Insurance renewal

General E30 related discussions -
Please put technical questions in E30 Tech Help forum below

Moderator: martauto

Post Reply
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 5:20 pm

Hi there folks, Time has come again to renew the touring's insurance (i had a 10 month bonus accelerator with elephant)

The renewal came through at Ԛ£566 for fully comp (10 month again)

I now have 1 yrs NCB and they have apparently included this in the renewal..

I think this is a bit steep for a 24yr old, driving for 6 yrs and only 1 accident...

Any ideas of who to contact for a better price (yes I DO have the list of all the insurers), but i'm looking for personal experiences here!

Let me know who you're insured with and their website details, so i can have a butchers....

Admiral will do it for

Ԛ£524 fully comp (10 month)

Ԛ£433 TPFT (10 month)

Cheers

Neil P
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
TOURINGDADDY
E30 Zone Addict
E30 Zone Addict
Posts: 2268
Joined: Sat May 14, 2005 11:00 pm
Location: PORTSMOUTH

Tue Nov 29, 2005 5:23 pm

elephent 411 fully 2 years ncb
Image
Jon_Bmw
Dangerous when thinking
Dangerous when thinking
Posts: 7606
Joined: Tue Jan 11, 2005 11:00 pm
Location: Salisbury

Tue Nov 29, 2005 5:29 pm

Neil sounds stupid but do the renewal online as if you hadn't got a policy with your 1 years ncb and all your other info. Put that you have had another quote of say Ԛ£300 and see what you come up with.

A similar thing happened to me with NU, they tried charging what was in effect Ԛ£150 extra for the renewal form that came through the post.

Other than elephant I would get a quote with NU, they do oline discount.

http://www.norwichunion.com/motor/index ... s=motorcat
billgatese30
E30 Zone Team Member
E30 Zone Team Member
Posts: 10989
Joined: Sun Jan 09, 2005 11:00 pm
Location: Tyne & Wear

Tue Nov 29, 2005 5:39 pm

try privilege mate, they seem to be very good for me
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 5:41 pm

thanks for that, Jon_Bmw

I got those prices by doing that,and registering again!

tried that norwich union link and they wanted Ԛ£941 8O
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 5:44 pm

For comparison,

a jag xj6 3.4 auto fully comp for me is

Ԛ£499 Fully comp (10 month)

Ԛ£423 TPFT (10 month)

:eek:
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
Jon_Bmw
Dangerous when thinking
Dangerous when thinking
Posts: 7606
Joined: Tue Jan 11, 2005 11:00 pm
Location: Salisbury

Tue Nov 29, 2005 6:00 pm

hmmm that is steep by NU, sorry i couldn't help.
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 6:11 pm

billgatese30 wrote:try privilege mate, they seem to be very good for me
do you not have to have 4yrs NCB for them?
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
billgatese30
E30 Zone Team Member
E30 Zone Team Member
Posts: 10989
Joined: Sun Jan 09, 2005 11:00 pm
Location: Tyne & Wear

Tue Nov 29, 2005 6:18 pm

nope, i think thats e-sure or more than.

i am insured with only 1 years NCB, and last year got insured for my first year driving (17 year old, just past test) with no NCB, and they were the cheapest by about 500 quid, same again this year on the sport, they were about the only place that would touch me... or insure me for that matter winkeye
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 6:19 pm

billgatese30 wrote:nope, i think thats e-sure or more than.

i am insured with only 1 years NCB, and last year got insured for my first year driving (17 year old, just past test) with no NCB, and they were the cheapest by about 500 quid, same again this year on the sport, they were about the only place that would touch me... or insure me for that matter winkeye
sweet! webbery ady?

cheers :D
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
User avatar
ndg
E30 Zone Newbie
E30 Zone Newbie
Posts: 41
Joined: Thu Apr 07, 2005 11:00 pm

Tue Nov 29, 2005 6:21 pm

I just arranged insurance through Fooman James modern car division, 33% less than the next nearest quote. Definetly worth a punt!

N.
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 6:29 pm

billgates-they want 1257 TPFT :eek: :eek: 8O
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
billgatese30
E30 Zone Team Member
E30 Zone Team Member
Posts: 10989
Joined: Sun Jan 09, 2005 11:00 pm
Location: Tyne & Wear

Tue Nov 29, 2005 6:32 pm

sod that, they only rob me of 1860 fully comp for the sport and that was with 1 year NCB and 18 year old 8O

go elsewhere mate
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 6:37 pm

ndg------Ԛ£1,446.43 from footman highwayman :eek:
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
Jhonno
Homo Hair
Posts: 20362
Joined: Mon Jan 10, 2005 11:00 pm
Location: FLAT, FLAT, FLAT!!
Contact:

Tue Nov 29, 2005 7:16 pm

im paying 700 on mine all mods declared with performance direct.. altho they are better for modified cars...

