Insurance (UK)

SSBMW14 · 07-12-2019, 01:25 PM

£854 with Admiral, 15 years NCD protected, plus 2 additional drivers including my 78 year old father. Most of my quotes were £1000+ with Admiral being the cheapest for me... not helped by couple of SP30s from 2014! Live in NW London so impacted by recent increase in thefts in area.

Used the advice on here https://www.moneysavingexpert.com/car-insurance/ to get the cheapest quote.

lochview · 07-12-2019, 02:48 PM

I've had various recommendations from everyone here and I've decided on BMW Insurance for when my new car arrives later in the year (X3 M40i):

£64500 market value
10000 miles per year insured
3 drivers insured (35 years old primary driver)
Business for me, SDLC for the other drivers
£0 voluntary excess
11 years NCD Protected
Motor Legal Protection and BMW breakdown cover
Based in Edinburgh, Scotland

With an overall yearly cost of £560 per year which is by far the cheapest of all the quotes I got so far..

X3M40i_Nev · 07-12-2019, 03:14 PM

£405 with Admiral multicar for M40i (10k p/a) and Mini JCW (7k p/a). Wife has 9 years NCD but I only have 1, as previously used wife’s NCD when we only had 1 car.

Spoonhead · 07-13-2019, 05:28 AM

There are so many variables for car insurance that it’s difficult to do like for like comparisons on here, but my LV insurance ended up at £335.

2 drivers, social only, 7k miles. 3 years NCB as previously company car where car not driver is insured.

Crassus · 07-19-2019, 09:30 AM

Quote:

Originally Posted by Spoonhead

There are so many variables for car insurance that it’s difficult to do like for like comparisons on here, but my LV insurance ended up at £335.

2 drivers, social only, 7k miles. 3 years NCB as previously company car where car not driver is insured.

Bargin quote. Lucky you!

MediaMan · 07-19-2019, 02:10 PM

Quote:

Originally Posted by b19rak

Are you near Hinckley? The same hailstorm put holes through my conservatory roof.

Just seen this - yes was in Earl Shilton at the time, moved since tho.

adam.b · 07-19-2019, 05:42 PM

Quote:

Originally Posted by lochview

I've had various recommendations from everyone here and I've decided on BMW Insurance for when my new car arrives later in the year (X3 M40i):

£64500 market value
10000 miles per year insured
3 drivers insured (35 years old primary driver)
Business for me, SDLC for the other drivers
£0 voluntary excess
11 years NCD Protected
Motor Legal Protection and BMW breakdown cover
Based in Edinburgh, Scotland

With an overall yearly cost of £560 per year which is by far the cheapest of all the quotes I got so far..

What for? Standard with new car for first 3 years for free.

X3M40i_Nev · 07-20-2019, 11:00 AM

Quote:

Originally Posted by adam.b

What for? Standard with new car for first 3 years for free.

Agree, BMW Breakdown included for 3 years from new, covering UK and Europe I believe

lochview · 07-20-2019, 02:33 PM

Quote:

Originally Posted by X3M40i_Nev

Quote:

Originally Posted by adam.b

What for? Standard with new car for first 3 years for free.

Agree, BMW Breakdown included for 3 years from new, covering UK and Europe I believe

Yep it is, but you can take BMW insurance on other manufacturers cars that might not have this option on new cars.

I'm not really that bothered it comes in the package because as for me, BMW Insurance is by far the best for my circumstances.

JustChris · 07-20-2019, 03:21 PM

Debenhams, similar parameters to yourself but NW UK and about £450

adam.b · 07-20-2019, 03:22 PM

I have pointed this as every time i'm insuring car they try to flog it despite saying new car which comes with as standard. My £20-30 saved.

X3M40i_Nev · 07-20-2019, 05:11 PM

Quote:

Originally Posted by lochview

Yep it is, but you can take BMW insurance on other manufacturers cars that might not have this option on new cars.

I'm not really that bothered it comes in the package because as for me, BMW Insurance is by far the best for my circumstances.

But surely if you didn’t take it, your premium would be even less?

jbtco · 07-20-2019, 05:25 PM

Does anybody else use NFU mutual, far cheaper than any of the quotes here. Cheaper this year than last as they have a loyalty discount, for 2 years new for old if car stolen or written off, payment by instalments at no extra cost.

lochview · 07-20-2019, 05:26 PM

Quote:

Originally Posted by X3M40i_Nev

Quote:

Originally Posted by lochview

Yep it is, but you can take BMW insurance on other manufacturers cars that might not have this option on new cars.

I'm not really that bothered it comes in the package because as for me, BMW Insurance is by far the best for my circumstances.

