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Old 8th Aug 2009, 22:08   #1
Toekiller
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I'm sorry. Another BMW...but I have a question too!

I planned to go get some new golf clubs.... instead ended up with a Z4 2006 2.0 SE 20k on the clock....

Anyway my question is on insurance. I was offered a 'protect' the value of the car insurance scheme. IE what I paid now I'd get upto 3 years down the line if I stuff it.

Thoughts on that?

Also what are peoples experiences / thoughts on extended warranties?

P.s Pics to follow and I paid 6k part ex using my Honda Civic 1.6. Pick it up Friday.


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Old 8th Aug 2009, 22:10   #2
[TW]Fox
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Why did you buy a 2 litre Z4? Seriously, what was the point in that

Anyway that aside, what you want is gap insurance. http://www.click4gap.co.uk

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Old 9th Aug 2009, 09:17   #3
HummuH1
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Quote:
Originally Posted by [TW]Fox View Post
Why did you buy a 2 litre Z4? Seriously, what was the point in that

Anyway that aside, what you want is gap insurance. http://www.click4gap.co.uk
Maybe he liked the car and got what he thought was a good deal? As funny as it may seem, some people actually buy things based on what what they like and what they want, not what some over analytical muppet on the interwebz thinks

To the OP, I'm afraid you've now got two reply's ignoring the questions you asked. Sorry, can't help on the GAP insurance as never looked into it.

On the warranty, depends on price and your peace of mind requirements. If you want one, at this stage in the cars life I'd suggest maybe looking at a 3rd party warranty. Most are cheaper than BMW and some cover more parts. You really have to understand the small print though. Keep the car well serviced though and you should be able to buy a BMW warranty at a later date if you want it. Some dealers are arsy about it, others arn't.

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Old 9th Aug 2009, 09:22   #4
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At least its economical and not the 2.5

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Old 9th Aug 2009, 09:27   #5
fonzee
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Why did you buy a 2 litre Z4? Seriously, what was the point in that
funnily enough, not everyone is a petrol head and requires the 3 litre...

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Old 9th Aug 2009, 09:43   #6
Joe T
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2.0 Z4 is really quite economical as a daily driver...

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Old 9th Aug 2009, 09:46   #7
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Isn't that similar to Shortfall insurance? I have this on the Mini..


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Old 9th Aug 2009, 09:49   #8
Dandle
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For gap insurance try https://www.directgap.co.uk. They are backed by Hitachi capital same as nearly other gap policy but always seem to work out cheaper.
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Old 9th Aug 2009, 09:59   #9
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Got any pics, sounds good. In these days of gatso's an ultra-PC, buying something that's slower and cheaper seems like a pretty good idea to me, particularly so when you still get the great build quality and all of the other nice bits.
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Old 9th Aug 2009, 10:06   #10
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I cant see this sort of thing being worthwhile (the insurance, not the car )

If your car gets written off, you'll get a payout of what it should be worth and you can appeal it if you dont think you can buy an equivalent replacement with it.

I personally wouldnt bother, unless its really cheap
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Old 9th Aug 2009, 10:34   #11
Toekiller
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Cheers for the input guys.

Took a quick one on the test drive.



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Old 9th Aug 2009, 10:38   #12
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Looks nice - the 2.0 isnt exactly slow according to the numbers (60 in 7.9) - I can see the appeal of it. A reasonably turn of speed, good handling, BMW quality and cheaper running costs
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Old 9th Aug 2009, 11:53   #13
[TW]Fox
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Quote:
Originally Posted by HummuH1 View Post
Maybe he liked the car and got what he thought was a good deal? As funny as it may seem, some people actually buy things based on what what they like and what they want, not what some over analytical muppet on the interwebz thinks To the OP, I'm afraid you've now got two reply's ignoring the questions you asked.
Except i did answer his question by directing him to a source for exactly the insurance he wantts at a very good price rather than just provide misleading warranty info like yourself.

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Old 9th Aug 2009, 11:58   #14
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Looks nice, did not read your location then saw the pic and instantly identified it as Southern Side of 5 Mile

Is it from Jacksons? I know they peddle some insurance that pays back the value of the car you bought it at, is this what you are talking about?

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Old 9th Aug 2009, 13:47   #15
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Except i did answer his question by directing him to a source for exactly the insurance he wantts at a very good price rather than just provide misleading warranty info like yourself.
...but you still acted like an arse

With regards to GAP Insurance, with each car purchase I have always considered it but chosen against it. No real knowledge behind that decision purely that I didnt want to pay it - it would be interesting to see what the insurance peeps on the forum think about it - is it just an attempt to squeeze more money out of the consumer.

