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Andrew

Insurance costs on your BMW

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This is another survey type deal - I'm interested in the following things (just fill out same way as me).

I am only interested in daily driven private use vehicles that are BMWs. (So I don't want any specialised policies such as race cars etc)

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Age:

Location:

Car Year/Model:

Insured value:

Driving Record:

Insurance company:

Insurance type (3rd party or full):

Additional features of insurance (road side rescue, windscreen):

Yearly premium (inc GST):

Excess:

Comments on customer service:

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I'll start

Age: 22

Location: Auckland, North Shore

Car Year/Model: 1996 323i

Insured value: $10500

Driving Record: Clean with 3 speeding tickets in last 2 years around 115 kph. Full license 3 years.

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Road Side Rescue, Windscreen

Yearly premium (inc GST): $886

Excess: $300

Comments on customer service: Pretty good this time, have had bad experiences in the past though.

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Age: 19

Location: The Dirty Dirty (South Auckland)

Car Year/Model: 1984 320i (Modded)

Insured value: 16,000

Driving Record: Lost licence for 3 months (demerits) Over 4k fines, No 'convictions' Full licence 2 years

Insurance company: NAC

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Windscreen 150 excess Road side rescue

Yearly premium (inc GST): 1658.00 INC

Excess: 1500 F&T, 1000 crash

Comments on customer service: Alright, changed their system and f**ked up my payments and their assessors are pricks but otherwise good.

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Age: 41

Location: Wellington

Car Year/Model: 2000 e46 328i

Insured value: 48000

Driving Record: clean

Insurance company: Through BNZ ( bulk deal wioth houses and contents )

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): glass, No Under 25's

Yearly premium (inc GST): $388.00

Excess: $300.00

Comments on customer service: No problems, but have not had to claim

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Age: 20

Location: Chch/Welly

Car Year/Model: 87 318i (modded and turbo'd)

Insured value: $5000

Driving Record: clean, full license for 3 years

Insurance company: AMI

Insurance type (3rd party or full): 3rd party, F & T

Additional features of insurance (road side rescue, windscreen): Free glass cover with no excess

Yearly premium (inc GST): $160 (50% NCB)

Excess: $1000

Comments on customer service: No complaints here

Edited by Mike

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Age: 36

Location: Wellington

Car Year/Model: 1996 e38 740i

Insured value: 25000

Driving Record: 19 years full licence, one speeding ticket 111kph three years ago

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): windscreen inclusive

Yearly premium (inc GST): 455

Excess: 300

Comments on customer service: None of their CSR's appear to speak English very well and its meant that when making changes to my policies has been difficult and time consuming.

We had someone hit the Scooby a couple of months ago and they sorted it pretty quickly but the people they insisted we use I wouldnt use myself. Im not entirely happy with the results. Recent 'rollover' quote was more than their website offered !

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Age: 36

Location: Wellington

Car Year/Model: 1990 e30 325i

Insured value: 5000

Driving Record: 19 years full licence, one speeding ticket 111kph three years ago

Insurance company: State

Insurance type (3rd party or full): TPFT

Additional features of insurance (road side rescue, windscreen): none

Yearly premium (inc GST): 130

Excess: 300

Comments on customer service: As above.

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Age: 18

Location: auckland dirty dirty

Car Year/Model: 1995 328i

Insured value: 12,000

Driving Record:1 ticket, after hours on restricted, ful lisence for 2 months

Insurance company:lloyds of london

Insurance type (3rd party or full):full

Additional features of insurance (road side rescue, windscreen):no glass excess

Yearly premium (inc GST):$649

Excess:$1100

Comments on customer service:done through a broker so dont realy know

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Age: 26

Location: Wellington

Car Year/Model: 1990 BMW 320i

Insured value: $7,500

Driving Record: Full license for 9 years, clean

Insurance company: State

Insurance type (3rd party or full): Full, no under 25 drivers

Additional features of insurance (road side rescue, windscreen): Windscreen

Yearly premium (inc GST): $495

Excess: $300, $500 on thefts as I have stated I have mag wheels, oonst oonst and exhaust

Comments on customer service: Girl said her boss said OK to insuring me, as I am a computer geek apparently. lol.

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Age: 29

Location: Auckland

Car Year/Model: '01 e46 330i

Insured value: $40,000 (must change that)

Driving Record: clean, two speeding tickets

Insurance company: AMI

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): windscreen

Yearly premium (inc GST): $1600

Excess: $1000

Comments on customer service: Good, easy to deal with..

