Is it even possibile to get insured on these?

lmpulse

as an 18 year old, would it be possible to get insured on either a bmw 320d or a 520d by any chance? i know the premium would be insane but I'm just asking if i should even think of those vehicles at this age.

TheBigGreen

Ring them...

H3llR4iser

lmpulse wrote: »

...just asking if i should even think of those vehicles at this age.

No.

Besides all the other considerations, as a freshly licensed driver you are bound to make small mistakes and evaluation errors which will result in a scratched door, broken wing mirror, wobbly bumper and the likes. Much better getting a cheap runaround which will be easier to maintain.

After you earned a bit of experience (and NCB), you can get whatever you want.

truedoom

get something cheap, no matter how good a driver you are there's always a dick out there who'll scratch your door, or back into you and dent the car.

Something cheap and cheerful that you won't be worried about, and easy to fix/maintain

biko

You can get insured but tbh with the hassle and cost it would be madness.

MadYaker

You'll have to try loads of different companies. Some won't even give you a quote, all the quotes you do get will be astronomical.

ironclaw

Kinda depends where you are OP and the age of the car. If you are from the countryside and have a policy with the likes of FBD (And the farm is on it as well) you will probably get cover. A good few of my mates had larger farm policy and insurance cover was possible (Expensive mind you and normally as a named driver) If you live in Dublin and depending on the area, forget it.

I'm amazed no one asked, but are you looking to insure a new or older model?

But as said, you would probably be better off in a cheaper car for the moment. The cost of my insurance at the moment on a 1.0L is the exact same as my theoretical insurance on a 123d (2.0L Bi-Turbo) in a years time. Age makes a massive difference, especially as you reach 24 / 25. Also, the sooner you have your own policy (Not named) the better. NCB is the key. 5 years of named is equal to one year of your own NCB.

Marty McFly

H3llR4iser wrote: »

No.

Besides all the other considerations, as a freshly licensed driver you are bound to make small mistakes and evaluation errors which will result in a scratched door, broken wing mirror, wobbly bumper and the likes. Much better getting a cheap runaround which will be easier to maintain.

After you earned a bit of experience (and NCB), you can get whatever you want.

I've never ever bought into this I was told the exact same thing when I bought my first car and never once dinged it and I know plenty of people who never did either.

The general advice seems to always be oh first car ah buy a ball of scrap this is a motoring forum shouldn't we be applauding someone wanting to buy something that isn't a 1.0l Micra for there first car?

OP if you can afford it and can justify the insurance whatever quote they may give you go for it only way to find out is ring.

It can be done this was only a few weeks ago in the post a picture of your car thread.

http://www.boards.ie/vbulletin/showpost.php?p=89262235&postcount=9217

Sobanek

ironclaw wrote: »

Kinda depends where you are OP and the age of the car. If you are from the countryside and have a policy with the likes of FBD (And the farm is on it as well) you will probably get cover. A good few of my mates had larger farm policy and insurance cover was possible (Expensive mind you and normally as a named driver) If you live in Dublin and depending on the area, forget it.

I'm amazed no one asked, but are you looking to insure a new or older model?

But as said, you would probably be better off in a cheaper car for the moment. The cost of my insurance at the moment on a 1.0L is the exact same as my theoretical insurance on a 123d (2.0L Bi-Turbo) in a years time. Age makes a massive difference, especially as you reach 24 / 25. Also, the sooner you have your own policy (Not named) the better. NCB is the key. 5 years of named is equal to one year of your own NCB.

That is so wrong. I was a named driver for 2 years and got 20%. Same as what I would get in a year on my own policy.
Besides, I'm 20, I drive a 2.2 Petrol BMW Coupe with a SPORT package and don't get raped on insurance.

Try FBD, OP. Probably the best for larger engines and young drivers.

PrettyBoy

It is definitely possible to get insured on the cars you mentioned but the premium will be huge. Some companies will offer you cover and if you're willing to pay a considerable amount of money in return then nothing is stopping you.

RustyNut

Its only a matter of cost and/or accepting a large excess. If you can afford it then jasus why wouldn't you.

lmpulse

Marty McFly wrote: »

I've never ever bought into this I was told the exact same thing when I bought my first car and never once dinged it and I know plenty of people who never did either.

The general advice seems to always be oh first car ah buy a ball of scrap this is a motoring forum shouldn't we be applauding someone wanting to buy something that isn't a 1.0l Micra for there first car?

OP if you can afford it and can justify the insurance whatever quote they may give you go for it only way to find out is ring.

