insurance too high?

[martauto]

I have a 316 auto 1986 standard motor , full no claims, never a point ,age 46 and they still want to stick me for Ԛ£200 third party fire & theft .
I think they are taking the piss!
I dont do more than 3000 a year and its not a f**king dragster!(dont remind me but I like it)
What do you think?,PM`s if you cant advertise
thanks,Mart.

[Cotty]

I didnt think thats too bad, what do you expect it to be.

Im 34 full no claims, no points and they want Ԛ£377 fully comp on a 325i

[Giggz]

Yeah but i am 26,with no claims,third party fire & theft paying 140 a month for a 325is.

Good deal?

[Cotty]

Yeah but i am 26,with no claims,third party fire & theft paying 140 a month for a 325is.

Good deal?

Ԛ£1,680 a year

Sound like your getting ripped off there. Do you have lots of points or live in a high risk area and leave the car out. Even if you do that sounds way to much

[Giggz]

Nah man! I aint got no points.I park it on my driveway. Not sure if Ilford is a "high risk area",but in my opinion it is. So what you reckon i should be paying for TPFT?

[Cotty]

I dont know as there are a number of variables that go towards calculating a quote. Im in insurance but motor isnt my field.

Have you tried www.confused.com what do they throw up quote wise.

E-sure gave me my best quote last year at Ԛ£350 fully comp, you could give them a go

[charlE30]

I pay Ԛ£380 TPF&T for a 325ise I'm 30 with 2 years no claims, my missus is 23 full no claims and pays the same on her 325i tourer. Most companies wouldn't quote my missus (under 25 2.5lt).

Have you tried Norwich Union and Directline?

[Giggz]

I tried Norwich Union and they said that would not be able to beat the quote i have now.

[billgatese30]

Yeah but i am 26,with no claims,third party fire & theft paying 140 a month for a 325is.

Good deal?

Ԛ£1680 a year

i pay Ԛ£1850 a year fully comp for a 325i sport and thats to be kept on the driveway , 1 years ncb, no points or convictions/offences and that was when i was only 18...i thought i had it bad

[Giggz]

Bloody hell Mr Gates,thats blooming marvellous! Who you with if you dont mind me asking? And did you declare all mods to your ride?

Cheers.

[billgatese30]

well there are no mods to delcare and i think you have to be over 25 before they will accept any modding to your chariot, otherwise they tell you to bugger off

i'm with PRIVILEGE

not sure what they're prices are like with the modding though

and they really hike up the price for convictions/points and certain areas too so they can be hit and miss, they're usually way better than every one else or way above, so just give it a go, its all online and they don't send you any crap if you tick the boxes to ask you not too.

hope that helps

[kam-325i]

Right, Heres mine.

I am currentley paying Ԛ£750 TPF&T with all mods (Wheels and Exhaust)Declared, 1 accident in the last 5 years (Other party fault), No NCB, 29, Cat 2 Immob, Alarm, Kept on drive. Valued @ Ԛ£1500. Thats with Direct Choice.

Now with All the same info, but this time aged 30, 1 years NCB Ԛ£600 Fully comp with Performance Direct.

[Giggz]

QUALITY!

I will try 'confused' and 'privilege' today and see what they come up with. I did try a few other companies from PBMW magazine but they came up with silly quotes?!?

[agent006]

All E30s qualify for Classic car insurance. I'm paying Ԛ£500 fully comp on a 325 and i'm 22. From Lancaster insurance. Doesn't require or earn no claims.

[hammoj28]

Im 18 with no no claims bonus and currently paying Ԛ£1100 a year fully comp for my 318is. Insurance is a pain in the ass but that was a good quote compared to the rest i got. Might check out classic car insurance though. What companies do classic quotes?

[Cotty]

Literally just put the phone down. Was speaking to www.adrianflux.co.uk.

My existing company quoted me Ԛ£377 renewal for my standard car standard but wont quote for mods

Adrian Flux just quoted me Ԛ£381 with the following mods declared (to be fitted asap)
Uprated & lowered suspension
Strut Brace
Chip

Protected no-claims
Driving other cars (third party)
cover abroard (Le Mans?)
etc etc

Might be worth giving them a go

[Cotty]

Might check out classic car insurance though. What companies do classic quotes?

Pick up a copy of Practical Classics magazine any insurance companies advertising in there will give you a classic quote.

[hammoj28]

Ok, will do that when the time comes to renew my insurance cos elephant give me 1yrs no claims bonus in 10 months! Thanks.

[agent006]

Im 18 with no no claims bonus and currently paying Ԛ£1100 a year fully comp for my 318is. Insurance is a pain in the ass but that was a good quote compared to the rest i got. Might check out classic car insurance though. What companies do classic quotes?

