Alpina Insurance - Help

ALPINA Costs - Insurance, Depreciation, Oil Usage

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Rav
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Joined: Tue May 05, 2015 12:43 pm
Location: Marlborough

Alpina Insurance - Help

Post by Rav » Fri Jun 28, 2019 10:43 am

Morning all.

I have just had a renewal notice for the insurance on my E46 B3 3.3.

The summary is that the renewal is £725/year with £100 excess. I am not paying that!
I have a clean licence - never had a single point, but had a minor shunt (my fault) late last year. The insurer told me that the government has recently changed the car ratings. The Alpina is now a group U car.

Can anyone help me with this? I note that APlan and Adrian Flux have been recommended.
1999 #032 Alpina B3 3.3 saloon (UK Press Car) - Buchloe Beast
2000 Porsche Boxster S - Viola
2015 Audi A4 Avant Ultra - Wife's car
2002 VW Lupo 1.4 16v - Daughter's car

hap
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Location: Scunthorpe, North Lincs

Re: Alpina Insurance - Help

Post by hap » Fri Jun 28, 2019 3:55 pm

With classic line and have been for years
Still pay 500 odd fc no points no claims

Rav
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Joined: Tue May 05, 2015 12:43 pm
Location: Marlborough

Re: Alpina Insurance - Help

Post by Rav » Fri Jun 28, 2019 5:12 pm

Thanks Hap.

I have always said that the UK car insurance industry is largely unregulated and a mine field. It is deliberately designed not to be understood by the masses.

I called up A-Plan as recommended by this forum. They offered me FC for £510 - but has a £300 excess and only 2k business miles per year. 10k total miles.
I went back to my original broker with this news and they don't understand how the price can be that low. The irony is that both brokers are quoting me for KGM at Lloyds policies.

As per my original point - unregulated and a minefield.
1999 #032 Alpina B3 3.3 saloon (UK Press Car) - Buchloe Beast
2000 Porsche Boxster S - Viola
2015 Audi A4 Avant Ultra - Wife's car
2002 VW Lupo 1.4 16v - Daughter's car

B10BRW
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Posts: 4270
Joined: Wed Mar 16, 2005 1:58 pm
Location: West Sussex

Re: Alpina Insurance - Help

Post by B10BRW » Fri Jun 28, 2019 5:34 pm

The sums you have been quoted are unrealistic Rav, I insured my B3 3.3 Cab with A Plan, insurer KGM in February for £255.

This sum included UK and European breakdown cover.

I do not have any no claims bonus on this policy as the NCBs I have are used for 2 other vehicles.

Agreed value £14k
4000 miles P A.

I do not have business use, but I can not see that that would increase the premium by very much.

Might be worth going back to A plan and quote my figures.

Have you tried LV, just received the renewal for my B10 V8S £234 :D

Rav
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Posts: 822
Joined: Tue May 05, 2015 12:43 pm
Location: Marlborough

Re: Alpina Insurance - Help

Post by Rav » Fri Jun 28, 2019 8:12 pm

Thanks B10BRW - Your prices seem to be what I want! May i ask your age please? I am circa 40 and am sure that this is what is driving the prices up. I live in Marlborough in what i am told is a low crime area.

I have never had points, or convictions and had one small accident last year where i hit a parked car.
1999 #032 Alpina B3 3.3 saloon (UK Press Car) - Buchloe Beast
2000 Porsche Boxster S - Viola
2015 Audi A4 Avant Ultra - Wife's car
2002 VW Lupo 1.4 16v - Daughter's car

B10BRW
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Posts: 4270
Joined: Wed Mar 16, 2005 1:58 pm
Location: West Sussex

Re: Alpina Insurance - Help

Post by B10BRW » Fri Jun 28, 2019 11:50 pm

Rav wrote:
Fri Jun 28, 2019 8:12 pm
Thanks B10BRW - Your prices seem to be what I want! May i ask your age please?
Had my bus pass for a while :D although I have always managed to obtain sensible premiums, even when I was your age :lol:

fe18occ
Posts: 17
Joined: Thu Jun 06, 2019 6:48 pm

Re: Alpina Insurance - Help

Post by fe18occ » Sat Jun 29, 2019 8:38 am

Hi B10BRW,
I would also like to agree that LV are worth a look, when I got my B5 earlier this year I was struggling to get ANY insurer to cover it as it had an LSD, they were all running scared over it - I too have a clean licence and long no claims. I think LV's attitude of accepting anything that was factory fitted as being ok really helped but the premium was reasonable and the cover perfect for my needs - and their threshold for me needing a tracker was just above the price I paid for the car so didn't have to bother with that extra cost either.
I found some of the comparison sites struggled to identify the car too which did not help, even the official BMW insurers took a few goes to be able to find it - some list it within BMW as a model and some have as Alpina being a manufacturer in their own right so that might broaden your search if you try both.
It was a member on here that recommended them to me but it was just before the site was hacked and all of the history of that was lost so I can't even pass the credit for that advice back to the original provider, anyway, I hope that helps :D

