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Adrian Flux latest scam

Discussion in 'Motors' started by s0ck, 16 Feb 2010.

  1. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,388

    They'll insure me on an M5 for the price everyone else wants for my 530 :D
  2. Velocity

    Wise Guy

    Joined: 28 Apr 2003

    Posts: 1,621

    Location: UK - Milton Keynes

    Admiral insure both of my cars fully comp, for just under £500 a year, bargain!
  3. NightShadow

    Wise Guy

    Joined: 19 Oct 2002

    Posts: 1,925

    Location: Welling/London

    Seeing a pattern here..

    Admiral were by far the cheapest for me £470 FC with protected NCD. Flux wanted just under £700.
  4. NickXX


    Joined: 19 May 2005

    Posts: 7,037

    I didn't have the best experience with Adrian Flux when I cancelled my 330d insurance.

    I was pretty much bang on half way through a 12 month policy with them when I sold my 330d. Cancelled the insurance expecting to get half of my policy money back less, say, a £30 admin fee. Of the £550 or so that I paid out, I was expecting around £250.

    Oh no - apparently due to their 'underwriter's rules' I was only eligible for a £90 refund! After speaking to a manager, and asking how they could possibly justify the missing £150, they agreed to give me the full pro rata refund of £260ish.

    Although I got my way in the end, it was a pretty sneaky trick that they pulled at first. For that reason I'm not going to use them again. I could imagine that forcing a claim through could be a bit of a PITA.
  5. MrKnifey


    Joined: 3 Aug 2008

    Posts: 3,246

    Location: Nelson, South Wales

    I swapped mine the other day and im with Adrian Flux dude?
  6. Memphis


    Joined: 13 Jan 2004

    Posts: 12,204

    Location: Inverness

    Sorry to hi-jack but how are Admiral with imports and mods? :)
  7. EddScott


    Joined: 18 Oct 2002

    Posts: 8,435

    Location: Pembrokeshire

    Bit nervous now - I started a 2nd policy with Adrian Flux on the Jeep but then decided to sell my Golf so have done a change of vehicle with the Golf insurers - RSA or More Than as they like to be called.

    It was within the 14 days and they have confirmed this so hopefully they'll give me a full refund in due course. Bit concerned if they cut up rough though.
  8. fornowagain


    Joined: 3 Nov 2004

    Posts: 9,836

    Location: UK

    They've done it to me and that was a couple years back. Maybe it depends on the underwriter?
  9. Bluelion


    Joined: 4 Jan 2008

    Posts: 717

    Location: Southampton

    Last years Flux renewal was for the first time ever for me not the usual "joke" up-bumpage. I did the usual ringing round and was unable to beat the renewal quote, so fair play to them.
  10. Alibaba99

    Wise Guy

    Joined: 29 Jun 2004

    Posts: 2,425

    That is fairly usual with insurance companies. The only way to ensure that you only pay what you use if the policy is cancelled mid-year is to go with a monthly direct debit. When I had Endsleigh insurance that used to come with a document which listed the amount back if the policy was cancelled mid year.

    As for the OP I would suspect that the underwriter for the original car refused to insure the new vehicle and therefore the policy had to be cancelled and a new one started.
  11. smokedog


    Joined: 28 Jul 2004

    Posts: 4,486

    I had to make a claim from Adrian Flux a few years ago and it was quite painless to be honest. But I was only sending my damaged car to the garage and not requesting a cash pay out.
  12. M0T


    Joined: 23 Aug 2003

    Posts: 4,583

    Location: House

    I think this is the issue - I am with flux and have been told that if I want to buy a BMW I have to cancel the policy and take another one out. I contacted the underwriters directly and they confirmed this.

    My understanding is that they give you the cheapest quote from a panel of underwriters but won't tell you if the policy itself is particularly restrictive, after all most people are only interested in the price.