But surely if you didn’t take it, your premium would be even less?

Indeed. There wasn't an option on the online quote engine, so when coming around to get it sorted, I will ask them to take it off (if possible).

X3M40i_Nev · 07-21-2019, 12:33 AM

Quote:

Originally Posted by lochview

Indeed. There wasn't an option on the online quote engine, so when coming around to get it sorted, I will ask them to take it off (if possible).

Fair enough, and at the end of the day if you are happy with the quote anyway that is all that matters 👍

205Point74 · 07-24-2019, 01:54 AM

38, clean license, 10 years NCD (as many of the companies only allow 9+ for a new quote) Coop insurance ~£460 (£650 total excess).

Direct line was ~£750 LV ~£650 Lloyds was ~£460 (£850 total excess)

MediaMan · 07-24-2019, 08:00 AM

Quote:

Originally Posted by jbtco

Does anybody else use NFU mutual, far cheaper than any of the quotes here. Cheaper this year than last as they have a loyalty discount, for 2 years new for old if car stolen or written off, payment by instalments at no extra cost.

NFU, while highly rated, have some occupational exclusions, like mine as someone involved in magazine publishing, is one of them.

Ashm3_uk · 02-24-2020, 02:26 AM

Sorry to revive an old post...

Anyone with bymiles.co.uk?
Pay as you go insurance.

Been with them for nearly a year. 1st when I purchased a 2011 M3 vert. All my standard insurance quotes were £1500+ even though I'm 40 and over 10yrs no claims.
Living in Slough with a high car crime rate doesn't help.

Came across by miles and they quoted me a £300 deposit. So this covers me for when the car is parked. If I then don't decide to drive it for the whole year I pay nothing more.

If I do drive I pay £0.08p a mile! Which is charged to my debit card per month.

Insurance is fully comp. and comes as standard with no claims protection with no extra charge. Business mileage included. And upto 4 changes per year to my policy with no extra charge.

They send out a dongle which plugs into my obd port.

I then also covered my 330e which was being quoted for £1000+ but with bymiles I pay £250 deposit and £0.06 a mile.

Your mileage is capped at 150miles a day. Or 10000 miles a year. So if you drive more than 150miles a day you won't be charged anymore even if you do another 100 on top.

I recommended a few friends and I got £50 credit per recommendation. 😁 and over Black Friday I got £100 credit for a recommendation.

This is ideal if you have a second car to insure or like me you drive limited miles.

Not exaggerating this is the cheapest insurance I've had in my 25years of driving!

X3M40i_Nev · 02-26-2020, 04:53 PM

Quote:

Originally Posted by Myk-D

Quote:

Originally Posted by Spoonhead

My insurance quote came out at £336 with just 3yrs no claim bonus and the wife as other named driver. East Sussex location. Late 50s. No points.

You should try all the comparison sites and the ones that don't get quoted like direct line. The same insurance company can quote me differently on different sites, so it's must all be down to algorithms that the sites use.

Cheapest for me was on Confused.com.

I just tried Confused.com based on what you said, and I've got a quote from Admiral for £475, which is less than I'm paying now and massively less than their quote on Compare The Market. Think this might be the one...

With admiral currently, highly recommend as had to make a claim in Nov and again for house damage post storm Dennis....hadn't claimed for years! Excellent service

