Insurance?

[Kaz111]

Sorry guys if this been posted.

I'm waiting for my M4 in a couple weeks. I got my insurance quote its 4k for the year with 2 years NCB no accidents no convictions

Any other insurance you guys recommend, At the moment I'm happy with the 4k quote regardless as that's the cheapest if I can get it cheaper will be a bonus.

Thnks

[Sustanon250]

Originally Posted by Kaz111

Sorry guys if this been posted.

I'm waiting for my M4 in a couple weeks. I got my insurance quote its 4k for the year with 2 years NCB no accidents no convictions

Any other insurance you guys recommend, At the moment I'm happy with the 4k quote regardless as that's the cheapest if I can get it cheaper will be a bonus.

Thnks

£4k and you are happy?

How old are you ? 20?

Im with Admiral multi car which is decent value

[Kaz111]

Originally Posted by Sustanon250

£4k and you are happy?

How old are you ? 20?

Im with direct multi car which is decent value

Im 21. Im with Churchill at the moment paying £1200 on my other car I tried to get multi car but churchill want like £6k

Because I am going to drive the M4 daily i'll stick to single car policy.

[Sustanon250]

Originally Posted by Kaz111

Im 21. Im with Churchill at the moment paying £1200 on my other car I tried to get multi car but churchill want like £6k

Because I am going to drive the M4 daily i'll stick to single car policy.

Oh well , if you can afford to sp#nk £4k a year on insurance then go for it , they are incredible cars but id probably end up killing myself at 21 in an M4 !

Ps if it makes you feel better, my 17 year old got a qoute for a C63 amg (we LOVE these) and the cheapest insurance quote was £38k a year

[Kaz111]

Originally Posted by Sustanon250

Oh well , if you can afford to sp#nk £4k a year on insurance then go for it , they are incredible cars but id probably end up killing myself at 21 in an M4 !

Ps if it makes you feel better, my 17 year old got a qoute for a C63 amg (we LOVE these) and the cheapest insurance quote was £38k a year

Yep i know what you mean i tried to get cheaper then 4k but not possible and the insurance company want a tracker on the car which is going to cost more to put 1 in.

[ajfoggy]

Hastings was cheapest each time I quote for an M

[GEP77]

If you haven't already it could well be worth calling round some of the specialist brokers. A quick google search suggests there are quite a few who specialise in high performance cars and young drivers. Also be wary of no claims bonus being used on multiple cars, it's one of those nasty insurance grey areas and the last thing you want is your insurance to be invalid.

[Kaz111]

Yep I have contacted some brokers they are going to get back to me. Just can't wait to get the car, It will be a bonus if i can get it cheaper thn 4k.

[Karlj]

Kaz, have you tried the various comparison sites? 21 with 1yr NCB, no accidents/convictions etc and am paying £1400 through Admiral with declared modifications. I found calling up was a waste of time, the moment you mention "factory options" they just lost their minds. However sticking to either the comparison sites or direct to the insurer through their online portals gave some decent quotes. Churchill and Admiral however are still the only ones offering any (sanely priced) cover for me at least.

To add, I did try a few brokers but lack of experience on a 'high performance vehicle' (400bhp+ was their idea of high performance, previous ownership of 330d/335d etc didn't count) meant it came out far too high.

[TheBurras]

pfft M4 @21, no sympathy

[Minimann]

Well done for a start - Getting an M4 at 21 is good going. Make sure you enjoy it sensibly!

As for me, I'm 28 and have gone through Churchill. Got a quote for £1200 so took it.

Look to add people on to it that you know have had a driving license longer and with no claims (even if they live in a different household) e.g. Your mum.

I did this, as well as my girlfriend and it brought my quote down. Neither have a hope in hell of ever driving it

[Liamjohn10]

I'm 23 and it cost me £1200 a year👍

[dopper99]

I'm mid forties and just had my quote through at £330.

Some advantages of being an old bastard (well older than some on here).

[Kaz111]

Originally Posted by Karlj

Kaz, have you tried the various comparison sites? 21 with 1yr NCB, no accidents/convictions etc and am paying £1400 through Admiral with declared modifications. I found calling up was a waste of time, the moment you mention "factory options" they just lost their minds. However sticking to either the comparison sites or direct to the insurer through their online portals gave some decent quotes. Churchill and Admiral however are still the only ones offering any (sanely priced) cover for me at least.

To add, I did try a few brokers but lack of experience on a 'high performance vehicle' (400bhp+ was their idea of high performance, previous ownership of 330d/335d etc didn't count) meant it came out far too high.

Yes i tried comparison sites it come to £6k cheapest with complete car insurance if i can remember

Im waiting for brokers to let me know what they are quoting me.

[ajfoggy]

Don't forget your post code can make a massive difference as well. I tried with 4 different ones and the difference was about 2k.

[Colinv6]

I'm 32 with 5 years no claims, cheapest I could get was £510 with privaledge

[DazC]

36 years old. 10 years NCD. £300 with direct line.

I found direct line to be well over £100 cheaper than anyone else and I don't think they're on comparison sites. Work quoting direct on their website.

[Kaz111]

Post code makes a big difference. I won't even talk about the midlands you all will know why its expensive.

Everywhere i tried was like young driver and high value vehicle!

Think 4k is the best i got and that's annual payment can't pay in monthly either. Just time to wait for the car now i guess.

[Duffy_90]

26 years old - 7 years no claims - north east England. £845 on a multi car with the better half

[mofomat]

40 years old, max no claims bonus (whatever that is), M4 CP. £1,600 due to needing an unlimited green card for driving in Europe.

[dangerous1]

Full no claims, 5000m a year restriction £184 with hastings.