UK vs. USA z4 insurance... ???

[Kenneth111]

Im a very curious type.....i just insured my new (but used) to me Z4 here in Florida USA

as a 2nd car, my insurance for the Z4 ALONE is $1000 a year

i have a spotless driving record,..... that coverage is very good and zero deductible for stupidity like someone slashing tires, or keying the car etc etc.


cost about the same in the UK?

 

[1000rr]

£202 here.

 

[Keet]

Ours is around the £300 mark with full NCD but there's quite a hefty £500 compulsory excess as well as a voluntary £150 excess.

 

[Kenneth111]

Ours is around the £300 mark with full NCD but there's quite a hefty £500 compulsory excess as well as a voluntary £150 excess.

im afraid to ask what a compulsory excess AND OR a voluntary excess is !!! :?

 

[Adil_3]

Hahahaha you guys are lucky, take it from a 23 year old living in a major city. If someone told me my insurance was £1000 id take it in a heart beat

 

[Jembo]

£200, fully comp, the mods declared

 

[mmm-five]

Ours is around the £300 mark with full NCD but there's quite a hefty £500 compulsory excess as well as a voluntary £150 excess.

im afraid to ask what a compulsory excess AND OR a voluntary excess is !!! :?

That’s the deductible.

So for the type of car there’s a mandatory excess/deductible, plus you can offer to increase this excess/deductible voluntarily to reduce your premium.

 

[RustyZ4]

I am trying to sort out my insurance at the moment,, I have noticed the compulsory excess has gone up (most £250), I am getting quotes around £300

 

[Mr Tidy]

That seems expensive OP compared to here - I just paid £353 for my 3.0 litre Coupe, but sadly there is a £350 deductible.

 

[srhutch]

£200, fully comp, the mods declared

Same as me Jem.

 

[Mr Tidy]

Jembo wrote: ↑Wed Aug 08, 2018 4:09 pm
£200, fully comp, the mods declared


Same as me Jem.

Maybe I'm paying our forum recommended provider too much then? :roll:

 

[Jembo]

Jembo wrote: ↑Wed Aug 08, 2018 4:09 pm
£200, fully comp, the mods declared


Same as me Jem.

Maybe I'm paying our forum recommended provider too much then? :roll:

... I’ve now ended up with 4 cars, 3 of which can only be driven by me & the misses.

With the Zed on a 6k max miles policy, the likelihood of only 2 being driven at the same time & I’m an old fe££er has had a lot to do with it.

It would be even lower had some muppet not dragged their snail (caravan) along the side of my stationary TT a few years back & the rozzers not placed a mobile speed camera just behind the 70mph limit facing into the 50 zone on the brow of the hill in 2015...

 

[RustyZ4]

Jembo wrote: ↑Wed Aug 08, 2018 4:09 pm
£200, fully comp, the mods declared


Same as me Jem.

Maybe I'm paying our forum recommended provider too much then? :roll:

You might be Ian, but as you probably know, a lot comes into the maths, postcodes, what other cars are in your household, how much hair you have, excess etc