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I'm sorry. Another BMW...but I have a question too!

Discussion in 'Motors' started by Toekiller, Aug 8, 2009.

  1. Toekiller

    Mobster

    Joined: Oct 19, 2002

    Posts: 2,561

    Location: Jersey

    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.
     
  2. [TW]Fox

    Man of Honour

    Joined: Oct 17, 2002

    Posts: 150,953

    Why did you buy a 2 litre Z4? Seriously, what was the point in that :confused:

    Anyway that aside, what you want is gap insurance. http://www.click4gap.co.uk
     
  3. HummuH1

    Wise Guy

    Joined: Mar 28, 2007

    Posts: 2,192

    Location: Edinburgh

    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 :rolleyes:

    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.
     
  4. Sukh

    Mobster

    Joined: Jan 29, 2007

    Posts: 3,583

    Location: Chelsea

    At least its economical and not the 2.5 :)
     
  5. fonzee

    Soldato

    Joined: Jun 23, 2005

    Posts: 5,249

    Location: Cornwall

    funnily enough, not everyone is a petrol head and requires the 3 litre...
     
  6. Joe T

    Capodecina

    Joined: Apr 1, 2003

    Posts: 10,480

    Location: Northampton

    2.0 Z4 is really quite economical as a daily driver...
     
  7. West

    Sgarrista

    Joined: Dec 22, 2004

    Posts: 9,076

    Location: Rugeley, Staffs

    Isn't that similar to Shortfall insurance? I have this on the Mini..
     
  8. Dandle

    Mobster

    Joined: Nov 4, 2003

    Posts: 4,024

    Location: Ashford

    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.
     
  9. Mr_Sukebe

    Man of Honour

    Joined: Dec 23, 2002

    Posts: 8,153

    Location: London

    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.
     
  10. iaind

    Capodecina

    Joined: Feb 26, 2009

    Posts: 14,738

    Location: Exeter

    I cant see this sort of thing being worthwhile (the insurance, not the car :p)

    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
     
  11. Toekiller

    Mobster

    Joined: Oct 19, 2002

    Posts: 2,561

    Location: Jersey

    Cheers for the input guys.

    Took a quick one on the test drive.

    [​IMG]
     
  12. iaind

    Capodecina

    Joined: Feb 26, 2009

    Posts: 14,738

    Location: Exeter

    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
     
  13. [TW]Fox

    Man of Honour

    Joined: Oct 17, 2002

    Posts: 150,953

    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.
     
  14. Sin_Chase

    Capodecina

    Joined: Jan 13, 2004

    Posts: 19,635

    Looks nice, did not read your location then saw the pic and instantly identified it as Southern Side of 5 Mile :D

    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?
     
  15. Rwac

    Wise Guy

    Joined: Oct 12, 2005

    Posts: 1,511

    Location: Surrey

    ...but you still acted like an arse :D

    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.
     
  16. Toekiller

    Mobster

    Joined: Oct 19, 2002

    Posts: 2,561

    Location: Jersey

    Bought new from Jackons but ended up at the Motor Mall. I only went there for petrol ;)
     
    Last edited: Aug 9, 2009
  17. DrDee

    PermaBanned

    Joined: Oct 7, 2008

    Posts: 1,053

    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.
     
  18. [TW]Fox

    Man of Honour

    Joined: Oct 17, 2002

    Posts: 150,953

    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.
     
  19. Sin_Chase

    Capodecina

    Joined: Jan 13, 2004

    Posts: 19,635

    Motormall are Jacksons :)
     
  20. [TW]Fox

    Man of Honour

    Joined: Oct 17, 2002

    Posts: 150,953

    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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