Rav
ALPINA
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Posts: 822
Joined: Tue May 05, 2015 12:43 pm
Location: Marlborough

Re: Alpina Insurance - Help

Post by Rav » Sun Jun 30, 2019 8:05 pm

Thanks. I will give LV a call tomorrow.

The problem i found with shopping around is that you need to list your life story to each insurance company/broker again and again. Its a GDPR nightmare!

I will let you know how i get on with LV tomorrow.

R
1999 #032 Alpina B3 3.3 saloon (UK Press Car) - Buchloe Beast
2000 Porsche Boxster S - Viola
2015 Audi A4 Avant Ultra - Wife's car
2002 VW Lupo 1.4 16v - Daughter's car

Norrie
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Location: Horsham West Sussex
Contact:

Re: Alpina Insurance - Help

Post by Norrie » Mon Jul 01, 2019 12:11 am

These sort of discussions can prove to be fairly pointless. I have spoken at length to a Director of an Insurance Company, there are so many factors that make up the quotation, it is virtually impossible to compare like for like. It should be noted that insurance quotes are based on the number of claims being made against an Insurer and their fund. Renewing after bad weather, flood, Ice, Snow when there are many claims can simply increase a premium, even though you have not been personally involved.

The make and model (needs to be fully understood by the Insurer or their agent), age, mileage and declared value, no claims bonus, clean licence or points, occupation, post code, where vehicle is kept, garage, dive, road etc. Alarm system, tracker or equivalent fitted, the list is not exhaustive. Legal protection, voluntary excess, screen excess, modifications (if any). There are many more, but you get my examples.

Trying to say Fred have you tried this or that without all the facts is a lottery.

I have mine with Marker Study, it is 100% insured with a specialist who knows what the car is, has photographs, copies of service details, letter of authenticity from ALPINA. I do have 9 years NCB but pointless stating how much it costs for reasons aforementioned.
E65 B7 4.4 V8 supercharged No 106 (1 of 11 B7 built for UK)
F22 M235i - everyday driver
E 39 523i sold May 2023
E92 325i - written off by X5 I was not driving!
E92 335D Twin Turbo - sold to Sytner Alpina
E 60 - 525D new - sold to Cooper BMW
E 60 - 530D new - sold at auction
E 39 - 520i new - sold at auction
E 30 - 316i new Touring - sold at auction
Audi A6 2.5 Tdi had 2
Audi Coupe GT 1986 new
Mitsubishi Gallant & Sigma
Honda accord 2.2 coupe
Ford Escort 1.6 worst car in the world

Rav
ALPINA
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Posts: 822
Joined: Tue May 05, 2015 12:43 pm
Location: Marlborough

Re: Alpina Insurance - Help

Post by Rav » Mon Jul 01, 2019 10:26 am

Fari point Norrie - but this is exaclty the reason i say that the insurance industry is not regulated. Its been made so complex that you cannot align with someone else and hence cannot compare.

I just called LV who after lots of head scratching have told me that they dont cover the E46 Alpina B3.

Great!
1999 #032 Alpina B3 3.3 saloon (UK Press Car) - Buchloe Beast
2000 Porsche Boxster S - Viola
2015 Audi A4 Avant Ultra - Wife's car
2002 VW Lupo 1.4 16v - Daughter's car

Norrie
ALPINA
ALPINA
Posts: 1714
Joined: Wed Oct 31, 2012 10:35 pm
Location: Horsham West Sussex
Contact:

