09-09-2023, 09:53 AM | #23 | |
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Current: 2023 X4 M40d (Brooklyn Grey)
Former: 2019 X3 M40d (Sophisto Grey), 2016 335d xDrive Touring (Estoril Blue), 2013 330d xDrive Touring (Mineral Grey) Before that: Jag XF 3.0dS, Several Audi A6 3.0TDi Avants, BMW X5 4.4i, BMW 330Ci (and before that is too embarrassing to speak of!) |
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09-09-2023, 10:05 AM | #24 | |
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09-12-2023, 09:16 AM | #25 |
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Admiral wanted a 60% uplift at renewal last month, did a bit of digging and challenged them to price match (IIRC BMW Flex was one of the best)
I'm at £598 a year fully comp, protected NCD, Legal cover with a £350 excess, wife insured plus business use. No mods. That's about a 19% uplift from the previous year. Admiral price-matched without any quibbles, it was almost a formality, so just shows you (a) they're at it and (b) the UK Gov legislation to prevent price-gouging existing customers is toothless. Pretty much like every attempt at regulation. Mrs BT got quoted a 90% uplift on her cover from Esure, ended up getting the exact same cover from BMW Flex for £80 a year less. Didn't bother messing about with trying to get them to price match, the guy she spoke to was pretty resigned to us moving by the sound of things. There'll inevitably be another mug along soon enough that will pay full price. |
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09-12-2023, 09:29 AM | #26 | |
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09-12-2023, 11:03 AM | #27 |
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Mine isn't due until November but just did a comparison to see what it is looking like. When I got the car in April I transferred my insurance so not sure what the full price would have been but in the region of around £340, that's based on £180 for the policy on my 330i and an additional premium of £90 to swap to the X3 with 7 months left to run so about an extra £160 for the year. Cheapest quote is with NCI at £487 and Darwin is coming out at £540 so a £200 increase. I will have to see what my renewal quote is in a few months especially as I have had a windscreen claim.
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09-12-2023, 11:26 AM | #28 |
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Just tried them, came out at £52.70 a month so £632 a year so about £150 more expensive than my cheapest quote but not unreasonable
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09-12-2023, 11:33 AM | #29 |
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Never tried BMW’s flex before, I’ll have to give it a mental note to try next year.
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09-12-2023, 12:59 PM | #30 |
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09-12-2023, 01:06 PM | #31 |
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Given the price of some of the quotes, I’ll be searching all avenues for a good deal.
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Current - 2022 X3 M40d LCI in Brooklyn Grey.
Modifications - AutoID Front Splitter. DTUK Pedalbox Plus. Gloss Black M Badges. 3d Maxpider Kuga Floor Matts & Cargo liner. BMW M-Performance Flow Through Spoiler. Mid-Trunk Spoiler. 15mm Spacers all round. AP Arch Guards. X3M Side Vents. 699M Wheels Gloss Black |
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09-12-2023, 04:07 PM | #33 | |
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It is worth doing a quote just so you can see where your higher risk factors are |
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09-13-2023, 02:14 AM | #34 | |
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Time with car is odd, and doesn't seem to factor if you've driven the same model before this one. "Social only" cover increased my quote cost compared to social and commuting ??? Job title and industry were other bizarre changes. Sat in an office doing the same work in industry A, is considered a higher risk than doing the same job in industry B LOL. Value and time drive was a bad score for me something like 3 out of 47 !! Just goes to show the BS they use |
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09-13-2023, 07:46 AM | #35 | |
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09-13-2023, 09:11 AM | #38 |
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09-13-2023, 03:04 PM | #39 |
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AA are appalling on price, same as More Than which is always apparent!
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2022 X3 M40i LCI. Brooklyn Grey Metallic. Driving Assistant Professional. Black with Blue Stitching Vernasca Leather M Seats. Comfort Pack. Pano Roof. OEM Carbon Fibre Interior Trim. 22” Vossen HF-5’s in satin bronze. Lots and lots more………
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09-13-2023, 03:34 PM | #40 | |
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Rumour is that it is selling it’s customer renewals to Swinton, so that will be a silly expensive price. |
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11-11-2023, 08:24 AM | #41 |
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Wow, I feel like I have just been violated. I changed cars in April so my insurance was a mix of 4 months on the 330i and 8 months on the M40i, total cost £330. Renewal came through with Darwin at £640 with a windscreen claim, 9 years NCD, no convictions, SDP only, no commuting. Having shopped around, the best price was with Churchill, £542 for essentials policy or £590 for standard policy, the excess being £100 lower at £350, and included miss fueling, lost keys, driving other cars, child seat replacement and free legal cover, all of which were excluded under the essentials policy. I went with the standard policy at £590, £36 cashback from Top Cashback brings that down to £554 and £250 excess cover from GoCompare brings the excess down to £100, but even so it is still significantly more than 8 months ago.
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11-11-2023, 08:42 AM | #42 |
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I’m dreading my renewal again in April.
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Current - 2022 X3 M40d LCI in Brooklyn Grey.
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11-11-2023, 09:33 AM | #44 |
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You’ll almost require an aircraft crash safety brief prior to calling the insurance company.
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Current - 2022 X3 M40d LCI in Brooklyn Grey.
Modifications - AutoID Front Splitter. DTUK Pedalbox Plus. Gloss Black M Badges. 3d Maxpider Kuga Floor Matts & Cargo liner. BMW M-Performance Flow Through Spoiler. Mid-Trunk Spoiler. 15mm Spacers all round. AP Arch Guards. X3M Side Vents. 699M Wheels Gloss Black |
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