Insurance

Neil McRae · 07-25-2009, 04:06 AM

best quote for me by a long way was admiral and it went down signifcantly when I added my wife as a second driver!

Neil McRae · 07-25-2009, 04:08 AM

oh but as above phone them up as they can wangle stuff that you can't do online. just a note with admiral, you have to specifically ask them to add commuting to the policy.

M3-FAST · 07-25-2009, 06:58 AM

Quote:

Originally Posted by Neil McRae

best quote for me by a long way was admiral and it went down signifcantly when I added my wife as a second driver!

+1 - Admiral was the best quote by a long way and most importantly did NOT require a tracker to be fitted (saving another few hundred quid!!)

I am 38, full NCD and no points (yet

) - Pay £550 pa for Fully comp, NCD protected, courtesy car, windscreen cover, etc....

Took out multicar and they knocked hundred quid off the current insurer for the missus 2.0HDi C5 VTR+ - £268!!

Obviously we are both named drivers on each others policies. Cars kept on driveway and commuting included.

I was very impressed by the price and the quality of the staff when speaking to them on the phone

J1220 · 07-25-2009, 09:19 AM

I’m having no luck at all. It's more likely I will have to pay £1300

Admiral quoted £870 on the M3 vert

whilst the coupe is £1450 The DCT adds to the premium too.

M3-FAST · 07-25-2009, 09:48 AM

Quote:

Originally Posted by J1220

I’m having no luck at all. It's more likely I will have to pay £1300

Admiral quoted £870 on the M3 vert

whilst the coupe is £1450 The DCT adds to the premium too.

Have you spoken to them or just got internet quotes - I would have thought the vert would be more to insure?

Mine is also DCT and Admiral are aware of this. May be worth a phone call and see why the coupe is so much more expensive?

J1220 · 07-25-2009, 09:52 AM

Quote:

Originally Posted by M3-FAST

Have you spoken to them or just got internet quotes - I would have thought the vert would be more to insure?

Mine is also DCT and Admiral are aware of this. May be worth a phone call and see why the coupe is so much more expensive?

Spoken to all them on the phone. Coupe is 3 insurance groups higher than vert they couldn'e tell me why!!!

MIKEYBMW1 · 07-25-2009, 01:06 PM

I am with BMW insurance £555 fully comp protected no claims full no claims for me and my wife , we are both 40 ,I think thats a very good price but I did have to have Tracker fitted .

DJP · 07-25-2009, 01:34 PM

Crikey, there is so much variance out there..

Admiral do not cover any optional extras, ie factory fitted options unless specifically listed and declared (which raises the premium)- this includes DCT. They were cheap for me, but I went with Privilege instead, 640 including NCD protection & hire car & legal. This includes cover for everything factory fitted Cheapest quote I got was More Than - 510 - but wouldn't give me NCD protection as they have a 5 year period in which claims are counted. I also got shitty service from them a few years ago which put me off.

44 years old 10+ NCD, North London, garaged, wife on policy

iffy2a · 07-26-2009, 06:34 AM

My best deal came via a broker after the 'More Than' fiasco. Try Adrian Flux they are specialist brokers who look after high value and high performance cars.
http://www.adrianflux.co.uk/newflux2/

Speedtrap · 07-26-2009, 08:58 AM

I pay £750 with £250 excess with all my mods declared covering me and the missus. I'm with Privilege insurance.

dar2008 · 07-27-2009, 03:54 AM

Quote:

Originally Posted by Speedtrap

I pay £750 with £250 excess with all my mods declared covering me and the missus. I'm with Privilege insurance.

Did it make a significant difference to the quote by declaring your mods? I'm considering getting an Akrapovic exhaust, tune and filter... just be good to know what I'll be letting myself in for premium wise...

Hayzi · 07-27-2009, 06:51 AM

Admiral were the best for me too!

Speedtrap · 07-27-2009, 04:46 PM

Quote:

Originally Posted by dar2008

Did it make a significant difference to the quote by declaring your mods? I'm considering getting an Akrapovic exhaust, tune and filter... just be good to know what I'll be letting myself in for premium wise...

It does. It adds about 100 more to the insurance which for me is definitely worth it as I have more than 8 years no claims. I protect my no claims as well which you might want to consider.

booforty · 07-27-2009, 05:15 PM

I'm now with Admiral for me and the missus

CardinalZeus77 · 07-29-2009, 10:43 AM

I'm with Admiral too

KadeSdad · 07-29-2009, 01:40 PM

Same here, me and missus are with Admiral, I pay £483 fully comp with full no claims etc. I was also with them on my RRS, which was a great deal too.

Luckily I have never had to claim at any point so I don't know how you'd get on them (Admiral). I made a claim when I was with More Than when I had a 130i, had no problems there.

They reckon LV comes close to the top if having to make a claim?

I also took out the BMW short fall insurance as I know Admiral will not pay out the full value if anything happened, whereas the short fall will pay out the price I paid for the car at time of purchase.

