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A warning about Adrian Flux #1644195
08/09/2020 14:16
08/09/2020 14:16
Joined: Jun 2009
Posts: 91
Fleet, Hampshire
W
williamsdad Offline OP
Reaping the fruits
williamsdad  Offline OP
Reaping the fruits
W

Joined: Jun 2009
Posts: 91
Fleet, Hampshire
I decided to shop about this year for my insurance. I was with Hagerty last year but this year Adrian Flux gave a better quote which I bought. I asked for a quote for an Agreed Value policy and made it clear that I wanted an Agreed Value where I wasnt going to have to get involved with having valuations done or uploading photos etc. I was then given a price .. I was then told that you have to 'apply for the agreed value' after taking out the policy and that its £15 extra. I said this was a bit snide and got them to take the £15 off the price. I then duly paid in full for the policy. Later in the day I was sent a link to an online portal where I could manage my policy. In there I found a link to 'apply for the agreed value'. It was a bunch of forms with questions like 'how would you rate your bodywork?' and an upload area for me to submit a bunch of photos. I took one look at it and thought 'you know what - I wasn't told about this and hagerty didnt ask me all these questions and i dont have time to get the photos sorted out so ill just go with them instead'. So I renewed with Hagerty. I then contacted Adrian Flux to request cancellation of the policy under their '14 day cooling off period' .... here's the rub ... under the terms of their 14 day cooling off period you get charged a 'nominal fee' ... one by them and one by the insurance company they got you the policy with. So my money is being refunded, minus £58.

Last edited by williamsdad; 08/09/2020 14:25.

2000 20VT Plus in Electric Blue
[imgpop]http://www.cjs.me.uk/coupe/my-coupe.jpg[/imgpop]
Re: A warning about Adrian Flux [Re: williamsdad] #1644197
08/09/2020 15:33
08/09/2020 15:33
Joined: Mar 2007
Posts: 11,796
Auld Reekie
Edinburgh Offline
Club President
Edinburgh  Offline
Club President
I AM a Coop

Joined: Mar 2007
Posts: 11,796
Auld Reekie
Shocking advertising for them - to think many years ago I used them.

I could be wrong, but isn't that a flagrant disregard of what the "cooling-off" period is?

Might be worth a thunderous letter to their Head Office saying that this behaviour is going to explode round the car forums and result in a drop of their business.


Thanks again, Photobucket.
BumbleBee under restoration, soon to emerge smile
Re: A warning about Adrian Flux [Re: williamsdad] #1644209
09/09/2020 08:18
09/09/2020 08:18
Joined: Aug 2007
Posts: 7,758
Southsea
Gunzi Offline
Former Club President
Gunzi  Offline
Former Club President
Je suis un Coupé

Joined: Aug 2007
Posts: 7,758
Southsea
Terrible from Flux. Agree on the thunderous note to their leadership!

As a side note, all Club Members get 15% off Hagerty insurance thumb

Re: A warning about Adrian Flux [Re: williamsdad] #1644220
09/09/2020 14:53
09/09/2020 14:53
Joined: Sep 2007
Posts: 701
Behind Enemy Lines
Master_Mariner Offline
Club member 583
Master_Mariner  Offline
Club member 583
Enjoying the ride

Joined: Sep 2007
Posts: 701
Behind Enemy Lines
Disgusting attitude,

Essentially you were lied to, And they charge you for it?

I know its hard to ever be happy with insurers...but have to say Hagerty has been a dream compared with the old forum suggested insurers.

Awful advert for Adrian...

Glad you are back with Hagerty!

Re: A warning about Adrian Flux [Re: williamsdad] #1644224
09/09/2020 20:03
09/09/2020 20:03
Joined: Dec 2005
Posts: 449
Guildford
wink Offline
Club member 1590
wink  Offline
Club member 1590
Enjoying the ride

Joined: Dec 2005
Posts: 449
Guildford
I've been with Adrian Flux for a few years. Their agreed value policy extension makes you re-submit photos on every renewal and pay the £15 fee. And they summarily reduced my agreed value after a couple of years which I thought was unreasonable. I couldn't get any explanation from them but was invited to pay for an external engineer's valuation, which I didn't want to fork out for. And I couldn't see how it works - the whole idea of an agreed valuation is that it's not a market value, but what the car is worth to replace, and they decide the premium for that level of cover. I did consider Hagerty but sadly they restrict mileage to 3000 per annum, whilst AF allow 5000.

