Hi everyone.
This is just a short introduction, I'm Dan and I've worked for Adrian Flux Insurance for nearly 25 years.
If any of you on here have any general insurance queries or specific problems with Adrian Flux insurance please let me know. I have hand-picked a
small but dedicated team of staff who with me will try and assist you wherever possible. I can assure you we will be completely impartial despite
being on the payroll of Adrian Flux. If we have messed-up we will acknowledge that and make efforts to get it corrected. If any of you do not
understand an insurer’s viewpoint we will do our best to clearly explain it.
It could be problems ranging from simple paperwork issues to major claim disputes. With our many years of experience we should be able to answer most
queries immediately. If there were issues or a problem that we can’t answer directly we would ensure that a relevant manager investigates these and we
would then be able to relay an answer back.
I hope this will be of some help for you.
On behalf of myself and my team, thanks very much.
Dan.
Adrian Flux Insurance Services
Not specifically related to kit car cover but the thing ive often wondered about car insurance in recent years is why it is necessary to move
providers in order to get a better deal and why it an insurance provider will often only start looking for a lower premium for their customer when the
the customer tells them they are leaving for a better rate.
Why is this not just done automatically, by default, whenever a policy comes up for renewal ?
quote:
Originally posted by Not Anumber
Not specifically related to kit car cover but the thing ive often wondered about car insurance in recent years is why it is necessary to move providers in order to get a better deal and why it an insurance provider will often only start looking for a lower premium for their customer when the the customer tells them they are leaving for a better rate.
Why is this not just done automatically, by default, whenever a policy comes up for renewal ?
As the public have access to insurance price comparison sites would I be right in presuming insurance brokers have access to a form of common trading
platform so they are able to ensure business is assigned to the underwriters offering the best value for a customer's circumstances and policy
term requirements.
As brokers are able to cast round for competitive quotes from underwriters by one means or another why isnt this done by default at every policy
renewal ? Why aren't all brokers putting in this legwork for their customers at every renewal ? They are after all taking a brokerage fee for
providing a service.
With your experience of the industry would you say it was beause part of the business model for many brokers relies on customer inertia, that the
desire to earn a higher commission on a higher premium from a customer who fails to challenge or churn is regarded as sufficiently beneficial to the
bottom line they believ it outweighs an obligation to the customer to provide competitive value.
Is indeed the insurance market one of the last remaining bastions of anti competitive practice ?
Can you explain why, in contrast to every other insurance company I have encountered, you fail to refund any premium whatsoever when an insurance
policy is cancelled, as I recall, beyond 14 days into the cover, despite the policy being in excess of £1000 / annum and paid in full at the time of
purchase?
[Edited on 13/3/14 by CC Cyclone]
Jeez notanumber give hima break! We all know why they do this and you have answered your own question.
On a separate note, should we ask for anyone particular of we want a quote dan? Or just te standard number still?
no, ive given what i think is the answer. I need Dan with his knowledge of the way the industry works to confirm or deny
I would presume that the number of people that do just renew their policies justifies the Insurance Company doing it (from their point of view). I
would imagine there are calculations that are performed to determine their retention rates and the associated profits vs losing the odd customer here
and there and the associated losses…. Higher renewal premiums obviously comes out on top
Every year I hunt for new deals and actually for my main car Direct Line are always the best… so essential I’m doing a new quote for the company I’m
already using! Ludicrous
The same can be said for getting an Online quote and then phoning the company about it, Previously I have had my Online quote halved (for my
motorbike) just by pressing the insurer for a better deal.
Ultimately Insurers are a business and are in this game to make money, its up to us to haggle them for the best possible deal.
Dan,
Welcome.
I think it's a good pro-active (and slightly brave) approach to join up to the forum and I'm sure you will be able to add some insight and
assistance. I hope it's viewed positively and constructively by all.
I currently have insurance with Flux Direct and have also used them in the past. Experience has been good to date.