KadeSdad

M3-FAST · 07-29-2009, 05:05 PM

Quote:

Originally Posted by KadeSdad

I also took out the BMW short fall insurance as I know Admiral will not pay out the full value if anything happened, whereas the short fall will pay out the price I paid for the car at time of purchase.

KadeSdad

+1 - Took £15k worth of shortfall just in case I need to claim for a total loss and Admiral don't play ball

Mollox · 07-29-2009, 06:13 PM

Quote:

Originally Posted by iffy2a

Hi Newbie here!!! Extreme caution too all with More Than policies!!!!.......If taken up via the web like I and others have done the policies ARE NOT VALID. A computer error sends out a quotation and policy docs.
I found out when I tried to put a private plate on the car and I was informed 'my policy will be cancelled in 7 days as we do not insure this type of vehicle there is a technical issue with the web.'

EXACTLY what happened to me with More Than. Took my money, issued my policy documents and only when I called up to add my Fully Comp green card for Le Mans did the chap on the phone eventually tell me that they were cancelling my insurance as they "don't insure M3s". Nice of them not to tell me as I was 7 hours away from my policy (in theory) starting with them. Took a lot of angry calls and letters to get my money back (after 2 weeks).

Now pay £1000 with Admiral (30, 5 years no claims, north London) althoug beware - the original quote was c.900 which they then upped to £1,100 due to the factory fit options on my car which they call "modifications". Apparently things like a USB port, Bluetooth and adaptive headlights "obviously make the car more desirable to thieves". In the end I called back, spoke to a more reasonable chap and settled on £1,000. Just as well as More Than were leaving me high and dry.

*****!

donnynsc · 07-30-2009, 04:17 AM

Happended to me as well. Cancelled the useless More Than and move on to Elephant

Mollox · 07-30-2009, 04:40 AM

Was a really bad experience with More Than. The annoying part is that the website let me go through with the quote, I then called up to run through every single detail (I'm like that) and still they were happy to take my money.

I lost the plot with them when it came to getting a refund - first they begged for a day to "speak to their accounts department to see how much exactly they were going to refund". I of course made it abundantly clear that this would be the full premium amount and to not even think about any sort of admin or cancellation charge. They then simply never got back in touch when they said they would and I had to resort to angry letters and even began the chargeback process.

Avoid.

bobbyd1961 · 07-30-2009, 05:36 AM

liberty mutual through BMW . when you get that add in the mail from BMW on insurance dont throw it out cut my bill in half

cienzod · 08-06-2009, 04:21 PM

Was going to go through Admiral, but used their quote to get better quote through a broker. Paid £324 4 years NCB £250 XS with Adelaide Insurance underwritten by Royal & Sun Alliance. Special deal for IAM members ensures Adelaide have to beat any written quote. You just supply them with printed copy of Admiral's internet quote.