Re: A warning about Adrian Flux [Re: williamsdad] #1644388
16/09/2020 14:19
16/09/2020 14:19
Joined: Jun 2009
Posts: 91
Fleet, Hampshire
W
williamsdad Offline OP
Reaping the fruits
williamsdad  Offline OP
Reaping the fruits
W

Joined: Jun 2009
Posts: 91
Fleet, Hampshire
I have now sent off a letter of complaint to Adrian Flux and left them a review on trustpilot .. ill update on what comes back. Also in case anyone is interested in the Agreed Value policy I got with Hagerty ... Its £9k agreed value, parked on my driveway and mileage limited to 3k a year (I only did 700 miles in it last year so suits me). You also get windscreen cover and RAC breakdown. The policy was £380 for me but I have speeding points (ironically not from driving the Fiat). Excess went up from £100 to £350 because I increased my agreed value from £6k to £9k .. because if my car gets written off I at least want a nice one to replace it :-)


2000 20VT Plus in Electric Blue
[imgpop]http://www.cjs.me.uk/coupe/my-coupe.jpg[/imgpop]
Re: A warning about Adrian Flux [Re: williamsdad] #1644392
16/09/2020 15:55
16/09/2020 15:55
Joined: Oct 2013
Posts: 428
Eastbourne, Sussex
R
Richie007 Offline
Enjoying the ride
Richie007  Offline
Enjoying the ride
R

Joined: Oct 2013
Posts: 428
Eastbourne, Sussex
How did that price compare with Adrian Flux?


Re: A warning about Adrian Flux [Re: williamsdad] #1644398
16/09/2020 17:17
16/09/2020 17:17
Joined: Dec 2005
Posts: 449
Guildford
wink Offline
Club member 1590
wink  Offline
Club member 1590
Enjoying the ride

Joined: Dec 2005
Posts: 449
Guildford
It's hard to compare price because they depend on your age and location as well as the vehicle. My policy including agreed value of £15k cost me just over £400. I'm happy with that.

Re: A warning about Adrian Flux [Re: williamsdad] #1644400
16/09/2020 18:15
16/09/2020 18:15
Joined: Oct 2013
Posts: 428
Eastbourne, Sussex
R
Richie007 Offline
Enjoying the ride
Richie007  Offline
Enjoying the ride
R

Joined: Oct 2013
Posts: 428
Eastbourne, Sussex
You can compare price for Williamsdad as he’s had two quotes for the same vehicle same details. I’m with Adrian Flux but I found Hagerty a lot more expensive, that was a few years ago. They may have altered their pricing since. I think they were double. If the prices are similar then I may try them again


Re: A warning about Adrian Flux [Re: williamsdad] #1644403
16/09/2020 21:17
16/09/2020 21:17
Joined: Jun 2009
Posts: 91
Fleet, Hampshire
W
williamsdad Offline OP
Reaping the fruits
williamsdad  Offline OP
Reaping the fruits
W

Joined: Jun 2009
Posts: 91
Fleet, Hampshire
The quote from Adrian Flux was £308 + £15 for the agreed value so £323 (But remember this isnt actually an agreed value policy its a market value policy that you may or may not be able to get an agreed value on later). The Hagerty renewal was £365 based on the agreed value of £6k and went up to £380 when I changed it to £9k (anything under £10k they don't need any information about the car)


2000 20VT Plus in Electric Blue
[imgpop]http://www.cjs.me.uk/coupe/my-coupe.jpg[/imgpop]
Re: A warning about Adrian Flux [Re: williamsdad] #1644421
17/09/2020 13:01
17/09/2020 13:01
Joined: Sep 2007
Posts: 701
Behind Enemy Lines
Master_Mariner Offline
Club member 583
Master_Mariner  Offline
Club member 583
Enjoying the ride

Joined: Sep 2007
Posts: 701
Behind Enemy Lines
Originally Posted by williamsdad
(anything under £10k they don't need any information about the car)






Felt that was worth repeating.

Can't recall what my premium was with Hagerty off the top of my head - but around this figure. The renewal phone call took maybe 5 minutes. They wanted to chat more about where I was going with the car this year, then the normal dreary questions.

Sales patter? Maybe.

What I do know- is that when I ring them there is no call centre. No 45 page internet site. I'm not made to feel like its rocket science to insure a car (because it isn't really is it). They actually know what the car is. What the club is about.