Re: Alpina Insurance - Help

Post by Norrie » Mon Jul 01, 2019 11:48 am

Agreed - call A Plan 01635 874646 speak to Carlie Norwell or Matthew Minchin - cherished vehicle specialist. I deal with them and the Director is Henry Francis who supports BMW and ALPINA in their business.
E65 B7 4.4 V8 supercharged No 106 (1 of 11 B7 built for UK)
F22 M235i - everyday driver
E 39 523i sold May 2023
E92 325i - written off by X5 I was not driving!
E92 335D Twin Turbo - sold to Sytner Alpina
E 60 - 525D new - sold to Cooper BMW
E 60 - 530D new - sold at auction
E 39 - 520i new - sold at auction
E 30 - 316i new Touring - sold at auction
Audi A6 2.5 Tdi had 2
Audi Coupe GT 1986 new
Mitsubishi Gallant & Sigma
Honda accord 2.2 coupe
Ford Escort 1.6 worst car in the world

fe18occ
Posts: 17
Joined: Thu Jun 06, 2019 6:48 pm

Re: Alpina Insurance - Help

Post by fe18occ » Mon Jul 01, 2019 12:23 pm

Rav wrote:
Mon Jul 01, 2019 10:26 am

I just called LV who after lots of head scratching have told me that they dont cover the E46 Alpina B3.

Great!
Yeah - they said the same to me for the B5 - but when I made them search the other way around (BMW first then Alpina) they found mine - can't promise it'll be the same for you as per norrie's comments, or even that they will be able to find it but it was worth the extra effort for me as they were cheaper by miles compare to the few people that would even quote the car (I'd had a quote from A Plan already)...

Norrie
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ALPINA
Posts: 1714
Joined: Wed Oct 31, 2012 10:35 pm
Location: Horsham West Sussex
Contact:

Re: Alpina Insurance - Help

Post by Norrie » Mon Jul 01, 2019 10:08 pm

In respect of the last post. I accept that you had a "better" quote. However, not specifically ALPINA related but insurance related. My Son's partner chose the cheapest quote on line with Hastings direct for her Mini. She had an accident after skidding on a newly resurfaced road. The recovery man ripped of the front spoiler and put it on the recovery truck. Next day she calls the insurance and is told based on the details she has given the car is a write off? I take her to the recovery location and the spoiler has gone "missing". We empty the car and find our own garage for the car to be taken to, however she has to take photographs and upload them at the same time into the insurers portal. That presupposes everyone has a mobile phone with photo capability and the internet access. Yes, I know most do. Then an advisor tells her it is still a write off. The car starts, drives, no leaks, oil, water, coolant and apart from a small dent and missing bumper it appear comparatively small damage. They offer her the lowest of three guides for price, less her excess and unpaid premiums. She rejects the offer and only then can it go to an engineer to inspect. We shall see. My point is the cheapest does not appear to be the best?
E65 B7 4.4 V8 supercharged No 106 (1 of 11 B7 built for UK)
F22 M235i - everyday driver
E 39 523i sold May 2023
E92 325i - written off by X5 I was not driving!
E92 335D Twin Turbo - sold to Sytner Alpina
E 60 - 525D new - sold to Cooper BMW
E 60 - 530D new - sold at auction
E 39 - 520i new - sold at auction
E 30 - 316i new Touring - sold at auction
Audi A6 2.5 Tdi had 2
Audi Coupe GT 1986 new
Mitsubishi Gallant & Sigma
Honda accord 2.2 coupe
Ford Escort 1.6 worst car in the world

hap
ALPINA
ALPINA
Posts: 5129
Joined: Mon Feb 06, 2006 11:22 am
Location: Scunthorpe, North Lincs

Re: Alpina Insurance - Help

Post by hap » Mon Jul 01, 2019 10:31 pm

I done the shopping around and thought I am spending too much against no accidents points claims
As Norman says you think on paper it will be less but never Is
I know that if anything happens to mine I’ll get it sorted I can take it sytner or any garage I want yes it’s annoying each year it goes up but it’s that assurance I am sure I could get it less but I wouldn’t have the above protection

Henry
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Location: Bournemouth

Re: Alpina Insurance - Help

Post by Henry » Sun Sep 22, 2019 7:02 pm

I have just joined the Alpina register and reading this made my eyes water, some of the prices quoted are way beyond what I’d be prepared to pay. Having just acquired a 1999 b3 needing lots of work. It would be a hobby car doing less than 2000 miles a year. I went on the comparison sites to get insurance for my wife with me as second driver and was quoted £148 by BeWise. That I can live with :D We are both in our 60s
B3 1999 (090)
E30 M3 1990
X5 4.6is
VW Mk4 R32

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