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      08-30-2007, 12:53 AM   #1
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Insurance

Hi Guys
where is the best place to get insurance for my new e90 325 d sport .I currently use swift cover.com but when i tried to obtain a quote i was told this vechicle requires a tracker ?? WTF .so any ideas and prices im 43 yrs old 3 points sp30 no accidents cheers
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      08-30-2007, 01:35 AM   #2
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Tesco?
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      08-30-2007, 02:23 AM   #3
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I called A plan (broker), and was impressed with their service and price. Most insurers wanted a Tracker on my 335d they located a discounted policy with Zurich that didnt require a tracking device and had v low excesses. The number is 01635 874646, quote 'BMWLand' for additional discount. Hope this helps, give them a try.
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      08-30-2007, 03:28 AM   #4
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Take a look at confused.com, there are a few other search sites also which if you go to them all cover about 95% of the market. I wouldn't advise shopping on price alone though. My insurance with admiral was one of the cheapest on confused, privelege weren't even listed in the results however privelege:

i) were cheaper
ii) Offered interest free payments
iii) Covered all my extras inclusive more or less in the price (admiral wanted them listed, charged extra premium, then wouldn't pay out for them!)
iv) Pay for a brand new car with the extras in first year (as far as I can tell)

It pays to read the policy wordings - I did this a bit too late, after I'd taken out the Admiral policy so got hit with a small cancellation charge when I switched to privelege but was still cheaper and better cover!
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      08-30-2007, 12:22 PM   #5
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just insured my 330i i am 34 5 years ncb no points and paid £370 which includes business class (was a £450 excess though)
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      08-30-2007, 01:20 PM   #6
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Insure it with BMW.

Confused only searches companies that has given them a bung, same as all the search sites, BMW were £100 cheaper than anyone else
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      08-30-2007, 01:28 PM   #7
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Surprising, but BMW was cheapest for me as well. And it went down in my second year with them as well (OK one less vandalism claim to take into account - but still surprising).
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      08-30-2007, 01:32 PM   #8
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Quote:
Originally Posted by roofer View Post
Insure it with BMW.

Confused only searches companies that has given them a bung, same as all the search sites, BMW were £100 cheaper than anyone else
Sorry but that is the most perverse logic and worst suggestion for buying insurance I've ever heard:

So you are saying: Ignore confused - which will show you more or less the cheapest price (bung or no bung) to go with who insured you, because they were the cheapest for you!?

3 problems with that:

i) As per my post above, if you do a few of the search engined you can cover about 95% of the market, ensuring you get the cheapest quote (who cares if they pay a bung if its cheaper)

Ii) A company that's cheaper for you won't necessarily be cheaper for me (bmw were about 100 quid more for me than my insurer and they had worse policy wording)

Iii) Shopping on price could be a mugs game, if you have to claim and you find your options aren't covered, or the excess is greater, or they don't give you a new car in first year, or they consider your 'options' as modifications and want premium for them etc etc

By all means look for a good price but then compare the small print and don't assume a company is cheaper because it was for someone else or that ALL the cheapest and best policies are on confused (privelege wasn't, and worked out best for me).
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      08-30-2007, 01:49 PM   #9
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bmw were more expensive for me too
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      08-30-2007, 02:02 PM   #10
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Quote:
Sorry but that is the most perverse logic and worst suggestion for buying insurance I've ever heard:
It is?

Have you ever had a claim dealt with by BMW?

Quote:
Shopping on price could be a mugs game
Quote:
So you are saying: Ignore confused - which will show you more or less the cheapest price
Why are you on Confused, if your not looking for the cheapest?

Or did you mean you were 'Confused'?

Confused's advertising leads you to beleive they search all.....they don't, therefore they're lying, so will not get my business, or recomendation.

I also insure the wife with BMW, on a non BMW.

Maybe the fact that i have a clean licence, and reasonable post code helps, but until the man tries for himself, who knows?

