Insurance shock

Steces · 06-23-2018, 06:52 AM

Coming to the end of my 335d lease and having decided we like the form factor and day to day liveability, or whatever, but have become bored of it just casually got a quote for a 340i which Id imagined would be dramatically different to insure

Which it is by 10%

Cheaper!

TheLiverBird · 06-23-2018, 07:21 AM

Quote:

Originally Posted by Steces

Coming to the end of my 335d lease and having decided we like the form factor and day to day liveability, or whatever, but have become bored of it just casually got a quote for a 340i which Id imagined would be dramatically different to insure

Which it is by 10%

Cheaper!

I went from a 435D to an S5 and mine reduced also - BMW was a group 43, Audi was 42! It would seem diesel engines are more expensive to repair possibly? Or it could be newer safety tech on the newer model! Aviva asked about auto braking (which the S5 has) and it reduced the premium slightly too! Although I'm sure most insurance companies just pick the highest number they think they can get away with!

Hooded · 06-23-2018, 07:21 AM

Quote:

Originally Posted by Steces

Coming to the end of my 335d lease and having decided we like the form factor and day to day liveability, or whatever, but have become bored of it just casually got a quote for a 340i which Id imagined would be dramatically different to insure

Which it is by 10%

Cheaper!

A few years ago I did a quote on a new F30 335i and that was more than 10% cheaper than an E90 320d

NotGotABimmer23 · 06-23-2018, 07:25 AM

Im pretty sure the premium is directly from a random number generator.

GEP77 · 06-23-2018, 07:53 AM

Many years ago I went from a 1.25 Mk4 Fiesta to an E36 328i Sport Coupe. While the premium did increase it was only about £25 a year. Which was nice.

chris-c · 06-23-2018, 07:59 AM

I spent a while looking to buy a 335D. I'd planned on costs for the insurance for the 335D and got numerous quotes. When I changed my mind for the 340i I noticed that all of the quotes were a good chunk cheaper for the 340i.

My guess is the 335D is common of muck and lots of twunts smash them up VS the 340i which is far far less common so less numpties smash them.

robbiep · 06-23-2018, 08:29 AM

In shock news, people with faster cars have higher insurance premiums

340i - 0-60 5.2 (manual box) or 5.1 (auto)
335d - 0-60 4.8

Not sure why it's so surprising.

Hooded · 06-23-2018, 08:39 AM

Quote:

Originally Posted by robbiep

In shock news, people with faster cars have higher insurance premiums

340i - 0-60 5.2 (manual box) or 5.1 (auto)
335d - 0-60 4.8

Not sure why it's so surprising.

Yes that explains why an E90 320d costs more to insure than an F30 335i

stefan4 · 06-23-2018, 09:17 AM

Not really surprising. infact I've been shopping for insurance for my m3 which is hardly any different to my 340i.

It won't be performance related, probably more to do with the % of higher mileage drivers in 335ds so stylistically probably have more accidents.

lethbridge · 06-23-2018, 09:39 AM

My quotes for going from my 335d worth probably £17k albeit with a tuning box to an M3 which is over £80k list puts it about the same price - there really is no logic to it...

Rhino at Work · 06-23-2018, 10:59 AM

Mine went down moving from 330d XD to 340i. Result!

chris-c · 06-23-2018, 12:08 PM

Quote:

Originally Posted by LobB

This is entirely logical. It has been statistically proven that diesel drivers are shite.

Therefore the claims are higher. Let's face it, if you drive a 335d instead of a 340i, you're nearly as mad as me. And that's on the sharp end of mad

And LobB only THINKS he drives a car. He is actually bouncing around his padded cell right now trying to write a love letter for Brigand with his own feces.

Stunt.Monkey · 06-23-2018, 12:56 PM

I changed to a F31 330i from a 18d X1 and the premium was unchanged. Pleasant surprise for a change as I had budgeted to pay quite a bit more.

