10-09-2019, 03:46 PM | #1 |
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UK Insurance
Hey,
Just wondering if anyone has any problems with getting their 50d insured in the UK. Just spoke to my insurance, as the vehicle is coming out at over 100k they are able to insure it as their policies only cover up to 75k Thanks. |
10-09-2019, 04:30 PM | #3 |
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Got my 30d insured, but it wasn't cheap, something like £1200. I got 3 points tho (grrr). My car was JUST under £75k tho.
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10-09-2019, 04:55 PM | #5 |
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I'm with Privilege Insurance -- they've been OK really, I also got the Z3 there, and it had a big repair bill earlier in the year (which invalidated my no claims :/ it wasn't even my fault) and they were spot on, regardless.
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10-09-2019, 06:05 PM | #7 |
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I pay £278 for a merc GLE premium plus fully loaded £74000, full no claims, protected no claims and wife on policy. The merc is group 48, 4.0 BMW X5 is group 46 and 3.0d group 45, this is with autonet through go compare. You guys need to shop around.
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10-11-2019, 02:52 AM | #8 | |
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Might have a look at them next time around |
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10-11-2019, 03:18 AM | #9 |
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£450 excess, 7000 miles per year, no business use . If you go directly to autonet you won't get the best price.I change my insurance nearly every year by using go compare or confused.com. I persuaded a friend to check the sites a couple of years ago, he uses his car for business, 17000 miles a year, he saved nearly £800 on the quote he had from the insurance company he had used for years.
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10-11-2019, 03:53 AM | #10 |
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Try BMW Insurance, I was shocked but they came in the cheapest for me at £1200. Got the 7 day drive away thing and they sent me a quote. I honestly expected it to be in the region of £4/5k with them.
My old G30 520d was £600 to insure annually. I expected the hike nonetheless. Can was just shy of £70k iirc. My broker refused to even touch it, said that they are nicked too often. Closest was AXA at £1400. Biggest factor for me is the fact that I'm in London and my age. Apparently people under 30 don't tend to get buy X5's according to most insurers and I'm 27 |
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10-11-2019, 04:40 AM | #11 | |
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I'm going onto gocompare to do a dummy booking. Had a look at the autonet website but it wanted war and peace before giving a quote so gave up. Looks like they are just brokers for LV etc which is good. Let's see how they compare with LV like for like Edit: Didn't work for me. Cheapest was £730 with someone called Brightside. Bizarrely LV came back as £761. Autonet £895.75 with a total excess of £1000. Insurance quotes are so subjective. Last edited by archivedaccount; 10-11-2019 at 04:48 AM.. |
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10-11-2019, 08:01 AM | #12 |
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Just been on go compare and received quotes below for X5 3.0D M sport, £75000
8000 miles and £250 voluntary excess, fuully comp protected no claims, wife on policy. Last edited by BMPHIL; 10-11-2019 at 08:20 AM.. |
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10-11-2019, 08:34 AM | #13 |
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10-11-2019, 08:57 AM | #14 | |
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You are asking for half the mileage No business usage Different location, even the specific street can make a huge difference Your age Other insurance record Do you have a tracker? Size of excess Driving record Length of time licence held In fact about the only thing that is comparable is the car and the fact we both have full NCB For me gocompare AND your broker are more expensive, which is normal market conditions. The key, as you have done, is to find the best insurer for your specific circumstance. The only way to do that is trial and error. I don't just go for the cheapest. I start by looking at who has the best ratings - defaqto, which magazine, trustpilot etc. If I do have to claim I dont want to be waiting months for a reduced payout, if they agree to pay out at all. With a decent shortlist I then get quotes and see if quidco/topcashback offer any discounts. Reality is I may need to move into your house and steal your identity to get anywhere near that quote, no matter who Im insured by |
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10-11-2019, 09:53 AM | #15 |
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I always look at Moneysavingsexpert. They regularly compare the comparison websites, and suggest an order to check. I think most people don't seem to be aware that most comparison websites are owned by the insurance companies - Go Compare is owned by eSure, Confused.com by Admiral, etc
Timing is also key. c20 days before renewal is usually best. As eaglesrest says, comparing quotes between us lies the way of madness. For madness though...My last quote for 10k per year, £450 voluntary xs on a reasonably spec'd 30D for two people is around £520. Approximately £100 more than my (much cheaper) G30 20D. |
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10-11-2019, 11:00 AM | #16 | |
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Sometimes you can't fathom the prices, I had a discovery sport diesel190 HP, I changed to a GLC43 367HP and my insurance was £30 cheaper, the GLC cost £7000 more than the discovery sport. |
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10-11-2019, 03:00 PM | #18 | |
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I wasn't trying to disprove you, just reporting the facts. If it had been cheaper I would have reported as such, and sent you a virtual pint. Of course less reputable insurance companies will avoid paying out. It's not ridiculous at all. There are horror stories all over the internet, consumer magazines, watchdog. Its not just car insurance companies that will make claiming impossible, or dig out an undisclosed but irrelevant undeclared precondition. I've had my own personal experience of claiming on car insurance which was a nightmare. Similar for 3rd party car warranty claims. |
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10-11-2019, 03:17 PM | #19 |
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Drives: G05 30d M-Sport
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That is one of the reason I picked my 'more expensive' insurance company to insure the X5... in February they coughed up £3k cash for me to repair my Z3 after it was technically marked as "write off", that without marking it at Cat C. The guys were really helpful -- real people --
With the 3K, I got the little car fully repaired and resprayed. Thanks crunchy!
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10-11-2019, 03:51 PM | #21 | |
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And yes it's fun to drive, it's a NOTCH slower than my X5 30d but well, with the top down and halfway nearer the tarmac, it heaps of fun :-)
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10-11-2019, 03:55 PM | #22 | |
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I still don't understand the amount some UK owners are having to pay, it is ridiculous. |
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