im guessing this swap has been done countless times, who do you guys recomend caling up for insurance? im 23 with 5 years no claims and no points. ive tried elephant and they said that they wouldnt cover me. adrian flux wanted about £800.
who have you guys gone with?
Insurance on 316i with M20b25
Moderator: martauto
Not something I have had to do personally, but you'd need to be talking to all the specialist modified insurers. Buy a modified cars mag, say PPC or whatever, and ring ALL the insurers in the back of it - there's no easy way round this, you have to try and play them off against each other. You won't get it as cheap as you would on a car that started life as a 325i, but it's probably worth doing a confused.com search on the basis of a 325i to see what sort of figure you are aiming at.
"doughnuts - power braking in circles" Peterborough Evening Telegraph
Places like directline and elephant dont like modified cars. Phone people like Bell and adrian flux!
HIC insurance might be worth a go too https://www.hertsinsurance.com/
any more help on this guys? who are you lot insure with? sky quoted me £500 then when i called back today to verify even with my refrence code they have no record and now the best they can do is £691
surely at 23 with 5 years no claims and a clean liscence, it must be cheaper than that?
surely at 23 with 5 years no claims and a clean liscence, it must be cheaper than that?
The trouble is a company who quote cheaply for one person may be hugely expensive for someone else who broadly fits the same profile as there are so many variables and different insurers very precisely target very specific areas of the market - there's no short cut I'm afraid. Do a confused.com search as I suggested, on the basis of a 325i - if the prices you are getting for your converted 316i get anywhere near those, then they are probably the best you are likely to get. Don't be tempted to insure as if it is a 325 though, you won't be insured!Modified car insurance will never be cheap though. Frankly I'd have thought 5-700 quid is broadly the bracket you're looking at for fully comp, but that's just my layman's view - I'm not in the biz, and in any case don't know your occupation, location etc. - all the factors combine to arrive at a premium.yeah_mick wrote:any more help on this guys? who are you lot insure with? sky quoted me £500 then when i called back today to verify even with my refrence code they have no record and now the best they can do is £691
surely at 23 with 5 years no claims and a clean liscence, it must be cheaper than that?
"doughnuts - power braking in circles" Peterborough Evening Telegraph
that £691 is tpft. seems alot on a car thats not even worth that much 
i got quited £460 fully comp on a 325i from directline. so im hopeing for it to be a bit lower as its not exactly a mental modification.
im going to give adrian flux another call i think and try and play them off with eachother and see if that helps.
i got quited £460 fully comp on a 325i from directline. so im hopeing for it to be a bit lower as its not exactly a mental modification. im going to give adrian flux another call i think and try and play them off with eachother and see if that helps.
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Brianmoooore
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Not necessarily! The right person, with the right profile, and the right insurance company may get a quote cheaper for a modified car than the identical unmodified version.Leemc2009 wrote:just buy a 325i, it'll be way cheaper.. as a standard car.. than a modified one.
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325isporttech1
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Try lancaster insurance, very cheap 
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Sanchez
- Married to the E30 Zone
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When you hit 25 you'll notice it will get alot cheaper.yeah_mick wrote: surely at 23 with 5 years no claims and a clean liscence, it must be cheaper than that?
Have you got the V5 relisted as a 2.5? If the ar comes back as a 316i then you tell them its got a 2.5 engine its modified.
If its registered with DVLA as a 2.5 then its not modified so would be cheaper I would of thought.
Whatever the V5 says as regards capacity, the car is modified and should be insured as such - insurers ask if the car has been modified 'from the manufacturer's original specification', and this one clearly has. The car will always be a 316i on the V5 no matter what engine it has in it. However it may make a difference to some insurers if the capacity change is recorded on the V5 - strictly speaking the dvla should be infotrmed of any engine change.Sanchez wrote:When you hit 25 you'll notice it will get alot cheaper.yeah_mick wrote: surely at 23 with 5 years no claims and a clean liscence, it must be cheaper than that?
Have you got the V5 relisted as a 2.5? If the ar comes back as a 316i then you tell them its got a 2.5 engine its modified.
If its registered with DVLA as a 2.5 then its not modified so would be cheaper I would of thought.
"doughnuts - power braking in circles" Peterborough Evening Telegraph
The insurance cost is the biggest things that's stopped me putting an M42 in my 316, was going to cost £800 TPFT for me, and I'd have to install a CAT 1 alarm too. Compared with £400 to get an original IS insured fully comp.
just got pff the phone to brent acre and im £589.95 lighter. Thats all mods declared, poly bushes, wheels, engine, suspension. They base the premium on bhp. i currently have a 180bhp limit and i can do what ever else i want to the car at no extra cost, just have to call and declare.
Sounds reasonableish (no insurance premium can ever be described as 'reasonable'!). Pleased to hear you are sorted - insurance is the most necessary and the most evil of the necessary evils that go with motoring!yeah_mick wrote:just got pff the phone to brent acre and im £589.95 lighter. Thats all mods declared, poly bushes, wheels, engine, suspension. They base the premium on bhp. i currently have a 180bhp limit and i can do what ever else i want to the car at no extra cost, just have to call and declare.
"doughnuts - power braking in circles" Peterborough Evening Telegraph