j

 

Ouch think thats going to be steep, Dont you have any NCB?

Im 21 and Pay Ł1100 tpft on an e36 m3 vert through the AA, with 2yrs NCB and 6 Points..

Convertibles are quite a bit more to insure....

Try Proformace direct and HIC..

 

h

 

Often insurers pick up on the second driver being the real driver (they're wise to all the 'tricks' people try) so it may not make it any cheaper. Try Adrian Flux but no where's going be cheap on that car at your age mate, especially with no ncb!

 

You reckon i can get insured for 3k though????

 

Agreed also known as "fronting"

 

I'd be surprised if you could to be honest! There's only one way to find out - get on the phone!!

 

Shame as buying the car is not a problem but to be honest i couldnt justify more than 3k on insurance purely i think its wrong

 

Might be worth ringing a couple first before giving up on the idea though... Just to see what it would be!

 

Best quote so far is Ł,4,782 for the convertible

Its cheaper to insure a range rover at Ł3,900

Anymore ideas

 

There is a reason it is so high mate.

19 years old driving a 57 plate m sport 325. That would be my guess

 

why the hell buy such a new expensive car if you cant insure it properly?

 

I interpret his posts as he's about to buy the car, but is checking he can insure it first.

 

I can buy the car no problem, i know insurance is important however i really cant jusify paying 4k and above on insurance, yeh 19 and a 57 plate bmw is high risk however nearly 5k insurance is a piss take.

If i wanted to i can i paid 3k for a 318 and 17 when i passed

 

If you want something that much you will pay over the odds lol..
(5k insurance at 18 on my cossie )

Good luck getting cheaper than Ł3k though mate.
Try a specialist not general places

 

Why do you want a 325i m sport convertible?

what insurance group is the car and how much is it worth?

 

I like BMW's and thats why i want the way people want cossies, i no what you mean about if i ant it bad enough i do buy at 5k just want it cheaper, when you say specialists you mean ....

 

People who specialise

 

Don't we all LOL

 

Thats what i thought when i saw the topic title

Seriously though, why not buy a smaller engined older car that you can insure and then build up your own NCB, THEN buy the big beemers? if your going to be stuck on your parents insurance you wont build up any at all and when it comes to having your own policy in years to come it will still be high because your starting with nothing.

 

Because that wouldn't make him the coolest kid at the drive thru

 

Fair point i guess

On a serious note, i just really want a higher engined car, i have a 04 318 convertible right now. Obviously everyone wants cheaper insurance but come on 5k is rediculous, once im slightly older earning more il pay the higher insurance for knwo i want it slightly cheaper.

So anyone got any recommendations who to try ???

 

I dont think you will get reputable insurance cover at Ł3000, I am 28, full NCB of 10year+ fully clean licence and I got quote Ł660 for a 57 2007 325m sport cabrio. I personally dont think Ł4000 for an inexperienced driver, is to much for insurance on a Ł25,000+ car to be honest.

 

19 year old in a 57 plate 325 M sport Cab is ridiculous.


Your age is the killer, your only real options are to get a lesser model motor or get bummed financially by the insurance.

 

Why is it rediculous i can afford the car so i want it fella, i know my age is a killer and people will think its too fast etc etc

It's like when im goine to buy the car just becuase i can afford it at Ł3?000 doesnt mean im not going to haggle for it so its the same when it comes to insurance mate

One of my mates who's going to be 21 soon has just got a range rover sport tdv8 for 3k a year but hes older

Im not trying to be a knob or brag about money just asking for insurance advise please dont come along telling me its ridiculous to buy a car i want

 

Try Elephant, Admiral.

 

Why not buy a Ł25000 version and use your spare Ł5000 towards your next 2 years insurance. What about a 320 msport?

 

h

 

If you can afford to spunk 30k+ on a motor and justify it, I fail to see why you can not justify spending 3k on getting insurance.

just seems a little bizzar to me

 

Never mind thanks for the helpfull replies guys will try them insurers, and to the rest i trie explaining why i dont wana pay 5k insurance just seems you dont get it