Insurance time again

[j2b]

Lancaster renewel price £360 ,is bout £100 dearer than last year, i"m an old git not some young dumb full of c*u*m boy racer , its a 320 slush box at the moment , m50/52 in the future,usual spec dropped uprated suspension all round, no engine mods apart from a k&n airbox filter, iS front lip tech 1 rear lip, which really makes it go fast , rant over.

[PG325]

I'm 39 and my premium was £143, classic policy fully comp for my 325i cab with Heritage.

[moggie]

footman and james was the best for me by far £240 fully comp with European breakdown cover

[Brianmoooore]

Tried getting a quote from Lancaster, posing as a new customer? Never accept a renewal quote.

[verde]

Tried Aviva? My insurance is with them and its so cheap. Id tell you but noone would believe me, go try them out.

[Osamam3]

i second lancaster i had a high renewal of 276 tried as a new guy i now pay 118 worth a try .
325i coupe 1988 =118
318 vert 1991 =86

[capri_rob]

if you're going to Modify it try Adrian Flux - been the cheapest for me 2 years on the trot

[j2b]

just got a re quote as a newbee at lancaster £503 , joke, i was with flux at first , i never normally do except a renewal quote, just sometimes you get complacent and just renew it ,

[skyinsurance]

Feel free to get in touch, we can give you a price now and with the M50/52 swap.

tel: 01707 642552

Engine Swap Insurance:

http://www.skyinsurance.co.uk/engine-sw ... rance.html

[Osamam3]

lancaster have gone nuts !

[Quaser]

try flux direct for standard (but only lancaster quoted me a decent price for the engine swap!)

[joeyb]

I'm with Sky Insurance - £310 a year but my car started life as a 318i and is now a 325i

[Quaser]

try flux direct for standard (35 year old, £155 for 320i cab & 9 points in west london) - but only lancaster quoted me a decent price for the engine swap!

[sheebie]

As said footman james they were £198 compared to lancaster £286 odd.

[scallyally]

Tried all the above and got quotes between £450-650!!!

Now I'm an old git (no claims or points in 50 years)! But live in E London, car on street, classic insurance? Forget it (only as a second car) there are no " deals" out there.

[joeyb]

try flux direct for standard (35 year old, £155 for 320i cab & 9 points in west london) - but only lancaster quoted me a decent price for the engine swap!

Really? I didn't think they'd go near a modified classic?

[G-Bear]

Tried all the above and got quotes between £450-650!!!

Now I'm an old git (no claims or points in 50 years)! But live in E London, car on street, classic insurance? Forget it (only as a second car) there are no " deals" out there.

When i was living in NW London the cheapest I could find was £1000 odd on my 325i. Never made a claim with 3 points, I'm 31.

[Rav335uk]

Adrian Flux, £300 F/C on the M30 cab,
All mods declared.

[magpie]

£280 here fully comp with 24v and all mods declared .

[j2b]

cheers chaps , whos that with mick?, as i said mines just a 320 slush, dropped uprated , e46 rack conversion, iS front lip tech 1 rear apart from the k&n filter just standard 2.0 m20 some of the quotes i"ve had are ridiculous my post code isnt in a high risk area either, , i"ll get there

[E30machine]

I'm with Peter best can't fault them

[acme15]

If you think that's bad, try being 17/18 again. Paying 10x that for the first year, for an awful car, is no fun

[Rav335uk]

If you think that's bad, try being 17/18 again. Paying 10x that for the first year, for an awful car, is no fun

Stop moaning, in 1991, when I was 21, I piad £3.5k for my insurance on my E28 M5.

Work that out for todays prices.

[smithysmith]

Wow youre old. Lol.

Only joking. My second car a sapphire cossie was £2500.

If you want to drive a fast car you have to pay unfortunately

[FinalD]

If you want to drive a fast car you have to pay unfortunately

Not really. I've never paid over £1k for insurance.

I've not had lightening quick cars but at 21 I had an E36 328i which I insured for £700.

The E30 is setting me back £500 this year though as I'm going for a normal policy on it because it is my 'daily'.

[acme15]

The lowest of the low E30 I could possibly get (pre '87 carbed M10 316) will cost me £4000 to insure as a new driver with no NCB.

That's in a reasonable situation as well, keeping it in a secure car park in the day, in a garage overnight, no more that 4000 miles a year, with a named driver with over 10 years no claims.

For comparison, a 1.0L Lupo would cost me £2600 for the first year, and an E30 325i would cost me £1500 after I get 1 years no claims.

At the moment i'm not sure if I should skip the 316 and drive a Lupo for a year, and jump straight in a nicer E30, or if I should start in a 316 and then consider swapping the engine/suspension/brakes etc after I have built up some no claims...

Suspension and brakes etcetera I can do quite easily with my Dad, for the engine we have a close mate who is a car mechanic and i'm sure he would be very reasonable with price.

[StuBeeDoo]

Lancaster renewel price £360 ,is bout £100 dearer than last year,

I hear/read this kind of thing a lot, and I don't understand.

I can't get classic insurance on my cars because they're all dailys. I've been with LV for 7 years, and in that time the most my insurance has gone up is £12/year. This year it went up £10 to £225. I've never had contact LV to get the premium reduced.

Every year, before I get my renewal, I start to get quotes and every year I'm surprised when my renewal comes through. This year LV were over £100 cheaper than any of the other quotes I got.

Also, I've been getting quotes for an E46 330d, and they're coming out cheaper than the E30!!

Am I the exception that proves the rule??

[capri_rob]

I've never stayed with an insurer longer than 2 Years - I thought Esure might be the exception to the rule when they were cheaper than I could get anywhere else 2 years on the bounce and then the 3rd year they ramped the premiums through the roof for no reason at all.

I've just sacked Aviva for my daily driver as 1) when I downgraded from my 330i Sport touring which was insured for £5k and business use to my current snotter Volvo V40 1.8 valued at about £800 and taking business use off the policy they took great pleasure in telling me there was "nothing more to pay" Too fookin right - what about the refund ???? - they then couldnt explain how a 115bhp snotter was the same price to insure as a 230bhp BMW.
and 2 ) When the renewal came in they wanted £380 to insure the Volvo turd - Admiral have done exactly the same cover with the same excess for £207.

Insurance companies are all thieves - in my experience theres no loyalty from them so its always worth shopping around and I'd still sack any insurer that reduces their price if you tell them you've got a better quote - that just says they were ripping you off to start with if they knew they could do it cheaper.

[Brianmoooore]

Am I the exception that proves the rule??

No, just illustrating what I've said before, that the criteria and algorithms that insurance companies use to determine premiums are beyond all human comprehension, using so many obscure variables that these threads are almost pointless.
The only two conclusions are, don't blindly accept a renewal quote, and shop around. If you can't be bothered to do it yourself, get a broker on the job.

[j2b]

i agree with you chaps above,Sky couldn"t do no better but tried , just had another quote for £806 lol, i think they make their numbers up , im just waiting on a quote from flux if they can"t do no better ,looks like i may have to swallow and go back to lancaster as they"re better than any other quote ive had so far .

[j2b]

Wow youre old. Lol.

Only joking. My second car a sapphire cossie was £2500.

If you want to drive a fast car you have to pay unfortunately

i"d hardly call my 320 slush box a fast car

[Cotty]

£193 for my 325i though http://www.classiclineinsurance.co.uk/
They even did my Elise for £390