Argument with friend, would 21 year old get insured for X5?

arleitiss

Hey, so today I got into a big argument with my friend about BMW X5.
He says you can get any car insured at any age while I heard that there are some restrictions for insuring such big vehicles? I mean I heard somewhere that up to 24 year sold your insurance is very high and you can get like 1.6L maximum am I wrong? was I mis-informed?

so we are checking is it realistic to be insured for BMW X5 as 20-21 year old? Or would insurance companies tell us so pretty much piss off?

jaffa20

With XSdirect it's possible.

marshmallowx

He will get a quote, he just might want to sit down when he hears it!!

Rayne Wooney

You can get insured on anything if you have enough money.

Tropheus

Legally, an insurance company has to quote you so any age can get insured on any car. It depends on how much you're prepared to pay.

Eoin

You were misinformed. I know 19 year olds who got insured on 3.2 litre M3s.

so we are checking is it realistic to be insured for BMW X5 as 20-21 year old? Or would insurance companies tell us so pretty much piss off?

They might quote you, but it might not be cheap. Did none of online quote sites give you a quote?

There must be more fun cars for a young fella to pay through the nose for, though?

arleitiss

oh, guess I was badly mis-informed then, because I heard before of the cases where insurance companies refuse people who are under 24 cars above 1.6l

arleitiss

Eoin wrote: »

You were misinformed. I know 19 year olds who got insured on 3.2 litre M3s.



They might quote you, but it might not be cheap. Did none of online quote sites give you a quote?

There must be more fun cars for a young fella to pay through the nose for, though?

It was just a car we saw on 1 parking lot, it was this X5, some badass dude sitting in who looked like around 22, he had huge like guard dog on his back seat and tinted windows, so we started thinking is it his car or is he even insured or not, that's where we progressed into argument

Eoin

arleitiss wrote: »

oh, guess I was badly mis-informed then, because I heard before of the cases where insurance companies refuse people who are under 24 cars above 1.6l

They might not want your business, but that's not a legal restriction they're applying.

arleitiss wrote: »

It was just a car we saw on 1 parking lot, it was this X5, some badass dude sitting in who looked like around 22, he had huge like guard dog on his back seat and tinted windows, so we started thinking is it his car or is he even insured or not, that's where we progressed into argument

Ah, got you. Yep, he could be insured in his own name, or he could just be playing hard man in mummy's car on which he's a named driver!

Jimbob 83

Lol sounds like a drug dealer to me

arleitiss

Eoin wrote: »

They might not want your business, but that's not a legal restriction they're applying.




Ah, got you. Yep, he could be insured in his own name, or he could just be playing hard man in mummy's car on which he's a named driver!

btw mentioning dog and windows because it really looked bit dodgy, and quite outstanding from other cars, even were bit scared to look at him

but yeah thanks for replies guess I was misinformed indeed.

arleitiss

Jimbob 83 wrote: »

Lol sounds like a drug dealer to me

We thought of that too, but surely I can't be going online putting rumors about some X5 with dog and tinted windows saying hes a drug dealer never know maybe guy was taking dog for a walk on beach at night time

Bpmull

I know this Is a van not a car. But last year only 17 on a provisional licence I got insured on a lwb high roof Renault master van ha. Well over 7 metres long 2.5 litre and the insurance company could not care less. So you really can get insured in anything if you are willing to pay enough.

CoDy1

arleitiss wrote: »

oh, guess I was badly mis-informed then, because I heard before of the cases where insurance companies refuse people who are under 24 cars above 1.6l

Thats Aviva, and they are well within their rights, unless you do their ignition course. There are plenty of other Ins co's who will quote but it could be ridiculous but if you don't fit in to an insurance co's current criteria, they don't have to quote.

Pedro K

arleitiss wrote: »

oh, guess I was badly mis-informed then, because I heard before of the cases where insurance companies refuse people who are under 24 cars above 1.6l

If you have a number of written refusals (3 maybe?) from insurance companies then the next one you go to has to give you a quote, regardless of driver age or type of car.