yes; ones driven by more younguns and therefore the crash ratio is higher on the zed than the M3
maybe, but we're not asking about young'uns................ we're asking about me n my Mrs - same people, same risk!
an older car and worth a 1/4 of the M3.................. but its £130 more.........!!! thats my point!
thats not the point, if i am right i think both the vehicle and the driver are weighted. so there is a cost for the vehicle and then discounts applied depending on driver, age, experience etc.
as its all stats based, if more 350z's have been crashed than 2008 M3's the zed is a higher risk car. they take that value and then start discounting for what you bring to the deal. so if you have 5 years NCB and are over 30 you'll get a set discount. same as you would on the M3 but the Zed obviously starts higher before your discounts are applied.
you'll have to blame all the 20 something drivers who think they're senna and then spank the zed into a tree or ditch. been here 4 years now and every winter you can almost watch the tally of people post up saying that they just hit oil on the road and now the car is written off. etc etc etc. if you think the zed is bad try insuring an S2000 its even higher risk, yet has a bit less power still.