07-25-2009, 04:06 AM	#23
Neil McRae BMW Motorsport 235 Rep 2,225 Posts Drives: BMW ///M4 F82 / BMW ///M5 F10 Join Date: Jan 2009 Location: Surrey iTrader: (1) Garage List 2020 BMW M5 CP [0.00] 2015 BMW M4 [10.00]	best quote for me by a long way was admiral and it went down signifcantly when I added my wife as a second driver! __________________ -- Neil J. //McRae -- Alive and Kicking -- neil at DOMINO.ORG --///M ARMY M5 CP Alpine White -- M2 LBB -- M4 DCT CP Alpine White
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07-25-2009, 04:08 AM	#24
Neil McRae BMW Motorsport 235 Rep 2,225 Posts Drives: BMW ///M4 F82 / BMW ///M5 F10 Join Date: Jan 2009 Location: Surrey iTrader: (1) Garage List 2020 BMW M5 CP [0.00] 2015 BMW M4 [10.00]	oh but as above phone them up as they can wangle stuff that you can't do online. just a note with admiral, you have to specifically ask them to add commuting to the policy. __________________ -- Neil J. //McRae -- Alive and Kicking -- neil at DOMINO.ORG --///M ARMY M5 CP Alpine White -- M2 LBB -- M4 DCT CP Alpine White
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07-25-2009, 09:19 AM	#26
J1220 Private 10 Rep 96 Posts Drives: M3 Coupe 09 Join Date: Apr 2009 Location: UK iTrader: (0)	I’m having no luck at all. It's more likely I will have to pay £1300 Admiral quoted £870 on the M3 vert whilst the coupe is £1450 The DCT adds to the premium too.
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07-25-2009, 01:06 PM	#29
MIKEYBMW1 GT3 47 Rep 1,679 Posts Drives: PORSCHE GT3 Join Date: Sep 2008 Location: LINCOLNSHIRE UK iTrader: (1)	I am with BMW insurance £555 fully comp protected no claims full no claims for me and my wife , we are both 40 ,I think thats a very good price but I did have to have Tracker fitted . __________________ PORSCHE GT3
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07-25-2009, 01:34 PM	#30
DJP Private First Class 7 Rep 104 Posts Drives: i3s 2020 Join Date: May 2007 Location: London iTrader: (0)	Crikey, there is so much variance out there.. Admiral do not cover any optional extras, ie factory fitted options unless specifically listed and declared (which raises the premium)- this includes DCT. They were cheap for me, but I went with Privilege instead, 640 including NCD protection & hire car & legal. This includes cover for everything factory fitted Cheapest quote I got was More Than - 510 - but wouldn't give me NCD protection as they have a 5 year period in which claims are counted. I also got shitty service from them a few years ago which put me off. 44 years old 10+ NCD, North London, garaged, wife on policy
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07-26-2009, 06:34 AM	#31
iffy2a Registered 0 Rep 3 Posts Drives: E92 M3 Join Date: May 2009 Location: Lancashire iTrader: (0)	My best deal came via a broker after the 'More Than' fiasco. Try Adrian Flux they are specialist brokers who look after high value and high performance cars. http://www.adrianflux.co.uk/newflux2/
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07-26-2009, 08:58 AM	#32
Speedtrap Lieutenant Colonel 57 Rep 1,798 Posts Drives: A very fast car :) Join Date: Sep 2008 Location: London iTrader: (0)	I pay £750 with £250 excess with all my mods declared covering me and the missus. I'm with Privilege insurance. __________________
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07-27-2009, 06:51 AM	#34
Hayzi Private First Class 12 Rep 159 Posts Drives: 09 E92, BMW S1000 RR Bike Join Date: Apr 2009 Location: UK iTrader: (0)	Admiral were the best for me too!
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07-27-2009, 05:15 PM	#36
booforty Major General 337 Rep 8,811 Posts Drives: E92 M3 Join Date: Mar 2005 Location: London, UK iTrader: (0) Garage List 2008 E92 M3 [0.00]	I'm now with Admiral for me and the missus
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07-29-2009, 10:43 AM	#37
CardinalZeus77 Captain 190 Rep 817 Posts Drives: Porsche 991.2 Carrera S Join Date: Jul 2005 Location: United Kingdom iTrader: (0) Garage List 2019 G20 BMW 320d X ... [0.00] 2014 BMW F80 M3 [10.00]	I'm with Admiral too __________________ Current: 991.2 Carrera S Sold: BMW G20 320d Xdrive M Sport Sold: Porsche Macan GTS Night Blue / Full GTS Interior Sold: F80 M3 Black Sapphire/Sakhir Orange Sold: E92 M3 Jerez Black/Fox Red Leather
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07-29-2009, 01:40 PM	#38
KadeSdad Colonel 130 Rep 2,070 Posts Drives: E350 CDI Sport Cabriolet Join Date: Mar 2009 Location: UK iTrader: (3)	Same here, me and missus are with Admiral, I pay £483 fully comp with full no claims etc. I was also with them on my RRS, which was a great deal too. Luckily I have never had to claim at any point so I don't know how you'd get on them (Admiral). I made a claim when I was with More Than when I had a 130i, had no problems there. They reckon LV comes close to the top if having to make a claim? I also took out the BMW short fall insurance as I know Admiral will not pay out the full value if anything happened, whereas the short fall will pay out the price I paid for the car at time of purchase. KadeSdad
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07-30-2009, 04:17 AM	#41
donnynsc Private First Class 8 Rep 133 Posts Drives: 2010 GT-R Black Edition DMG Join Date: Aug 2008 Location: UK iTrader: (3)	Happended to me as well. Cancelled the useless More Than and move on to Elephant
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07-30-2009, 04:40 AM	#42
Mollox Private 10 Rep 82 Posts Drives: Sparkling Graphite E92 M3 Join Date: Jun 2009 Location: London iTrader: (0)	Was a really bad experience with More Than. The annoying part is that the website let me go through with the quote, I then called up to run through every single detail (I'm like that) and still they were happy to take my money. I lost the plot with them when it came to getting a refund - first they begged for a day to "speak to their accounts department to see how much exactly they were going to refund". I of course made it abundantly clear that this would be the full premium amount and to not even think about any sort of admin or cancellation charge. They then simply never got back in touch when they said they would and I had to resort to angry letters and even began the chargeback process. Avoid.
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07-30-2009, 05:36 AM	#43
bobbyd1961 Banned 43 Rep 2,406 Posts Drives: 2009 M3 sedan LeMans Blue Join Date: Jun 2009 Location: new jersey iTrader: (0)	liberty mutual through BMW . when you get that add in the mail from BMW on insurance dont throw it out cut my bill in half
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08-06-2009, 04:21 PM	#44
cienzod Rookie 6 Rep 34 Posts Drives: X3 E83 // Mini Cooper S vert Join Date: May 2009 Location: Scotland iTrader: (0)	Was going to go through Admiral, but used their quote to get better quote through a broker. Paid £324 4 years NCB £250 XS with Adelaide Insurance underwritten by Royal & Sun Alliance. Special deal for IAM members ensures Adelaide have to beat any written quote. You just supply them with printed copy of Admiral's internet quote.
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