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BMW 318i

Discussion in 'Motors' started by Luke15, 11 Apr 2006.

  1. Luke15

    Hitman

    Joined: 9 May 2005

    Posts: 817

    Location: South East

    Well, my grandad is getting too old to drive, and he has given me his BMW 318i. Its 1991 on a H reg. Its the one from 1991 to 1998.

    I really want to drive this, but i need to get insured on it. Im 17, will there be any chance of getting insured for a reasonable amount?
     
  2. Stellios

    Capodecina

    Joined: 27 Aug 2004

    Posts: 17,023

    Location: Geordieland

    Youll get stung mate, and unfortunately theirs no real way of avoiding it unless your get your parents to insure themselves and put you as a named driver, but then agan if you crash doing that could cause hell.
     
  3. Mackass

    Wise Guy

    Joined: 22 Jan 2005

    Posts: 1,196

    Location: West London

    I think it will be insurance group 11 or 12.

    With pass plus, you may be looking in the region of atleast £2000.
     
  4. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,150

    Sell it and buy something else. Should get about a grand for it.
     
  5. Lashout_UK

    Capodecina

    Joined: 2 Mar 2004

    Posts: 11,842

    Location: SE England

    Aye, I vote with the rest here - it's not particuarly interesting enough to fork out for and you'll get picked on for insurance as it's BMW and parts & repairs will be deemed expensive, hiking your insurance.
     
  6. Morba

    Caporegime

    Joined: 7 Mar 2003

    Posts: 28,189

    Location: Krispy Kreme drive thru

    agree with fox tbh, not just because of the car, but the added insurance of driving a BMW at your age.

    could have something better for you and cheaper :]
     
  7. andi

    Capodecina

    Joined: 18 Oct 2002

    Posts: 12,712

    Location: Manchester

    Try getting a quote for it, you never know. Big cars are generally cheaper to insure.
     
  8. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,150

    I really wish I knew where this myth came from.

    Big cars > small cars but insuring a big car generally > insuring a smaller car.
     
  9. andi

    Capodecina

    Joined: 18 Oct 2002

    Posts: 12,712

    Location: Manchester

    Its no myth for me, I can insured on larger cars up to group 13, but anything above about 5 or 6 is either stupid money, or no quote.
     
  10. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,150

    So you are telling me you'd have no trouble at all insuring a 2.0 16v Mondeo, but nobody will quote you for a Fiesta 1.25 Zetec?

    Right, ok.
     
  11. andi

    Capodecina

    Joined: 18 Oct 2002

    Posts: 12,712

    Location: Manchester

    No I'm not.

    Maybe the numbers where a little out, being made up on the spot (as 27.7% of all statistics are) but the point stands, I can get insured on bigger cars of higher insurance groups, where the same company won't touch me on a car of similar group.
     
    Last edited: 12 Apr 2006
  12. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,150

    The Ford Fiesta Zetec is Group 6.

    Generally, smaller cars are cheaper to insure than bigger cars. This is both logical, and fact. There, as ever, a few exceptions to this - some cars like the Saxo VTS etc are quite pricey to insure, but generally, the smaller the car, the cheaper the insurance.
     
  13. benneh

    Sgarrista

    Joined: 9 Apr 2004

    Posts: 9,170

    Location: Nr. brumijum

    At 18 i got insured on a '96 318i for about 1200 quid.

    If i were you i would ignore the bad advice, keep the 318, maybe look at some decent wheels and lower it a tad, and evoila, you have a lovely car that will give you a great deal more fun than any mondeo (barring maybe the st220, which inevitably will always be FWD). Have fun and learn to drive properly i say.
     
  14. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,150

    No, you will have a 15 year old bottom of the range BMW with black plastic bumpers, windup windows, hard plastic seat backs and some 'decent wheels'.

    To be fair, a 15 year old bottom of the range Ford Sierra would be naff as well, and in 5 years time, so will a 15 year old bottom of the range Mk2 Mondeo.

    And although this is of no concern to a new driver, for a car attracting a Group 12 insurance premium, 11 seconds to 60 is also 'dog slow'.

    I'm sorry but BMW on a budget is just a bad idea. You'll get something ancient and rubbish. If you want a BMW, you need to either...

    a) Go for a true classic, like rare. The E30 he has, although I dislike the E30 personally, is a nice car. Well kept, decent, classic BMW.
    b) Get a big budget, and buy a proper one.

    In a few years time, maybe the E36 328's might reach the same sort of status as the nicer E30's now, but for the time being the E36, especially the 316/318 variants, is simply a *****-prestige-banger (Late 328 Coupe and M3 excluded).
     
    Last edited: 12 Apr 2006
  15. Mystique

    Gangster

    Joined: 21 Nov 2003

    Posts: 269

    Location: London

    I've always thought 'naff' to be a synonym with 'ford'. ;)
     
  16. Morba

    Caporegime

    Joined: 7 Mar 2003

    Posts: 28,189

    Location: Krispy Kreme drive thru

    Pay more for insurance than the car is worth! horrible idea. Unless you driving a banger for under £500 then i would hate what you are suggesting.
    adding wheels and dropping it will increase the insurance further.

    Very young
    BMW RWD
    Alloys
    Lowered

    What would an insurer think? Oh hes a nice responsible chap in the perfect age bracket to offer him some discount...... No. Lets bend him over and ask for silly money as hes in the wrong bracket in a BMW who is modding his car.

    Wheels + tyres + lowering would be near on £700, almost as much as the car is worth!
     
  17. penski

    PermaBanned

    Joined: 9 May 2005

    Posts: 20,834

    Location: NE8

    ... :/

    Scrappy visit + wheels off a 'nicer' bimmer + angle grinder = wheels, tyres, lowered for £100.

    *n
     
  18. Morba

    Caporegime

    Joined: 7 Mar 2003

    Posts: 28,189

    Location: Krispy Kreme drive thru

    wheels off a nicer beemer from a scrappy without being cheap?
    youd be lucky.

    chopping springs is great for safety for a new driver in a rwd car.
     
  19. burns

    Mobster

    Joined: 1 Nov 2002

    Posts: 3,709

    I thought that was the point. Lowering springs would only be £100 or so any way.
     
  20. Morba

    Caporegime

    Joined: 7 Mar 2003

    Posts: 28,189

    Location: Krispy Kreme drive thru

    Oops, meant without being costly.

    Your looking at £200+ for a set of M3 alloys, if they need tyres then thats another £350. Lower springs say £100. Add fitting / balancing etc and suddenly your paying £600+.
    Add the mods to insurance and see what happens.

    Always worth getting a quote tho.