Shop around peeps !!!
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Category: Regional & Specific Forums
Forum Name: Scottish Forum
Forum Discription: where Scottish regional members can discuss upcoming events
URL: http://www.bavarian-board.co.uk/forum_posts.asp?TID=47387
Printed Date: 07-May-2024 at 02:20
Topic: Shop around peeps !!!
Posted By: Cambell
Subject: Shop around peeps !!!
Date Posted: 24-November-2010 at 18:06
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Its insurance renewal time and the details have popped through my door. I'm a bit annoyed about that as the inurance company phoned me last Thursday at an inconvenient time and I asked them to call back on the Friday after 2PM, I'm still waiting, but hey, my renewal has arrived. Now, when I bought the car in April of this year, I felt I got humped with the change price. Well the renewal price is £542 with an option of a policy at£490.85 After being advised on TV by a wee portly Arab and a former F1 and Nascar racing champion, I went on the comparison website and have managed to get a fully comp policy for pennies over £230. Haggle haggle !! Well worth the look, you guys do the maths. |
Replies:
Posted By: Pete330
Date Posted: 24-November-2010 at 19:32
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Who is the qoute with? ------------- Previous: E36 318is coupe, E36 323i coupe, E30 316 saloon, E30 318 saloon, E46 330ci Sport Conv E92 325d M Sport(3.0),With Loads of gadgets Current: 116i Sport F20 |
Posted By: Cambell
Date Posted: 24-November-2010 at 19:41
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I'll check and PM you, dont have to accept till 5/12/10 so have saved the quote reference. ------------- |
Posted By: Pete330
Date Posted: 24-November-2010 at 19:50
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Mine is due also Cheapest so far AA £302 With legal and PNCB Extra driver
£200 excess
Probz wont get much cheaper,but will let my current (Performance direct) have the option ------------- Previous: E36 318is coupe, E36 323i coupe, E30 316 saloon, E30 318 saloon, E46 330ci Sport Conv E92 325d M Sport(3.0),With Loads of gadgets Current: 116i Sport F20 |
Posted By: Issy
Date Posted: 24-November-2010 at 20:31
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Cambell Has the mods you made to the car made a difference?
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Posted By: Cambell
Date Posted: 24-November-2010 at 20:55
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Issy wrote:Posted By: Andrew Rolland
Date Posted: 25-November-2010 at 09:18
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Nice result Cambell I shopped around one year and went from over £600 to £328! In the days before BMW's though. Both my wife and I are with Admiral Multicar Policy. We are probably getting screwed but as we have both made no fault claims with Admiral (for full loss of the car in both cases) we feel if we did go anywhere else and when we get asked the question of "have you made any claims in the last 5 years" it is going to affect the policy big style. One important point to note about premium price is make sure you only insure your car for what it is really worth. If you bought your car for £15k, 3 years ago and you insured it for £15k, 3 years ago, your premium is based on the £15k. Today it isn't going to be worth £15k so there is no point paying a premium for that value. If it is only worth £9k today, that will make a difference to the premium you pay. ------------- Be exclusive and drive a Petrol 5 Series! Current '13 62 F10 535i MSport Auto Previous '04 04 E60 545i SE Auto '03 53 E60 545i SE Auto (Stolen) '98 S E39 523i SE Auto |
Posted By: stevie53
Date Posted: 25-November-2010 at 09:59
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cracking result Cambell.
I never tell them about mods, it's enough of a pain in the 4rse constantly repeating yourself when shopping around to also mention a long list of mods.  ------------- ///2000 E39 M5 Imola Red/// NO MORE una volta lei ha avuto l'italiano lei non andrą mai tedesco di nuovo haha |
Posted By: Webdunk
Date Posted: 25-November-2010 at 10:14
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When I do my first trawl I don't mention the mods. It lets me know what the bell curve of charges looks like this year; who wants my business and who doesn't.
Then I go to mods specialists and compare. I always make sure the mods are declared on the final policy tho. If I ever have the misfortune to need my insurance, I will not be giving the insurance company any excuses to squirrel out of it. ------------- 
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Posted By: stephenperry
Date Posted: 25-November-2010 at 13:46
Indeed, I always respond "market value" when asked this question over the phone. They'll only pay out what it's currently worth anyway. I think agreed valuations only come into play on classic cars, but I'm happy to be corrected. ------------- 2007 Ford Mondeo 2.0 TDCI Titanium X Auto 1983 Ford Sierra XR4i 2000 Alpina B10 3.3 #118 1999 BMW 323Ci 1995 BMW 318i SE 1994 Vauxhall Omega 2.0 GLS 1995 Ford Mondeo 1.8 LX 1990 Honda Concerto 1.6 EX 1986 Ford Orion 1.6 GL 1989 Ford Fiesta 1.1 Firefly |
Posted By: Cambell
Date Posted: 25-November-2010 at 14:18
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I've been very realistic with the value, no point not being. ------------- |
Posted By: Pete330
Date Posted: 26-November-2010 at 21:41
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Got my renewal letter and to my shock its only 315 but has a voluntary excess of 250,so going to call tomorrow get them to remove that and match AA for 300,if that fails then there own quote for 316 with no voluntary excess i got on line ------------- Previous: E36 318is coupe, E36 323i coupe, E30 316 saloon, E30 318 saloon, E46 330ci Sport Conv E92 325d M Sport(3.0),With Loads of gadgets Current: 116i Sport F20 |
Posted By: Pete330
Date Posted: 27-November-2010 at 09:24
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Excess removed,price now £299
Happy days! ------------- Previous: E36 318is coupe, E36 323i coupe, E30 316 saloon, E30 318 saloon, E46 330ci Sport Conv E92 325d M Sport(3.0),With Loads of gadgets Current: 116i Sport F20 |
Posted By: Nicola
Date Posted: 28-November-2010 at 11:30
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Remember adding an extra driver can significantly reduce your
premium. When insuring my car this year the quote for fully comp reduced by £200 by adding my dad, even although he had points. Nicola ------------- 
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Posted By: Pete330
Date Posted: 28-November-2010 at 12:31
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Yes i do the same,even tho i have no intension's letting him drive it lol ------------- Previous: E36 318is coupe, E36 323i coupe, E30 316 saloon, E30 318 saloon, E46 330ci Sport Conv E92 325d M Sport(3.0),With Loads of gadgets Current: 116i Sport F20 |
Posted By: Andrew Rolland
Date Posted: 28-November-2010 at 13:58
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I took my dad off my policy cos he got 3 points for speeding and I saved £12 at renewal time! Stevie, if you don't declare your mods and you need to make a claim you are leaving yourself with the potential of the insurance company walking away without giving you a penny. ------------- Be exclusive and drive a Petrol 5 Series! Current '13 62 F10 535i MSport Auto Previous '04 04 E60 545i SE Auto '03 53 E60 545i SE Auto (Stolen) '98 S E39 523i SE Auto |