General Insurance - 435D A Plan disappointing quote

Print Page | Close Window

435D A Plan disappointing quote

Printed From: BMW Car Club Forum
Category: Car Insurance
Forum Name: General Insurance
Forum Description: General Insurance discussion
URL: https://www.bmwccgbforum.co.uk/forum_posts.asp?TID=16425
Printed Date: 27 Mar 2026 at 1:48am
Software Version: Web Wiz Forums 12.03 - http://www.webwizforums.com

Topic: 435D A Plan disappointing quote

Posted By: Norrie
Subject: 435D A Plan disappointing quote
Date Posted: 10 Jan 2023 at 11:57pm

I have been insured on a 520bhp 4.4 V8 Alpina for 12 years via A Plan and for 8 on an E39 523i. Very happy with the premium and service.

Due to a change in a family members circumstances I am likely to acquire a 435D with 70K on the clock.

It would be kept at the same location as the other 2 vehicles, we have a 8ft high perimeter wall, CCTV and electric coded gated entry. The vehicles which are not garaged cannot be seen from the road.

I even have an agreed value on the Alpina, so was very surprised when the proposed premium for the 435D came in significantly higher than the other Two cars.

There was a polite explanation, but I am not convinced. Yet to try others as the process is painful.

Replies:

Posted By: rpennington
Date Posted: 11 Jan 2023 at 8:17am

Hi norrie

Happy new year & hope your well.

I stopped using a-plan when i changed the e90 325d to the 335d. Although there was a bit more to pay on the premium that they quoted at the time due to insurance period,but when i had the renewal quote through for the full year afterwards it was extortionate to what i thought it would be. I now use comparison web sites for cheapest & have changed each year & only pay about half to a-plans quote. Maybe I’ll try them again at some point but i am trying to cut costs now where ever possible on everything like most of us.

Regards rich

-------------
1999 E46 323i se Saloon - sold
2011 E90 325d msport - sold
2014 F30 335d xdrive msport plus pack - sold
2018 f36 420d msport gran coupe xdrive - written off
2020 f44 m235i gran coupe xdrive

Posted By: Norrie
Date Posted: 11 Jan 2023 at 9:52am

Yes, I feel as I am lumped into a one fits all category with this car. You would think that an insurer who covers at car with a top speed of 190 mph which has 12 years no claims on it would realise that a less powerful car would be driven with the same consideration by the same driver. Perhaps they are more desirable to thieves or something. Perhaps I am missing the point?

Posted By: Paul Rice
Date Posted: 11 Jan 2023 at 11:31am

Looks like my experience with A plan wasn't unique

Spent a good 40 minutes been passed from piller to post

Gave them a try as they supposedly support the car club

original quote on my 320GT £120 more than my renewal with the AA finally got to within £20 of my renewal but with some in my opinion un comfortable clawses and restrictions

The person i finally dealt with couldn't understand my dissapointment of wasting 40 minutes of my time and why i wouldnt pay £20 more for an inferior product.

-------------
Paul 2003 Z4 2.5 Sterling grey
2024 218 Grand Coupe Misano Blue
In love with driving again

Posted By: Norrie
Date Posted: 12 Jan 2023 at 10:24am

Yes, Paul. I am not bashing A Plan as have had decent business with them for 12 years but there were frustrating elements, for example "parked on the drive way", I explained to the guy we live in a gated estate a former girls school, it has a high wall all around it, CCTV, coded gated entry, you cannot see my garage or anything parked in front of it from any public area or the road. This was dismissed as "on the drive". Likewise I wasted a lot of time. I was also surprised that they asked people their marital status, after some drilling of the guy I was told "the insurer checks the electoral register", it appear basically to see if the applicant is telling the truth. I wonder what might happen if someone replied " I identify as". All very confusing.

Posted By: Paul Rice
Date Posted: 12 Jan 2023 at 6:47pm

Its a weird world Insurence i renewed with the AA but when i asked to reduce the annual milage from 10k to 8k the renewal went up, work that one out?

-------------
Paul 2003 Z4 2.5 Sterling grey
2024 218 Grand Coupe Misano Blue
In love with driving again

Posted By: AndrewE
Date Posted: 17 Jan 2023 at 8:57am

I've used Footman James for 7 years - super easy to deal with and very competitive. Underwritten by Ageas.

Posted By: Norrie
Date Posted: 21 Jun 2023 at 11:04pm

Pleased to say A Plan now do recognise gated premises and cctv etc