Car insurance really does mess with your head sometimes...

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Soldato
Joined
18 Oct 2002
Posts
4,145
Location
Southampton
Ok so I'm off to view a 335i at the weekend, so thought it might be prudent to do a quick insurance price comparison. I'm 34 living in an SO45 postcode with 14 years NCB:

2004 E46 231bhp 330Ci worth around £4-5k: £375 with £100 voluntary excess
2008 E92 301bhp 335i worth around £15k: £298 with £0 voluntary excess with the same insurer.

How does that work lol?! What really shocks me is how cheap it is to insure a 335i!
 
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I wonder if its to do with the risk profile, many 330i's are now owned by people who, lets say, are statistically more of a risk to insurers :p
 
Same here, my modified Cooper S was more to insure than my much more powerful, newer, more expensive Z4M. Must be the statistics swinging the costs rather than the actual personal risk to a certain extent.
 
My Mazda 6 Sport (2.3L petrol) was significantly cheaper to insure than the equivalent age/price bracket Mazda 6/Mondeo/Vectra 1.8L (although more expensive than a 3.0 turbo Supra or 5.3L V12 XJS)... makes perfect sense XD
 
insurance in this country can be truly baffling at times,

but as said its all down to statistics
 
[TW]Fox;25136186 said:
I wonder if its to do with the risk profile, many 330i's are now owned by people who, lets say, are statistically more of a risk to insurers :p
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I imagine this is the reason. I guess my personal (low) risk profile is already taken into account, which is why both prices are sub-£400. It's the fact that the 330Ci is cheap enough to be owned by plenty of scrotes who drive like tools which pushes the E46 premiums upwards.
 
Sounds about right, for me its:

E46 330Ci ~£1100 per year
Jeep Grand Cherokee 5.7L HEMI ~£800 per year.


And there are considerably more E46s in the local maccy D's car park than there are Grand Cherokees, so guess that proves them right lol.
 
Tom|Nbk said:
Good lord.
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Good lord good or good lord bad? I am only 19....


Spartacus said:
I did a quote on a new F30 335i and it was £282 with protected no claims etc, .. wanna know how much an E90 320d is? .. £320... Work that one out.
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Have seen a fair few bruvs acting hard in their M badged E90 320D's, think that will have a lot to do with it.
 
Bad? Try staying where I stay.

Having wiped out my ncb and being 25 I get nothing lower than £640ish on most quotes from puntos, clios, xsara, saxo, astras and I was going to be £900ish next year on a 330 with 2 years ncb.

I don't see how ticking I haven't bought this car yet can make a quotes £160 higher either.
 
Hmm, obviously the insurers don't like things round my way much.
33 years old, 13 years NCB paying nearly £500 for a 335i
 
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