Motoring Discussion > Guess the insurance quote Game Tax / Insurance / Warranties
Thread Author: Zero Replies: 89

 Guess the insurance quote Game - Zero
The G31 ("7th generation BMW 5 series Touring 2017 model" for Bobby) was offloaded from MV Baltic Breeze at Southampton Docks berth 40 on Sunday. Its being registered today, so arrival with me is imminent.

Now insurance quote, compare the market.

Guess the minimum and the maximum. I warn you, its a wide spread.

 Guess the insurance quote Game - Pat
Minimum: £396

Maximum: £2942

(based on the V90 last week!)

Pat
 Guess the insurance quote Game - tyrednemotional
Minimum: £2,134

Maximum: £6,487

(based on the bus!)


;-)
 Guess the insurance quote Game - Zero
for insurance purposes, the bus incident and the subsequent conviction is a spent event. Try again
 Guess the insurance quote Game - tyrednemotional
...being serious, I would suspect the lowest could be around the £200-220 mark; the highest isn't worth aiming for, as it's likely to be an entirely spurious quote from someone who doesn't want the business.
 Guess the insurance quote Game - Hard Cheese
Depends on add-ons such as legal cover etc etc though lets say £250 to £2250.
 Guess the insurance quote Game - henry k
£515 - £11111
 Guess the insurance quote Game - Mapmaker
I've missed something. You've a brand spanking new BMW on the way?!
 Guess the insurance quote Game - Zero
I do, a BMW 540i x-drive SE Touring
 Guess the insurance quote Game - Falkirk Bairn
My son's newish M3 is £400 +/- & he is 40.
So £350 to £4500 (£4500 is company that do not insure cars over 2 litre)
 Guess the insurance quote Game - No FM2R
>>a BMW 540i x-drive SE Touring

Aren't they called G31s amongst the cognoscenti? You ought to get down with the lingo.
Last edited by: No FM2R on Tue 7 Nov 17 at 12:33
 Guess the insurance quote Game - tyrednemotional
....does the "G" stand for Green?
 Guess the insurance quote Game - No FM2R
Yes, a well known expert in dodgy colours stated that it was "Old man's slacks green".
 Guess the insurance quote Game - VxFan
>> ....does the "G" stand for Green?

Gullible more like ;)
 Guess the insurance quote Game - Runfer D'Hills
I bet it's not too bad because you're quite old aren't you? £240-£680.
 Guess the insurance quote Game - Zero
Ok, the spread from the meerkat is £339 to £3999.

The lowest is LVE with whom i am with anyway.

Phoned up LVE to discuss a change over, and for 12 months they want


£274


The volvo renewal is £253

The extra 160 horsepower is merely 19 quid extra. Well impressed!
 Guess the insurance quote Game - Hard Cheese
Remember, don't pay for breakdown via your insurance as that is included in the BMW warranty.

I pay £280 on the M135 for my wife and myself, including business use for both of us plus legal cover, windscreen, courtesy car etc.
 Guess the insurance quote Game - DP
>> Remember, don't pay for breakdown via your insurance as that is included in the BMW
>> warranty.
>>
>> I pay £280 on the M135 for my wife and myself, including business use for
>> both of us plus legal cover, windscreen, courtesy car etc.


I pay £410 for the M140i for similar cover, although I opted out of legal cover as I have it through my employer as part of my package. I have a non-fault accident on my record from last year though.

The biggest issue I found when trying to insure the car was a compulsory £500 "vehicle type excess" that all insurers apply to the M140i over and above any voluntary excess. Is it the same with the M135i?

 Guess the insurance quote Game - Hard Cheese
I reckon I am a little older than you, no accidents in 15 years (touch wood) and a clean licence (touch wood), plus the area can make a difference.

My Aviva policy has a £250 "vehicle type" excess though if you choose to have no voluntary excess the total is only £250.

Is yours £500 "vehicle type" and £0 voluntary or £250 "vehicle type" and £250 voluntary? The latter would be the default AFAIK?

 Guess the insurance quote Game - DP
>> I reckon I am a little older than you, no accidents in 15 years (touch
>> wood) and a clean licence (touch wood), plus the area can make a difference.
>>
>> My Aviva policy has a £250 "vehicle type" excess though if you choose to have
>> no voluntary excess the total is only £250.
>>
>> Is yours £500 "vehicle type" and £0 voluntary or £250 "vehicle type" and £250 voluntary?
>> The latter would be the default AFAIK?

