Hi all,

       Ive just got a few quotes to insure my 325iSE.....Cheapest so far is £1690.50 with Adrian Flux.

Already Tried - Livinstones, Tett Hamilton, Chris Knott, AON, Kieth Michaels, Egger Lawson, Specialist Car Division, Adrian Flux, Carol Nash, Alexander Forbes, Footman James, Norton, ClassicLine, Jardine Faber, Tescos, Directline etc etc etc........ does anyone have any other ideas? as i dont REALLY wanna pay 1700 of my hardearned pounds on insurance that i hopefully wont even need!

ANY help is ENORMOUSLY appriciated guys (and girls)

will try Bell Direct tomoro morning (thanks) do you know a number for them? I'm gonna phone rather than use the net coz i have one of those Pass Plus thingys, which acts like an extra years NCB, and you cant declare that on the net, as the websites dont have a section for it.

thanks once again!

WOW....you had an M3 at 19? nice! tried quoteline direct....wanted something stupid like £2800............ sod that! limiting the mileage doesnt make much difference to it for some reason.

ive surfed and surfed...still no luck, hense why im asking on here. this is literally my last resort to drum up some inspiration. thanks anyway though

yep, tried them too! StupidQuote.com i prefer to call them! £3,210 or sumit equally ridiculous! quote is high coz of my age and the power of the vehicle basically (oh yea, not to mention the amount of money they want to make off me!)

p.s. its nice to meet someone who appriciates their situation in owning such a beautiful car (most people with fast motors are just dissmissive and ignorant to their luck/high earnings/car)

cheers mate

thats what i thought! lol.

nope. its not a case of CANT, its a case of WONT. if i do get unlucky (or stupid) and very carefully drive my pride and joy into a concrete wall or a tree, then my parents suffer too, not just me. so i cant do that....i did THINK about it, but only for about 5 seconds!

just out of curiosity, what r u payin for ur M3?

wow!!!!!!!!!!!!!!!   i was told £945 TPFT....not interested tho!

erm...why do you go TPFT on an M3? Surely you'd want to be covered for it if you messed up a corner in the wet??? most companies wont insure me unless im 21 or 25 (gits) this wud be garaged, nearly 2yrs NCB, cat 2, 8000 miles (its my only car) no accidents, and post code is ok (west wales in middle of country side) i cant see where they get the quotes from!

Hi Nigel! In response to the question regarding the 4 cylinder models of E30, the answer is yes, i have thought about it....but I already have the car, and paid a resonably high price for it (its in fab condition and its a real looker) so i would probably lose money changing cars too, which would add up to the cost of insurance from StupiQuote.com !!!!

So thats not happening im afraid. I WOULD drop down to a 318iS, but I'd be forever looking through the freeads for a 325 and with the time i would spend doing that, i could earn enough to keep the 325. (JUST)

I appriciate your condolences, but does anybody out there know WHY insurance companies feel they have to treat us like Afgahns with an AK47 ? ? ? ? ? ? ?    

Hi Nigel,

Do you really think the Advanced Driving course will bring my insurance down that much?  Coz at that price....its worth doing it!!!! init!?

I reciprocate your feelings of the hot-pursuit stuff being left out........would be fun...especially if I could do it in my E3O-learn how to control my own motor instead of a crappy Omega.

Regarding the baldness and wrinkles - I DONT WANT TO WAIT THAT LONG to pay my insurance...needs to be done friday! Grrrrrrr!!!!

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!

Hi scott I'm from Maesteg the insurance is fully comp and garaged. You could try a limited mileage. Have you tried http://www.directline.com - www.directline.com worth a try. Get as many quotes as poss.

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

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. 

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!

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.

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.

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.

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.

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.

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.

Stupid init??????? mum drives like a snail (mum took my dads points coz he recently got a 1 month driving ban and we thought they would throw the book at him........but not that im telling you or anything..you know!)

got a quote off tesco's the other day, but it was on the internet, so its just for a standard 325...that was £946.05... that was my mum insuring the car, and me on her insurance..... might give adrian flux a ring and see what they tell me today!

Tescos and direct line (on line) seem to be giving me decent quotes for standard cars if i tell them that i have 2yrs NCB.

i did think about the fact that i wont accumulate any NCB on my mums insurance policy, BUT i am already insured on my Renault clio under my own name until 11th march, so im accumulating NCB on that car.........

........but i dont want my mum THINKING that she can drive my BMW.........

2.5 litres and twisty and iced up roads (like my local ones) and a mum who thinks she's allowed to drive my car equals 1 worried man!!! (ME)....... i mean..... would YOU want any1 else driving YOUR car??????????? I DONT THINK SO!!!!