glad im not they only one they are dear for rang them yesterday with a new car i have, guess what they were dear too so went else 
Offer 2 : Adrian Flux - up to 15% discount on your insurance policy!
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Offer 2 : Adrian Flux - up to 15% discount on your insurance policy!
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LMFAO! Got a insurance quote online, £765.42, phone up as they say its only a provisional offer and I could save more money. Turns out that it was for TPF&F...Fully comp was £1200...guess I wont be going with them...and no where near my best offer of £680.
Flux wanted to charge me over a grand to insure my Grande Punto Sporting and then royally fleeced me when I wanted to cancel and go elsewhere..
Had my policy with Flux for 1 month 3 days and they charged me £280 to cancel my £460 policy - ridiculous!
Went to Admiral and got the same cover plus more for £470... Joke!
Just to let people know that was fully comp, I am 23, been driving for nearly 6 years and have 5 years no claims!
Had my policy with Flux for 1 month 3 days and they charged me £280 to cancel my £460 policy - ridiculous!
Went to Admiral and got the same cover plus more for £470... Joke!
Just to let people know that was fully comp, I am 23, been driving for nearly 6 years and have 5 years no claims!
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Flux wanted to charge me over a grand to insure my Grande Punto Sporting and then royally fleeced me when I wanted to cancel and go elsewhere..
Had my policy with Flux for 1 month 3 days and they charged me £280 to cancel my £460 policy - ridiculous!
Went to Admiral and got the same cover plus more for £470... Joke!
Just to let people know that was fully comp, I am 23, been driving for nearly 6 years and have 5 years no claims!
Hello
If you would like for me to arrange for someone to call you to discuss the figures, please feel free to pm me your details and i will get this arranged.
Cheers
Dan.
My wifes renewal with Esure was £254 for a Stilo Sporting 150 Adrian Flux came good with £214 fully comp.
just had a quote of over 3k on a 98 reg punto 60,19yrs old no claims ect just insured it for £1682 fully comp elswhere,website makes such promises lol
Unfortunatley we can not be competitive for everyone, If you would like me ot look into this for you then please PM me your Name and Postcode, Contact Number and the best time to call you. We will then check all details and make sure all discounts have been applied where applicable.
Dan.
52 plate polo 1.2, immaculate condition, cost £3k and worth it
19y/o, recently passed test and also pass plus - looking for first time insurance, thanks to pass plus got a quote just over £2k for fully comp.
AF comes up with a similar price - turns out that is TPF&T only
And seemingly, "it's not worth getting fully comp on that car - if you wrap it round a tree you'd only get £300 for it."
Strange that nobody else has mentioned this?
19y/o, recently passed test and also pass plus - looking for first time insurance, thanks to pass plus got a quote just over £2k for fully comp.
AF comes up with a similar price - turns out that is TPF&T only
And seemingly, "it's not worth getting fully comp on that car - if you wrap it round a tree you'd only get £300 for it."
Strange that nobody else has mentioned this?
Flux seem unable to offer any competitive fully comp quotes these days, I had a similar problem when changing to the GP.. In the end I went with Admiral for £580odd less than Flux quoted and ended up paying a grand total of £470!
It's also worth noting that Flux wanted to charge me a stupid amount of money when I wanted to cancel 1 month and 3 days into the policy..
As for the amount they'd give you; well I'm not surprised really, they are notoriously difficult to deal with If you ever do need to claim!
Best try Sky Insurance and Chris Knott - and I personally wouldn't bother with fully comp
Good luck!!!
Just renewed my policy for a 2001 Seicento Schumacher at £486 through Adrian Flux.
I pay instalments by D/Debit and is payed to Premium Credit.
With a deposit of £85 and 9 payments of £61 ish, This is costing me an extra £153 on top giving a total repayment of £640, Because of an APR of about 37.7%.
Many young drivers with little money to spare and large insurance premiums will be paying more than a third more on top.
A lot of poeple will have no choice but to pay monthly so the credit companies are just milking it. I find this disgusting. :yuck:
Now we are faceing an increase of +40%? in premiums due to accidents and the "uninsured driver".