Mine is through lancaster: http://www.lancasterinsurance.co.uk/cgi-bin/intro

You have to be 21 though, which is rather annoying.

[Steviec]

Im currently with more than with the 325i coupe but they wont insure my 325i cab even though other companies like Tesco want the same money for either of then (Ԛ£584.85 TPF&T).

So ive told the useless More Than indian call centre what to do with teir useless policy and now have to wait for a refund.

Im just waiting for Maynard Milton to get back to me at the mo, but the AA only want Ԛ£563 Fully comp (im 27 with 8 years no claims and no points).

[StuBeeDoo]

I've got a 320i Touring. One additional named driver with 3 points, I've got 3 points (due to come off in March). No claims in the last 5 years. 8000 miles a year. Value of car Ԛ£1600. Garaged. Both drivers 47y.o. I'm paying Ԛ£182.84 to MoreThan. Ԛ£200 excess (Ԛ£60 on all glass).
Stuart.

[Nelly]

I'd still recommend "More Th>n" i got them through "Confused.com" and now pay Ԛ£199.25p Fully comp for my Mercedes 190E 2.5-16v Cosworth + Ԛ£147.24p Fully comp for Sarah's 320i Baur.This entitles Me and Sarah to drive either car

I'm 31 with full no claims and no penalties + Sarah's 25 with 0 no claims and 2 years penalty free driving.

Neil.

[Lowm3]

Give lloyds direct a call mate.

I must have called about 12 insurance companies, and they were all about Ԛ£540 fully comp, i called lloyds and they said Ԛ£320, thats protected no claims fully comp.

I had to go through the details again to make sure she hadn't made a mistake. Next company i called and as the do, asked if i had any quotes, i goes yeh Ԛ£320.. the lad on the phone was like, fck me.. whose that from?

He asked me for there number, he said take it, its a wicked quote.. lol

Got my passat and brabus merc insured with them, and both under Ԛ£350 fully comp protected no claims.

worth a try.

[Steviec]

Dont suppose you have a website addy or phone number for lloyds do you?

[Cotty]

Give lloyds direct a call mate.

Dont suppose you have a website addy or phone number for lloyds do you?

If he means Lloyds TSB then here you go http://www.lloydstsb.com/insurance/car_insurance.asp

[Steviec]

Thanks for that.

Maynard Milton have got back to me and have managed to get the insurance down to Ԛ£530 fully comp with protected no claims. I have never known an insurance company to be so helpful, they even gave me a few calls back during the day to let me know that I havnt been forgotten, they are just trying to get the quote cheaper.

[Cotty]

You should give www.adrianflux.co.uk. a try as well they did me a great deal today Ԛ£381 fully comp

Edited to add with modifications

[Turbo-Brown]

I'm paying about Ԛ£740 with Adrian Flux.

That's at 25 with 4 years NCB.

ALL mods have been declared

Have protected NCB, slavage retention and like for like replacement on mods too.

Just hope I never need to use it (although I almost set fire to the car whilst welding earlier )

[Cotty]

Just hope I never need to use it (although I almost set fire to the car whilst welding earlier )

Get your self a fire extinguisher if you dont already have one

[Gouki]

i paid a Ԛ£1000 TPFT on my cabby, with mods declared and thats with Adrian Flux was 24 when I took policy out, 3 years no claims and no points and park car in drive.

[Turbo-Brown]

I've got two of them!

It was just a hairy moment with smoke pouring out of the cill!

[weegaz22]

i got quoted Ԛ£580 TPFT today on a 91 325i sport, 25 year old driver, 0 ncb, no prior accident/claim history, car is kept in street in a bad area in Glasgow

it knocked 20 quid off the quote when i added my dad to it, so try adding your bird or parents and see if it drops

if i went under my dads insurance i reckon id be about Ԛ£400 tpft

[Cotty]

it knocked 20 quid off the quote when i added my dad to it, so try adding your bird or parents and see if it drops

Depends on their history, tried add my dad to one policy and they wanted to double the premium.

But yes adding another driver can help

[martauto]

thanks for all your replies and interest guys!
Ijust got away fromm the phone, More than
Fully comp
No excess
Ԛ£122.00 lump sum,
Maybe, 46 isnt so bad after all?
Mart.

[charlE30]

thanks for all your replies and interest guys!
Ijust got away fromm the phone, More than
Fully comp
No excess
Ԛ£122.00 lump sum,
Maybe, 46 isnt so bad after all?
Mart.

Glad you got it sorted, you've got me looking round for a better deal now