That's interesting as I am also with Aviva.

The £500 "Vehicle Type" excess was compulsory, and completely independent of (and in addition to) any other excess. Every insurer who quoted stuck this on. I transferred last year's cover with Privilege on to this car when I got it, and they set it at £750!

I live in a low risk postcode, and have a clean license (touch wood also). The non fault accident adds about £30 based on my comparison site experiments. 15,000 miles a year with business cover. I'm 42.
Last edited by: DP on Wed 15 Nov 17 at 11:52
 Guess the insurance quote Game - R.P.
Desirable cars for the discerning criminal sadly.
 Guess the insurance quote Game - DP
>> Desirable cars for the discerning criminal sadly.

It has occurred to me, although I'd be a lot more worried if I had an Audi S or RS model.
 Guess the insurance quote Game - R.P.
Wrong isn't it.
 Guess the insurance quote Game - Hard Cheese
Just rechecked, my policy says "vehicle type excess £250".

Business cover for wife and I.

I'm 55 (nearly 56 ...).
 Guess the insurance quote Game - Zero
I had 500 quid voluntary excess on the long boat, it was carried over onto the BMW. every meerkat quote added 500 quid xcess onto the price in addition to any voluntary.
 Guess the insurance quote Game - R.P.
Scurries away to check his policy.
 Guess the insurance quote Game - R.P.
£250.00 vehicle type excess.
 Guess the insurance quote Game - VxFan
No voluntary excess on mine. IIRC, the compulsory excess is £150.
 Guess the insurance quote Game - PeterS

>> The biggest issue I found when trying to insure the car was a compulsory £500
>> "vehicle type excess" that all insurers apply to the M140i over and above any voluntary
>> excess. Is it the same with the M135i?
>>

Mines a convertible, so you’d think would attract a higher excess. But I’m insured with LV and the compulsory excess is only £200. That’s parked off road, but not garaged, for 15k miles a year and including business use. Additional voluntary excesses made so little difference to the premium that I didn’t bother. I had a glass claim last year (side window) but it didn’t seem to have any impact on this years premium. Let’s see what this years glass claim (windscreen) does!!
 Guess the insurance quote Game - Hard Cheese
What's your annual premium Peter?
 Guess the insurance quote Game - PeterS
>> What's your annual premium Peter?
>>

Ah yes, forgot that! It’s £397. That’s with one SP30 for me (!!) and a medically restricted licence for my partner (renewed every three years...). Though I imagine they’re not allowed to take that into account...? Last accident (non fault) was in 2011, and I’m guessing I’m slightly younger than you...? I’m one of the last pre-decimals!!

Edited to add...actually, maybe I’m not younger than you! Sorry :)
Last edited by: PeterS on Wed 15 Nov 17 at 20:47
 Guess the insurance quote Game - hawkeye
and the excess is ??
 Guess the insurance quote Game - Zero
>> and the excess is ??

500 squid
 Guess the insurance quote Game - tyrednemotional
>>they want £274
>>
>> The volvo renewal is £253
>>
>> The extra 160 horsepower is merely 19 quid extra. Well impressed!
>>

...what's the other £2 for - the "dangerous" colour ;-)
 Guess the insurance quote Game - R.P.
Much the same for me with L&V...the extra 80 bhp was £17.00
 Guess the insurance quote Game - Bromptonaut
>> Much the same for me with L&V...the extra 80 bhp was £17.00

At a more mundane level changing from 68PS 05 1.9D Mk2 Berlingo to 2013 Mk3 115XTR which was also a much bigger car involved no change in premium.
 Guess the insurance quote Game - Fenlander
As has been discussed many times over the years it's hard to second guess insurance prices between different cars. However Zero's prices for the new motor are about what I'd expect if it were my car.

We were pleasantly surprised that Mrs F's move from Cactus to CLK only amounted to under £10/yr extra. That's with LV who have been very good on premiums over the past few years, we get a little extra discount for Mrs F's employer too.

The only issue I have is their daft uplift to put my daughter on the 5-series insurance. They refused to quote when she was 18, wanted some daft sum like 3x the annual premium on top when she was 19 but I haven't got round to asking now she's 20.

