[E92MP]

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!!