SkyJawa · 06-23-2018, 01:36 PM

When I changed my M140 to the 335d my insurance went up.

dizzy619 · 06-23-2018, 01:52 PM

Quote:

Originally Posted by chris-c

Quote:

Originally Posted by LobB

This is entirely logical. It has been statistically proven that diesel drivers are shite.

Therefore the claims are higher. Let's face it, if you drive a 335d instead of a 340i, you're nearly as mad as me. And that's on the sharp end of mad

And LobB only THINKS he drives a car. He is actually bouncing around his padded cell right now trying to write a love letter for Brigand with his own feces.

No you've got it wrong... He always turns up at the trackdays that get organised on here... He never just sits at home telling everyone how awesome he is..

KCH1984 · 06-23-2018, 01:57 PM

Quote:

Originally Posted by SkyJawa

When I changed my M140 to the 335d my insurance went up.

Same going M135i to 330xd...and quite a bit up!

mikeoz · 06-23-2018, 03:01 PM

This week Lancelot will be producing the quotes..

chris-c · 06-23-2018, 03:11 PM

Quote:

Originally Posted by LobB

Indeed. I have the spoon up me arse as we speak......

Is that you nurse?

Just count back from 10 and all will be okay.

10

9

8

7

6

... It's okay guys. His meds are working again.

Mattyk · 06-23-2018, 04:40 PM

It's because no one actually drives there petrol car, there all on 8k pa whereas the diesels are 20k plus

Herr Gross Byte · 06-24-2018, 01:37 AM

It's cos the 440i is a better car. I should know, I swapped my 335d for one yesterday.

doomsday runner · 06-24-2018, 01:53 AM

I just swapped our 435d coupe for an M4 and insurance dropped by £120 a year!

NISFAN · 06-24-2018, 02:59 AM

The insurance companies are switched on to the fact that xDrive owners love nothing more than racing in the rain.....which of course is frowned upon.

