Car insurance

[Matty]

Yeah, they are getting crashed and nicked a lot....

Admiral Direct are saying £1388 (aka £125/month) for basically everything (euro, hire car, personal masseuse) which given the car and the way insurance has gone this year, seems more reasonable.

How much!? Is that reasonable? I'd have said £600 was reasonable given your age. Maybe being in the North is doing you no favours though.

[Beany]

Probably being within spitting distance of Leeds and Bradford is the problem, honestly....

[Carlos]

Try adding an older brother/sister as a named driver if you have one.

[Zonda_]

Strange how there is so much difference between out quotes. I live in a small town in the North, I'm a bit older that you but my quote is £500.

[Beany]

Yeah it's kinda potty.

I mean, don't get me wrong, I'm not going to be crippling myself with £1400/PA insurance, it's more the affront of it!

[Sundayjumper]

Safely Insured (current insurer) won't take quotes on unmodified cars any more…

…

Comparison sites are coming up with £1300-1400 from Bell and Admiral initially…

I’ve been using Reis for the last few years, initially because they specialised in competition cars, but then they gave me a decent quote on everything else at renewal time so I moved the whole fleet. Now it’s changed. Last year when I needed to add the Ferrari and then the Smart, they were double the price from Admiral. Plus they wanted a tracker, and wouldn’t accept Gavster as a named driver. It seems they don’t want to deal with road cars any more.

[Beany]

Feels like the insurance industry has taken a kick in the balls from a few smaller things (EVs being expensive to repair, range rovers being laughably easy to nick, etc) and they're now being hyper-conservative about who they cover.

A few years ago you'd get pretty decent quotes from most places now they're all over the place.

[Beany]

Huh. BMW Flex insurance is coming out at £5/month (£121 vs £126) cheaper than Admiral for basically the same cover. And it's monthly rolling, etc.

Who'da thunk it?

[Barry]

Huh. BMW Flex insurance is coming out at £5/month (£121 vs £126) cheaper than Admiral for basically the same cover. And it's monthly rolling, etc.

Who'da thunk it?

I paid £195 FC on the EP3, last October. For the entire policy.

Just realised, this isn't for the old E46 is it

[GG.]

To be honest - c.£1500 is what I would consider normal for a 300bhp rear wheel drive performance car, for an average driver and location. Yes maybe if you're 65 and live in Powys (apparently safest place in the country) it may be in the hundreds but at 40 you're still as likely to be a hooligan as the pipe and slippers brigade

[16vCento]

I paid less than 1500 a year for the XF, V60 and Disco 3 combined and i was 34 then!

[Sundayjumper]

To be honest - c.£1500 is what I would consider normal for a 300bhp rear wheel drive performance car, for an average driver and location. Yes maybe if you're 65 and live in Powys (apparently safest place in the country) it may be in the hundreds but at 40 you're still as likely to be a hooligan as the pipe and slippers brigade

You've been in London too long ! I've got three 300bhp(ish) rear wheel drive performance cars here and on the renewal last July it came to about £1k for all three of them.

Remind me of my smugness when next renewal rolls around and it's tripled

[Jobbo]

Over £1000 for insurance still sounds mad to me. That was my mental limit back in my 20s when I wanted something fast; I think I paid about £900 per year for my Corrado VR6 insurance aged 25 with a London address. It's never been as much since. Not looking forward to the renewals this year if premiums have doubled or tripled; I might end up breaching my rule.

[integrale_evo]

A few of mine have gone up a little, the x5 came down a decent chunk and is actually the most reasonable of the lot considering the size / weight / only having a years no claims against it.


Anyway, yesterdays insurance calamity….

Had a renewal through from esure for the mito, but with the reg number which is currently on the x5.

Queue some frantic email searching, and some insurance database checking to make sure everything I think is insured is actually insured


I’m sure when I swapped the reg numbers last year (about this time) it was so close to renewal, and I’d already decided to move elsewhere for the next year that I just didn’t use the car for a couple of weeks and let the policy run out rather than faff about and pay the admin fee to swap numbers. Taking out the new policy with the car back on its original number.

Obviously amongst all this I forgot to cancel the auto renewal from esure. So I’ve had two different policies running against the same car under different registration numbers for a year

[Rich B]

To be honest - c.£1500 is what I would consider normal for a 300bhp rear wheel drive performance car, for an average driver and location. Yes maybe if you're 65 and live in Powys (apparently safest place in the country) it may be in the hundreds but at 40 you're still as likely to be a hooligan as the pipe and slippers brigade

My £530 insurance for my 400bhp RWD still feels like someone cocked up and missed a 1 off the front!

[Beany]

To be honest - c.£1500 is what I would consider normal for a 300bhp rear wheel drive performance car, for an average driver and location. Yes maybe if you're 65 and live in Powys (apparently safest place in the country) it may be in the hundreds but at 40 you're still as likely to be a hooligan as the pipe and slippers brigade

You've been in London too long ! I've got three 300bhp(ish) rear wheel drive performance cars here and on the renewal last July it came to about £1k for all three of them.

Remind me of my smugness when next renewal rolls around and it's tripled

Park them on the street, declare that on your insurance and see how it goes

Not having a driveway doesn't help either, etc.

Anyway, looks like BMW Flex insurance is the way to go for now, and as it's rolling monthly, if I do manage to convince my lot that the BMW Motorsport exhaust and bodykit are modifications and I get a better deal out of them, then I can switch over to that etc. But for now, best to just be insured for the weekend.

[integrale_evo]

Sounds like a good excuse for an lsd, jb4 and some coilovers to me

[Beany]

Sounds like a good excuse for an lsd, jb4 and some coilovers to me

No. BAD INTEGRALE_EVO, BAD.

*sprays with water*

No mods. I'm a good boy.

[Matty]

Over £1000 for insurance still sounds mad to me. That was my mental limit back in my 20s when I wanted something fast; I think I paid about £900 per year for my Corrado VR6 insurance aged 25 with a London address. It's never been as much since. Not looking forward to the renewals this year if premiums have doubled or tripled; I might end up breaching my rule.

I'll skip over the assumption about when your 20's were and what that is in today money, but similar agreement on the mental limit (per car). Other than a few stupid choices in my early 20's, I've not paid more than about £500-600 for any of my performance cars since, even with Birmingham/Wolverhampton postcodes.

The idea that £1500 is in anyway "normal" seems mental to me, but then I'm totally disconnected from the London bubble.

[Mito Man]

Only my Mito is insured under my London address, it's just shy of £1000 for a car which is worthless and has no power. Would cost £200 in the countryside. Also cost me close to £30,000 in parking permits over a decade.