Maybe the greed of insurance and credit companies are the ones helping create the "uninsured driver"?
What has the "uninsured driver" got to do with premiums anyway?
If someone is not insured then you claim off an insurance company.
If they are insured then you claim off an insurance company.
An insurance company will be paying out either way.
Maybe the use of the "uninsured driver" term is cryptic for LOST POTENTIAL REVENUE?
Another scheme to relieve you of your hard streched cash is the cancellation fees.
After only one month of my insurance renewal, The car is off the road again so I thought I would save some cash to go towards the repair costs. :idea:
If I cancelled now, It would have cost me over £220 for about a months insurance.
Why can't we have state run insurance? The pofits would reflect on premiums each year :idea:
We could have a national lottery for insurance and profits go to lower insurance premiums? :idea:
It won't happen because private investors are ruling the world.
I pay instalments by D/Debit and is payed to Premium Credit.
With a deposit of £85 and 9 payments of £61 ish, This is costing me an extra £153 on top giving a total repayment of £640, Because of an APR of about 37.7%.
Many young drivers with little money to spare and large insurance premiums will be paying more than a third more on top.
A lot of poeple will have no choice but to pay monthly so the credit companies are just milking it. I find this disgusting. :yuck:
Now we are faceing an increase of +40%? in premiums due to accidents and the "uninsured driver".
Maybe the greed of insurance and credit companies are the ones helping create the "uninsured driver"?
What has the "uninsured driver" got to do with premiums anyway?
If someone is not insured then you claim off an insurance company.
If they are insured then you claim off an insurance company.
An insurance company will be paying out either way.
Maybe the use of the "uninsured driver" term is cryptic for LOST POTENTIAL REVENUE?
Another scheme to relieve you of your hard streched cash is the cancellation fees.
After only one month of my insurance renewal, The car is off the road again so I thought I would save some cash to go towards the repair costs. :idea:
If I cancelled now, It would have cost me over £220 for about a months insurance.
Why can't we have state run insurance? The pofits would reflect on premiums each year :idea:
We could have a national lottery for insurance and profits go to lower insurance premiums? :idea:
It won't happen because private investors are ruling the world.
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Just renewed my policy for a 2001 Seicento Schumacher at £486 through Adrian Flux.
I pay instalments by D/Debit and is payed to Premium Credit.
With a deposit of £85 and 9 payments of £61 ish, This is costing me an extra £153 on top giving a total repayment of £640, Because of an APR of about 37.7%.
Many young drivers with little money to spare and large insurance premiums will be paying more than a third more on top.
A lot of poeple will have no choice but to pay monthly so the credit companies are just milking it. I find this disgusting. :yuck:
Now we are faceing an increase of +40%? in premiums due to accidents and the "uninsured driver".
Maybe the greed of insurance and credit companies are the ones helping create the "uninsured driver"?
What has the "uninsured driver" got to do with premiums anyway?
If someone is not insured then you claim off an insurance company.
If they are insured then you claim off an insurance company.
An insurance company will be paying out either way.
Maybe the use of the "uninsured driver" term is cryptic for LOST POTENTIAL REVENUE?
Another scheme to relieve you of your hard streched cash is the cancellation fees.
After only one month of my insurance renewal, The car is off the road again so I thought I would save some cash to go towards the repair costs. :idea:
If I cancelled now, It would have cost me over £220 for about a months insurance.
Why can't we have state run insurance? The pofits would reflect on premiums each year :idea:
We could have a national lottery for insurance and profits go to lower insurance premiums? :idea:
It won't happen because private investors are ruling the world.
just because you are paying it up doesnt change the fact you are buying a 12 month policy.
if you cancel a mobile phone contract.does it just end there?
Just renewed my policy for a 2001 Seicento Schumacher at £486 through Adrian Flux.
I pay instalments by D/Debit and is payed to Premium Credit.
With a deposit of £85 and 9 payments of £61 ish, This is costing me an extra £153 on top giving a total repayment of £640, Because of an APR of about 37.7%.
Many young drivers with little money to spare and large insurance premiums will be paying more than a third more on top.