Policies can have loads of magic wording, until its tested, its worth nothing, like when you insist on a BMW repair centre, and they won't give you a courtesy car as a result...who wants a Micra anyway.

Oh, Zurich private clients are very good as well
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      08-30-2007, 02:03 PM   #11
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confused .com

confused .com they came up with MORE THAN £309 ,so i went to more than direct and it was £298
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      08-30-2007, 02:11 PM   #12
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My sister is with Zurich until Saturday, but they wouldn't quote on the new car as it's got sports suspension.
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      08-30-2007, 02:13 PM   #13
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Uses ESURE.com

Seems a fair deal

ST
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      08-30-2007, 02:24 PM   #14
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esure

£350 with esure
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      08-30-2007, 02:32 PM   #15
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tesco

rip off £397
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      08-30-2007, 03:46 PM   #16
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Quote:
Originally Posted by roofer View Post

Have you ever had a claim dealt with by BMW?

No because i) They were too expensive, ii) I haven't had any claims and iii) It isn't actually BMW, IIRC its someone else like UK Insurance PLC - the same company behind Tesco I believe and several others. Their policy wording was not as good as some other companies. I haven't had a claim so I don't know but as its a legally binding document I'm happy to stick by the wording of it.

Quote:
Originally Posted by roofer View Post

Why are you on Confused, if your not looking for the cheapest?

Or did you mean you were 'Confused'?
Let's not be silly, of course I was looking for a cheap quote. Just not the cheapest at all costs. Confused is a good starting point, as I clearly said my insurer - privelege - weren't even in the results on confused. All I'm saying is, if price is your motivator then why not go to confused as a start, I don't care if they get paid 100% of the premium as a bung or if their advertising is misleading - they are a means to an end.

Quote:
Originally Posted by roofer View Post
Confused's advertising leads you to beleive they search all.....they don't, therefore they're lying, so will not get my business, or recomendation.
Hmmm...let's have a look at confused.com home page, in black and white:

The place for cheaper car insurance and savings on your home insurance! Fill in one form, and we do all the legwork for you.

We go to 97% of car insurers on the net and 65% of online home insurers.

We go to Admiral, Norwich Union Direct, More Th>n, Kwik-Fit and many more! Our siteís easy to use and it saves you time & money.


Pretty clear to me, not claiming they search all at all in fact.

Quote:
Originally Posted by roofer View Post
Maybe the fact that i have a clean licence, and reasonable post code helps, but until the man tries for himself, who knows?
Now you are talking sense - one man's cheapest isn't another man's, so yes, try BMW, why not but look at others to.

Quote:
Originally Posted by roofer View Post
Policies can have loads of magic wording, until its tested, its worth nothing, like when you insist on a BMW repair centre, and they won't give you a courtesy car as a result...who wants a Micra anyway.
Oh, Zurich private clients are very good as well
That's the same with all insurers and hopefully most poeple don't end up making lots of claims to get enough experience. Wording IS worth something - they can't say for instance "we'll give you a new car in the first year" and then not, does your BMW policy do that? Maybe not relevant if your car is > 1 year old.

You have to shop around is all I'm saying, your original post sounded like BMW was all things to all men and it ain't so.
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      08-30-2007, 04:33 PM   #17
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Went round all the normal companies this year and BMW came out cheapest, so have moved to them.

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      08-30-2007, 05:22 PM   #18
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Quote:
your original post sounded like BMW was all things to all men
It did?

My apologies
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      08-30-2007, 06:55 PM   #19
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I use (and have done so for the past 4 years) Liverpool Victoria insurance, a lot of BMW owners seem to use them. not the cheapest quote I had but have had to make two claims in last 4 years and their service in both cases was first class which is what counts for me. cheapest isn't always best where insurance is concerned. actually going from the 530i M-sport to the new 330i M-sport E92 has saved me £200 per year!!
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