21 with 2yrs ncb
Got cable ties? Get diffin..

Arch roller for hire.

www.zeroexhausts.co.uk

Image
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 7:30 pm

Jhonno wrote:im paying 700 on mine all mods declared with performance direct.. altho they are better for modified cars...

21 with 2yrs ncb
they want Ԛ£657.3 for TPFT, so closest after admiral
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
Sanchez
Married to the E30 Zone
Married to the E30 Zone
Posts: 7578
Joined: Sun Apr 17, 2005 11:00 pm
Location: Sunny Scotland

Tue Nov 29, 2005 8:48 pm

320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Tue Nov 29, 2005 9:02 pm

Sanchez wrote:http://www.autotrader.co.uk/CARS/motori ... centre.jsp


try this if you havnt already.
thanks Sanchez, however best it would do is Ԛ£739, which is more than I paid last year!!
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
Sanchez
Married to the E30 Zone
Married to the E30 Zone
Posts: 7578
Joined: Sun Apr 17, 2005 11:00 pm
Location: Sunny Scotland

Tue Nov 29, 2005 10:12 pm

i got Ԛ£600 on a lowered 328is im 23 with 0ncb(2 right offs) driving for 6yrs.
the problem might be the area you live in, ask what postcode zone your in i live in edinburgh but work in east lothian and told insurance the cars moslty at work and keeped there overnight sometimes so they said i should use that as kept address for the car. The difference was Ԛ£200 my home postcode is group 22 but work is only 3, its works similar to engine size and car type. E30 M3 group 20 E30 316i only about 7-8 i think.

Hope that makes sense.
User avatar
Brianmoooore
E30 Zone Team Member
E30 Zone Team Member
Posts: 49358
Joined: Mon Jan 10, 2005 11:00 pm

Tue Nov 29, 2005 11:42 pm

There's no discernable logic to insurance quotes. Different companies give different weighting to different criteria.
The only way to get the cheapest quote is to put in an hour or two at the keyboard/on the phone.
Most companies try it on with their renewal quotes.
User avatar
Kramer
E30 Zone Newbie
E30 Zone Newbie
Posts: 82
Joined: Sun Oct 09, 2005 11:00 pm
Location: Glasgow

Wed Nov 30, 2005 12:37 am

ive heard confused.com can be cheap, a lot of people here seem to be with Adrian Flux also.

I always a bit suspicious of the 10 month bonus accelerator because Im not sure if other companies will accept it as 1 years NCB :?
Templ8e30
E30 Zone Addict
E30 Zone Addict
Posts: 2801
Joined: Mon Jan 10, 2005 11:00 pm
Location: Ashton-under-Lyne, Lancashire

Wed Nov 30, 2005 10:27 am

A word of warning about the Elephant 10 month policies, I had one and found that the majority of insurers don't recognise it as a full years NCD. It seems only Elephant and Admiral recognise it.

Every other insurer I phoned asked who my 1 years NCD was with, they asked if it was a 10 month policy, I said yes and they would only give me a quote for zero NCD.

I ended up getting a 12 month policy with Elephant for the second year just so I can bin them next time and get a classic policy (Adrian flux Ԛ£268 fully comp up to 10k miles per year on a 325i).

Only 3 months to go on my wellyphant policy :cool:

Cheers,

Iain T
Image
2007 Mazda 6 2.0 estate
Political Correctness - A concept based on the idea that its possible to pick up a turd by the clean end !
Theo
Old Skooler
Old Skooler
Posts: 10735
Joined: Wed Jun 01, 2005 11:00 pm
Location: Kent

Wed Nov 30, 2005 11:53 am

Nationwide (as in the building society) are really competitive, for me at least.
User avatar
Kramer
E30 Zone Newbie
E30 Zone Newbie
Posts: 82
Joined: Sun Oct 09, 2005 11:00 pm
Location: Glasgow

Wed Nov 30, 2005 4:34 pm

Templ8e30 wrote:A word of warning about the Elephant 10 month policies, I had one and found that the majority of insurers don't recognise it as a full years NCD. It seems only Elephant and Admiral recognise it.

Every other insurer I phoned asked who my 1 years NCD was with, they asked if it was a 10 month policy, I said yes and they would only give me a quote for zero NCD.

I ended up getting a 12 month policy with Elephant for the second year just so I can bin them next time and get a classic policy (Adrian flux Ԛ£268 fully comp up to 10k miles per year on a 325i).

