NOTE Swift cover. in the contract wordings they can use recycled parts and or not OEM. so if you have an accident, dont expect either new parts or even BMW. you pay for what you get. So forget about having your car repaired at a BMW official garage, and put back together with old scrp items.
Me, I had a accident over 2 years ago n my first 03 Z4,(NOT MY FAULT, the other driver was prosicuted for dangerous driving, simply not seeing me and pulling out on a country road, forcing me off the road and down a ditch at 50 mph) over £10,000 worth of damage, Direct lien first had the car towed to the approved garage, but I contacted them the next day about moving it to an approved garage, I did not need to as this was already being done. All work 100% and did not effect the corrosion wty. It took 2 months to sort out and the car was perfect, the next month I purchased my next z4, no issues. Stuck with direct line. Now changing again should be picking up the 3rd Z4 this week and will be going back wih direct line. Swift cover may have been very cheap about £100 less but if you want used parts put on the car go for it.
Also we need to be a bit more detailed in the quotes. It makes a big difference for age, 3rd party, fully comp, then more for protected no claims. Then the excess vol and comp amounts 0 , 100, 600 1000. then medical, spare car, solicitor, park on the drive, street. and then the very small print of used parts.
Direct line 2.5SI SPort 08 Overnight on drive.
Full no claims discount, fully comp, protected no claims, £300 total excess, replacement car, medical, solicitor. £512.
swift £440 or £320 for no protected no claims and £500 excess, both that will possibly void the BMW corrosion wty with used or non bmw parts.
Me, I had a accident over 2 years ago n my first 03 Z4,(NOT MY FAULT, the other driver was prosicuted for dangerous driving, simply not seeing me and pulling out on a country road, forcing me off the road and down a ditch at 50 mph) over £10,000 worth of damage, Direct lien first had the car towed to the approved garage, but I contacted them the next day about moving it to an approved garage, I did not need to as this was already being done. All work 100% and did not effect the corrosion wty. It took 2 months to sort out and the car was perfect, the next month I purchased my next z4, no issues. Stuck with direct line. Now changing again should be picking up the 3rd Z4 this week and will be going back wih direct line. Swift cover may have been very cheap about £100 less but if you want used parts put on the car go for it.
Also we need to be a bit more detailed in the quotes. It makes a big difference for age, 3rd party, fully comp, then more for protected no claims. Then the excess vol and comp amounts 0 , 100, 600 1000. then medical, spare car, solicitor, park on the drive, street. and then the very small print of used parts.
Direct line 2.5SI SPort 08 Overnight on drive.
Full no claims discount, fully comp, protected no claims, £300 total excess, replacement car, medical, solicitor. £512.
swift £440 or £320 for no protected no claims and £500 excess, both that will possibly void the BMW corrosion wty with used or non bmw parts.
Any other direct insurers I can try?