Re claims they (LV) did seem to be a little too quick to push for a knock for knock when my learner daughter was run into on a roundabout while under Mrs F's supervision. The arrogant male driver put a lot of effort into trying to swamp "just" a girl and her mum in a small car (C3) with loose facts and twisted logic.... we got him to back down in the end but really only because of my efforts not those of LV.
 Guess the insurance quote Game - maltrap
I shop around every year.
The best (cheapest) quotes were from Direct Line.
 Guess the insurance quote Game - Zero
Picked it up yesterday.. The BMW 540i x-drive Touring in Atlas Cedar is now sitting on my drive.


And its being rained on already.
Last edited by: Zero on Tue 14 Nov 17 at 07:22
 Guess the insurance quote Game - PeterS
At least yesterday was a nice day... ;). Usually I’d say a damp autumn day, fallen leaves and 340bhp could lead to some entertaining action, but image the x-drive will temper that!

Enjoy the new car :)
 Guess the insurance quote Game - Duncan
>> Picked it up yesterday.. The BMW 540i x-drive Touring in Atlas Cedar is now sitting
>> on my drive.

What are you doing with the Ovlov?
 Guess the insurance quote Game - Zero
giving it back to my Nos, from whom i bought it.
 Guess the insurance quote Game - Duncan
Wos Nos?
 Guess the insurance quote Game - Zero
the clue is in ovlov
 Guess the insurance quote Game - Duncan
He goes around in one of those?

And he is your ---?
 Guess the insurance quote Game - Zero
>> He goes around in one of those?
>>
>> And he is your ---?

well he doesn't, he goes around in a shonky old lancer estate at the moment.
 Guess the insurance quote Game - Duncan
I wish you well with the new car.
 Guess the insurance quote Game - Zero
>> I wish you well with the new car.

Why thank you, and no I am not picking you up outside spoons.
 Guess the insurance quote Game - Duncan
>> >> I wish you well with the new car.
>>
>> Why thank you, and no I am not picking you up outside spoons.
>>

Aldi?
 Guess the insurance quote Game - Zero
>> >> >> I wish you well with the new car.
>> >>
>> >> Why thank you, and no I am not picking you up outside spoons.
>> >>
>>
>> Aldi?
>

Im not taking a posh car to Chertsey
 Guess the insurance quote Game - legacylad
Enjoy Zeddo. Now into our second week at Moraira, enjoying unseasonably warm weather which means roof down for the myriad of convertibles out here.
My extra insurance from £2200 Focus to Barbies dream car, until renewal next June, was £50 from memory. Excess stayed the same. I queried this amount 3 times. Being old & living in rural N Yorks helps.
>>
Last edited by: legacylad on Tue 14 Nov 17 at 08:44
 Guess the insurance quote Game - Hard Cheese
So you bought your Volvo from your son, I can understand a twenty something lad wanting rid, and thinking that it might suit his old dad, though why does he want it back?

And does the 5er meet expectations so far?
 Guess the insurance quote Game - R.P.
Nice colour - finally figured out the hard disk thing on mine
 Guess the insurance quote Game - Zero
still struggling with mine. Put a loaded USB drive in, don't know how to load it to the hard drive. Might even have to look in the manual. Or talk to the Tech Guy at Cooper BMW. I had to have lessons and pass a test in tech stuff before they let me have the car.
 Guess the insurance quote Game - R.P.
When a CD is playing the vertical menu on the screen has a double square icon (folder symbol I suspect) click on that and it downloads onto the Hard Disk. The HD has 12 gig according to what I;ve read elsewhere. Both versions of the Manuals are silent on it.
 Guess the insurance quote Game - Zero
>> When a CD is playing the vertical menu on the screen has a double square
>> icon (folder symbol I suspect) click on that and it downloads onto the Hard Disk.
>> The HD has 12 gig according to what I;ve read elsewhere. Both versions of the
>> Manuals are silent on it.

Yeah cracked it, bung in USB, select it from the audio menu, while its playing left push I drive wheel, scroll down, select "transfer music" and bingo.

Also hadn't realised to bring up menus about the tiles on screen, tap the red title bar.

Not sure about size of hard drive, just dumped 11.8 gb on it, fast too.

