UK Car Insurance

[PaulMcA]

I have just purchased a white 1M through the BMW AUC network. I'll be collecting the car hopefully end of this week, if not early next. Performance seats and prep being done at the moment.

I question though, I have insured it fine, but the insurance company made a mistake that they are having to honour... So they initially classed it as a M135i... Now they have actually insured it at as a 1M, they have agreed to swallow the extra £300 cost and the fact that they would have insisted on a tracker device.

So I am 41, clean licence and no accidents. Good postcode and car garaged overnight, 6000 miles a year. So I would have thought a low risk.

But the cost (would have been around the £800 mark) and the fact that a tracker was requested has me confused. My M3 CSL 4 years ago was cheaper to insure!

What are others paying and trackers required?

[jan9]

Congrats on the purchase. I would think you'd be able to get insurance cheaper than that and without a tracker. I'm in london, 28 with only 5 yrs ncb, and cheapest quote i got when car was stock was around a £1000 but with no tracker required. Considering your slightly older and assume would have more ncb than i do, and you are outside london, you should be able to get a cheaper price without a tracker, maybe trying all the specialist insurers etc.

[ChrisBuer]

I'm 33, have a clean license (13 years NCB) and a modded 1M (all parts declared) and I've literally just renewed (two days ago) for £659.00. Mine is garaged, social use only and I've got it down for 9000 PA (estimated mileage).

[PaulMcA]

Originally Posted by sladeywadey

I'm insured by Chaucer via Pace Ward.

Age 44, clean licence, 9 years NCB, live in a low risk postcode area outside of M25, 12k miles a year including full business use cover, one free trackday included, tracker needed and fitted, option to add more trackdays, Remap included (to add shortly maybe!).

cost per annum is £750. Same as my CSL 5 years ago. £100 more than my previous 135.

I am with Chaucer via Pace Ward also.

Okay sounds a similar story then. I'll wait the 12 months and see what happens come renewal. I'll hunt around if necessary.
So on this subject and inlight of recent and known BMW OBD port issues, anyone use an additional steering wheel lock or similar when leaving the car? At least until BMW have a fix.

[jan9]

I'm with chaucer too via SKY insurance Don't think i get a free track day though Only company that was reasonable with all the mods but tracker required!

[Pugland53]

I have just renewed a few weeks ago for £380. I'm 39 with full ncd, no claims/points, no tracker required. My wife being on the policy brings the premium down over £100, worth a try if you haven't already.

[Shost]

To chip in also just renewed policy, I'm 29, almost 30 , 7rs NCB, secure car park, average postcode, social only 7000 miles pa. Quotes with Confused Meerkat ranged between £650-850 depending on the excess. I stayed with Admiral who even gave me an extra £100 off just for asking and came to under £750 with around £500 volutary XS.

Asked specifically about extra security and tracker. Lady with Admiral said little difference. Any extra security aids no difference, modifications may add to premium.

Although the ODB port is a problem looks like the insurers are being sensible, unlike the pistonheads lot who were predicting insurance apocalypse.

Ask your insurers whether insuring the car on a driveway would be lower risk. A friend cheapen theirs by stating kept on drive rather than garage as apparenly joe public are good at crashing cars whilst parking in them.

[jan9]

That's strange - when i got a quote on their website you could add the mods and i got a quote. Only mod they wouldn't quote on online was upgraded FMIC.

Originally Posted by sladeywadey

Admiral wouldn't cover mods when I asked their underwriter confirmed when I pushed this with their call centre

[PaulMcA]

Originally Posted by sladeywadey

unlike Jez's team to make a mistake..

I use a disklock and will always use a disklock now. It will make feck all difference to the insurance quote but at least I can look out for the baseball bat-wielding scrote when I go to the car rather than wake up with the car gone or window coshed.

I don't think it was Jez's team that made the mistake. I think it was Chaucer in quoting an a wrong car type despite being told 1M. I suspect Jez's guys have pushed for them to honour it as I had already paid.

I think I am going to invest in the Thatcham approved StopLock as a deterrent until the OBD issue has been resolved. And peace of mind.

[GAZ 345]

try sainsburys car insurance for a quote
http://www.sainsburysbank.co.uk/insu...FXDLtAodKE0AvQ

[Jaw_F430]

I'm with Direct line. Car is stock, I'm 26 with 9 years NCB and it cost me around £980 no tracker required

[Dackelone]

This is why you need a tracking device on any new BMW...


Video: My BMW 1M Coupe Stolen in 3 Min as Part of Recent UK BMW Theft Spree Using OBD
http://www.1addicts.com/forums/showthread.php?t=712717


BMW UK does have a SW patch for UK cars. Since your car is still at the dealer I would ask for the patch/fix. It basically will not let the cloning machine to add any new keys besides the two original key fobs. You HAVE to ask for the SW patch.


Dack