Iain T
cheers for the info, are there any restrictions on the classic policy? ie using it for commuting, where it is parked, minimum NCB etc?
Templ8e30
E30 Zone Addict
E30 Zone Addict
Posts: 2801
Joined: Mon Jan 10, 2005 11:00 pm
Location: Ashton-under-Lyne, Lancashire

Wed Nov 30, 2005 7:43 pm

Kramer wrote:
Templ8e30 wrote:A word of warning about the Elephant 10 month policies, I had one and found that the majority of insurers don't recognise it as a full years NCD. It seems only Elephant and Admiral recognise it.

Every other insurer I phoned asked who my 1 years NCD was with, they asked if it was a 10 month policy, I said yes and they would only give me a quote for zero NCD.

I ended up getting a 12 month policy with Elephant for the second year just so I can bin them next time and get a classic policy (Adrian flux Ԛ£268 fully comp up to 10k miles per year on a 325i).

Iain T
Iirc you need a minimum of 2 years NCD, no restriction on parking or commuting use but the maximum is 10,000 miles per year. I'll only be doing about 7k miles so I'm well within.

Cheers,

Iain T
Image
2007 Mazda 6 2.0 estate
Political Correctness - A concept based on the idea that its possible to pick up a turd by the clean end !
User avatar
Kramer
E30 Zone Newbie
E30 Zone Newbie
Posts: 82
Joined: Sun Oct 09, 2005 11:00 pm
Location: Glasgow

Wed Nov 30, 2005 11:40 pm

thanks
capoditutticapi
E30 Zone Newbie
E30 Zone Newbie
Posts: 16
Joined: Fri Nov 25, 2005 11:00 pm

Thu Dec 01, 2005 3:28 pm

direct line have been great for me i'm 21 and ive been with them for 3 years now, i made 2 minor claims but for some reason they kept my NCB in tact!!! this year i payed about 470 but made a claim after it was broken into and they gave me 450 cash in loo instead of replacing the door lip and when i changed my car a few weeks ago from what was a honda civic 1.5 lsi to 1990 bmw 325i se it only costs 28 quid to change over with 2 months remaining. I've looked at what it will cost me come renewal when i'm 22 and its going to be around the 460 mark for tpft and about 100 more for fully comp but i don't think its worth it. i seriously suggest checkin directline out i can't fault them really.
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Thu Dec 01, 2005 4:04 pm

thanks capoditutticapi mate, tried them just now but they want Ԛ£1100ish!
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
Geeman
Married to the E30 Zone
Married to the E30 Zone
Posts: 7641
Joined: Sun Jan 09, 2005 11:00 pm
Location: Grimsby, Lincolnshire
Contact:

Thu Dec 01, 2005 4:08 pm

More Than

Ԛ£188 Fully comp for little old me.
320Touring
E30 Zone Team Member
E30 Zone Team Member
Posts: 12316
Joined: Fri Feb 11, 2005 11:00 pm
Location: Glasgow (Scotland)

Thu Dec 01, 2005 4:24 pm

Geeman wrote:More Than

Ԛ£188 Fully comp for little old me.
wont quote me, bastards :x

thanks for the suggestion though :D
The big Unit Parts Clear out Make me an offer on parts!
http://www.e30zone.net/modules.php?name ... 81#2766881
capoditutticapi
E30 Zone Newbie
E30 Zone Newbie
Posts: 16
Joined: Fri Nov 25, 2005 11:00 pm

Thu Dec 01, 2005 4:35 pm

320Touring wrote:thanks capoditutticapi mate, tried them just now but they want Ԛ£1100ish!
ouch!!
Cotty
Hartge Crew
Posts: 5926
Joined: Mon Jan 10, 2005 11:00 pm
Location: Orpington, Kent

Thu Dec 01, 2005 6:58 pm

320Touring wrote: I think this is a bit steep for a 24yr old, driving for 6 yrs and only 1 accident...
How long until you are 25, should go down a bit then.

The accident and only 1 year NCB works against you.

I got mine down to Ԛ£350 with e-sure but im 34 full NCB, thatcham imobiliser, garaged, limited milage, different area etc

Have a go on http://www.confused.com/pages/index.jsp?MediaCode=100 and see what they can do
Image
Cotty
Hartge Crew
Posts: 5926
Joined: Mon Jan 10, 2005 11:00 pm
Location: Orpington, Kent

Thu Dec 01, 2005 7:02 pm

Also the cheapest might not be the best

I have heard some horror stories about people getting cheap quotes but then have a nightmare getting any money from the company. better to pay a little more and insure with a company who have a good reputation iro claims service
Image
Post Reply