22 year old petrol is higher to insure than an 12 year diese

[StuA9]

Why is that....I was going to go back to petrol as I don't do enough mileage to justify a diesel with dpf etc. And thought about an old e46 320i 2.2 but after getting some quotes the price was always higher that's bloody crazy.
When I put a quote in for the hell of it with who I'm with a price for a change it put an extra £140 on what I pay just now. What the hell is going on.

[Earthdweller]

Your post doesn't make any sense

Your complaint is that a different type of car from the one you currently have (not stated) costs more to insure than your current car ?

[alscar]

Boring answer but it’s the car itself that actuarial tables dictate the pricing of assuming too that all other details for you are identical.

[Fastdruid]

What are you comparing it to?

I'd have thought the 320i of that age falls into to insurance group of cheap old rwd car now typically driven by idiots who crash them a lot.

Also from a risk (and so insurance price) perspective I'd have thought any "new" car to you is a higher risk so even if they're nominally the same insurance "group" you might see an initial increase in premium.

[blue_haddock]

My 28 year old 1.3 toyota starlet that i use as a runaround costs more to insure than my 2015 skoda superb estate.

[Baldchap]

Cost to repair. Statistical likelihood of accident.

[7 5 7]

What you comparing it with, a diesel 3 series?

[Geertsen]

Earthdweller said:

Your post doesn't make any sense

Your complaint is that a different type of car from the one you currently have (not stated) costs more to insure than your current car ?

I’m sure a 22 year old petrol Lamborghini is more costly to insure than a 12 year old diesel van too.

[StuA9]

Sorry forgot to say, comparing it my 12 reg c220 cdi amg/ sport estate.

[J4CKO]

Fiesta ST twice as much to insure as a Jaguar XJ,

Actually, that makes sense...

[StuA9]

That is an st though a chav car, this is an old nail of a 320i estate higher than 12 year new c220... bloody crazy.

[J4CKO]

StuA9 said:

That is an st though a chav car, this is an old nail of a 320i estate higher than 12 year new c220... bloody crazy.

Think its more due to being heavily modified to be fair.

[MDT]

£140 extra.

OK I get that no one likes to pay more for anything. But, £140 a year is 38p a day extra.

[macron]

Lower value car, far higher chance of it being a total loss with fk all damage. Fewer of them, and when they do get hit they get written off. Priced in.

Plus if you're changing mid-year they'll be bending you over backwards anyway, because they can!

[DanielSan]

E46's are the cheap rear drive car driven by people who think tbey can drift, as a result they get crashed a lot..

[Fastdruid]

DanielSan said:

E46's are the cheap rear drive car driven by people who think tbey can drift, as a result they get crashed a lot..

Old man car vs wannabe drifters car...

I'm surprised its only £140 more tbh!

[StuA9]

DanielSan said:

E46's are the cheap rear drive car driven by people who think tbey can drift, as a result they get crashed a lot..

Not me

[snotrag]

StuA9 said:

Not me

Statistically speaking, yes, you.

Thats exactly how insurance works.

[StuA9]

Can do that nonsense in any rwd so don't know why they target these.

Also the tax is more than double honest to christ. I thought i will get a old petrol automatic it will be cheaper to insure and tax and no dpf egr etc to bother about.... how wrong i was.

[Jamescrs]

StuA9 said:

Can do that nonsense in any rwd so don't know why they target these.

Also the tax is more than double honest to christ. I thought i will get a old petrol automatic it will be cheaper to insure and tax and no dpf egr etc to bother about.... how wrong i was.

Because while they can "do that nonsense" in any RWD car they don't, they choose older BMW's not really older Merc's which don't have the same street cred with the people who buy those cars