07-12-2019, 01:25 PM	#45
SSBMW14 Second Lieutenant 369 Rep 228 Posts Drives: Drives 2023 G16 840i Join Date: Apr 2019 Location: London, UK iTrader: (0) Garage List 2023 BMW 840i [10.00]	£854 with Admiral, 15 years NCD protected, plus 2 additional drivers including my 78 year old father. Most of my quotes were £1000+ with Admiral being the cheapest for me... not helped by couple of SP30s from 2014! Live in NW London so impacted by recent increase in thefts in area. Used the advice on here https://www.moneysavingexpert.com/car-insurance/ to get the cheapest quote. __________________ Previously owned BMWs 1999 E46 323i SE, 2002 E46 LCI 330d SE, 2006 E83 X3 3.0d SE, 2007 E87 118i, 2010 E84 X1 18d, 2015 F10 535d M Sport, 2019 G02 X4 M40d
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07-12-2019, 02:48 PM	#46
lochview Second Lieutenant 79 Rep 271 Posts Drives: BMW X3 M40i (MY20 TU) Join Date: Aug 2015 Location: Edinburgh iTrader: (0)	I've had various recommendations from everyone here and I've decided on BMW Insurance for when my new car arrives later in the year (X3 M40i): £64500 market value 10000 miles per year insured 3 drivers insured (35 years old primary driver) Business for me, SDLC for the other drivers £0 voluntary excess 11 years NCD Protected Motor Legal Protection and BMW breakdown cover Based in Edinburgh, Scotland With an overall yearly cost of £560 per year which is by far the cheapest of all the quotes I got so far..
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07-12-2019, 03:14 PM	#47
X3M40i_Nev Straight Six Convert 444 Rep 894 Posts Drives: 2019 X3 M40i Join Date: May 2019 Location: Cotswolds, UK iTrader: (0) Garage List 2018 Mini JCW [10.00] 2019 BMW X3 M40i [10.00]	£405 with Admiral multicar for M40i (10k p/a) and Mini JCW (7k p/a). Wife has 9 years NCD but I only have 1, as previously used wife’s NCD when we only had 1 car.
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07-13-2019, 05:28 AM	#48
Spoonhead Captain 363 Rep 912 Posts Drives: X3M Competition Join Date: Jan 2011 Location: not close enough to Old Trafford iTrader: (0)	There are so many variables for car insurance that it’s difficult to do like for like comparisons on here, but my LV insurance ended up at £335. 2 drivers, social only, 7k miles. 3 years NCB as previously company car where car not driver is insured. __________________ Current Black Sapphire X3M Comp LCI Gone: X3 M40i BM3 / 330d M Sport PPK / 320 Efficient Dynamics / 123d MSport (Superchipped).
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07-20-2019, 03:21 PM	#54
JustChris General 17488 Rep 25,112 Posts Drives: Tesla MYRWD Join Date: Jul 2013 Location: UK iTrader: (0)	Debenhams, similar parameters to yourself but NW UK and about £450 __________________ My car made front page of Bimmerpost
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07-20-2019, 03:22 PM	#55
adam.b Lieutenant 189 Rep 499 Posts Drives: iX3 Premier Join Date: Nov 2018 Location: Bedford, UK iTrader: (0)	I have pointed this as every time i'm insuring car they try to flog it despite saying new car which comes with as standard. My £20-30 saved.
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07-20-2019, 05:25 PM	#57
jbtco Captain 163 Rep 641 Posts Drives: F80 M3 Join Date: Nov 2008 Location: Scotland iTrader: (0)	Does anybody else use NFU mutual, far cheaper than any of the quotes here. Cheaper this year than last as they have a loyalty discount, for 2 years new for old if car stolen or written off, payment by instalments at no extra cost. __________________ M2 competition, Alpine White Previously Owned : X3 M 40i, F80 M3 Comp Pack, DCT, Yas Marina Blue, F80 M3, DCT , E92 M3 Comp Pack, E92 M3, Z4MC, E46 M3 CS, E46 M3
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07-24-2019, 01:54 AM	#60
205Point74 New Member 5 Rep 17 Posts Drives: G01 X3 M40i on Order Join Date: Jun 2019 Location: Scotland iTrader: (0)	38, clean license, 10 years NCD (as many of the companies only allow 9+ for a new quote) Coop insurance ~£460 (£650 total excess). Direct line was ~£750 LV ~£650 Lloyds was ~£460 (£850 total excess)
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02-24-2020, 02:26 AM	#62
Ashm3_uk Private First Class 139 Rep 139 Posts Drives: BMW M3 Join Date: Jun 2019 Location: United Kingdom iTrader: (0)	Sorry to revive an old post... Anyone with bymiles.co.uk? Pay as you go insurance. Been with them for nearly a year. 1st when I purchased a 2011 M3 vert. All my standard insurance quotes were £1500+ even though I'm 40 and over 10yrs no claims. Living in Slough with a high car crime rate doesn't help. Came across by miles and they quoted me a £300 deposit. So this covers me for when the car is parked. If I then don't decide to drive it for the whole year I pay nothing more. If I do drive I pay £0.08p a mile! Which is charged to my debit card per month. Insurance is fully comp. and comes as standard with no claims protection with no extra charge. Business mileage included. And upto 4 changes per year to my policy with no extra charge. They send out a dongle which plugs into my obd port. I then also covered my 330e which was being quoted for £1000+ but with bymiles I pay £250 deposit and £0.06 a mile. Your mileage is capped at 150miles a day. Or 10000 miles a year. So if you drive more than 150miles a day you won't be charged anymore even if you do another 100 on top. I recommended a few friends and I got £50 credit per recommendation. 😁 and over Black Friday I got £100 credit for a recommendation. This is ideal if you have a second car to insure or like me you drive limited miles. Not exaggerating this is the cheapest insurance I've had in my 25years of driving!
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