Insuring an E63 Biturbo

Discussion in 'Insurance & Finance' started by AMGeed, Sep 12, 2019.

  1. AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    So I've found a car, put a refundable holding deposit on it and going to view it Saturday.
    I'll post pics and an update if I decide this is the one.

    I thought I would update the insurance quotes I found at the end of July when I first decided to change cars. Getting quotes from Money Supermarket on 26th July, LV came out head and shoulders the cheapest and for a stock 2014 E63 Biturbo I was quoted £420. This rose to £520 ish when adding a map, non oem alloys, lowering springs and an exhaust modification on the car I was going to view. I thought this all good value.

    Fast forward to today and how times have changed. It may only be 7 weeks later, but LV are nowhere to be seen on Money Supermarket. I went onto LV's website, filled in the quotation folm and they threw out a figure of £550 without modifications:eek:
    What happened? I got 7 weeks older and its an extra £130? I swear insurance is a huge fiddle.

    Anyway, the cheapest quote came from everyone's favourite (not) Hastings Essential at £393 without windscreen cover:(. Hastings Direct was £429 inc windscreen cover.

    I had the E55 insured at Hastings for 2 years but fortunately for me, never made any claim.
    Now I won't touch them after reading countless poor reviews of them, and their other companies in other names (Peoples Choice and Insure pink to name two)

    Also, John here isn't enamoured with Hastings either
    Vehicle - 2004 E55 AMG FOR SALE (long ad split into 2 posts)

    So scrolling down the evering more expensive list, I have settled on Axa as the most likely at £541 although as its so close to LV, I may go that route.

    In the meantime, after Saturday, I'll know for sure whether this is the car for me and will visit A-Plan brokers to see if they can match or beat Axa with a decent company.
    Having a car close to £30k is too much to risk with a company that messes about should the worst happen.

    I've discounted Adrian Flux for reasons I wrote about long ago that didn't affect me but questioned their integrity. Aviva and Direct Line are both out for not being competitive.
    Any I should try before next week?

    Oh, the most expensive quote was £11,082 from BG Insurance whoever they are:rolleyes:
     
    m2287, ringway and MWCLS like this.
  2. John

    John MB Club Veteran

    Messages:
    11,695
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    Good luck with the E55K sale and this one.

    I know of two separate insurance episodes which both involved Hastings this year.

    One was from the perspective on the insured.

    The other was from the 3rd party where the 1st part was insured with them.

    Absolute crooks and utterly inept.

    Never will there be a day when I even consider them.

    I use Admiral but it's best to sign up to all the comparison sites and run your details through all of them as well - and the indes if you can be bothered (Direct Line don't cover mods apparently).
     
    AMGeed likes this.
  3. MWCLS

    MWCLS Hardcore MB Enthusiast

    Messages:
    1,681
    Joined:
    Sep 1, 2012
    Location:
    Chelmsford
    Car:
    S320 CDI Perlite Gray Metallic 2005
    Nice choice of car! Avoid LV at all costs my wife had a right pain with that lot! I have been with Axa for a number of years they are slightly more expensive but I never have any issues contacting them or with the online account plus their call centre is uk based.

    Worst experience was more than ( royal sun alliance ) shocking!
     
    AMGeed likes this.
  4. John

    John MB Club Veteran

    Messages:
    11,695
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    Hmm, did you mean me?

    I always presume when someone puts John they are talking about WoodyTheWise or Developer...
     
    AMGeed likes this.
  5. Teego

    Teego Hardcore MB Enthusiast

    Messages:
    237
    Joined:
    Feb 2, 2018
    Location:
    Derbyshire
    Car:
    CLS55 AMG
    I have an LV multicar policy. Wife's Sorento plus my CLS55 = £550. Daughter named on the Sorento. I'm happy with that.
     
  6. OP
    OP
    AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    Yes John. I meant you on this occasion as you'd mentioned Hastings before and I quoted you.
     
    John likes this.
  7. OP
    OP
    AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    Interesting results from the comparison sites:dk:

    Axa have four different widely varying prices depending on where you look.

    Money Supermarket........... £541
    Confused,com....................£494
    Go Compare......................£613
    Compare the Market...........£604

    Sure pays to check them all.
     
    John likes this.
  8. st13phil

    st13phil MB Club Veteran

    Messages:
    7,595
    Joined:
    Nov 6, 2007
    Location:
    North Oxfordshire
    Car:
    His - Denim Blue A220 AMG Line Premium / Hers - Obsidian Black R172 SLK55
    FWIW, most policies that I checked out when I had my E63 mandated that you had to use the insurer's nominated repairer with no choice. Aviva was the exception in this, as they would allow you to use a repairer of your choice, albeit with an additional excess (of £200, from memory). They were also sensible with mod's.

