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      02-13-2013, 03:23 PM   #1
E92MP
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Another Insurance Rip Off

This can't be beaten.

I'm 47yrs old with 30yrs driving experience, 23yrs NCD and a clean licence.

My wife is 49yrs old with 3 1/2yrs experience, 3 yrs NCD and a clean licence.

I have a '57' plate E92 320i and I have modified it.

Mods are:- Black Kidneys, and Performance Auto Gear Shift.

I have just added the Performance Rear Silencer and my insurer has now refused to insure me with my wife on my policy with this enhancement!

My premium is £254 and they told me to take my wife off and "stay legal" is a further £85. Without the £85 I am not insured.

Previous car was an R32 and no problems.

How can they work this out?

It's beyond me!!

Last edited by E92MP; 02-13-2013 at 04:40 PM.
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      02-13-2013, 04:39 PM   #2
gman3msport
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They make it as they go along, tossers!!
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      02-13-2013, 04:47 PM   #3
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Change insurers pal
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      02-13-2013, 05:10 PM   #4
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Quote:
Originally Posted by andy9188 View Post
Change insurers pal
+1
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      02-13-2013, 05:12 PM   #5
Tak1986
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Quote:
Originally Posted by AWBimmer View Post
+1
+1, I use sky insurance, and they are pretty good for modified vehicles
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      02-13-2013, 05:23 PM   #6
Yoro35i
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admiral is quite good especially with multicar policy
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      02-13-2013, 05:32 PM   #7
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Quote:
Originally Posted by E92MP View Post
This can't be beaten.

I'm 47yrs old with 30yrs driving experience, 23yrs NCD and a clean licence.

My wife is 49yrs old with 3 1/2yrs experience, 3 yrs NCD and a clean licence.

I have a '57' plate E92 320i and I have modified it.

Mods are:- Black Kidneys, and Performance Auto Gear Shift.

I have just added the Performance Rear Silencer and my insurer has now refused to insure me with my wife on my policy with this enhancement!

My premium is £254 and they told me to take my wife off and "stay legal" is a further £85. Without the £85 I am not insured.

Previous car was an R32 and no problems.

How can they work this out?

It's beyond me!!
P.s you have nearly got more ncb than I have been alive ha, that's mad I'm 25 just. Look on the brightside you insurance isn't 1200 quid like mine
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      02-13-2013, 05:35 PM   #8
AWBimmer
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Quote:
Originally Posted by andy9188 View Post
P.s you have nearly got more ncb than I have been alive ha, that's mad I'm 25 just. Look on the brightside you insurance isn't 1200 quid like mine
+1
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      02-13-2013, 05:38 PM   #9
andy9188
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Quote:
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+1
You in the same boat as me pal?
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      02-13-2013, 05:43 PM   #10
E92MP
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Quote:
Originally Posted by andy9188 View Post
P.s you have nearly got more ncb than I have been alive ha, that's mad I'm 25 just. Look on the brightside you insurance isn't 1200 quid like mine
Oh man!!! I've been driving for 30 yrs on 29th July 2013.

God I feel old, lol I'm only 47 officially in June 2013. Doh!! still feel old.
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      02-13-2013, 05:45 PM   #11
E92MP
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Quote:
Originally Posted by andy9188 View Post
P.s you have nearly got more ncb than I have been alive ha, that's mad I'm 25 just. Look on the brightside you insurance isn't 1200 quid like mine
Wow £1,200.

My XR2 cost me that in 1989. Still look on the bright side mate, an M3 at your age!! good going, I could only afford a 1.1 Fiesta Ghia at your age. Had a young family.

Dohh, still felling old!

Double
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      02-13-2013, 05:47 PM   #12
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Quote:
Originally Posted by E92MP View Post
Oh man!!! I've been driving for 30 yrs on 29th July 2013.

God I feel old, lol I'm only 47 officially in June 2013. Doh!! still feel old.
age is just a number my friend its what's in the mind that counts
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      02-13-2013, 05:48 PM   #13
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Quote:
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Wow £1,200.

My XR2 cost me that in 1989.

Dohh, still felling old!

Double
Yes 1245 to be exact and I was born 88 haha
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      02-13-2013, 05:50 PM   #14
E92MP
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age is just a number my friend its what's in the mind that counts
Don't go there mate, my doctor has advised me to stop drinking on an empty head!! he, he!
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      02-13-2013, 06:25 PM   #15
E92MP
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Just got a quote for an Aston Martin for me and the wife and my insurers [privilege] who have just refused me with my exhaust are happy to insure us on a £30k car for less than £500.

Utter madness IMHO!
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      02-13-2013, 06:48 PM   #16
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That's crazy E92MP!

You going to change insurers then i take it?
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      02-13-2013, 06:57 PM   #17
E92MP
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Quote:
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That's crazy E92MP!

You going to change insurers then i take it?
Yeh, definitely, prob I have is doing it quickly.

God knows how NJ1161 does it?
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      02-13-2013, 08:24 PM   #18
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Quote:
Originally Posted by andy9188 View Post
Change insurers pal
+1

Quote:
Originally Posted by andy9188 View Post
P.s you have nearly got more ncb than I have been alive ha, that's mad I'm 25 just. Look on the brightside you insurance isn't 1200 quid like mine
+1
LOOOL, he does have more ncd than I've been alive!
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      02-14-2013, 04:03 AM   #19
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Quote:
Originally Posted by andy9188 View Post
Yes 1245 to be exact and I was born 88 haha
to be fair!

£1245 for a 25 year old insured on an E92 M3 i think is pretty dam cheap!

i pay similar for mine same age on a modded 325D!!!!

had i known it would cost me the same to insure the M3 i would have considered! lol

who are you insured with? may need to renew with them!!!
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      02-14-2013, 04:43 AM   #20
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Quote:
Originally Posted by E92MP View Post
Yeh, definitely, prob I have is doing it quickly.

God knows how NJ1161 does it?
Adrian Flux!

They are good for modified cars. I was with Admiral until I wanted wheel spacers - wouldn't insure me at all!

I am with Adrian Flux now. They didn't charge any extra for my dual exhaust conversion, plus they don't charge for "admin costs" when the policy is changed - e.g. when I transferred my reg plate. They just amend the policy and email you a copy.

I am sure NJ1161 uses them too.
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      02-14-2013, 06:25 AM   #21
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Quote:
Originally Posted by E92MP View Post
. Without the £85 I am not insured.

Previous car was an R32 and no problems.

How can they work this out?

It's beyond me!!
Do you really declare grills and a shifter as a mod? What about non BMW screenwash, or a magic tree airfreshener, do you declare that?

Mod by mod you always get hammered with a sort of minimum charge, so it will seem a lot if your premium is already low.

If its that bad, just cancel the policy and go elsewhere (if that doesn't hammer you with charges too)

Quote:
Originally Posted by ssc330d View Post
Adrian Flux!

They are good for modified cars. I was with Admiral until I wanted wheel spacers - wouldn't insure me at all!
Odd, AF wouldn't quote me, but Admiral did all my mods quite reasonably..

Now I'm with Esure (thats right my dear) they were best with all the mods, all these 'specialist' insurance brokers are s##t in my experience, they just markup other policies that you can get cheaper yourself.

Bizzare.
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      02-14-2013, 06:39 AM   #22
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Quote:
Originally Posted by andy9188 View Post
P.s you have nearly got more ncb than I have been alive ha, that's mad I'm 25 just. Look on the brightside you insurance isn't 1200 quid like mine
Can I come and work with you! lol so I can get an M3 too!
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