[RagingKileak]

Hello all,

I've never struggled with insurance before. I use Directline and Confused.com usually to get a good idea of what the price will be, then I ring a few specialists and brokers and bang - I halve the quote and all is well.

This time though, I'm looking at a particular M3 which I am very keen on and for some reason, I cannot for the life of me get a decent quote of ANY of the usual mainstream insurers (£1658 being best so far) and I NEED to bring it to around £1000 - £1200 at most.

Any of you guys got any decent contacts? You know, places that actually LISTEN to what you say and take into account past cars, location, extra security etc?

My current Golf insurer (LV via Greenlight) does just this for the Golf and adds nothing to my premium when I've added each seperate lot of mods ALL of which are declared for under £800. Unfortunately (see a pattern emerging) they won't insure me on an M3 as the Golf came in via a specialised club deal.

LV, Directline, SwiftCover and a couple of others have declined to quote at all for no reason I can imagine.... I am over 25, have 3 years no claims (ok not great, but usually its 2 or less that cause the problem) and can prove a history of powerful cars etc.

Could it be my postcode etc? When Jen moved here, her 1.4 Fiesta insurance nearly doubled from £450 to £800.... Got me thinking!

Regards
Matt

[335ier]

Originally Posted by RagingKileak

Hello all,

I've never struggled with insurance before. I use Directline and Confused.com usually to get a good idea of what the price will be, then I ring a few specialists and brokers and bang - I halve the quote and all is well.

This time though, I'm looking at a particular M3 which I am very keen on and for some reason, I cannot for the life of me get a decent quote of ANY of the usual mainstream insurers (£1658 being best so far) and I NEED to bring it to around £1000 - £1200 at most.

Any of you guys got any decent contacts? You know, places that actually LISTEN to what you say and take into account past cars, location, extra security etc?

My current Golf insurer (LV via Greenlight) does just this for the Golf and adds nothing to my premium when I've added each seperate lot of mods ALL of which are declared for under £800. Unfortunately (see a pattern emerging) they won't insure me on an M3 as the Golf came in via a specialised club deal.

LV, Directline, SwiftCover and a couple of others have declined to quote at all for no reason I can imagine.... I am over 25, have 3 years no claims (ok not great, but usually its 2 or less that cause the problem) and can prove a history of powerful cars etc.

Could it be my postcode etc? When Jen moved here, her 1.4 Fiesta insurance nearly doubled from £450 to £800.... Got me thinking!

Regards
Matt

Try Aviva I'm under 30. M3 no tracker fitted etc they came in under £800.00inc European cover and (I don't know if you can still do this)but if you do it through the money supermarket website you get £75.00 cash back!
before I tried Aviva all my quotes were similar to yours....

Good luck

[ed335d]

Have you tried Admiral?

They seem to be consistently cheapest for M3.

[Hotcoupe]

Originally Posted by RagingKileak

Could it be my postcode etc? When Jen moved here, her 1.4 Fiesta insurance nearly doubled from £450 to £800.... Got me thinking!

Regards
Matt

Could well be your postcode Matt, check it out here:

http://www.carinsuranceexplained.com...risk-list.html

I use either of LV,Direct Line and First Direct,dependent on what they quote come renewal time, all three are good for mods (for me), but obviously age (I'm fecking ancient!),NCB and postcode etc are big factors as well you know.

Have you tried Adrian Flux,supposedly good for performance cars.

[Real Thing]

Originally Posted by ed335d

Have you tried Admiral?

They seem to be consistently cheapest for M3.

Try Admiral Mult-Car Insure the M3 now then add the Golf renewal time seem good for modifications as well and no tracker needed for M3
Online quote:http://www.admiral.com/multicar/aboutMulticar.php

[JLR1969]

Try elephant you can tweak every factor to get the best deal. I added the mother in law as a named driver and it dropped 14%

[RagingKileak]

Moneysupermarket was £1900.

Just going to try Admiral and Aviva directly.

A Flux will probably do it, but they are never 'that' cheap and they are wankers to deal with. I had a Focus ST insured with them once!

Regards
Matt

[JLR1969]

Originally Posted by RagingKileak

Moneysupermarket was £1900.

Just going to try Admiral and Aviva directly.

A Flux will probably do it, but they are never 'that' cheap and they are wankers to deal with. I had a Focus ST insured with them once!

Regards
Matt

+1 AF are great until you buy a policy then it's downhill.

