adrian flux

recently sold my scooby because of personal matters and the fact i couldnt drive it due the plate in my shoulder
so i bought an auto bmw e46 328 adrian flux wanted £400 more off me to insure it is this right? or are they in dream world?

and before anyone asks the valuation figures were the same 3k milage the same, place where cars kept the same only difference in the policies was the car