I'm thinking with everyone here .. we could get some sort of group / 'club' discount with someone reputible ? :)

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Guest Denny Crane

[copy and paste this]

Age: 22

Location: Remuera

Car Year/Model: 1990 325iS

Insured value: 15K

Driving Record: 70 in a 50 up in orewa at 1am(!)

Insurance company: AMI

Insurance type (3rd party or full): FULL

Additional features of insurance (road side rescue, windscreen): windscreen

Yearly premium (inc GST): 1200

Excess: 1000

Comments on customer service: NAC were sh*t, my original insurance for the same car was 1800 - ripoff and no good. AMI however, have been excellent.

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Age: 23

Location: wellington

Car Year/Model: 1994 E36 318is

Insured value: $8991.00

Driving Record: pretty bad.... 7k fines paying off and a few drink driving / disqaulified driving charges, havent had a fine in 2 years now thoe.

Insurance company: pioneer (only one that would insure me due to my record^^)

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): windscreen

Yearly premium (inc GST): $1100

Excess: $600

Comments on customer service: havent had to deal with them yet, but have heard there hard to get money out of.

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Age: 27

Location: Henderson

Car Year/Model: 1996 E36 323i

Insured value: 18,000

Driving Record: clean, full licence for 12 years - speeding tickets

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): SIRR, Breakage

Yearly premium (inc GST): $770

Excess: $300

Comments on customer service: .. I am X - never called before, but if anyone has any problems with X or Y, let me know and I will sack em!

Age: 27

Location: Henderson

Car Year/Model: 1996 E36 M3

Insured value: 29,000

Driving Record: as above

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): SIRR, Breakage

Yearly premium (inc GST): $840

Excess: $300

Comments on customer service: as above

Edited by entscheidend

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Age: 28

Location: Wellington

Car Year/Model: 1990 E30 320i

Insured value: 5500

Driving Record: clean

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): RSR, glass, No Under 25's

Yearly premium (inc GST): $450.00

Excess: $250.00

Comments on customer service: No problems, last car was hit and they admitted liability but state looked after everything from go to woe

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RE entscheidend - on State customer service. They gave me SUCH a hard time insuring a 318i 1984 for 3 k at the beginning of this year i've been so pissed at them. Why on EARTH do they then turn around and insure me on a higher risk car for half the price. God knows. Everytime i speak to them it sounds like an overseas call centre and none speak english well enough.

AMI refused me on insurance as I "had to many cars in the past 6 months" - now thats retarded.

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RE entscheidend - on State customer service. They gave me SUCH a hard time insuring a 318i 1984 for 3 k at the beginning of this year i've been so pissed at them. Why on EARTH do they then turn around and insure me on a higher risk car for half the price. God knows. Everytime i speak to them it sounds like an overseas call centre and none speak english well enough.

AMI refused me on insurance as I "had to many cars in the past 6 months" - now thats retarded.

Haha ... no one speaks english, your right! About 60% of the staff in our Auckland call centre are indian! We dont have kiwis to choose from anymore because the job market in Auckland for call centres is tight, so thats why it seems you are speaking to someone in Bombay...

Hard time on insuring your 318? are you wanting to increase the value it is insured for? or are your excesses ridiculous?

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Age: 24

Location: Akd

Car Year/Model: 1984 528i with M bits

Insured value: $10000

Driving Record: So far perfect *cross fingers*

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Windscreen

Yearly premium (inc GST): uhhhhm about $500.00?

Excess: $500.00

Comments on customer service:

I deal with a guy called Mark who works out the palmy branch, he's awesome, was the only guy who'd insure my EVO5 without a ridiculous premium (I only paid $800.00 a year), helped that I've been with State since I was 16 though.

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Age: 20

Location: hawkesbay

Car Year/Model: 86 e28 m535

Insured value: 6g

Driving Record: clean

Insurance company:ami

Insurance type (3rd party or full):full

Additional features of insurance (road side rescue, windscreen): windscreen

Yearly premium (inc GST):900

Excess: 1250

Comments on customer service: F***N Bulls**t, car was stolen a few weeks ago, and recovered, but had 2 and a half worth of my sh*t stolen from inside and another 1300 of damage to it and insurence dont want to no me! dont no y i bother

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Age: 19

Location: North Shore

Car Year/Model: 1994 E36 M3

Insured value: $21,000

Driving Record: 1 Speeding Ticket

Insurance company:Wrightson

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Windscreen, not sure about roadside.. Just use AA

Yearly premium (inc GST): $500

Excess: $700

Comments on customer service: Go the farm insurance!