And my blood pressure is never strained.

Dearer? Maybe?

Easy? Very.

The acid test will be if one of us ever has to make a claim...but lets hope we never had to.

Felt all the above was worth stating. Rock on Hagerty - one of the best things the club has done in a long time was moving to them- in my view!

Regards

MM

Re: A warning about Adrian Flux [Re: Master_Mariner] #1644423
17/09/2020 14:12
17/09/2020 14:12
Joined: Sep 2019
Posts: 12
Milford on Sea Hampshire
D
DavidFoster Offline
Club Member 1852
DavidFoster  Offline
Club Member 1852
Newbie
D

Joined: Sep 2019
Posts: 12
Milford on Sea Hampshire
Been watching this correspondence with interest. I renewed few days through Adrian Flux , they are of course just a broker so don’t actually insure any cars. My premium halved from £600 ish last year , which thought high reducing to £260 this year which I’m more than happy with, changes were that my car ( 20vt ) is now garaged , mileage limit reduced from £12k to 6k which is ample for me, with an agreed value doubled to £3500 ( no charge for this ) plus I said the car alarm was disconnected which I thought would cause problems but wasn’t an issue at all. Maybe £3500 is low but I’ve seen better than mine coupes struggling to sell at not much more so was trying to be realistic.

I have a very good claims history bar driving 20 odd years into an underground car park in Bruges ( a lovely town ) forgetting about the four bikes on the car roof...........

I found dealing with AF on the phone easy , friendly and efficient .

Re: A warning about Adrian Flux [Re: williamsdad] #1644425
17/09/2020 16:37
17/09/2020 16:37
Joined: Dec 2005
Posts: 1,353
Kent
Submariner Offline
My job on the forum
Submariner  Offline
My job on the forum

Joined: Dec 2005
Posts: 1,353
Kent
I pay about £80 a year after cash back for fully comp 20vt with no agreed value. Love my Coupe but given how insurance companies operate would bite the bullet if the worst happened and settle for it being written off and repair at my own expense.

Re: A warning about Adrian Flux [Re: williamsdad] #1644516
22/09/2020 00:27
22/09/2020 00:27
Joined: Jun 2009
Posts: 91
Fleet, Hampshire
W
williamsdad Offline OP
Reaping the fruits
williamsdad  Offline OP
Reaping the fruits
W

Joined: Jun 2009
Posts: 91
Fleet, Hampshire
Update on progress - I wrote to Adrian Flux and they sent me a reply saying they have the right to charge me the fees 'as advised in your policy documents' - the ones I had not seen when I purchased the policy and thought I had 14 days to go over ... as a goodwill gesture they have refunded £15 - not sure where they got that figure from.

Also they confirmed that the £58 charge represents £30 admin fee for them and £28 for my less than 24hrs cover provided by the insurer, which on a pro rata basis would mean the policy should have cost £10,220.

Obviously everyone's experience will differ and from the comments above others have had a good experience with them and I don't want anyone to think im trying to bash Adrian Flux here - Just wanted to point out what happened in my case and make people aware of this thing with the cooling off period.

I actually looked it up - under a 14 day cooling off period, a service provider is entitled to charge an admin fee and a fee to cover a service that has been provided during the 14 days. What constitutes a fair charge - well - thats open to interpretation.



Last edited by williamsdad; 22/09/2020 00:30.

2000 20VT Plus in Electric Blue
[imgpop]http://www.cjs.me.uk/coupe/my-coupe.jpg[/imgpop]
Re: A warning about Adrian Flux [Re: williamsdad] #1644522
22/09/2020 10:05
22/09/2020 10:05
Joined: Dec 2005
Posts: 3,254
S. Wales. Way beyond my means
Gripped Online content
Club Member
Gripped  Online Content
Club Member
I need some sleep

Joined: Dec 2005
Posts: 3,254
S. Wales. Way beyond my means
A couple of weeks ago I added a 20VT to my multi car insurance with Admiral, but I didn't proceed with the purchase so cancelled a couple of days later.

They charged an admin fee. And of course the insurance was covering me for a couple of days so I guess they have a right to charge me for that. I know insurance companies front end load their charges too, I suppose to discourage cancellations half way through.

Looks like standard practice in the industry, but doesn't excuse the attitude of Flux.... Our campervan is insured with them, but no problem so far....


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