.co.uk

They was the cheapest by far.

http://www.confused.com - 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

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.

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

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

328iHull wrote: 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 Tim

Tim, I'm not a cockney either, but as far as everyone in the North East is concerned, anyone from south of Middlesbrough is a cockney, especially if you have a "southern" accent!!!  As one of my mates from London (who is a proper cockney) once noted on a visit up here, " 'e ain't no ******* cockney!! e's form sarf of the ******* river!! "

Gaydon was a top day, great cars, people, weather etc.  I'll be organising earlier next year so make sure you can come.

Good luck with the insurance.  I hate it!  Answering the same questions over & over again! 

E46ACS wrote: 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.

	http://www.bmwcarclubforum.co.uk/edit_post.asp?M=Q&PID=189123&TPN=2">

Cheers Tim!! Nice one!

That's sorted my insurance, gave Gary a call, and he beat all quotes I'd had. Got my insurance down to £460 fully comp for my motor, highly recommended.

http://photobucket.com/albums/y48/Timsnaps/328i%20Motorsport%20Convertible/?">

R '97' 328i ///Motorsport Convertible

UOTE]

Cheers Tim!! Nice one!

That's sorted my insurance, gave Gary a call, and he beat all quotes I'd had. Got my insurance down to £460 fully comp for my motor, highly recommended.[/QUOTE]

Glad to hear it.  He has never let me down.  I'll be on the phone to him soon as mine is due.

Mine is due now, and I have rung round a bit, but still, Gary at Premier has sorted me out.  £522.  Fully Comp.  I do have full NCB, but that price includes protecting it as well.

The other problem I have, is that most insurance companies have never heard of AC Schnitzer, but mine is all covered on this policy, so I am very happy with £522!!!!

I have just run mine through the online quote on First Alternative, and it is coming out like-for-like @ £410.23, which is obviously much better!  But.....  There is no where to account for my ACS...... However, I have fed this back to Premier, and they have gone off to beat it!!!  It's not actually due until the 29th, so I have time.

That is good Tim!! £522 F/C for an ACS! I tried at least 20 numbers including some brokers, I even tried the Auto Trader where 50 companies are compared, Gary still beat them all, can't recommend Premier highly enough, and as you said Tim, year on year they beat all your quotes!

Tim.

http://photobucket.com/albums/y48/Timsnaps/Tatton/?">

R reg '98' 328i ///Motorsport Convertible

Just as an update:  I have now settled for £450, fully comp, with guaranteed NCB.  This means I can make as many claims as I like without affecting my NCB, unlike protected NCB where you are restricted to 2 claims within a certain timeframe. AND.... on this policy, if I get a second car, I will get the full NCB applying to the second car as well!!!!!

Again, this is through Premier Insurance.