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Age: 27

Location: Hamilton

Car Year/Model: 96 E36 328i

Insured value: $16000

Driving Record:3 tickets, otherwise clean

Insurance company: Medical Assurance Society (House, contents, life and wife's car)

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Windscreen and windscreen repairs (unlimited) + 1 windscreen replacement a year.

Yearly premium (inc GST): $450 (I think I have to check)

Excess: $250

Comments on customer service: No problems. Easy to deal with.

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Age: Twenty- one

Location: Waterloo, Lower Hutt

Car Year/Model: 1990 BMW 318i four door saloon manual

Insured value: $4500

Driving Record: Spotless, five years no claims bonus.

Insurance company: ASB Bank

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Windscreen

Yearly premium (inc GST): $500ish, I keep poor records. It should be lower for people not afflicted by the disease of being common, however such protests have proved futile.

Excess: $750

Comments on customer service: Very occasionally lacklustre, but always prompt and responsive upon tongue lashing. Overall, quite good. Though I hate the term 'Customer Service Representative', and have insisted that they change it to 'phone-bitch', to no avail.

Edited by ThreeOneEight

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Age: 33 & 36

Location: Glendowie

Car Year/Model: 1995 540iS Ltd

Insured value: $20,000 agreed

Driving Record: normally 1 speeding ticket for both of us

Insurance company: AA Insurance

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Windscreen

Yearly premium (inc GST): less than $800

Excess: $500

Comments on customer service: Had no problems. McMillans did all my claims for me.

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Age: 36 & 37

Location: Welly

Car Year/Model: 1996/ Compact

Insured value: $7400

Driving Record: clean & 1 speeding ticket at 61kph

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): w/s

Yearly premium (inc GST): 331

Excess: 300

Comments on customer service: luckily the team I lead at work consists of a few people of middle asian descent. So I do understand the accent.

Age: 36 & 37

Location: Welly

Car Year/Model: 1998/ 528

Insured value: $21000 (yeah right)

Driving Record: clean & 1 speeding ticket at 61kph

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): w/s

Yearly premium (inc GST): 450

Excess: 300

Comments on customer service: as above

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Age: 22

Location: Botany Downs, garaged and alarmed with immobiliser

Car Year/Model: 1987 M325i manual

Insured value: $12700

Driving Record: Clean, one speeding ticket doing 113km/hr (I dont think they know that though??) Full Licence

Insurance company: State

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Roadside Rescue, Windscreen coverage.

Yearly premium (inc GST): $552

Excess: I think it is $700

Comments on customer service: Excellent, always been great to me, very helpfull and happy, never had to wait long on the phone.

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Age: 18

Location: Kerikeri

Car Year/Model: 1987 M325i

Insured value: $12,000

Driving Record: Cleanish

Insurance company: SIS

Insurance type (3rd party or full): Full

Additional features of insurance (road side rescue, windscreen): Glass cover.

Yearly premium (inc GST): $575

Excess: $750

Comments on customer service: Helpfull, efficient. Most of them speak the English language too, which helps.

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Age: 19

Location: lower hutt, wellington

Car Year/Model: 1992 e36 320i

Insured value: car 5000 acesories 2000

Driving Record: one speeding ticket in last year 121kms. otherwise clean full for 17 months

Insurance company: towes insurance

Insurance type (3rd party or full):full

Additional features of insurance (road side rescue, windscreen): windows, roadside, and other drivers under 25

Yearly premium (inc GST):965.16

Excess:car 800+ 30% full claim cost of acesories

Comments on customer service: pretty good. i reccomend these guys, they were the only company that would insure me that wasnt a completly stupid price, and they were sweet to insure me when i had my restricted.

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Age: 26

Location: Pakuranga, Auckland

Car Year/Model: 1998 e36 323i

Insured value: 18000

Driving Record: clean, 2 speeding tickets @ 70 points total

Insurance company: AA

Insurance type (3rd party or full): Full (incl house + 2 other cars)

Additional features of insurance (road side rescue, windscreen): Windscreen no excess

Yearly premium (inc GST): 980.00

Excess: $600

Comments on customer service: Great. After hours takes some time to answer their phones but all enquiries has been dealt with quickly. Payout was quick too.

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