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Insuring an E63 Biturbo

AMGeed

AMGeed

MB Club Veteran
SUPPORTER
Joined
Nov 1, 2008
Messages
19,936
Location
Bournemouth/Poole Dorset
Car
W210 E280 x2, w211 E55, W212 E63 biturbo, S204 C180K
<div class="bbWrapper">So I've found a car, put a refundable holding deposit on it and going to view it Saturday.<br /> I'll post pics and an update if I decide this is the one.<br /> <br /> 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.<br /> <br /> 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<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f631.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":eek:" title="Eek! :eek:" data-smilie="9"data-shortname=":eek:" /><br /> What happened? I got 7 weeks older and its an extra £130? I swear insurance is a huge fiddle.<br /> <br /> Anyway, the cheapest quote came from everyone's favourite (not) Hastings Essential at £393 without windscreen cover<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f641.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":(" title="Frown :(" data-smilie="3"data-shortname=":(" />. Hastings Direct was £429 inc windscreen cover.<br /> <br /> I had the E55 insured at Hastings for 2 years but fortunately for me, never made any claim.<br /> 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)<br /> <br /> Also, John here isn't enamoured with Hastings either<br /> <a href="https://forums.mercedesclub.org.uk/index.php?threads/2004-e55-amg-for-sale-long-ad-split-into-2-posts.177334/#post-1745745" target="_blank" class="link link--external" rel="nofollow ugc noopener">Vehicle - 2004 E55 AMG FOR SALE (long ad split into 2 posts)</a><br /> <br /> 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.<br /> <br /> 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.<br /> Having a car close to £30k is too much to risk with a company that messes about should the worst happen.<br /> <br /> 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.<br /> Any I should try before next week?<br /> <br /> Oh, the most expensive quote was £11,082 from BG Insurance whoever they are<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f644.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":rolleyes:" title="Roll Eyes :rolleyes:" data-smilie="11"data-shortname=":rolleyes:" /></div>
 
<div class="bbWrapper">Good luck with the E55K sale and this one.<br /> <br /> I know of two separate insurance episodes which both involved Hastings this year.<br /> <br /> One was from the perspective on the insured.<br /> <br /> The other was from the 3rd party where the 1st part was insured with them.<br /> <br /> Absolute crooks and utterly inept.<br /> <br /> Never will there be a day when I even consider them.<br /> <br /> 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).</div>
 
<div class="bbWrapper">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. <br /> <br /> Worst experience was more than ( royal sun alliance ) shocking!</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 21572" data-quote="AMGeed" data-source="post: 2798414" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2798414" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2798414">AMGeed said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Also, John here isn't enamoured with Hastings either </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> Hmm, did you mean me?<br /> <br /> I always presume when someone puts John they are talking about WoodyTheWise or Developer...</div>
 
<div class="bbWrapper">I have an LV multicar policy. Wife's Sorento plus my CLS55 = £550. Daughter named on the Sorento. I'm happy with that.</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 53784" data-quote="John" data-source="post: 2798437" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2798437" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2798437">John said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Hmm, did you mean me?<br /> <br /> I always presume when someone puts John they are talking about WoodyTheWise or Developer... </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> Yes John. I meant you on this occasion as you'd mentioned Hastings before and I quoted you.</div>
 
<div class="bbWrapper">Interesting results from the comparison sites<img src="/styles/mbclub/smilies/dk.gif" class="smilie" loading="lazy" alt=":dk:" title="Dk :dk:" data-shortname=":dk:" /><br /> <br /> Axa have four different widely varying prices depending on where you look.<br /> <br /> Money Supermarket........... £541<br /> Confused,com....................£494<br /> Go Compare......................£613<br /> Compare the Market...........£604<br /> <br /> Sure pays to check them all.</div>
 
<div class="bbWrapper">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.<br /> <br /> Good luck with the viewing, Roger <img src="/styles/mbclub/smilies/thumb.gif" class="smilie" loading="lazy" alt=":thumb:" title="Thumb :thumb:" data-shortname=":thumb:" /></div>
 
