Z4 2.0i se/sport - 19 year old - help appreciated

tomscott said:
Where abouts in the UK are you? £1500 sounds steep for a 19y/o with a 2.0l I bought a 2.0l when I was 19 cost me £900 I think. Granted it wasnt a Z but was a BMW.

I would probably ditch the 2.0l and look at 2.5s or 3.0l theres less that goes wrong with them and they wont be much of a price difference now.

Have you done some good shopping around? Admiral is usually the best for younger people. Got my renewal through from admiral for the Z4M and 25 4ync 3 points £650.
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Disca said:
Admiral is my insurance also. Tend to play them off their sister company Elephant when renewing etc, knocked £500 off policy this year by doing so as they will always match the quote.
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tomscott said:
Disca said:
Admiral is my insurance also. Tend to play them off their sister company Elephant when renewing etc, knocked £500 off policy this year by doing so as they will always match the quote.
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+1 Bell is also a sister company so usually play that card too.
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I'm in the midlands, I thought it was pretty reasonable tbh!

Would love the 2.5/3.0si but theres no chance of me getting insurance on them until i'm atleast 20/21 for underwriter reasons.

Just started my search if i'm honest, with admiral at the moment and the £1500 quote was through them, intend to check bell and elephant as you guys recommended, did that last year and worked a treat playing them off against eachother!

Cyberface said:
Having had both the 2L and the TT apart from these last fee red hot weeks where the Z has been incredible. The TT is my favourite by far! The 225 comes with everything. Bose, heated leather, xenons air con. TURBO!! 4wd
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This is the exact problem i'm having, the TT is £500 less to insure, quicker and the spec is substantially different, not forgetting cheaper to buy also. Yes the running costs will be higher, but theres a lot for me to take into account, good to hear of an ex-225 owner who's loved his car though, it's things like this that help me decide, obviously the test-drive will be the ultimate decider!

philip27 said:
Give SKY insurance a call and see if they can help you regarding getting qoutes for the sport. It may be worth trying to get qoutes on other models as well when I got mine a 2.2 was going to cost more than the 2.5 I bought according to the compparison sites. SKY also say they give forum discount so worth a try.
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Thanks Philip, will give them a call now and see how I get on!
 
The Z4 looks better also but that's highly opinionated :D The facelift TT is alot nicer than its predecessor though.

Being 21 I tend to be informed I own a girls car with the Z4 (not that I care), a TT would only be worse on that front, again opinions and down to friendship groups!

I dont think the TT is that much faster that the 2.0 is it? Both around 7.9 seconds.

I wanted a 3.0 when I was first looking but my parents swatted that idea by saying I wouldn't be able to afford to run it. There is always next time for that :D
 
It's odd that the insurance is so different. Bought my Z4M at 23 had the same problem with an E46 M3 the insurance was £2000 and for the Z it was £1000... But I think it's because so many M3s were made and are quite accessible whereas the Z4M there are so few and less were written off etc

If the TT is that much cheaper buy one. You can get a Z later I wouldn't buy a 2.0l simply because they are low on power and seem to go wrong more than any other model of Z.

Although the TT isn't quite the drivers car the Z is it's much more powerful and loads to choose from. Doesn't seem worth it spending that much in insurance for the 2.0l.
 
I paid a lot lot more to insure my 2.0 aged 19

But this was 4 years ago when they were twice the price to buy
 
bloody hell 21 on a z4 and your paying £1500 quid. thats pretty good if you ask me.

im 35 have a full clean license, no points, no accidents, no conditions, kept off road, kept in a garage and im paying ~£900. our esteemed so called preferred waste of space insurer wouldn't even insure me!
 
@Dom I'm 21 paying £1k for my 2.0i insurance, 10k miles per annum with commuting to single place of work.
 
My insurance for my 2.0 sport is good. . 30 years old married chap with one dependant, parked on my drive in Northampton, full NCB with protection and circa 4-450 pounds sterling although having my wife on it brought it down a wee bit. Although when I was 20 I had a FD RX7 and still only paid just over a thousand for that and that thing was mental and modified (all declared!). Cant imagine being young and liking cars as insurance nowadays must be mad!

Yes the 2.2, 2.5 and 3 litre is quicker etc but all depends what you want from your car. You are young so silly chasing performance as such as costs to insure and run but my 2.0 returns good MPG, cheap to run, handles brilliantly (still not as good as the RX7 that was immense!) with a great turn in at speed and is phoenix yellow which was the clincher for me but I wanted mine to cruise the country lanes with top down enjoying it with my wife or my little boy in the passenger seat. Not racing round on the edge. . been their done that and been VERY silly at times but luckily been fortunate never to have been caught out.

Either way hope you get it sorted and figure it all out. Would it be possible to save for another 6-12 months then see what insurance position is etc?

Scotty
 
21 is definately an age to look for in terms of costs dropping, 21 and 25 are milestones from a cost point of view.
 
Thats a good point got my M+D on the insurance dropped it a lot. Also my area is a band A which is another reason its cheap.
 
Just a quick check TG, are you insuring in your name, or are you on the family multicar policy?

If the former, try putting another member of the family on it, the oldest with the least points. The insurers have found that if more than one person is dependant on a car, then people are less likely to claim.
Social conscience sort of thing.

If the latter, then your dad may get extra discount on his car because of adding your car, so it's only fair he gives you this back.......well its worth a try....unless he's paying for yours as well, then it might not be such a good idea. :oops:
 
domsz4 said:
bloody hell 21 on a z4 and your paying £1500 quid. thats pretty good if you ask me.

im 35 have a full clean license, no points, no accidents, no conditions, kept off road, kept in a garage and im paying ~£900. our esteemed so called preferred waste of space insurer wouldn't even insure me!
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Is your area a high band for insurance? Because thats ridiculous. I pay £860 for the M at 24 as said above with my renewal now im 25 is £650 which is really good.
 
I'm 26, 3 points + 6 years NCB insurance on my Z is £465.

That said when I was 21 I bought a Mini Cooper S, I only had 1 years NCB and really struggled to get insured anywhere. Most insurers demanded either 2 years NCB or min. age of 22.

A lot of stereotyping goes on in the world of insurance. Let's face it, we all know that E46 M3's are driven (quite often) by chavs/ boy racers. I'm guessing the average demographic of the Z4M is quite different, hence why insurers view the E46 as a higher risk.
 
its Liverpool and i meant to add before its a 3.0i not a 2.0i but.... i suspect its a some obscure greek letter of a grade its that low here :) the westy was worse (1K miles and £180)

im actually quite happy at the price. (well as happy as i can be) it could be whole lot worse. her indoors has to pay ~600 for a p reg 106 but she only has 2yrs no claims and due to dvla incompetence can only claim to have been driving 10yrs. :x
 
@domsz4 that sounds a pain but in most cities the band is quite high :thumbsdown:

I really struggled getting insurance on my first mini cooper too BS really. My Mini Cooper S costs as much to insure as the Z too, redic.
 
I'm 22 with a clean liscence and pay £880 on my 3.0 which I think is cheap especially with a bad postcode
 
I had my TT for 6 years loved it to bits!


Running cost wise the z is £60 a year cheaper to tax and will do. 10-15mpg more.

If the Z has a standard 6 speaker set up the Bose in the Audi will be loads better

It was also incredible to drive in the snow! Never got stuck anywhere.

The Z does look incredible cruising around with the roof down tho! And looks like it cost a hell of a lot more than it does!
 
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