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Insuring a e36 325i Convertible

  • 08-09-2010 2:33pm
    #1
    P00p3r
    Closed Accounts Posts: 3 ✭


    Hi. My 1st post here :)

    Anyway, to the point. I'm looking into buying myself a BMW 325i convertible (e36). The e36 3 series is still considered one of the best driving experiences out there. I know the convertible is going to affect the rigidity of the body but I've always watched other people driving with their tops down in the summer with envy. I've just always wanted a convertible and have decided to get one.

    I'm a big fan of the BMW inline 6. It's one impressive engine.

    Anyway, what I'm saying is that I've all the valid reasons to get the car I've always wanted. But then comes the insurance company and asks for €4.5k :eek: Some insures wouldn't give me a quote at all. When I tried the same engine in a saloon or coupe, the premium fell by 2k!! I wonder why is that.

    And why exactly is the insurance so expensive :confused: I mean, yes, I'm only 23....but cars are just a passion of mine. I grew up tinkering in my dad's mate's garage and had a great time karting / racing bangers @ the age of 12...kind of grown out of the speeding bit....can't see why I should suffer because of these feckin boyracers...

    any ideas/advice welcome :)


Comments

  • #2
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Youre age isnt helping with a car like that. Also what kind of driving experience do you have?

    Also from what I can gather convertibles seem to be considered high risk by insurance companies.

    Best advise I can give is to take out the phone book and ring every company and broker you can find. Dont bother with the online quoting systems; ring and talk to someone. You might get lucky with a good quote.

    Also, try Setanta (thru a broker), Britton and ARB. Setanta might come back with a surprisingly good quote compared to others, and Britton will either be very good or sky high.


  • #3
    Mena
    Registered Users, Registered Users 2 Posts: 3,180 ✭✭✭Mena


    I bought my wife a CLK convertible, had the same issue with insurance and she's 36 now. Eventually went through 123.ie and Travellers Insurance at around 800 all in.

    On the 2.5 AND a convertible, you're going to get "!%^ royally at your age.


  • #4
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    If I wanted a drivers car I might buy a 325i with a roof, if I wanted a cabriolet I think i'd be looking at a 320i auto.


  • #5
    P00p3r
    Closed Accounts Posts: 3 ✭P00p3r


    djimi wrote: »
    Youre age isnt helping with a car like that. Also what kind of driving experience do you have?

    Also from what I can gather convertibles seem to be considered high risk by insurance companies.

    Best advise I can give is to take out the phone book and ring every company and broker you can find. Dont bother with the online quoting systems; ring and talk to someone. You might get lucky with a good quote.

    Also, try Setanta (thru a broker), Britton and ARB. Setanta might come back with a surprisingly good quote compared to others, and Britton will either be very good or sky high.

    Experience...3 years of junior rally (yeah had that back home :D ) and about 5 years driving on publik roads...plenty. Of that I can only prove one that I'm over here for. Never had a licence back home.

    Britton gave me a hefty quote...will try the others. Thanks :)


  • #6
    P00p3r
    Closed Accounts Posts: 3 ✭P00p3r


    Anan1 wrote: »
    If I wanted a drivers car I might buy a 325i with a roof, if I wanted a cabriolet I think i'd be looking at a 320i auto.

    I agree but can't afford both ;)

    I'll try figuring something out and if it's all bad might have to settle with 318i/320i convertible. Just have a thing for these cars. Add the hardtop to the convertible and it looks way better than the coupe + adds a bit of rigidity to the chassis.

    Still want the 2.5 more tho. A nice combo of a cruiser and the odd blast at Mondello :)


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  • #7
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    P00p3r wrote: »
    Experience...3 years of junior rally (yeah had that back home :D ) and about 5 years driving on publik roads...plenty. Of that I can only prove one that I'm over here for. Never had a licence back home.

    Britton gave me a hefty quote...will try the others. Thanks :)

    I wouldnt mention the rally driving to an Irish insurance company :p

    So effectively one years experience (full license I presume?), at your age and a car like that youre going to have to expect high quotes Im afraid. Ring around, try every company and broker you can find, but expect to be quoted high.


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