<div class="bbWrapper">^Cheers Phil<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile :)" data-smilie="1"data-shortname=":)" /><br /> Unfortunately, Aviva are £300 more expensive than Axa for me<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f641.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":(" title="Frown :(" data-smilie="3"data-shortname=":(" /></div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 21572" data-quote="AMGeed" data-source="post: 2798414" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2798414" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2798414">AMGeed said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> So I've found a car, put a refundable holding deposit on it and going to view it Saturday.<br /> I'll post pics and an update if I decide this is the one.<br /> <br /> 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.<br /> <br /> 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<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f631.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":eek:" title="Eek! :eek:" data-smilie="9"data-shortname=":eek:" /><br /> What happened? I got 7 weeks older and its an extra £130? I swear insurance is a huge fiddle.<br /> <br /> Anyway, the cheapest quote came from everyone's favourite (not) Hastings Essential at £393 without windscreen cover<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f641.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":(" title="Frown :(" data-smilie="3"data-shortname=":(" />. Hastings Direct was £429 inc windscreen cover.<br /> <br /> I had the E55 insured at Hastings for 2 years but fortunately for me, never made any claim.<br /> 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)<br /> <br /> Also, John here isn't enamoured with Hastings either<br /> <a href="https://forums.mercedesclub.org.uk/index.php?threads/2004-e55-amg-for-sale-long-ad-split-into-2-posts.177334/#post-1745745" target="_blank" class="link link--external" rel="nofollow ugc noopener">Vehicle - 2004 E55 AMG FOR SALE (long ad split into 2 posts)</a><br /> <br /> 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.<br /> <br /> 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.<br /> Having a car close to £30k is too much to risk with a company that messes about should the worst happen.<br /> <br /> 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.<br /> Any I should try before next week?<br /> <br /> Oh, the most expensive quote was £11,082 from BG Insurance whoever they are<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f644.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":rolleyes:" title="Roll Eyes :rolleyes:" data-smilie="11"data-shortname=":rolleyes:" /> </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> <br /> The underwriters books could have changed a lot in 7 weeks, skewing their preferred risk profile.</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 21572" data-quote="AMGeed" data-source="post: 2798460" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2798460" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2798460">AMGeed said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Interesting results from the comparison sites<img src="/styles/mbclub/smilies/dk.gif" class="smilie" loading="lazy" alt=":dk:" title="Dk :dk:" data-shortname=":dk:" /><br /> <br /> Axa have four different widely varying prices depending on where you look.<br /> <br /> Money Supermarket........... £541<br /> Confused,com....................£494<br /> Go Compare......................£613<br /> Compare the Market...........£604<br /> <br /> Sure pays to check them all. </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> Hmm! That's exactly why I advise people to do this.<br /> <br /> 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.<br /> <br /> But if you only use one site, you don't see this.</div>
 
<div class="bbWrapper">From experience, now knowing of 3 repairs in our family, I’d look very seriously at Admiral.<br /> <br /> No issues nominating your repairer of choice or with the entire process.</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 21572" data-quote="AMGeed" data-source="post: 2798469" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2798469" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2798469">AMGeed said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> ^Cheers Phil<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile :)" data-smilie="1"data-shortname=":)" /><br /> Unfortunately, Aviva are £300 more expensive than Axa for me<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f641.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":(" title="Frown :(" data-smilie="3"data-shortname=":(" /> </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>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.<br /> <br /> The joke is my household insurance now exceeds the motor insurance for the first time in 38 years!<br /> <br /> Sent from my SM-G955F using Tapatalk</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 135134" data-quote="SL500AMG" data-source="post: 2798517" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2798517" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2798517">SL500AMG said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> 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.<br /> <br /> The joke is my household insurance now exceeds the motor insurance for the first time in 38 years!<br /> <br /> Sent from my SM-G955F using Tapatalk </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> It seems Aviva Direct think I'm a bit of a risk<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f600.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":D" title="Big Grin :D" data-smilie="8"data-shortname=":D" /><br /> £1642. 08 pa or £136. 84 pm.<br /> <br /> Now I remember why I didn't bother getting quotes from Aviva.<br /> It works for some, like yourself, but not me.</div>
 