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Old 9th Aug 2009, 15:29   #16
Toekiller
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Originally Posted by Sin_Chase View Post
Looks nice, did not read your location then saw the pic and instantly identified it as Southern Side of 5 Mile

Is it from Jacksons? I know they peddle some insurance that pays back the value of the car you bought it at, is this what you are talking about?
Bought new from Jackons but ended up at the Motor Mall. I only went there for petrol


Last edited by Toekiller; 9th Aug 2009 at 22:07.
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Old 9th Aug 2009, 15:33   #17
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2.0 Z4 is really quite economical as a daily driver...
If money is an issue is a premium brand sports car really the car to be buying? It's kind of like spending 15k on a new car because it has cheap road tax.
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Old 9th Aug 2009, 17:11   #18
[TW]Fox
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Quote:
Originally Posted by HummuH1 View Post
Keep the car well serviced though and you should be able to buy a BMW warranty at a later date if you want it. Some dealers are arsy about it, others arn't.
I'll expand on earlier. Once a BMW warranty lapses, it is impossible to renew it. There are no if's and buts and it's not down to the individual dealer - once an AUC, New Car Warranty or Insured Warranty product expires if you've not renewed it for continuous cover, the car cannot be covered by BMW again.

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Old 9th Aug 2009, 17:58   #19
Sin_Chase
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Quote:
Originally Posted by Toekiller View Post
Bought new from Jackons but ended up at the Motor Mall. I only went their for petrol
Motormall are Jacksons

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Old 9th Aug 2009, 18:03   #20
[TW]Fox
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Oh you live in Jersey? I guess that would mean anything more than a 2.0 would be a bit frustrating anyway, so now I understand why you chose it. Great looking car, by the way

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Old 9th Aug 2009, 18:15   #21
Darkman
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I planned to go get some new golf clubs.... instead ended up with a Z4 2006 2.0 SE 20k on the clock....
Bit of a schoolboy error that, I'm not even sure you could fit a set of clubs and bag in the boot of a Z4

Looks in good nick though.

P


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Old 9th Aug 2009, 18:53   #22
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Clubs fit in the S2000 and I am pretty sure the Z4 has the same/more space in the boot!

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Old 9th Aug 2009, 18:59   #23
jamief
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Don't EVER take GAP insurance from a dealer.

Audi quoted me 650 for 3 years cover.

http://www.ala.co.uk/ quoted me 125 for the same term.
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Old 9th Aug 2009, 22:12   #24
Toekiller
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Ha! they quoted me 420 for 3 years. Your link quoted me 120.

Motormall is Jacksons? Damn I feel dirty now


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Old 9th Aug 2009, 22:25   #25
Ricochet J
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Oh you live in Jersey? I guess that would mean anything more than a 2.0 would be a bit frustrating anyway, so now I understand why you chose it. Great looking car, by the way
Why is owning anything more than 2L in Jersey frustrating? (Couldn't find anything on Google)

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Old 9th Aug 2009, 22:27   #26
[TW]Fox
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Why is owning anything more than 2L in Jersey frustrating? (Couldn't find anything on Google)
40mph blanket speed limit IIRC

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Old 9th Aug 2009, 23:26   #27
Sin_Chase
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40mph speed limit on designated roads, otherwise its 30, 20 or 15.

Plenty of windy roads where you can use a bit of power within the speed limits for fun though. Then there are "those roads".

We do leave the island though

Quote:
Originally Posted by Toekiller View Post
Motormall is Jacksons? Damn I feel dirty now
Jacksons has the BMW side of things along with Merc, Aston, Bentley, VW, Audi etc. All BMW parts/servicing are up there. Motormall houses Mitsi, Jag, Citroen, Peugeot, Land Rover etc but for all intent and purposes is the same company.

Approach both with the same air of caution

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Old 10th Aug 2009, 03:45   #28
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40mph speed limit on designated roads, otherwise its 30, 20 or 15.
Do many people stick to the limits?
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Old 10th Aug 2009, 03:51   #29
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Do many people stick to the limits?
Depends really. Some people stick to them religiously, some go under them (religiously) and some people just do what they feel is safe condition permitting.

Some sections of 40 roads are not safe to do at 40, and conversely some 15s are fine at 40. It's a bit of a joke over here tbh.

I'm due a Parish Hall Enquiry for an alleged 50 in a 40 at 10pm on a totally isolated 40 road yet most people will get away with 40 in 15s and 20s.

There is no real uniformity to the speed limits.

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Old 10th Aug 2009, 07:03   #30
Toekiller
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Depends really. Some people stick to them religiously, some go under them (religiously) and some people just do what they feel is safe condition permitting.

Some sections of 40 roads are not safe to do at 40, and conversely some 15s are fine at 40. It's a bit of a joke over here tbh.

I'm due a Parish Hall Enquiry for an alleged 50 in a 40 at 10pm on a totally isolated 40 road yet most people will get away with 40 in 15s and 20s.

There is no real uniformity to the speed limits.
Of course we stick to the speed limit

Good luck in your enquiry. Seems kinda harsh even if you were doing 50. What was the road?


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