And yeah, got no manual for it, its available on my BMW tho if you set it up with your vin
Last edited by: Zero on Tue 14 Nov 17 at 20:51
 Guess the insurance quote Game - rtj70
I have around 32GB of varied music on an SD card in my car... so not tried to transfer to the infotainment system's flash drive (we know it's not a hard drive) because it wouldn't fit.

So far only tried to play one 720P movie out of curiosity on the infotainment system.... not tried a DVD in it and probably never will.
 Guess the insurance quote Game - R.P.
Superb interface. Slightly more intuitive on my 320d, but incredibly clever.
 Guess the insurance quote Game - Pat
>> got no manual for it, its available on my BMW tho if you set it up with your vin<<

Well worth doing Z if it's half as good as My Volvo.

We did it for the XC60 and then changed vehicles for the V90 and were amazed at the information available as well as updates etc.

Pat
 Guess the insurance quote Game - DP
>> And yeah, got no manual for it, its available on my BMW tho if you
>> set it up with your vin

It's also on the iDrive, complete with illustrations and everything. I find myself reading it when I'm sitting waiting for the kids to come out of whatever social engagement I am ferrying them from. Passes the time :-)

 Guess the insurance quote Game - R.P.
I know. Mine came with a paper version as well.
 Guess the insurance quote Game - Zero
>> Nice colour -

the colour reproduces really badly on web sites in the flesh its gorgeous, a kind of light brown, bronze, gold, depending on how the sun is shining.
 Guess the insurance quote Game - henry k
>> >> Nice colour -
>>
>> the colour reproduces really badly on web sites in the flesh its gorgeous, a kind
>> of light brown, bronze, gold, depending on how the sun is shining.
>>
Rose tinted varifocals?
 Guess the insurance quote Game - Hard Cheese
>> Rose tinted varifocals?

Green tinted varifocals? ;-)
Last edited by: VxFan on Tue 14 Nov 17 at 10:22
 Guess the insurance quote Game - Clk Sec
Can I get my bid in for first refusal, if you decide to trade up within a couple of years or so?
No scratches or dents in the meantime, though.

Nice motor, Z. I hope you enjoy the experience.
 Guess the insurance quote Game - Zero
>> Can I get my bid in for first refusal, if you decide to trade up
>> within a couple of years or so?

Not sure you'd like the 24mpg......
 Guess the insurance quote Game - legacylad
Pah. My barbiemobile is showing 25mpg.
Watch out for camera vans on quiet sections of Scottish motorway
Sounds a lovely motor
 Guess the insurance quote Game - Hard Cheese
>> >> Can I get my bid in for first refusal, if you decide to trade
>> up within a couple of years or so?
>>
>> Not sure you'd like the 24mpg......
>>

Reckon you'll get more than that, mine can get down to 26/27 pottering locally and less if hooning though an average average (IYKWIM) is around 30 and much more if including a long run, 37mpg + is quite easy even if cruising at 80 ish.

What's the CO2 G/KM?

 Guess the insurance quote Game - DP
>> What's the CO2 G/KM?


I reckon 24 mpg doesn't sound too far off. My car has the same B58 engine, but is lighter and 2WD, and is averaging 28.2 mpg over 8,500 miles against a computer reading (never reset) of 28.8. For a 335 bhp car that is "well exercised", I'm pretty happy with that.

My best trip average is 43.2 mpg. Home to our Bristol office, door to door, in quiet traffic, cruising at 70-75 all the way. Worst trip average is 13.6 mpg on a 7 mile run home from the station in really hideous traffic, but "making up time" in the quieter bits. These are computer figures, but I have verified the accuracy of this against brim to brim calculations, and it's pretty close.


Last edited by: VxFan on Wed 15 Nov 17 at 12:59
 Guess the insurance quote Game - R.P.
A passenger in the 335 mentioned the fact that at around 80mph it's only running around 1.5k to 2.0k revs. So I guess fuel consump will be accordingly good
 Guess the insurance quote Game - Zero
>> A passenger in the 335 mentioned the fact that at around 80mph it's only running
>> around 1.5k to 2.0k revs. So I guess fuel consump will be accordingly good
>>

The major advantage of the B58 engine, it's that is very diesel like with its torque delivery, shed loads of it, all of it there from about 1700 revs to red line..