<div class="bbWrapper">Im surprised at that Aviva quote as they have normally been cheapest for me.</div>
 
<div class="bbWrapper">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.</div>
 
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<div class="bbWrapper">^ I think Admiral are the only company I've not got a quote from.<br /> Something to do this evening<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f609.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=";)" title="Wink ;)" data-smilie="2"data-shortname=";)" /></div>
 
<div class="bbWrapper">Admiral have been consistently cheaper for us for quite a few years now and their customer service is very good.</div>
 
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<div class="bbWrapper">Admiral don't seem to want me<img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f641.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":(" title="Frown :(" data-smilie="3"data-shortname=":(" /><img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f600.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":D" title="Big Grin :D" data-smilie="8"data-shortname=":D" /><br /> <script class="js-extraPhrases" type="application/json"> { "lightbox_close": "Close", "lightbox_next": "Next", "lightbox_previous": "Previous", "lightbox_error": "The requested content cannot be loaded. Please try again later.", "lightbox_start_slideshow": "Start slideshow", "lightbox_stop_slideshow": "Stop slideshow", "lightbox_full_screen": "Full screen", "lightbox_thumbnails": "Thumbnails", "lightbox_download": "Download", "lightbox_share": "Share", "lightbox_zoom": "Zoom", "lightbox_new_window": "New window", "lightbox_toggle_sidebar": "Toggle sidebar" } </script> <div class="bbImageWrapper js-lbImage" title="1492" data-src="https://cfprpartnerimages.azureedge.net/1492" data-lb-sidebar-href="" data-lb-caption-extra-html="" data-single-image="1"> <img src="https://cfprpartnerimages.azureedge.net/1492" data-url="https://cfprpartnerimages.azureedge.net/1492" class="bbImage" data-zoom-target="1" style="" alt="1492" title="" width="" height="" loading="lazy" /> </div><br /> £723.52<br /> <br /> Axa are in the lead<br /> <div class="bbImageWrapper js-lbImage" title="1638" data-src="https://cfprpartnerimages.azureedge.net/1638" data-lb-sidebar-href="" data-lb-caption-extra-html="" data-single-image="1"> <img src="https://cfprpartnerimages.azureedge.net/1638" data-url="https://cfprpartnerimages.azureedge.net/1638" class="bbImage" data-zoom-target="1" style="" alt="1638" title="" width="" height="" loading="lazy" /> </div><br /> £494.82</div>
 
<div class="bbWrapper">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.<br /> 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.<br /> 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! <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f600.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":D" title="Big Grin :D" data-smilie="8"data-shortname=":D" /> <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f600.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":D" title="Big Grin :D" data-smilie="8"data-shortname=":D" /><br /> <br /> At the other end of the barrel are Sheila's Wheels/esure.<br /> What a bunch of tight fisted pillocks they were. My bodyshop did warn me and will not deal with them under any circumstances.<br /> 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.<br /> 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.<br /> <br /> 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.<br /> <br /> So, I wonder if Mr Campbell's gaffer ever got to see those figures? <img src="/styles/mbclub/smilies/doh.gif" class="smilie" loading="lazy" alt=":doh:" title="Doh :doh:" data-shortname=":doh:" /><img src="/styles/mbclub/smilies/doh.gif" class="smilie" loading="lazy" alt=":doh:" title="Doh :doh:" data-shortname=":doh:" /><img src="/styles/mbclub/smilies/doh.gif" class="smilie" loading="lazy" alt=":doh:" title="Doh :doh:" data-shortname=":doh:" /></div>
 
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