What is the cheapest ins for the x5

ozzyhufc · Post by **ozzyhufc** » Sun Jun 05, 2011 12:53 pm

Where can i find cheap insurance for my E53 BMW X5 , its was ok till this year then it went up by 3x its a joke, where are the cheapest insurance's i have over 9+years no claims.

x555 · Post by **x555** » Sun Jun 05, 2011 1:17 pm

All depends on your circumstances...where you live how old etc etc...
I renewed with swift last year as they were the best price for me.

ITBarbie · Post by **ITBarbie** » Sun Jun 05, 2011 5:03 pm

I've just renewed with swift with 9 years no claims for just over Â£500. Not as good as last policy as higher compulsory excess but everyone else was ridiculously high!

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pvw10 · Post by **pvw10** » Sun Jun 05, 2011 6:23 pm

Crikey that sounds a lot, mine Â£313 (Â£263.00 last year) with Admiral, fully comp,protected no claims and Â£500.00 excess etc etc so was happy.

Waka · Post by **Waka** » Sun Jun 05, 2011 8:20 pm

Do any of you have trackers? I don't and have heard they can make quotes cheaper, or in some cases, the difference between quote and no quote!

ITBarbie · Post by **ITBarbie** » Sun Jun 05, 2011 10:30 pm

[quote=""Waka""]Do any of you have trackers? I don't and have heard they can make quotes cheaper, or in some cases, the difference between quote and no quote![/quote]

I don't have a tracker. Some companies won't accept you without one and my last company (Zurich connect) told me it made no difference to their quote so I'm not bothered.

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kena · Post by **kena** » Mon Jun 06, 2011 7:55 am

[quote=""Waka""]Do any of you have trackers? I don't and have heard they can make quotes cheaper, or in some cases, the difference between quote and no quote![/quote]

I'm with Saga ( I know I'm an old T*@t )
My X has a tracker fitted which is not activated.
Saga were prepared to knock 1p off my insurance if I activated the tracker

pvr · Post by **pvr** » Mon Jun 06, 2011 10:37 am

I have tracker as Churchill (Â£285) insisted on my having it before they would touch it. As I bought the car new and expected to keep it for a few years (which I obviously did), the tracker fee was not too bad).

dirtymonkey29 · Post by **dirtymonkey29** » Thu Jun 09, 2011 8:25 pm

[quote=""ozzyhufc""]Where can i find cheap insurance for my E53 BMW X5 , its was ok till this year then it went up by 3x its a joke, where are the cheapest insurance's i have over 9+years no claims.[/quote]

Same as for me, got a renew offer from swiftcover for Â£1100!!!....ive not paid that since i passed my test!

I have 8 or 9 years no claims, 33years old next month. Need to find a decent reliable insurance company by the end of the month.

B1G JV · Post by **B1G JV** » Thu Jun 09, 2011 9:00 pm

I'm 32, 9 years no claims, just got a quote for Â£476 which I find to be brilliant! it just gets cheaper each year

Putting any random woman as a second driver knocks Â£100 off the price too.......... sister, mother, gf, anyone! add a man and it goes up!

(oh, and Admiral and Elephant tend to always be the cheapest for me, also Tesco and AA)

dirtymonkey29 · Post by **dirtymonkey29** » Thu Jun 09, 2011 9:16 pm

[quote=""B1G JV""]I'm 32, 9 years no claims, just got a quote for Â£476 which I find to be brilliant! it just gets cheaper each year

Putting any random woman as a second driver knocks Â£100 off the price too.......... sister, mother, gf, anyone! add a man and it goes up!

(oh, and Admiral and Elephant tend to always be the cheapest for me, also Tesco and AA)[/quote]

Who was quote with?

B1G JV · Post by **B1G JV** » Thu Jun 09, 2011 9:22 pm

That one was Elephant

B1G JV · Post by **B1G JV** » Thu Jun 09, 2011 9:38 pm

Just run them again on confused.com and re-submitted some old quotes, Fully comp with protected no claims: Elephant Â£476.39 Bell has now come in at Â£478.51 i use a Â£500 voluntary excess, with Â£100 excess the quotes are: Elephant Â£537.87, Bell Â£539.99. with Â£250 excess: Elephant Â£531.51 Bell Â£533.63.
Compulsary excess is Â£100 in each case.

Summary:

With Â£250 voluntary excess: Elephant Â£531.51 Bell Â£533.63.
With Â£300 voluntary excess: Elephant Â£530.45, Bell Â£532.57
With Â£350 voluntary excess: Elephant Â£530.45, Bell Â£532.57
With Â£400 voluntary excess: Elephant Â£530.45, Bell Â£532.57
With Â£450 voluntary excess: Elephant Â£476.39, Bell wont quote Â£450 excess
With Â£500 voluntary excess: Elephant Â£476.39, Bell Â£478.51
With Â£1000 voluntary excess: Elephant Â£450.95, Bell Â£453.07

Hence Â£500 always seems about right to me
I always use confused.com as it's quick and easy.....

HTH

pvw10 · Post by **pvw10** » Fri Jun 10, 2011 7:30 pm

Elephant/Bell/sheilas wheels/Diamond etc etc are all one and the same, watch for the 02920 (Cardiff) telephone numbers if not freephone. They compete against each other so is worth a battle :O)

Giles90 · Post by **Giles90** » Mon Aug 01, 2011 2:40 pm

might be worth a play around on here : http://www.moneysavingexpert.com/insura ... ob-picker/
it lets you put in your job title and suggests other ways of wording it that may come out a bit cheaper.

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