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Insuring an E63 Biturbo

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

  1. AMGeed

    AMGeed Senior Member

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    Your Mercedes:
    2004 W211 E55K ///AMG/ 2014 W212 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
    https://forums.mercedesclub.org.uk/index.php?threads/2004-e55-amg-for-sale-long-ad-split-into-2-posts.177334/#post-1745745

    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:
     
    anyweb likes this.
  2. Srdl

    Srdl Senior Member

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    Your Mercedes:
    GLC43 AMG 2018 (X253) Premium Plus
    We’ve had both cars with LV for some time. The renewal quotes are so reasonable that I haven’t bothered to check elsewhere. I thought the increase when I swapped the C207 for the GLC43 was very reasonable considering the cost of the new car.
     
  3. dry run

    dry run Senior Member

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    I insure through Chris Knott (forum supporter), they seem pretty competitive (although they struggle to compete with basic policies such as no courtesy car, no glass cover, etc,).
     
  4. OP
    AMGeed

    AMGeed Senior Member

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    ^ I had a quote sometime back for the E55 from Chris Knott.
    Unfortunately not competitive at all.
     
  5. OP
    AMGeed

    AMGeed Senior Member

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    Your Mercedes:
    2004 W211 E55K ///AMG/ 2014 W212 E63 Biturbo
    Interesting results from the comparison sites

    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.
     
  6. John Laidlaw

    John Laidlaw Senior Member

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    Churchill insured my 2014 Bi Turbo for 525 which included the remap, increased power up to 18% IIRC.
    Biggish excess mind of £900 total
     
  7. Blobcat

    Blobcat Moderator

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    Your Mercedes:
    R171 SLK280 3.0, Land Rover 110 County SW
    Excess on my SLK is just £45, never had one so low ever
     
  8. AJD

    AJD Senior Member

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    2012 W204 Sport ///AMG Line 4dr Auto, Obsidian Black, Light Grey Faux Leather. And no AMG badges !!
    Most of these sites are owned by Insurance Companies, so I suspect the figure they produce depends on who owns the site :rolleyes:
     
  9. daveenty

    daveenty Senior Member

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    Mine was with Privilege for a while Roger when it was relatively standard. They were happy to accept mods to it at a very reasonable price until I started to go over the top with power increases. I think they allowed around a 20% increase in power but couldn't help me after that.

    I then went with A Plan but they're possibly not the best for a standard car. I'm still with them currently, though I may be changing soon on the new one...
     
    AMGeed likes this.
  10. brick10

    brick10 Senior Member

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  11. PovertySpec

    PovertySpec Senior Member

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    Use a different browser each search (Waterfox/Chrome/IE/Safari/FireFox/Opera - built in VPN)

    AFAIK comparison sites are not allowed to share user data (GDPR) so you can clear all cookies, use another browser and keep looking, each time you'll appear as a new customer.

    I use confused, always been cheapest for me.

    You can also be 'creative' but broadly honest with your occupation.

    Remember you have 14 day cooling off period.
     
    AMGeed likes this.
  12. davidsl500

    davidsl500 Senior Member

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    Your Mercedes:
    R172 250CDI, R129 SL500 Gone...
    I don't think he has a drink problem..:rolleyes:
     
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  13. Blobcat

    Blobcat Moderator

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    Could be a battery issue :D
     
  14. OP
    AMGeed

    AMGeed Senior Member

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    AA are £100 more than Axa
     
  15. umblecumbuz

    umblecumbuz Senior Member

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    Yep - almost every insurer is guilty of battery!
     
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  16. AJD

    AJD Senior Member

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    Tesco's ?
     
  17. OP
    AMGeed

    AMGeed Senior Member

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    Your Mercedes:
    2004 W211 E55K ///AMG/ 2014 W212 E63 Biturbo
    Privilege coming in at £545 with protected NCD, £494 without.
     
  18. OP
    AMGeed

    AMGeed Senior Member

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    Still more expensive than Axa although my E55 is insured with Tesco
     
  19. fabes

    fabes Senior Member

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    Your Mercedes:
    E 350CGI Coupe
    I am with Admiral, but have quite a few less horses than either of your steeds.
    A Plan would be my go to actual broker, so I'd agree to take your AXA number to them.

    Do watch for all the usual inner limits, restrictions though such as

    Policy excess can vary for w/s, w/s repair, own damage vs TP claim (some now add one) and of course young driver excess (shouldn't both you though Roger ;))
    Admin charges for anything and everything (hate those)
    ANY form of mod (even tints, winter tyres, although you're in Poole...)
    Courtesy car period and qualifying period
    Parking off street, on street, on drive, in garage
    Any and all security
    Discounts if you take LX or breakdown policies with them (and then what that doesn't cover)
    Discounts for advanced driving or some club memberships
    NCD rules on claims - even non fault
    Repairer network and standards (some are remote and low to subsidise cheap premiums)

    I could go on, but you get the gist and know most of it.

    Waiting for the photos.....:geek:

    PS Are you going to consider putting a tracker or the likes on it?
     
    AMGeed likes this.
  20. OP
    AMGeed

    AMGeed Senior Member

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    Your Mercedes:
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    Going to put an Autowatch Ghost on it Jon.
    Rather it wasn't taken, sooner than finding it once its gone:D
     

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