[E92westy]

Sorry Matt, I don't get it.
You're looking at an M3 and quibling about £400 insurance?
In petrol it appears that'll get about three lamposts worth...
You're a good guy and this is an M3, is it really that close on having one...?

[F31-340i]

Is it a special M3, or stock E92?

Have you asked why they are so much? You might want to try with a different model of car, to see if its just M3s, or geography/your circumstances related.

Might it be related to an increase of thefts of E92s? I recall a thread a while back about how professionals were now using a number of black boxes from one M3 to steal another one.

This may have made premiums jump recently - bit like when insurance premiums on Escort Cosworths in the 90s got very silly.

[RagingKileak]

Originally Posted by E92westy

Sorry Matt, I don't get it.
You're looking at an M3 and quibling about £400 insurance?
In petrol it appears that'll get about three lamposts worth...
You're a good guy and this is an M3, is it really that close on having one...?

Sorry mate, but I don't buy that!!

You pay a little more into the car each month, eventually you get more equity out of it. You save monthly, you get something back.

With insurance, everyone changes nearly every year because we ALL get a renewal for about 50% more than the previous year, every single time. We ring them, they tell us to fuck off because they have their pound of flesh and the 'parameters have changed' since last year, meaning that 'you' are statistically riskier than before, even though you've just paid a grand and claimed nothing back.

The £1700 quotes (and all the rest) are based on £3000 excess and there is clearly 0 chance I would claim unless someone else was involved and wouldn't settle, or unless the car was totally fucked.

That is, no matter which way you cut it, daylight fucking robbery. It is ABSOLUTELY based on the fact that I must be insured and takes into account nothing about me, how I drive or how I look after my car. It is a chancers quote to make a quick couple of grand based on the fairly low likelihood I will ever claim (but the possible high risk of insuring the car based on its value and that excess, should I end up claiming for any reason.)

They can fuck off. It's the principle of the matter based on the fact that clearly, it's a bullshit quote.

Admiral came in at £4200 - funny because it had a quote saved which was £4800 and must have come via Confused.com. As soon as I clicked 'edit quote' and then 'quote me' without changing a thing, it dropped £600 - so that's an indication on what Confused.com take as a cut. On with Aviva now.

Matt

[RagingKileak]

Haven't rang any of them yet to ask - just online quotes.

Admiral have dropped to £3000 with a £5000 excess. They would be fucking LOVING it if I was stupid enough to buy that!

Matt

[F31-340i]

Matt

Just got a load of quotes off confused for around £500 at my UK address - 2010 M3 worth £40000 with tracker.

So its not the car, not at our (Bath) address in any case.

J

[RagingKileak]

4400 from Aviva.

I'll do some proper research tomorrow on a proper connection. Grrr.

Cheers for the help guys!

Matt

[RagingKileak]

I'm in an F* risk zone. Lovely.

Matt

[F31-340i]

Originally Posted by RagingKileak

I'm in an F* risk zone. Lovely.

Matt

Bummer. Never heard of them before now - just checked and my quotes are for a zone A address.

Range is A-F - low to high. The * means motorbikes (and sometimes cars) need to be in a locked garage apparently.

http://www.carinsuranceexplained.com...risk-list.html

[m1bjr]

The way things are going, that lottery ticket letter will start impacting house prices soon.

[evil_scooby]

Try Chris knott insurance. They are generally always cheapest for me or happy to beat any quote I have had

[gangzoom]

If u live in the wrong postcode there's nothing u can do really to get the quotes down. How about insuring the car under ur parents address?? My parents spent 50% of their time in London and 50% in Cambridge, they have 2 houses both under their name. The insurance for their car is 75% higher at the London address so they insure it under their Cambridge address. Not really sure about the legalities of it though??

Just to make u feel better I pay £1200 for my 335i, 5 years NCB, clean license, will be 30 next year. Thats with admiral, So actually £1700 for a M3 isn't that bad

[Abbot26]

My experience, if your a bloke add a female named driver (even if you have to make up a common law partner, they'll never drive or crash it cos they don't exist) these insurance companies load up on single guys. Strangely they increase your premium if you park you car in a garage rather than a drive, also try changing your yearly milage limit, admiral's prices change every 1000 where LV has a tipping point of 9000.

I has an e46 cab last year, insurance was £468 (37yr old full no claims)

[urfankhaliq]

Originally Posted by RagingKileak

I'm in an F* risk zone. Lovely.

Matt

Im in a bastard "refer"

[Dannyrado]

Keep the golf....