[t5pilot]

Originally Posted by JNW1

Unless you've got a very high excess that's a terrific price for an M4 CP!

Voluntary £250. But the vehicle-specific excess is £500 for a collision claim...

[SynTom]

Try paying £1300 P/A for a 420i M Sport and having a black box monitoring your speed limiting you to 8000 miles PA.

With advanced driver accreditation as well.

Hate insurance companies.

[Alscoob]

Thanks for all the replies guys......

So direct line bumped my premium to over £800 PA so went to all the places suggested by you good folk including comparison sites. From the recommendations on here I looked at LV and put it in as a standard car, came out at £517 (3points me & wife one accident 50/50). However looking at the Trustpilot reviews was amazed how badly LV came out, I know you can't please all the people all the time, so I tried to call them to discuss the mods on the car and get a true cost..... phone rang and rang and rang on more than one occasion, so I decided to look elsewhere.

I used to insure my Subarus with A-Plan at Thatcham so gave them a call. Phone was answered immediately taken through the quote, listed all the mods.... M performance body kit inc (roof spoiler, not fitted but in case I wanted to) plus spacers & Steinbauer tuning box winter wheels / tyres.

Quote all in came to £461 with protected bonus, Europe travel, legal cover, car hire & £300 XS, business use. Seemed good to me so done deal as they say.

If anyone is interested I spoke to Michael Goodman... https://www.aplan.co.uk/personal/mot...cle-insurance/

[JD6]

Originally Posted by Syn_Tom

Try paying £1300 P/A for a 420i M Sport and having a black box monitoring your speed limiting you to 8000 miles PA.

With advanced driver accreditation as well.

Hate insurance companies.

Ouch! What did you put down as occupation, Armed Robber?

[SynTom]

Originally Posted by JD6

Ouch! What did you put down as occupation, Armed Robber?

To be fair, the first year was north of £2200 with a 1 year NCD so I'm hoping by the time my renewal comes with a 3 year NCD, I may finally be into 3 figures for insurance.

Still no sign of the black box going though, Armed robbery might just help me save for my renewal.

[Hooded]

Originally Posted by Hooded

I'll be running quotes through all the comparison sites along with the likes of Aviva etc soon on the 21 day before renewal sweet spot. Just had my renewal come through from Esure up from £320 last year to £383, .. they'll have to do better than that if they want me to stay with them. Apparently car insurance is supposed to be almost 10% lower than it was a year ago.

Update: Best I could get out of Esure this year is £351, which I took as price comparison sites best quotes were coming back as slightly more this year.

Seems the grand theft auto West Midlands curse is starting to finally hit insurance in the nicer post code areas of the Midlands!

[JNW1]

Originally Posted by t5pilot

Voluntary £250. But the vehicle-specific excess is £500 for a collision claim...

So you've got a total excess of £750 in the event of a collision claim (£250 voluntary plus £500 compulsory?).

[t5pilot]

Originally Posted by JNW1

So you've got a total excess of £750 in the event of a collision claim (£250 voluntary plus £500 compulsory?).

That's correct. Which I'd obviously get back on a non-fault claim...

[Ferret]

430d gc brand new, zero no claims, but no recent accidents (moved from a company car), 3 points in the last 5 years, 21k miles per
Year including business = lvh for me and my wife £650

[Simon89]

I was 28 when the policy was taken out, 3 points and live in Yorkshire and my premium is £450 on a 2013 330d.

[330XDave]

So after having paid over £800 in June I thought I'd just do another search now to see what it's coming out at...

£525!

So I'll be setting up my new policy and cancelling my old one, even losing out on a months premium for cancelling I'll be over £200 better off. Madness.

[thescouselander]

I only pay £280 for my 420i M Sport GC via LV. I do get a good discount though.

[doncarlyon]

Its funny how so many people continue to compare insurance prices when it is completely pointless

[330XDave]

Originally Posted by doncarlyon

Its funny how so many people continue to compare insurance prices when it is completely pointless

No-one is comparing like for like. I think we all understand what can impact the price and that postcode probably has the biggest impact of all however it is still interesting to see the differences.

[Alice Coupe]

Originally Posted by Kendo67

Paisley which is not the most desirable postcode although we live on the outskirts in an effluent part , 6k mileage , car parked in the driveway at night.

Yup. I think that describes Paisley pretty accurately!

[Check-Mate]

Hastings direct.. £2159 with 4years ncb 24years of age living in birmingham............ additional £166 due to the new business team changing my wifes date of passing to suit them so its exactly 3 years as i originally put 4 years because it was 3 years and 10 months.

B*sterds stay away from them!! they will ask a majority of people to send their photocopies of logbook any driver who is on there's license b*llache tbh

[330XDave]

Originally Posted by Check-Mate

Hastings direct.. £2159 with 4years ncb 24years of age living in birmingham............ additional £166 due to the new business team changing my wifes date of passing to suit them so its exactly 3 years as i originally put 4 years because it was 3 years and 10 months.

B*sterds stay away from them!! they will ask a majority of people to send their photocopies of logbook any driver who is on there's license b*llache tbh

You know the answer then mate, go with someone else!

[Check-Mate]

Originally Posted by 330XDave

You know the answer then mate, go with someone else!

As much as id like that this issue araised after 2 months of duration so i wont get more than 1800 so i will be at a greater loss if i leave

[ALBEE]

Just 'haggled' with Admiral over the phone and got our Multi-car policy (3 car) down from £725 to £670! Not bad for 440i, E36 M3 & Peugeot 208. They also refunded us £25/car this year due to covid!!!

[t5pilot]

Originally Posted by Alscoob

Have been with direct line for some while, but this year their premium has shot up. Any recommendations ?

I know it all depends you car, age, convictions etc, so-

It's a 330d no accidents, 3 points, wife & I only living in Norfolk & we're both the wrong side of 50 ! & they want £862 ! bonkers.

lol, I'm paying less than that on a multicar policy for my M4, the wifes 2 Series convertible & my daughters A class Merc! And my daughter's only 22!!!

[t5pilot]

Originally Posted by ALBEE

Just 'haggled' with Admiral over the phone and got our Multi-car policy (3 car) down from £725 to £670! Not bad for 440i, E36 M3 & Peugeot 208. They also refunded us £25/car this year due to covid!!!

Hadn't seen your post before I made the above comment. It's exactly what I've just done. Can't believe it. I'm at just less than £600 for all 3. Bonkers.

[adam.b]

Originally Posted by t5pilot

Hadn't seen your post before I made the above comment. It's exactly what I've just done. Can't believe it. I'm at just less than £600 for all 3. Bonkers.

You will see the difference when someone on your post code will make a claim, hopefully will not happen.
Insurance industry is "day robbery" nothing else.