Cheapest Insurance thread (UK)

I'm 23 year old guy who drives a 2006 Z4, 2.0 litre.

I went on both confused.com and comparethemarket.com, and the cheapest they were offering me was a whopping quote of £2,000!!

Instead I rang up Admiral and they offered me a premium of about £800, which I happily snapped up.

Pretty funny as my previous car was a Nissan Micra and my renewed insurance for the year would have only been £250! That's the price I paid for buying a Z4... but saying that I love my car and wouldn't change it for the world :thumbsup:
 
Scared to drive my car for the next couple of days until the garage look at the flashing orange engine light problem. Thankfully still not sold my old car and managed to get 3 days cover with Temporary Cover Limited for £38. Broke my heart!
 
As I'm in the market for a Z4 the cost of insurance has been crucial in my purchase - so much to the point that I'm looking at an older car to ofset the costs.

Best quote on a 03 Z4 3.0se is from Admiral at just over £1500.00 - comprehensive, 23yrs old, 5yrs ncb, Worcestershire, parked on drive, Social & Commuting 6000 miles, 1 fault claim, no points and I work in insurance. Putting my parents on the car (both over 50) brought it down from over £2000.00! They want an extra £50 to insure a hardtop.

Insurers tend to want to know about all changes including factory fitted ones. Some charge extra, some dont for factory fitted options. Basically should the car be damaged or written off then your insurance only covers you for an original car. EG. they could put a standard bumper back on and not your parking sensors, or only offer you what its worth in standard form. Its unlikely they would void your insurance for not declaring them unless the modification/upgrade caused you to make to claim
 
I have my 3.0si sport coupe insured with Sky/Chaucer for £850. I was pretty happy with that. Im 28, live in London with 2 years driving and 4 years NCB.
 
Owl wood said:
I have my 3.0si sport coupe insured with Sky/Chaucer for £850. I was pretty happy with that. Im 28, live in London with 2 years driving and 4 years NCB.
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Which part of london?
Is it parked off road?
 
just renewed with Chris Knott . 2005 2.5se £500 Fully comp, 10yrs NCB, lots of extras like euro travel, very happy.
 
jamiez said:
Owl wood said:
I have my 3.0si sport coupe insured with Sky/Chaucer for £850. I was pretty happy with that. Im 28, live in London with 2 years driving and 4 years NCB.
Click to expand...

Which part of london?
Is it parked off road?
Click to expand...
N11, mate. I have underground parking in my place.
 
I'm 37 an trying to insure my newly bought 2.5 litre 53 plate z4. Quote is £500, does this sound ok? Odd that I'm quoted slightly less for the 3.0 litre though??
 
33 yr old male
6 ncb
3 points sp30
Parked on driveway
Np postcode
Tracker fitted
Up to 10000 miles year social,domestic and pleasure
£1000 excess
£401 with Aviva, down from £800 last year with direct line
Was cheaper to insure than my van????
 
budgie195 said:
33 yr old male
6 ncb
3 points sp30
Parked on driveway
Np postcode
Tracker fitted
Up to 10000 miles year social,domestic and pleasure
£1000 excess
£401 with Aviva, down from £800 last year with direct line
Was cheaper to insure than my van????
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A thousand pounds excess?! :-o :o :o :o no wonder it was cheap!
 
Yes is a high excess but would rather save on the insurance
Premium I always try to avoid claiming and would rather pay for the repairs
Myself if it was my fault with the price of BMW parts and labour I think u will always go over Ur excess :cry:
 
29 yr old male
z4 2.5 04 plate
4 ncb + protection
Parked on driveway
Up to 10000 miles year business, social ,domestic and pleasure
£350 excess
Partner as named driver (WITH NO year no claims)
£600

Bell Direct.
 
27 year old male
London postcode
parked on streeet
business and social
10,000 a year
4 years NCB (protected)
3 points (cu80)

£920 with esure

happy with that as i was budgeting £1000+. Damn london postcode is killing me... £400 less at my parents address in surrey!!
 
37 year old male
[slightly dodgy] London postcode
Parked on street
Social only
5k miles a year
5 years NCB (unprotected)
Named girlfriend driver (license for 15+ years)
Fully comp

£427 with esure

Saved online quote, as insurance runs out at end of October with Elephant who are after £722
 
2007 (07) ///M coupe
39 yr Male
Berkshire post code
Driveway
4000 miles pa social,domestic, to single place of work.
22 years no claims (I think 9 is the max!)
Protected no claims
Wife named driver (15+yrs driving, no claims/convictions)
Excess £350
Fully Comp

6 points (both SP30's)......woulda been £412 without these (doh!)

£534 @ Admiral
 
2008 (58) M Coupe
29 year old Male as main driver, 12 years with license, SP50 2 years ago
Berkshire post code
Parked on driveway
30,000 ,miles a year, full business cover
12 years no claims
Protected no claims
Hire car guarantee (need it for work)
29 year old female (partner) as named driver (with own car), no points etc
Excess £150
Fully comp

£637 with admiral, Aviva were also in the same ballpark.
 
My better half's insurance
2.0 sport roadster
Age will not be published due to possible groin injury
Devon postcode
parked of road
7000 mile pa
9+NCB
Hire car for repairs
Me as named driver 49 (4 years NCB) :oops:
Both held fulllicence since we were 17
Churchill
£286
Fully comp
 
2.2 Roadster
20 Years Old
Harpenden, Herts.
3 years named driver experience, 0 NCB
Parents added to policy
£1300 Excess
£1500 premium
Fully comp
 
64 Male
Z4 2.0i Sports R
Full NCB + Protection
Parked on driveway
Postcode BL9
4k per year Social Domestic & Pleasure (all the 4k)
£550 excess
Windscreen £75
Frend as named driver
Comprehensive cover
Legal Assistance up to £50k
Overnight accom up to £50 per person
Medical expenses £200 per person
Personal belongings or clothing £100
Standard Audio Visual Cover £750

£481 with More Th>n :rofl:
 
T-J said:
64 Male
Z4 2.0i Sports R
Full NCB + Protection
Parked on driveway
Postcode BL9
4k per year Social Domestic & Pleasure (all the 4k)
£550 excess
Windscreen £75
Frend as named driver
Comprehensive cover
Legal Assistance up to £50k
Overnight accom up to £50 per person
Medical expenses £200 per person
Personal belongings or clothing £100
Standard Audio Visual Cover £750

£481 with More Th>n :rofl:
Click to expand...

That's quiet a lot IMO.

EDIT: You're near Manchester.
 
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