It can be done this was only a few weeks ago in the post a picture of your car thread.

http://www.boards.ie/vbulletin/showpost.php?p=89262235&postcount=9217

do you think my chances would be somewhat "better" going with a 3-series rather than a 5-series?

ironclaw

Sobanek wrote: »

That is so wrong. I was a named driver for 2 years and got 20%. Same as what I would get in a year on my own policy.
Besides, I'm 20, I drive a 2.2 Petrol BMW Coupe with a SPORT package and don't get raped on insurance.

Well, what I typed was from FBD themselves. Both on the phone and by calculating quotes online (Do a quick search, do 5 years named and then 1 year of your own. Result should be very similar). Yes you get a discount with named experience but there is a far greater discount for years having a policy in your name. That is at least my experience both with FBD and others. NCB is also far easier to transfer between companies as some companies won't honour named experience to the same extent as your own NCB. For instance, I think Liberty, will only honour up to 5 years named experience and it equates to the discount of having 1 year of your own.

Is the 2.2 in your name or are you named? Makes a difference there as well.

Sobanek

ironclaw wrote: »

Well, what I typed was from FBD themselves. Both on the phone and by calculating quotes online (Do a quick search, do 5 years named and then 1 year of your own. Result should be very similar). Yes you get a discount with named experience but there is a far greater discount for years having a policy in your name. That is at least my experience both with FBD and others. NCB is also far easier to transfer between companies as some companies won't honour named experience to the same extent as your own NCB. For instance, I think Liberty, will only honour up to 5 years named experience and it equates to the discount of having 1 year of your own.

Is the 2.2 in your name or are you named? Makes a difference there as well.

In my name of course.

Moneymaker

Not worth it. Do your time in a Yaris or Clio or whatever and build up your No Claims Bonus.

The Beemers will still be there in 2-3 years.

lmpulse

i would probably do it if i could get a quote in the 3k range, although i don't think i would get one.

Marty McFly

lmpulse wrote: »

i would probably do it if i could get a quote in the 3k range, although i don't think i would get one.

Have you rang and tried yet? It really is the only way to know.

PrettyBoy

lmpulse wrote: »

i would probably do it if i could get a quote in the 3k range, although i don't think i would get one.

Unlikely but make a few calls and see what they say.

lmpulse

Marty McFly wrote: »

Have you rang and tried yet? It really is the only way to know.

i will be ringing them on Tuesday.

toastedpickles

I'm driving a 2.3 saab 9-5 turbo estate, I was 22 when i got it insured last month

liberty insurance, €1500, thank you and good night :pac:

robertxxx

Walk before you can run.

ironclaw

toastedpickles wrote: »

I'm driving a 2.3 saab 9-5 turbo estate, I was 22 when i got it insured last month

liberty insurance, €1500, thank you and good night :pac:

Not Liberty bashing, but I almost went with them this year. It came down between them and FBD. The cover offered by Liberty is low to say the least especially on your person. There was about €200 in the difference but I felt it was better spent on FBD. Liberty is cheap for a reasons so I always strongly urge people to compare like with like, especially on key points like your personal cover. (As a quick example, FBD will give your €1000 towards medical expenses, Liberty will give you €135. They also greatly differ on other key points in the policy)

Like tyres, insurance really isn't something to be saving on in my opinion.

djimi

Sobanek wrote: »

That is so wrong. I was a named driver for 2 years and got 20%. Same as what I would get in a year on my own policy.

It all depends on what the insurer decides to allocate to named driving experience. In reality named driving experience means absolutely nothing; if the policy holder is the primary driver as they are generally speaking supposed to be then the named driver could use the car five times in the year.

There was a time when named driving experience counted for nothing when it came to a NCB. Its only in recent times that insurers seems to have started beign more generous when it comes to named driving experience.

No Pants

Marty McFly wrote: »

The general advice seems to always be oh first car ah buy a ball of scrap this is a motoring forum shouldn't we be applauding someone wanting to buy something that isn't a 1.0l Micra for there first car?

I'd applaud someone in a micra if they got out of my way.

Holsten

Absolute waste of money to do this even if you can get insured.

At 18 I doubt you're making a lot of money, drive something decent but cheap for a few years then move up to something bigger.

An 18 year old in a powerful rear wheel drive car is not the safest thing.

lmpulse

Holsten wrote: »

Absolute waste of money to do this even if you can get insured.

At 18 I doubt you're making a lot of money, drive something decent but cheap for a few years then move up to something bigger.

An 18 year old in a powerful rear wheel drive car is not the safest thing.

i wouldn't have though of choosing those cars if i wasn't financially able to handle it, and in regards to RWD I'm pretty sure i can handle a 2.0l with ease.