06-23-2018, 06:52 AM	#1
Steces First Lieutenant 95 Rep 326 Posts Drives: G31 530d Join Date: Sep 2016 Location: UK iTrader: (0)	Insurance shock - 335d versus 340i Coming to the end of my 335d lease and having decided we like the form factor and day to day liveability, or whatever, but have become bored of it just casually got a quote for a 340i which Id imagined would be dramatically different to insure Which it is by 10% Cheaper!
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06-23-2018, 07:25 AM	#4
NotGotABimmer23 Colonel 834 Rep 2,113 Posts Drives: 340i touring - incoming Join Date: Oct 2016 Location: Leicestershire UK iTrader: (0)	Im pretty sure the premium is directly from a random number generator.
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06-23-2018, 07:53 AM	#5
GEP77 Major 409 Rep 1,162 Posts Drives: Tesla Model 3 Long Range. Join Date: Nov 2013 Location: South East London iTrader: (1)	Many years ago I went from a 1.25 Mk4 Fiesta to an E36 328i Sport Coupe. While the premium did increase it was only about £25 a year. Which was nice.
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06-23-2018, 07:59 AM	#6
chris-c Lieutenant Colonel 901 Rep 1,801 Posts Drives: F31 340i RWD Join Date: Feb 2018 Location: Kent iTrader: (0)	I spent a while looking to buy a 335D. I'd planned on costs for the insurance for the 335D and got numerous quotes. When I changed my mind for the 340i I noticed that all of the quotes were a good chunk cheaper for the 340i. My guess is the 335D is common of muck and lots of twunts smash them up VS the 340i which is far far less common so less numpties smash them.
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06-23-2018, 08:29 AM	#7
robbiep Brigadier General 1983 Rep 3,216 Posts Drives: VW e-Golf ! Join Date: Dec 2013 Location: North Wales, UK iTrader: (0)	In shock news, people with faster cars have higher insurance premiums 340i - 0-60 5.2 (manual box) or 5.1 (auto) 335d - 0-60 4.8 Not sure why it's so surprising.
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06-23-2018, 09:17 AM	#9
stefan4 Colonel 1084 Rep 2,376 Posts Drives: 340i on order Join Date: Mar 2013 Location: sheffield iTrader: (0)	Not really surprising. infact I've been shopping for insurance for my m3 which is hardly any different to my 340i. It won't be performance related, probably more to do with the % of higher mileage drivers in 335ds so stylistically probably have more accidents. __________________ Current - X3m Comp Gone but not forgotten - F80 m3 Comp, F30 340i, F30 - 320i
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06-23-2018, 09:39 AM	#10
lethbridge Captain 470 Rep 785 Posts Drives: 2018 F80 M3 CP YMB Join Date: Feb 2012 Location: United Kingdom iTrader: (0) Garage List 2018 BMW M3 CP [10.00]	My quotes for going from my 335d worth probably £17k albeit with a tuning box to an M3 which is over £80k list puts it about the same price - there really is no logic to it... __________________ Current: 2018 F80 M3CP YMB. Previous: 2015: F34 335d GT M Sport+; 2012: F07 535d GT M Sport; 2008: 335d SE; 2005: 530d; 2003: 330d; 2002: 330i; 1999: 523i
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06-23-2018, 10:59 AM	#11
Rhino at Work Major 714 Rep 1,240 Posts Drives: G21 330i Portimao Blue Join Date: Aug 2012 Location: Yorkshire iTrader: (0)	Mine went down moving from 330d XD to 340i. Result! __________________ Current: Portimao Blue G21 330i Previous: EB F30 340i Shadow Edition Previous: EB F30 330d xdrive
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06-23-2018, 12:56 PM	#13
Stunt.Monkey Private 47 Rep 62 Posts Drives: F31 330i MSport Shadow Edition Join Date: Mar 2018 Location: Norfolk iTrader: (0)	I changed to a F31 330i from a 18d X1 and the premium was unchanged. Pleasant surprise for a change as I had budgeted to pay quite a bit more. __________________ F31 330i MSport Shadow Edition Estoril Blue / Oyster / Pro Media / Reversing Camera / Heated Seats Front and Rear / Digital Cockpit / Speed Limit Display / Apple Car Play / Factory Towbar
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06-23-2018, 01:36 PM	#14
SkyJawa Major General 3719 Rep 8,636 Posts Drives: F10 530d Join Date: May 2014 Location: Hampshire iTrader: (1)	When I changed my M140 to the 335d my insurance went up.
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06-23-2018, 03:01 PM	#17
mikeoz Major General 2856 Rep 5,608 Posts Drives: BMW X3 M40d LCI Join Date: Sep 2011 Location: cambs iTrader: (1)	This week Lancelot will be producing the quotes..
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06-23-2018, 04:40 PM	#19
Mattyk Lieutenant Colonel 591 Rep 1,797 Posts Drives: G20 M340i Join Date: Oct 2014 Location: Lancashire iTrader: (0)	It's because no one actually drives there petrol car, there all on 8k pa whereas the diesels are 20k plus __________________ G20 M340i Gone F36 435d F30 335d
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06-24-2018, 01:37 AM	#20
Herr Gross Byte Private First Class 135 Rep 150 Posts Drives: 440i GC Join Date: Aug 2017 Location: Essex iTrader: (0)	It's cos the 440i is a better car. I should know, I swapped my 335d for one yesterday.
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06-24-2018, 01:53 AM	#21
doomsday runner Captain 234 Rep 663 Posts Drives: X4M Comp & 335d M Sport Join Date: Aug 2011 Location: Wakefield UK iTrader: (0)	I just swapped our 435d coupe for an M4 and insurance dropped by £120 a year! __________________ Current: BMW X4M Comp, BMW 335d LCI
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06-24-2018, 02:59 AM	#22
NISFAN Major General 3489 Rep 9,709 Posts Drives: BMW M2 Join Date: Aug 2012 Location: Bedford UK iTrader: (0)	The insurance companies are switched on to the fact that xDrive owners love nothing more than racing in the rain.....which of course is frowned upon.
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