Had two longish motorway runs, out to Laverstoke mill (Bombay sapphire tour) in non rush our, in to Basingstoke and out home again in rush hour Hurley burley, and home to Tring this morning in variable M25 traffic, it's crept up to 25.1
 Guess the insurance quote Game - Hard Cheese
>> very diesel like with its
>> torque delivery, shed loads of it, all of it there from about 1700 revs to

Less than that I reckon, max torque from more like 1400/1500


>> home to Tring this morning
>>

You living in Tring now?


 Guess the insurance quote Game - Zero
No, home from Tring this afternoon
 Guess the insurance quote Game - Hard Cheese
Aha ...>> No, home from Tring this afternoon
>>
 Guess the insurance quote Game - Bromptonaut
>> No, home from Tring this afternoon

Were you at Tring for a train?
 Guess the insurance quote Game - Zero
>> >> No, home from Tring this afternoon
>>
>> Were you at Tring for a train?

No trains at Tring today, I was at Tring for training.
 Guess the insurance quote Game - Zero
>> A passenger in the 335 mentioned the fact that at around 80mph it's only running
>> around 1.5k to 2.0k revs. So I guess fuel consump will be accordingly good

Looked at it this afternoon, at 85 its at 2k
 Guess the insurance quote Game - R.P.
Taking it gentle then ?
 Guess the insurance quote Game - Hard Cheese
>> My car has the same B58 engine, but is lighter and 2WD, and is averaging 28.2 mpg over 8,500 miles against a computer reading (never reset) of 28.8.
>>

Mine has the N55 engine though otherwise has much more in common with yours than Z's and I have just checked the long term computer (also never reset as far as I can recall) 29.0 MPG over 18,050 miles. Amazingly close, less than 1% ...

The local pottering has a bigger impact on the average that I though perhaps as on a run it is usually on the high side of 35mpg, even enthusiastic cross country blasts over the Mendips and Salisbury Plain to the A303, M3 and suburbia.


 Guess the insurance quote Game - Zero

>> Rose tinted varifocals?

Nope just good quality ones.
 Guess the insurance quote Game - Zero

>> And does the 5er meet expectations so far?

Yes it does, more so because its a combo of features I didn't get the chance to try together.

 Guess the insurance quote Game - Zero
>>
>> >> And does the 5er meet expectations so far?
>>
>> Yes it does, more so because its a combo of features I didn't get the
>> chance to try together.

Mind you mixing combos you didnt have the chance to test has some down sides. Sun protection glass, dimming rear mirror and cage means the rear view out the back at night does not exist.
 Guess the insurance quote Game - Runfer D'Hills
Doesn't it have a reversing camera?

Gosh. Quite surprising.

;-)
 Guess the insurance quote Game - No FM2R
>> Sun protection glass, dimming rear mirror and cage means the rear view out the back at night does not exist.

Well, at least you have two door mirrors. I hear that some prefer to drive with only one which seems unwise.
 Guess the insurance quote Game - Hard Cheese
>> Mind you mixing combos you didnt have the chance to test has some down sides.
>> Sun protection glass, dimming rear mirror and cage means the rear view out the back
>> at night does not exist.

I have sun protection glass and auto dimming mirrors, so I kind of know what you mean, though I don't have a dog cage in the back ...
Last edited by: VxFan on Fri 17 Nov 17 at 03:40
 Guess the insurance quote Game - Runfer D'Hills
>>have sun protection glass and auto dimming mirrors, so I kind of know what you mean, though I don't have a dog cage in the back ...

Yeah, I don't suppose you could fit a dog cage in one of those girl's ones like you have...

;-))
 Guess the insurance quote Game - Hard Cheese
>> Yeah, I don't suppose you could fit a dog cage in one of those girl's
>> ones like you have...

You're muddling me with LL and his Pecan, surely ...

I could fit a small dog cage in the car if I wanted to though then I wouldn't have room for the medium sized dog*.

* Who tends to go in the 120i and not the M135i ...

Last edited by: VxFan on Fri 17 Nov 17 at 03:41
 Guess the insurance quote Game - Runfer D'Hills
You have two girls cars?

Blimey.

;-)
 Guess the insurance quote Game - Mapmaker
You have two girls?

Blimey.
 Guess the insurance quote Game - tyrednemotional

>>
>> I have sun protection glass and auto dimming mirrors, so I kind of know what
>> you mean, though I don't have a dog cage in the back ...
>>

Are you sure there isn't one lurking in the gloom back there.....?
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