330d m sport insurance

[a4cabrio]

I have been looking at changing from my golf Gti to a 330d m sport, I thought I would check out what the insurance would be before i get too much into looking, the cheapest quote I have come across is £976 from tesco, that's double what I pay on my Gti, I have 7 years NCB but have 3 points and 1 fault claim. Would anybody have any ideas on who I could try for a decent quote please??

I test drove a 330d m sport on Saturday and kind of had my heart set on it, but don't really want to double my insurance, any help appreciated

[SBN]

Sorry but being bmw and being rear wheel drive they are expensive on insurance. Plus with the snow (dustings) from recent years down south has meant a lot of rear wheel drives were smashed, abadoned etc causing premiums to rise.

Not great I know. If its any comfort I went from a £15k touring to a £8k coupe and the coupe was more expensive too insure even though it was older and less value - go figure that out because I can't lol. Still I love bmw's and anything else doesn't fit my criteria for being comfy, looks and speed.

[tali1]

If you live in high risk postcode -then 99% insurers won't want to know .However , if it low/medium risk postcode -then you should be able to get lower

[a4cabrio]

Thanks SBN, kind of makes sense what your saying, but car insurance is something not worth trying to understand, will end up more confused lol.

On my insurance search, I have just phoned my current insurers and they will increase the price of my current policy by £220, making it £748 for the BMW, think I can live with that as the cheaper car tax will pay a chunk of it

[a4cabrio]

I don't think my postcode is that bad to be honest, not too sure though, live in a small town that's pretty quiet.

[littleredrooster]

My 330d has just cost £268 fully comp with Direct Line. Cheaper than any of the comparison sites.

[smashy]

a4cabrio said:

I don't think my postcode is that bad to be honest, not too sure though, live in a small town that's pretty quiet.

Put your postcode in here and you will find out.

http://www.visitcars.co.uk/car-insurance/insurance...

[a4cabrio]

£268, I would love to be paying that, it's also direct line that's given me the £976 quote.

Thanks for the postcode check link, my post code has come back as low risk

[Vee]

Is £450 extra insurance significant in the scheme of things? On that car it is pair of rear tyres. Was the Golf quote recent ? Costs are about 30% more year on year anyway in my experience.
For ref, I'm in a high risk postcode in nw London paying £1,050 on a 335d m sport

[Leins]

As a comparison in 2009, I was paying £790 for an E92 335d M-Sport with Direct Line. 32 years old, 9 years no claims, no points, lowish risk area

[a4cabrio]

It's not really that significant vee, i was just surprised at how much more than my Gti it was, I only renewed my Gti policy a month ago, so it's fairly recent. I had a 2.5L Tdi a4 cabriolet last year and that was really cheap to insure so just had it in my head the prices wouldn't be as high as I've been quoted.

As for £450 being a set of tyres for a 330d, that's gotta be run flats, right??? I have been advised to ditch the run flats as they don't help the handling apparently, so a pair of tyres would be a little more than half the £450

[a4cabrio]

Well The prices seem to add up after reading your post leins, I am a little older but have 7 yrs protected NCB but have 1 fault accident and 3 points, so the quotes I am getting may not seem that bad after all, cheers

[Leins]

Re the fun flats, they're terrible. If I'd kept the car longer I would have swapped them all for non-RFTs at some point as the ride was awful, and had to replace individual ones every now and then after pot-holes caused the the sidewalls to develop golf-ball sized bubbles in them

[tali1]

a4cabrio said:

£268, I would love to be paying that, it's also direct line that's given me the £976 quote.

Thanks for the postcode check link, my post code has come back as low risk

With low postcode confirmed it should be far closer to £268 -so there should be plenty of scope to get it way down from £976

[kiethton]

i cant see how its so expensive, try admiral?

I paid £820 for my E92 335i M-sport at 21 in SE London so would have thought yours would be much cheaper!

[cam3048]

I think I paid 120 deposit and then 55. per month for 10 months with LV 9cheapest on all comparison sites) on the 330d but like other posts say a lot is to do with the pot code lottery and the number of skanks robbing within a certain mile radius of your house
Also if using comparison sites I found compare the market the cheapest. however, you can use them to get a god quote then go to topcashback.co.uk and you can get cash back for buying insurance through them.

edit:- mines an SE not M-sport

Edited by cam3048 on Thursday 15th March 13:18

[Vee]

a4cabrio said:

As for 450 being a set of tyres for a 330d, that's gotta be run flats, right??? I have been advised to ditch the run flats as they don't help the handling apparently, so a pair of tyres would be a little more than half the 450

My car was previously owned by a PHer who used Falken non runflats and which I hated. Personally I've used Conti SC2 then 3 for as long as I can remember as a compromise to Michelin PSs which would be my first choice.
The Contis run at just over 200 each for the rears iirc. Yes, you can get a pair of 255/35/18 for around 300 but in my experience they're not that good.

[a4cabrio]

Well, I have just tried admiral and they quoted me 1495, madness. Insurance quotes seem very random to me

[tali1]

Try Aviva with Quidco cashback, or Beat That Quote

[eastsider]

elephant (who are basically the same as admiral underneath).

Its almost random - you need to find the one that happens to be the best for your age/car/postcode/claims history combo. I've been with elephant for about 5 years, in central london parking on street, PH type of car, no one can come near them. Try as many as you can be bothered. Comparison sites rarely help unless you are 45 and drive a boggo focus.