Insuring your Zed

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mvslaney
Joined: Sun 02 Nov, 2014 09:24
Posts: 10

  Z3 roadster 2.8

Insuring your Zed

Post by mvslaney » Thu 18 Dec, 2014 08:29

I have spoken to a number of insrance brokers to try and insurance my 1999 Z3 2.8 on a classic car policy but they have said it does not qualify as a classic car on a limited mileage poilicy. Have any of you had a similar problem?

Grant Moss
Joined: Fri 04 Jul, 2014 20:24
Posts: 23

  Z3 roadster 1.9

Re: Insuring your Zed

Post by Grant Moss » Thu 18 Dec, 2014 08:45

I contacted my insurance company when I bought my 1999 Z3 1.9 and they suggested I put it onto the same policy as the car I already had covered with them, so its now called a multi car Policy, the cost was £110 for 12 months to put the Z onto it.

This made sense as I can only drive one of them at a time !!!!!

A very good price in my opinion.

This was with Aviva.

Good Luck in getting a good price.

Grant

TR4man
Joined: Wed 24 Oct, 2012 14:34
Posts: 431

  Z4 coupe 3.0si
Location: Woore, Near Nantwich, Cheshire

Re: Insuring your Zed

Post by TR4man » Thu 18 Dec, 2014 10:35

I can understand that.

As much as we may like our Zeds, to the wider world they are just old, cheap sports cars.

I have used Confused.com over the nearly three years that I've owned my car and been pleased with the premiums offered.

gookah
Z Register member
Joined: Thu 07 Aug, 2008 10:51
Posts: 2722

  Z3 roadster 2.8

Re: Insuring your Zed

Post by gookah » Thu 18 Dec, 2014 10:43

Classic Line view the Z3 as a classic car. Had mine with them for 2 years, but as normal insurance renewals went higher than initial offers. so now with LV
Image

Z3 2.8 Progress Journal (Mine)
Z3 1.9 Sport Progress Journal (Wifey's)

I have an element of 'M-styling' on my car, If that's a good enough reason for the manufacturers to adorn a 320 with the M badge, then its certainly a good enough reason for me..

sapper-b
Joined: Mon 04 Mar, 2013 22:05
Posts: 10

  Z3 roadster 1.8

Re: Insuring your Zed

Post by sapper-b » Thu 18 Dec, 2014 11:29

Mine's insured with 'Wise owl' as a classic

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pingu
Joined: Fri 30 Apr, 2004 17:01
Posts: 3337

  M roadster S50

Re: Insuring your Zed

Post by pingu » Thu 18 Dec, 2014 11:39

My understanding is that any car that fits the insurer's criteria of a classic car will qualify - it has nothing to do with whether they consider the car to be a classic.

Some insist on a mileage limit, must be garaged, must be a member of a recognised car club, etc., but all insurers are different - shop around.

Multicar policies are really advantageous if you are the only driver on each of the policies - for the reason mentioned. If there are two cars with two drivers on each policy for example, the only saving is the usual bulk purchase saving.
Pingu

maurice the martian
Joined: Tue 26 Jan, 2010 19:44
Posts: 1026

  Z4 roadster 3.0i
Location: mars

Re: Insuring your Zed

Post by maurice the martian » Thu 18 Dec, 2014 14:41

Its all in a name mines on a cherished car policy.
M

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Topperz
Joined: Tue 20 Nov, 2012 20:08
Posts: 89

  Z3 roadster 2.0

Re: Insuring your Zed

Post by Topperz » Thu 18 Dec, 2014 21:11

Been with Adrian flux since I bought zebedee,on classic insurance £169.00 fully comp

They did offer me an agreed value policy at renewal this year in October
The only bad thing about owning a Z3 is bedtime .......boing!! time for bed said zebedee

Z3 cosmos black individual 2.0

X1 /MSport XDrive 2.0d mineral white

Lexybhoy
Joined: Mon 17 Nov, 2014 14:49
Posts: 58

  Z3 roadster 2.8
Location: Glasgow

Re: Insuring your Zed

Post by Lexybhoy » Thu 18 Dec, 2014 21:17

Topperz wrote:Been with Adrian flux since I bought zebedee,on classic insurance £169.00 fully comp

They did offer me an agreed value policy at renewal this year in October
Talk about being paranoid ....!!! My Hillman Minx is insured with Adrian Flux, but when I tried to add the Z3 onto it, they said it wasn't a car they were prepared to insure ???

Maybe I should've challenged them on it.
Image

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g8jka
Z Register member
Joined: Sun 18 Apr, 2010 22:16
Posts: 1145

  Z3 roadster 2.8
Location: Telford

Re: Insuring your Zed

Post by g8jka » Thu 18 Dec, 2014 21:22

I'm also with Adrian Flux, although not on a classic car policy.
2000 BMW Z3 2.8 Titanium Silver Roadster with too many mods to list :-D :drive
Image
Click For 2.0 Progress Journal
Click For 2.8 Progress Journal

Bowler
Joined: Sun 27 Oct, 2013 18:43
Posts: 378

  Z3 roadster 1.9
Location: Doncaster

Re: Insuring your Zed

Post by Bowler » Thu 18 Dec, 2014 23:56

Mines with Adrian Flux as a classic along with the other BM, but as with all insurances brokers / companies they try it on every year to increase the premium.
In love with driving again (its the Z effect)

Bi11
Joined: Mon 05 Nov, 2012 21:26
Posts: 150

  M roadster S54
Location: Bedford

Re: Insuring your Zed

Post by Bi11 » Fri 19 Dec, 2014 00:20

I'm with Classic line as well. Must be second car, at least 10 years old, garaged and limited mileage.
Image

911sc
Joined: Sat 29 Jun, 2013 21:07
Posts: 32

  M roadster S54

Re: Insuring your Zed

Post by 911sc » Fri 19 Dec, 2014 07:10

I found several firms who would insure it as a classic but in the end, the best premium came from adding the BMW to my multicar policy with Admiral which currently covers daughter and wife's cars.

beerbelly
Joined: Fri 07 Feb, 2014 20:12
Posts: 177

  blank

Re: Insuring your Zed

Post by beerbelly » Fri 19 Dec, 2014 07:33

the joys of being a garage owner motortrade policy me and the mrs any car up to a value of £20k each. fully comp (currently have 4 cars named on this policy)£650 covers us for motorbikes too 8-)

Bowler
Joined: Sun 27 Oct, 2013 18:43
Posts: 378

  Z3 roadster 1.9
Location: Doncaster

Re: Insuring your Zed

Post by Bowler » Fri 19 Dec, 2014 16:57

beerbelly wrote:the joys of being a garage owner motortrade policy me and the mrs any car up to a value of £20k each. fully comp (currently have 4 cars named on this policy)£650 covers us for motorbikes too 8-)
That sound a good price for Trade Insurance, paid that twenty years ago
In love with driving again (its the Z effect)

roadvoyager1
Joined: Sun 19 Jan, 2014 18:30
Posts: 65

  Z3 roadster 2.8

Re: Insuring your Zed

Post by roadvoyager1 » Sat 20 Dec, 2014 21:18

I am with Classicline as well. Mileage is limited (but you decide what the limit is). Big advantage for me is that most pre-notified track events are covered at no additional cost. This included the Silverstone Classic Parade lap last year which I found was classed as a "track event" and any damage would not be covered by standard insurance. Having checked with several insureres, at any track event each driver insurses there own car, you cannot claim from the other person. Gave me peace of mind anyway.

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