A lot of poeple will have no choice but to pay monthly so the credit companies are just milking it. I find this disgusting. :yuck:
Now we are faceing an increase of +40%? in premiums due to accidents and the "uninsured driver".
Maybe the greed of insurance and credit companies are the ones helping create the "uninsured driver"?
What has the "uninsured driver" got to do with premiums anyway?
If someone is not insured then you claim off an insurance company.
If they are insured then you claim off an insurance company.
An insurance company will be paying out either way.
Maybe the use of the "uninsured driver" term is cryptic for LOST POTENTIAL REVENUE?
Another scheme to relieve you of your hard streched cash is the cancellation fees.
After only one month of my insurance renewal, The car is off the road again so I thought I would save some cash to go towards the repair costs. :idea:
If I cancelled now, It would have cost me over £220 for about a months insurance.
Why can't we have state run insurance? The pofits would reflect on premiums each year :idea:
We could have a national lottery for insurance and profits go to lower insurance premiums? :idea:
It won't happen because private investors are ruling the world.
Hiya,
Sorry to learn of your issues and we do at inception inform clients that when purchasing a policy over installments that they are entering into a credit agreement with a Finance Company - a bit like if you purchased any goods by this method. Those costs would have been made clear to the purchaser - we are not licensed credit brokers and those charges are from the finance company we use and are not out of sync with similar providers. When cancelling mid-way you do still have to pay the 'Time-on-Risk' charge.
If you wish to PM me your details I can certainly investigate - we'd be more than happy to.
Just to offer an 'insiders' comment on the uninsured drivers and why they have any relevance on premiums going up. If you are hit by an uninsured driver and you aren't fully comprehensive, you will pay for the cost of repairs without recourse to claim back (i.e there's no third party insurer to claim back from). If in a worse case scenario you are injured, and are off work, (self-employed) lose earnings or even worse there is no-one to claim from. An insurer (as incorrectly mentioned in the thread) will not be paying out. You may if lucky receive assistance from the Motorists Insurance Bureau who have a contingency fund to assist but this will unlikely be 100% of your damages.
This is pushing up premiums because insurers all contribute to a fund for those that suffer as a result of the growing problem of uninsured drivers..
Personal Injury claims are pushing-up the cost of premiums as Britons receive more in claim settlements than any other European nation.
Hope that this provides some insight, the premiums quoted are reflected in the risk presented.
Thanks
Dan
I'm not saying I'm unhappy with your service or quotes hence my renewal.
It's the credit company with it's charging that make the final figure harder to swollow.
I also think the "Time on risk" cancellation charges are excessive as it could not be termed as "mid way" being close to a month.
Has a minimum charge been agreed within the industry in collaboration with the Government because of people who tax their car then cancel the policy?
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Confused.com
The big debate; why are insurance premiums soaring?
http://www.confused.com/featured-ar...r&utm_source=Newsletter22Nov&utm_content=Cara
In recent years I have read about two crash for cash scams whereby you trundle into the back of another car at 5mph. exchange details & off you go. The other guy goes away & reverses into something substantial at stupid mph.
suddenly, your insurance company are telling you they are having to pay out for 5 occupants with severe whiplash (there was only a driver & how could he possibly get whiplash?).
I also read about a bus driver who got touched by a small car at low speed. 31 of the claims for whiplash came from people who just happened to be friends of the 32nd claimant _the bus driver.
I keep harping on about all cars having dashcams & insurance companies offering decent discounts - why is this still not happening?
As far as I am concerned, my camera has paid for itself many times over & has saved my insurance company (and me) thousands by providing irrefutable evidence.
If insurance companies will not adopt a discount scheme for fitting cameras I must assume it is because they themselves are on the fiddle when claiming off other insurance companies, they obviously have a scam for creaming thousands & video evidence would put a stop to their antics.
The big debate; why are insurance premiums soaring?
http://www.confused.com/featured-ar...r&utm_source=Newsletter22Nov&utm_content=Cara
In recent years I have read about two crash for cash scams whereby you trundle into the back of another car at 5mph. exchange details & off you go. The other guy goes away & reverses into something substantial at stupid mph.
suddenly, your insurance company are telling you they are having to pay out for 5 occupants with severe whiplash (there was only a driver & how could he possibly get whiplash?).
