Mad insurance

[milu]

I know it’s a worn out topic.
My insurance is pretty cheap across the board. Various vehicles all good value. My just sold Aston was £150!
However I’m really struggling to get a good quote on 640d GC. Between 800-2000!!
In fact I got a better quote on a M6??
Off to look at one in a bit. It won’t stop me buying but a bit miffed that I’ll save on Road tax only to lose on insurance

[va1o]

I've had exactly the same on my 840i this week, it shot up from ~£650 to nearly £2k for seemingly no reason. It's been the final straw with the car so I've decided to sell it as can't justify the excessive cost

[oldaudi]

So many variables of course but my 640i was £330! There are other threads regarding insurance and everything is going up up and up

I just moved to a M4 and it’s £1000

[BlindedByTheLights]

Bought a 330d earlier this year, could not get lower than £970, previous cars 3-400

Perhaps it’s due to the market for nicked bumpers, head lights and m sport steering wheels.

[milu]

Right about variables.
But I can’t see why a 640d I’d at least 5x price of my Vantage. Seems 640i is cheaper too

[sortedcossie]

As mentioned been a few topics on this, and sadly it's due to the theft rate of parts and whole vehicles.

I have an F31 335d 66 plate (standard car, S,D & P plus full business use for me and my wife, 4k miles per year, clean licenses for 15 years):

2022 premium = £525

2023 premium = £640

2024 premium (renewal price) = £1,190

I fell off my seat when I opened the letter. Got it down to £850, but had to call round - the online comparison sites were all over 1k.

We've had an attempted break in once for the keys, and a few instances of scrotes on the drive trying doors and looking around it. I've said one more incident and it's going up for sale.

[Court_S]

BMW insurance does seem like a bit of a lottery at the moment.

Last year my wife’s E91 330i cost a chunk more to insure than my mapped / lowered etc E92 335i. Odd.

[sortedcossie]

Get this, 2008 E91 330d on identical use policy bar 6k miles versus 4k on the F31 = £312

It's been 300 quid or there abouts for years, so the newer models being more vulnerable affects it hugely.

[popeyewhite]

sortedcossie said:

As mentioned been a few topics on this, and sadly it's due to the theft rate of parts and whole vehicles.

There's considerably more to it than that, not the least the rising cost of new cars and the increase in payouts for personal injury claims. All that is understandable if you drive a car that falls into one of the categories mentioned. But why should the driver of a three year old Golf see their premium skyrocket? It's the industry business model itself that's at fault to a degree.

[MitchT]

I'm looking for a new (to me) BMW at the moment. Really want an F32 440i but keeping my options open and running quotes for various cars...

840i - £500
440i - £550
M4 - £900

Also, 420i - £360 and, somewhat amusingly, Porsche 981 Cayman - £364!

[Somebody]

Have you tried a quote on BMW Flex?

[milu]

Gone with admiral for 750

Nice car though. Just needs a good valet

[VeeTenM]

Check the usual, Moneysupermarket, Gocompare

My was 450 back in Jan. They are pulling everyones pants down it seems, might start my own seems like a easy way to make money...

[milu]

Just got back. 47 mpg!
Glad it has VDC as the ride over poor surfaces can be challenging as many before me have said.
It is on 20” Dunlop RF though.

Head up display with nav very good.

[rottenegg]

Somebody said:

Have you tried a quote on BMW Flex?

That's who I use currently and apart from the no name, no cover insurers, Flex were cheaper than the big players on Go compare, meerkats et al.

I was with LV= last year at £660 for my 2016 330d. This year it went up to £1250. Upon renewal, LV= refused to quote on said comparison sites, but BMW Flex is underwritten by Highway, and who are Highway a part of? Yup, LV=

Nobody can figure out the other worldly mystery that is motor insurance, but I suspect with BMW diesels in particular, there is the well publicised engine fire issues that are probably notching them up on the risk factor vs the petrol engines?

Another thing is cost of repair. 2 grand for a 3 series adaptive LED headlight, £1500 for non adaptive. Stupid labour rates at well over £100p/h and a minor front end shunt runs you into several grand.

[Mr Tidy]

Congratulations.

Any car insurance has shot up this year, but thankfully it doesn't seem to have affected my old BMWs too badly.

Strange that an M6 would have been cheaper to insure than a 640d, although when I swapped my Z4 3.0Si for an M in 2019 the M was cheaper to insure. Maybe M owners are a bit more precious about their cars!

[cerb4.5lee]

Prior to having the M4 and the GLE400d which are both expensive to insure, the 640d was my most expensive car that I've had to insure too. I just don't know why though?

[journeymanpro]

Just insured my 435d, more than i wanted to pay at £600 (inc business) but reading these comments seems it isn’t that bad.

[rottenegg]

cerb4.5lee said:

Prior to having the M4 and the GLE400d which are both expensive to insure, the 640d was my most expensive car that I've had to insure too. I just don't know why though?

Because the N57 is flagged as high risk due to engine fires.

[milu]

Didn’t know about the fires.
Good point about the headlights though. This one has the full ready to go wrong at any moment versions lol