Adrian Flux Insurance - Thoughts?

tiggerthefox

Registered User
Curious to hear what experiences, good or bad, users of this forum have had with this company.
I'm re-insuring my 20-plate RS4 Vorsprung this month and have elected to switch providers. Having seen various YouTube 'influencers' extolling the services of this company, and have noticed their advertisements in some of the motoring mags (Evo, in particular), I rang Adrian Flux on Thursday with an initial enquiry and agreed a call back for 9am today to discuss options in more detail. One hour later and I'm still waiting....
A quick look at the 'tweets and replies' section of the @FluxHelpdesk Twitter does not fill me with much optimism that I'd be wise to proceed, but on the flip side, nobody uses Twitter to congratulate a company on doing a good job, either....
Comments and observations welcome.
Thanks.
 

Raiden

Registered User
Had to chase my renewal with them yesterday. They are way too high this year and can’t explain why. Meerkats are half the price this year so Adrian can Flux off I think.

But to be fair did a good deal on the wife’s classic mini with an agreed value last year.

I don’t get car insurance.

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tiggerthefox

Registered User
@Raiden AF eventually called but as I’d all but given up waiting I missed the call so had to call back.
To be fair, the agent who took the call apologised for the delay and we got down to business.
What staggered me was the outcome.
I’m of ’a certain age’, with a squeaky clean record - max NCD, no criminal record, pointless licence, no mods, S5 category Tracker, sub-6K mikes per year (more like sub-4K in the last 12 months), second driver equally dull and park on the driveway in a very low crime-rate neighbourhood.
AF has just quoted me nearly +£300 over my current premium and has just about doubled my mandatory excesses.
No explanation. And this is based on Aviva underwriting the policy. It all seems to fly in the face of what Martin Lewis has to say about premiums heading South.
Unless this is a sign of things to come from a select list of other potential insurers, I doubt I’ll be taking up the offer
 

Raiden

Registered User
Maybe Flux won’t be so competitive this year. 2015 was bad for me as me and my wife both had accidents plus I got 9 points that year.

So been really good since then and thought by now I deserve a cookie. So all clean and turn 39 soon and got quoted £730 (paid £750 last year) and after moaning got it down to £680.

Through the meerkat with admiral I’m quoted £445 with more extras but after having a play around if I park on the street Ford are the cheapest at £429


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DAN@ADRIAN FLUX

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@Raiden AF eventually called but as I’d all but given up waiting I missed the call so had to call back.
To be fair, the agent who took the call apologised for the delay and we got down to business.
What staggered me was the outcome.
I’m of ’a certain age’, with a squeaky clean record - max NCD, no criminal record, pointless licence, no mods, S5 category Tracker, sub-6K mikes per year (more like sub-4K in the last 12 months), second driver equally dull and park on the driveway in a very low crime-rate neighbourhood.
AF has just quoted me nearly +£300 over my current premium and has just about doubled my mandatory excesses.
No explanation. And this is based on Aviva underwriting the policy. It all seems to fly in the face of what Martin Lewis has to say about premiums heading South.
Unless this is a sign of things to come from a select list of other potential insurers, I doubt I’ll be taking up the offer
Hi.
I'm sorry that we weren't able to provide you with a competitive quotation. Unfortunately we aren't able to be competitive on every quotation I'm afraid.
If you wanted to PM me your details though I would be happy to take a look to see if there is any reason we are so un-competitive.
Regards,
Dan.
 

tiggerthefox

Registered User
Hi.
I'm sorry that we weren't able to provide you with a competitive quotation. Unfortunately we aren't able to be competitive on every quotation I'm afraid.
If you wanted to PM me your details though I would be happy to take a look to see if there is any reason we are so un-competitive.
Regards,
Dan.
There were errors on the quotation when it came through by email, most notably the recording of car ownership status. The illustration records both myself and partner as owning additional vehicles when I clearly stated on the call that I own my vehicle and my partner owns hers. We’re a two vehicle household with both vehicles owned outright. I called your office back and spoke to another agent to correct this point. I assumed I would receive a revised offer but have heard nothing more. Perhaps this was because it was late Saturday morning.
To be fair, your PDF quotation did come in £60 cheaper than the figure quoted by the processing agent during the initial call, but this was still excessive when comparing it to my current premium.
The agent I spoke to on the call back suggested that even if I did contact Aviva directly it would be likely that I wouldn’t get a cheaper offer than the AF offer. Even if this was said without malice, I did feel as though I was having my nose rubbed in it.
BTW, I’m a former long term Aviva customer, going back to the NU days. Apropos nothing in particular other than I’d be likely to sound them out as one of the select list I’m likely to consult.
Your call back agent also suggested that because of the value of the vehicle, the premium would be inflated, along with the risk factor attached to it going walkabout in the middle of the night. This despite the installation of a Thatcham S5 Tracker and the vehicle not being one of the Top 10 stolen vehicles in the UK. Last time I checked, there wasn’t a single Audi in this select list, either.
It seems to me that your underwriters are prejudiced against this type of vehicle, regardless of the other low risk profile elements declared to your sales agents. I contracted AF on the basis that you, apparently, specialize in insuring vehicles that sit outside the mainstream.
Happy to discuss this with you further, but I suspect there won’t be anything positive arising.
 

Raiden

Registered User
I’ve gone with Admiral in the end. If I park the car all day and night round the corner it’s a hell of a lot cheaper.

What’s annoyed me is when I spoke to Flux to cancel the person said let me change the parking and see what we come out at. I got quoted £500!!!! How the hell can you drop another £180? And from my original quote it was £250 more then the new one? Does someone make this up? We can all say it’s what the computer says but me moving my car a few yards up the road why does the price dramatically drop?


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