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Car insurance renewal

Specific discussion about the E89 2009 Z4 (sDrive35is, sDrive35i, sDrive30i, sDrive23i)
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Ole gits rule
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Car insurance renewal

Post by Ole gits rule » Fri Jun 04, 2021 8:43 pm

Yep, its that time of year we all hate, I have to service the DS this month and insure the Zed as well - next month it's the other way round :(

Good thing is that DS gave me £50 off the service (Cardiff) and I cut my renewal from £490 with Saga (yes I am an old git) to £202 with Direct line :thumbsup:

Saga tried to convince me to stay by coming down to £370 - they must think as soon as you hit 50 you lose all your marble :rofl:
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Mr Tidy
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Car insurance renewal

Post by Mr Tidy » Fri Jun 04, 2021 9:57 pm

That's surprising. :?

I'm older than you, but I switched to Saga for my 330i in April because they quoted £240ish which was about £40 cheaper than Churchill wanted on their renewal invitation - and the excess was much smaller. :)
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Car insurance renewal

Post by PointedMarlin » Sat Jun 05, 2021 9:10 am

When I brought mine - 2.5l, I’m 41 no points or claims, Esure would not transfer my insurance from the Audi so I had to cancel it

I compared some meerkats & am with Quote me happy - £278.33

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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 10:30 am

Mr Tidy wrote: Fri Jun 04, 2021 9:57 pm That's surprising. :?

I'm older than you, but I switched to Saga for my 330i in April because they quoted £240ish which was about £40 cheaper than Churchill wanted on their renewal invitation - and the excess was much smaller. :)
It is not surprising to me at all - it has come down £40 from last year but then I had a tough job getting insurance as I had just come out of a company car and they matched my no claims on the DS so I was happy.

Was expecting a large drop this year when I understood what you guys were paying and did not get it so looked around - will be doing the same next month on the DS.

Mt excess has gone from £200 with saga to £350 with DL but there's a saving of close to £300 and the intention is to not have to pay the excess :D
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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 10:33 am

PointedMarlin wrote: Sat Jun 05, 2021 9:10 am When I brought mine - 2.5l, I’m 41 no points or claims, Esure would not transfer my insurance from the Audi so I had to cancel it

I compared some meerkats & am with Quote me happy - £278.33
I never understand why they won't transfer policies - its not as if you have suddenly become a teenage tearaway because you bought a vert - then again maybe you have :rofl:
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2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.

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Car insurance renewal

Post by Zed Baron » Sat Jun 05, 2021 12:22 pm

Ive just renewed my car insurance for the Z and just gone with SAGA for the first time - £174. Got to shop around every time, they rely on you being complacent.
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Ole gits rule
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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 6:44 pm

Zed Baron wrote: Sat Jun 05, 2021 12:22 pm Ive just renewed my car insurance for the Z and just gone with SAGA for the first time - £174. Got to shop around every time, they rely on you being complacent.
Wow - that's one hell of a difference to what they offered me £49 then down to £370, nowhere near that level.

I had 5k miles on mine with PNCD and legal cover what have you got to get to £174 :thumbsup:
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Car insurance renewal

Post by Zed Baron » Sat Jun 05, 2021 6:59 pm

Ole gits rule wrote: Sat Jun 05, 2021 6:44 pm
Zed Baron wrote: Sat Jun 05, 2021 12:22 pm Ive just renewed my car insurance for the Z and just gone with SAGA for the first time - £174. Got to shop around every time, they rely on you being complacent.
Wow - that's one hell of a difference to what they offered me £49 then down to £370, nowhere near that level.

I had 5k miles on mine with PNCD and legal cover what have you got to get to £174 :thumbsup:
Sorry I made a mistake, Ive just checked the policy its £162.11! thats 5k pa, protected NCD and the car is garaged. They are all at it, I had a renewal come in for home insurance and it was sky high, went on a comparison site and renewed with the same company for a lot less. The get out clause when you complain is that its a different underwriter. You have to be prepared to do it with everything, Ive got Virginmedia. I have to physical threaten (and be prepared) to leave each time at the end of a contract to get a better deal, annoying when you see what they offer new customers. What rubs it in is when you call them to cancel and they say how can we retain your business! :w00t:
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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 7:42 pm

I had 5k miles on mine with PNCD and legal cover what have you got to get to £174 :thumbsup:
[/quote]

Sorry I made a mistake, Ive just checked the policy its £162.11! thats 5k pa, protected NCD and the car is garaged. They are all at it, I had a renewal come in for home insurance and it was sky high, went on a comparison site and renewed with the same company for a lot less. The get out clause when you complain is that its a different underwriter. You have to be prepared to do it with everything, Ive got Virginmedia. I have to physical threaten (and be prepared) to leave each time at the end of a contract to get a better deal, annoying when you see what they offer new customers. What rubs it in is when you call them to cancel and they say how can we retain your business! :w00t:
[/quote]

Sugar, that is basically what I asked for and £370 quoted, the only difference is no garage but I am pretty rural with 3 houses and the lane is pretty well hidden.

I just don't get how it can be so different, never mind these introductory deals are going to stop now when the new law kicks - everyone one will be paying the £370 I got quoted :o
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2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.

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Car insurance renewal

Post by PointedMarlin » Sat Jun 05, 2021 7:59 pm

I think it’s the B postcode that does for me, despite not actually living all that close to Birmingham

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Ole gits rule
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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 8:14 pm

Maybe the NP postcode for me but hell its pretty quiet where I am :headbang:
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Car insurance renewal

Post by Fireball » Sat Jun 05, 2021 8:36 pm

I have found LV to be reasonable for my 23i, premium was reduced by £30 this year down to £218. All usual bolt ons guaranteed NCD and 5k per annum, I am in a DT postcode which is apparently a good one.
Recently tried a quote for a 35is and it was only £30 more which was a surprise.
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Car insurance renewal

Post by flybobbie » Sat Jun 05, 2021 8:37 pm

Something to watch is voluntary excess. I input from 250 to 0 and the quoted difference was about a £1. (Just done money super market, coop quote 197)
Perhaps not significant on car, but on my bike, for paying £2 extra, i got zero voluntary excess (which 450 was automatically applied on quote) and 350 fixed.
My bike only worth £2k if wrote off, yet 800 total excess.

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Ole gits rule
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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 9:09 pm

Fireball wrote: Sat Jun 05, 2021 8:36 pm I have found LV to be reasonable for my 23i, premium was reduced by £30 this year down to £218. All usual bolt ons guaranteed NCD and 5k per annum, I am in a DT postcode which is apparently a good one.
Recently tried a quote for a 35is and it was only £30 more which was a surprise.
Thats good on a 35iS with the power difference between the two :D
M4 Vert in Yas Marina Blue
2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.

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Ole gits rule
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Car insurance renewal

Post by Ole gits rule » Sat Jun 05, 2021 9:11 pm

flybobbie wrote: Sat Jun 05, 2021 8:37 pm Something to watch is voluntary excess. I input from 250 to 0 and the quoted difference was about a £1. (Just done money super market, coop quote 197)
Perhaps not significant on car, but on my bike, for paying £2 extra, i got zero voluntary excess (which 450 was automatically applied on quote) and 350 fixed.
My bike only worth £2k if wrote off, yet 800 total excess.
Saga tried to blame the voluntary excess difference which is a joke all round on a £300 difference in quotes :headbang:
M4 Vert in Yas Marina Blue
2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.

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