Help needed with INSURANCE,!!

[Axelf]

Well in the past I have had a few M cars and found the insurance to be ok.. But now I ring them to find they will not insure the car without it having a tracker fitted....... I am 43 have full no claims , no points or accidents and live in a good area ..... Who are you insured through and did they insist on a tracker needing fitted? Any help will be appreciated.
Thanks

[northerngooner]

I'm with Admiral, there was a very minimal cost benefit of having a tracker, nowhere near its cost and they were perfectly happy to insure me without.

[f82fanatic]

I'm insured with Geico, no tracking here either

[Axelf]

Originally Posted by northerngooner

I'm with Admiral, there was a very minimal cost benefit of having a tracker, nowhere near its cost and they were perfectly happy to insure me without.

Great I will try them... Esure insist on it being fitted

[Simon H]

Axel,
I commented on babybmw, ive gone with Churchill, for a good price, and no tracker needed. This was last January, so unless there has been a policy change, i would give them a call.

[sos]

No tracker with Directline either.....

[singh21]

No tracker and with Aviva at a amazing price. Got quotes from confused and Admiral and Aviva was less than half of the next cheapest

[Axelf]

Thanks for all the help I will have another ring around in the morn

[JustChris]

£320 with admiral when I had mine. No tracker needed, price and not insisting on tracker sold me on them.

[dunny247]

Same age no claims maximum. Good area. 1st central 550.

[WulsgM4]

Insurance is with Esure
Did not ask if tracker was fitted

But I arranged a back to invoice + gap Insurance policy when I purchased my car after advise on this forum

This is a must

[CardinalZeus77]

I'm with Admiral. No tracker either.

[Jimbooo]

I just changed from esure to admiral for this reason, no tracker needed and also £1480 per year cheaper for the quote.

Their quote was absurd I'm 35 with 9 years ncb and they wanted just over £2k per year with 950 excess admiral far cheaper and all mperformance add ons (exhaust, all aero trim etc) only added about £40 to the quote.

[Axelf]

Well struck up a deal with the garage so a tracker is being fitted... Worked out cheaper to do that then change to a different company... Thanks for all the help... Pick it up in the morning

[AdamW]

1st Central here. no tracker.

[baz171]

It really comes down to a lottery type affair with insurance these days.

I had an amazing deal from Esure recently on renewal. Was cheaper by roughly £500 from last years and also renewal price from last company.

To make deal even better I insured a second car with them and received a 10% or so discount on both. And I even get the same 6 years NCB if I don't have a claim on second car.
And carrying on my excess on M3 was reduced from £700 to £500 (maybe £400)

So I saved about £1100-1200 from last years premiums.

[ClawHammer]

I just got a quote from Admiral. They want £1,700!!! I'm not young, have 15 years no claims, and one SP30 from 2012. Are those of you paying around £500 taking these "black box" policies?

I'll try some other companies but I'm not paying that much. This might stop me getting an M

[Simon H]

Originally Posted by ClawHammer

I just got a quote from Admiral. They want £1,700!!! I'm not young, have 15 years no claims, and one SP30 from 2012. Are those of you paying around £500 taking these "black box" policies?

I'll try some other companies but I'm not paying that much. This might stop me getting an M

Hi Mate,
Im 49 1 SP30 from Dec 13, and i paid under £500 with Churchill last January, also no tracker needed. Mine is obviously up in a few weeks now, so im hoping they play ball again, otherwise i will be shopping around. Give them a try, i think £1700 is way OTT, good luck, regards, SIMON.

PS no black box needed.

[ClawHammer]

Hi Simon,

Thanks for that. I just put my details in confused.com and they're coming out between £650 and £700 for the insurance but with an excess of £800-£1,000. This is combination of voluntary and compulsory. How does this compare to yours if you don't mind me asking?
Thanks,

CH.

[Simon H]

Originally Posted by ClawHammer

Hi Simon,

Thanks for that. I just put my details in confused.com and they're coming out between £650 and £700 for the insurance but with an excess of £800-£1,000. This is combination of voluntary and compulsory. How does this compare to yours if you don't mind me asking?
Thanks,

CH.

Hi CH,
Just checked my policy, and im showing £550 excess, and £100 voluntary excess, so £650 altogether. I bet they wont offer me that again this year though, im hoping they do, but once they have you after the first year, i dont think they try as hard. Im hoping i can stay with them though, if they dont put up the premium too much, regards, SIMON.

[SMV_M4]

I'm 27 and have no accidents or citations. Progressive was perfectly fine without having me fit a tracker and the rates are about as expected for a male my age.

[Colinv6]

30 and 4 years no claims, 3 points and mine shot up from £455 to £615 this year

Cheapest quote on go compare was £762!

More of these must be getting stolen/written off I think.