insurance

[cypriot_boy_2k7]

absolute joke,

22y/o
316i moredore
0 year ncd due to having company van
held license for 5 years
parked on drive
alarmed
3 points in 06

Mods
tints
alloys
parking sensors
interior
suspension

£1411.37

I have my turbo kit, which i cant put on because no mofo whats to insure it.
yet my mate who has a scooby 300hp at the wheels who's 24y/o 2 years no claims parked on the road. £900

[alexdejonghe]

lie lie lie!!!!!

...and then pray you dont crash!

[ninjastyle]

i just got quoted £2100 for a standard 1996 520i. with no ncb, no drive, no garage, fresh license got quoted 2600 for an e30 316

[tonybtonyb]

The UK insurance company's live on another planet!Instead of old cars being cheap to insure they are not which is a great shame.There is not a lot we can do.

[James325]

I can't complain really. I have 0 ncb but no claims or accidents and I'm 32.
£168 fully comp on the 325.

[sunnyr83]

Not sure but won't they insure a 22y/o under the classic car scheme?

[oppositedrift]

js got quoted 1574 on my 316 which for a 19y/o with 1yr ncb aint too bad really!

[Brianmoooore]

The UK insurance company's live on another planet!

UK insurance companies live in a world of statistics. They don't dislike you, they aren't being awkward, the MD doesn't drive a new Merc. and have a paranoid hatred of twenty year old BMWs, they simply crunch the statistics, and quote at a level where you (statistically) won't cost them money.
It's nice to get sub £100 quotes on a 325!

[god-father88]

check all over the web theres plenty of insurance companys!. Im 22 and have a 325i sport and a focus st-3. i got 3 points and my quotes where around 4k!. Checked over the whole web and found a £1500 quote for my st and £900 for my 325i!!

[DaveD]

Remember they are not insuring the car they are insuring you..and what their experience is of what you are liable to do with the car as its worth nothing as they would invariably write it off in the event of an accident

[robbo86]

lie lie lie!!!!!

...and then pray you dont crash!

.... and commence the flaming!

[robbo86]

Theres a zone friendly insurer on here. Have you spoke to them?

http://www.e30zone.net/modules.php?name ... forum&f=65

[ImysE30]

check all over the web theres plenty of insurance companys!. Im 22 and have a 325i sport and a focus st-3. i got 3 points and my quotes where around 4k!. Checked over the whole web and found a £1500 quote for my st and £900 for my 325i!!

Who's that with?

[skyinsurance]

The fact of the matter is, you have 0 years NCB, in the eyes of most insurers that makes you incredibly high risk.

You need to find an insurer who can take your company van driving experience into consideration, assuming this is claim free experience and you can provide proof of it.

http://www.skyinsurance.co.uk/car-club-insurance.html

[bmw9818]

The fact of the matter is, you have 0 years NCB, in the eyes of most insurers that makes you incredibly high risk.

You need to find an insurer who can take your company van driving experience into consideration, assuming this is claim free experience and you can provide proof of it.

http://www.skyinsurance.co.uk/car-club-insurance.html

quick question mate do you lot take other driving experience into consideration? currently as a second driver driving for 3 years age 20.... is it poss to get proof from current insurnce comps and get some sort of NC discount if i were to take out an own policy? also somehow if i do crash pay a high excess - £800 > but in return get a low quote £1000< ? if it can be amended somehow...

[tonybtonyb]

just remember if you pay £100 or up to £3000 you never really get any of your money back and that's only for one years cover.So there is only one winner and that not you or me!

[E30LI]

Quite impressed by my insurance.... 316i, separate policy so using 0ncb, myself and another 21 year old - £250 for the year limited to 3k mileage though but that was fine for me.

[Ivorbign]

It does also depend on where you live as well if im correct?

I'm 20 with 1 year ncb parked on the road 10,000 miles a year on a 318is for £1050 which I thought was alright. That was with Admiral.

[bmw9818]

It does also depend on where you live as well if im correct?

I'm 20 with 1 year ncb parked on the road 10,000 miles a year on a 318is for £1050 which I thought was alright. That was with Admiral.

oh right yeah youve got a point if i remember my areas pretty much in the red apparantly ! its on f or g on the scale! never had any problems though, even left my window half open one night with a neighbour knocking late in the evening the following day telling me,surprisingly with everything still there....

[Ivorbign]

Here is a guide I've found on the web

http://www.migweb.co.uk/forums/car-talk ... tings.html

Shows I'm in an A rated area, thank god! My friend has done a similar thing twice but leaving the key in the ignition! Lucky bugger! [/url]

[skyinsurance]

quick question mate do you lot take other driving experience into consideration? currently as a second driver driving for 3 years age 20.... is it poss to get proof from current insurnce comps and get some sort of NC discount if i were to take out an own policy? also somehow if i do crash pay a high excess - £800 > but in return get a low quote £1000< ? if it can be amended somehow...

yes we can usually work with named driver/company car experience if it is claim free and proof can be provided.
We would give an introductory discount based on this claim free driving but the policy would start a 0 years NCB.
We can put a higher excess on but it is rate we would go with an excess above £750.

[cypriot_boy_2k7]

quick question mate do you lot take other driving experience into consideration? currently as a second driver driving for 3 years age 20.... is it poss to get proof from current insurnce comps and get some sort of NC discount if i were to take out an own policy? also somehow if i do crash pay a high excess - £800 > but in return get a low quote £1000< ? if it can be amended somehow...

yes we can usually work with named driver/company car experience if it is claim free and proof can be provided.
We would give an introductory discount based on this claim free driving but the policy would start a 0 years NCB.
We can put a higher excess on but it is rate we would go with an excess above £750.

i got quoted by sky your quote was one of the most expensive. about £3500

[lugy]

I'm paying about £800 FC on my 320, that's 22yo, been driving for 5 years, 4 years NCB and doing 10k per year. That's through the Co-Op. I'm still not happy at paying that much though . Apparently I can't have it on a classic policy either as it's a daily driver.

[skyinsurance]

i got quoted by sky your quote was one of the most expensive. about £3500

Ok, thanks for trying us, it appears you do not fit our criteria unfortunately.

[cypriot_boy_2k7]

i got quoted by sky your quote was one of the most expensive. about £3500

Ok, thanks for trying us, it appears you do not fit our criteria unfortunately.

you have any tips on getting it a bit more down and does a garage make a diffrence

[timbmw]

Maybe an idea but I do mine through Graham Sykes as a classic on a 3K policy - has to be in a garage too but its £109 a year fully comp with 0 NCB as you have an agreed fixed value and you don't accrue any bonus... The policy is through these guys though if you can go direct: https://broker.kgminsurance.co.uk/kgm-m ... -login.asp