I also read about a bus driver who got touched by a small car at low speed. 31 of the claims for whiplash came from people who just happened to be friends of the 32nd claimant _the bus driver.
I keep harping on about all cars having dashcams & insurance companies offering decent discounts - why is this still not happening?
As far as I am concerned, my camera has paid for itself many times over & has saved my insurance company (and me) thousands by providing irrefutable evidence.
If insurance companies will not adopt a discount scheme for fitting cameras I must assume it is because they themselves are on the fiddle when claiming off other insurance companies, they obviously have a scam for creaming thousands & video evidence would put a stop to their antics.
JackyBoy1993
New member
Hi
I passed my driving test in August last year and went out stright away to buy a fiat. I got my 03 1.2 punto for 2 grand and started shopping for insurence. As a 17 year old male driver with no experience and and a pass plus I was getting quotes for 3 times what the car was worth. I was told by a car parts shop about Adrian Flux and i gave them a ring. They quoted me £3000 which was the cheapest i could find. It is rediculous but i need to drive given my rural location. I spend a lot of money on my car and don't drive it like a dick. I have had to borrow money to pay off my insurence and am now in the process of applying for a loan now i am 18 so i can pay people off.
My question is can i get the 15% discount off my remaining insurence (about 6-7months) or will i have to wait until my renewal? (am pooin myself for that moment, Uni loans and insurence renewal at the same time, i hope it doens't go up) any suggestions, apart from not crashing, to keeping my renewal price down?
I passed my driving test in August last year and went out stright away to buy a fiat. I got my 03 1.2 punto for 2 grand and started shopping for insurence. As a 17 year old male driver with no experience and and a pass plus I was getting quotes for 3 times what the car was worth. I was told by a car parts shop about Adrian Flux and i gave them a ring. They quoted me £3000 which was the cheapest i could find. It is rediculous but i need to drive given my rural location. I spend a lot of money on my car and don't drive it like a dick. I have had to borrow money to pay off my insurence and am now in the process of applying for a loan now i am 18 so i can pay people off.
My question is can i get the 15% discount off my remaining insurence (about 6-7months) or will i have to wait until my renewal? (am pooin myself for that moment, Uni loans and insurence renewal at the same time, i hope it doens't go up) any suggestions, apart from not crashing, to keeping my renewal price down?
Hi Ya,
I can certainly check this for you, please just pm me your full name, reference number and contact telephone number.
Cheers
Dan.
Hello other Dan at AF, a few questions for you.
Would AF give me third party cover when driving someone else's car, as long as I have their permission and it's roadworthy? I'm 27 if that makes any odds. My last few insurers have been fine with this (Zurich and, iirc, Kwik Fit).
If I start a policy with a standard car and ring later to declare modifications how much would I be charged as an admin fee to change my details and send out new documents (if required)?
Going by the website AF seems to be a broker, not an insurer themselves, would declaring modifications force me to have to move to another insurer via AF and if so are there any financial penalties for this? Other than any rise in the premium.
Any issues with insuring an engine swap? If I did this I would only be going from 1108cc -> 1242cc. Especially bearing in mind the last question.
Ta very.
Would AF give me third party cover when driving someone else's car, as long as I have their permission and it's roadworthy? I'm 27 if that makes any odds. My last few insurers have been fine with this (Zurich and, iirc, Kwik Fit).
If I start a policy with a standard car and ring later to declare modifications how much would I be charged as an admin fee to change my details and send out new documents (if required)?
Going by the website AF seems to be a broker, not an insurer themselves, would declaring modifications force me to have to move to another insurer via AF and if so are there any financial penalties for this? Other than any rise in the premium.
Any issues with insuring an engine swap? If I did this I would only be going from 1108cc -> 1242cc. Especially bearing in mind the last question.
Ta very.
Morning
If you can pm me your details and i will get someone to give you a call and go all over this with you, full name and contact telephone number. If you are insured with us , i also need the reference number, if not, what vehicle it is that you are wanting to discuss.
Cheers
Dan.