    Good luck with the viewing, Roger :thumb:
     
  9. OP
    OP
    AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    ^Cheers Phil:)
    Unfortunately, Aviva are £300 more expensive than Axa for me:(
     

  10. The underwriters books could have changed a lot in 7 weeks, skewing their preferred risk profile.
     
  11. John

    John MB Club Veteran

    Messages:
    11,695
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    Hmm! That's exactly why I advise people to do this.

    If I was cynical, I might think that all the sites engineer things to ensure you buy the product that suits their bottom line more than it suits you.

    But if you only use one site, you don't see this.
     
  12. LTD

    LTD MB Club Veteran

    Messages:
    5,442
    Joined:
    May 21, 2009
    Location:
    Planet Earth
    Car:
    Yep, one of THOSE !!!
    From experience, now knowing of 3 repairs in our family, I’d look very seriously at Admiral.

    No issues nominating your repairer of choice or with the entire process.
     
    ringway and st13phil like this.
  13. SL500AMG

    SL500AMG Hardcore MB Enthusiast

    Messages:
    1,607
    Joined:
    Nov 3, 2017
    Location:
    GB
    Car:
    SL500 AMG Sport
    Did you try the new Aviva Direct as opposed to the traditional Aviva, £200 difference in my quote between the 2 on the SL500. I now have SL500 R231 (similar value to yours) and a Fiat 500 (£7.5k value of cover) for £27 p/m interest free.

    The joke is my household insurance now exceeds the motor insurance for the first time in 38 years!

    Sent from my SM-G955F using Tapatalk
     
    st13phil likes this.
  14. OP
    OP
    AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    It seems Aviva Direct think I'm a bit of a risk:D
    £1642. 08 pa or £136. 84 pm.

    Now I remember why I didn't bother getting quotes from Aviva.
    It works for some, like yourself, but not me.
     
    SL500AMG likes this.
  15. Alps

    Alps MB Club Veteran

    Messages:
    7,147
    Joined:
    Nov 29, 2002
    Location:
    London\Essex
    Car:
    E63 Weistec AMG(SOLD), E55 2004 Silver(SOLD), C36 AMG 1997 (SOLD)
    Im surprised at that Aviva quote as they have normally been cheapest for me.
     
    m2287 and SL500AMG like this.
  16. E55BOF

    E55BOF MB Club Veteran

    Messages:
    5,786
    Joined:
    Mar 11, 2013
    Location:
    South Bucks
    Car:
    SLK55, ML320, ML500, FJR1300, Caponord
    I've just had my renewal notice from Admiral. I have a multi-car policy, and the E63 (maximum NCD, protected) came in at under £400.
     
    LTD likes this.
  17. OP
    OP
    AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    ^ I think Admiral are the only company I've not got a quote from.
    Something to do this evening;)
     
  18. John

    John MB Club Veteran

    Messages:
    11,695
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    Admiral have been consistently cheaper for us for quite a few years now and their customer service is very good.
     
    LTD likes this.
  19. OP
    OP
    AMGeed

    AMGeed MB Club Veteran

    Messages:
    12,020
    Joined:
    Nov 1, 2008
    Location:
    Bournemouth/Poole Dorset
    Car:
    2014 E63 Biturbo
    Admiral don't seem to want me:(:D
    [​IMG]
    £723.52

    Axa are in the lead
    [​IMG]
    £494.82
     
    C43AMG likes this.
  20. ringway

    ringway MB Club Veteran

    Messages:
    6,551
    Joined:
    Nov 29, 2008
    Location:
    In a World of My Own.
    Car:
    Audi A6 Avant 3.0 Bi TDI - A Fantastic Car! Range Rover Supercharged - Lovely! Also R32 & S4.
    When some twit in an XF swiped the whole side of my Range Rover and 3 or 4 other cars on the M6 last year, his insurance company LV were brilliant.
    I have 4 cars in the stable, but said I would prefer it if I could have a Range Rover or similar as a courtesy car.
    They said if I didn't take a courtesy car, they would pay me £75 per day for as long as it took to repair my RR. Kerching! :D :D

    At the other end of the barrel are Sheila's Wheels/esure.
    What a bunch of tight fisted pillocks they were. My bodyshop did warn me and will not deal with them under any circumstances.
    Their insured didn't take a bend and wrote off the 210 that myself and Charles Morgan had spent quite a lot of cash on.
    They would only give me the middle book value for the car, even though I had bills to prove it had been very well looked after.

    So whilst yours truly and Sheila's Wheels Mr Derek Campbell argued over the sum of around £400, the difference between middle and top book price for the 210, they... wait for it... provided me with a hire car for 41 days at a cost of £1740.00! It was only a Hyundi and I could have upgraded to a costlier Passat if I so wished, but thought I was being fair and honest, because the Hyundi wasn't too bad.

    So, I wonder if Mr Campbell's gaffer ever got to see those figures? :doh::doh::doh:
     
    AMGeed likes this.

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.