I did a few comparison quotes and AF came out top each time and I remembered that they offered a 15% discount so duly rang them up. Spoke to Melissa's who passed me onto Toby who then went through all the questions and an hour into the call came back with a quote that was 15% HIGHER than the online quotes!!!
I queried this with Toby and all he could say was:
the online system does not ask the same questions - bullpoo as it did
I have carried out 20 odd quotes and it takes the highest mileage I've input - bullpoo, I had decreased from 8500miles to 6000miles
I said there could be a remap to increase the mpg but figures would go from 115bhp to 120bhp - he said he'll put in upto 20% taking it to 135bhp as that didn't matter - bullpoo - it must have made a difference
so, after wasting my breath and feeling that AF are misquoting me and mis-selling the policy I decided to stick with my current insurer who said they are willing to take on any bhp increase, all my mods and lowering my suspension unto 50mm and even brought the price down from £328 to £264!!!
Dan@AdrianFlux - shame fella, I really thought you guys could have done me a good deal but I wasted over an hour talking to 3 reps.
First of all thanks for the post, feedback is always good and is taken on board.
I have spoken to Toby regarding this particular quotation and whilst I can't go into too much detail on a public forum, I can confirm the following in response to the points you raised:
Whilst the online question set does ask almost all questions, things such as the original and new BHP cannot be entered online and the rate needs to be manually calculated in circumstances where BHP is increased, hence asking you to call in.
When you quote be it online or over the phone, each quotation is stored so if you quote as an example 25,000 miles a year but try and purchase the policy on 3000 miles - there would certainly be a query from the insurer as to why you quoted so high and now need so few.
Regarding the BHP increase, as we are a modified car specialist, our schemes are very flexible with modifications so the difference in BHP from 120 to 135BHP may still be in the same pricing bracket.
I can only apologise for the way you feel however we certainly aren't misquoting or mis-selling, it is a case of us confirming we have every detail correct prior to you making a purchase (Which is why we ask you to call in rather than buying online)
If you have any further queries then please do send me a PM and I can arrange for us to give you a call to explain if needs be, however it's just a case that once confirming the details over the phone and making the corrections, unfortunately this has resulted in a price increase.
This is obviously not something we like to happen as ultimately we would love to help every client and keep everyone happy, but as we are a broker who works on behalf of over 40 underwriters, this doesn't happen every time.
Hope you don’t mind a new thread. Adrian Flux Insurance now offer a new extra benefit which is available to add to a policy called FlexDrive. In short, if you have the ‘Driving other cars’ extension on your policy, which will only give you cover against third party risks, this ‘top-up’ policy will increase the cover to a comprehensive level giving up to £20,000 worth of cover for the car you are driving.
I'm not trying to give it the hard sell here - I just thought with it being unique as far as I know in the market, it was worth talking about.
It does have some restrictions; you must already have the driving other cars third party only benefit on your policy (this doesn't buy you the extension), the car must be insured, not belong to you, or be registered at your address. It can only be added to an Adrian Flux insurance policy.
The policy is perfect for someone who has friends or relatives who are ‘in to’ their cars like you and I. Using someone else’s car with just third party cover is always a bit awkward, especially if something happens!
It won’t suit everyone I know, but for people like you and I who love their cars, it could be very handy. At £24.99 a year it’s very reasonably priced.
Sorry to jump on to this thread as I have some questions regarding insurance. I was planning to put a wind deflectors on my car. Does this consider a mods ? Hoping dan@Adrianflux can answer coz I'm insured with them.
You would need to notify us of this, any change you make to the vehicle is worth notifying your insurer of - you would not like to come to claim and have it invalidated due to non-disclosing the modifications.
By all means send me a PM with your policy details and we can check this out for you.
Hi all. I was just renewing my car insurance so thought would give Adrian Flux a call seeing as they advertise on here to be competitive for forum members. They didn't even quote me a price when I told them that I have had a quote from Esure for £196.00! They did tell me that the Esure quote was a great price though lol!
2012 Ford Focus Zetec S 1.6 Ecoboost with appearance pack alloys and tints fitted.
Im a little bit gutted though as when I bought the car i got a new online quote for £191 from Esure but as I was 10 months into a policy from my previous car I just changed it over on the phone to avoid losing 10 months NCB. It is puzzling how with an extra years NCB the price has gone up in the 1 month between the two quotes! I know its only a fiver difference but you would have thought with the extra years NCB the price would have gone down slightly not up!
Sorry to hear this.
Unfortunately we do have minimum premiums and it may well have been a case of based on the details provided that as a broker, we didn't have any markets that could offer a quote as low as you had received elsewhere. Obviously we would rather not waste your time by taking the rest of your details to then not compete.
We obviously do thank you for taking the time to give us the opportunity to offer a quote.
What you may find is that the newer the vehicle gets the lower the insurance group is compared to a previous comparable model. This is due to factors including advances in car technology and safety features.