Cheers
Nick
Hi Dan
I have just seen this link
http://www.locostbuilders.co.uk/forum/51/viewthread.php?tid=189516
And wondered how we prove that we are members of this site when we ring you
I don't have a club card or any thing for Locost builders
It will be interesting to see what A/Flux renewal will be this year
All the best
Jacko
I took a policy out with AF for my kit car. At the same time I asked about a policy for a car I was hoping to buy. From the desciption of the car I was almost certain that I would buy it and drive it home (200 miles). I was given a price and before I knew it the amount was taken from my account (details were already given to pay for my kit car insurance). The following day I travelled to collect the new car, only to find it was not as described. Therefor I didn't buy it and cancelled the insurance policy the next day. You charged me £40 for that! Now I want my money back. Am I not covered by the rules of distance selling/buying and entitled to change my mind and cancel without penalty?
quote:
Originally posted by CC Cyclone
Can you explain why, in contrast to every other insurance company I have encountered, you fail to refund any premium whatsoever when an insurance policy is cancelled, as I recall, beyond 14 days into the cover, despite the policy being in excess of £1000 / annum and paid in full at the time of purchase?
[Edited on 13/3/14 by CC Cyclone]
quote:
Originally posted by CC Cyclone
Can you explain why, in contrast to every other insurance company I have encountered, you fail to refund any premium whatsoever when an insurance policy is cancelled, as I recall, beyond 14 days into the cover, despite the policy being in excess of £1000 / annum and paid in full at the time of purchase?
[Edited on 13/3/14 by CC Cyclone]
quote:
Originally posted by Not Anumber
As the public have access to insurance price comparison sites would I be right in presuming insurance brokers have access to a form of common trading platform so they are able to ensure business is assigned to the underwriters offering the best value for a customer's circumstances and policy term requirements.
As brokers are able to cast round for competitive quotes from underwriters by one means or another why isnt this done by default at every policy renewal ? Why aren't all brokers putting in this legwork for their customers at every renewal ? They are after all taking a brokerage fee for providing a service.
With your experience of the industry would you say it was beause part of the business model for many brokers relies on customer inertia, that the desire to earn a higher commission on a higher premium from a customer who fails to challenge or churn is regarded as sufficiently beneficial to the bottom line they believ it outweighs an obligation to the customer to provide competitive value.
Is indeed the insurance market one of the last remaining bastions of anti competitive practice ?
Sorry quoted the wrong one above
quote:
Originally posted by nick205
Dan,
Welcome.
I think it's a good pro-active (and slightly brave) approach to join up to the forum and I'm sure you will be able to add some insight and assistance. I hope it's viewed positively and constructively by all.
I currently have insurance with Flux Direct and have also used them in the past. Experience has been good to date.
Cheers
Nick
quote:
Originally posted by benchmark51
I took a policy out with AF for my kit car. At the same time I asked about a policy for a car I was hoping to buy. From the desciption of the car I was almost certain that I would buy it and drive it home (200 miles). I was given a price and before I knew it the amount was taken from my account (details were already given to pay for my kit car insurance). The following day I travelled to collect the new car, only to find it was not as described. Therefor I didn't buy it and cancelled the insurance policy the next day. You charged me £40 for that! Now I want my money back. Am I not covered by the rules of distance selling/buying and entitled to change my mind and cancel without penalty?
Hi Dan,
Not directly an AF problem but I would welcome the view of someone working in car insurance if possible
Somebody ran into the back of me while I was stationary on way to work at traffic lights, I guess he was on his phone, it was all sorted by his
insurance with no involvement from myself but I did notify my own insurance company. So far so good, I later discovered that as a named driver on my
children's policies I have to declare this incident - I feel that is inherently wrong as nothing to do with me -insurer concerned said if I had
lots of these ocurrences it might show I am travelling at peak times, I pay extra for commuting which must surely cover this -also other guy admitted
100% liability so it isn't like I sneakily reversed into him or anything stupid. Seems like they are just looking for info to help to load the
odds or am I just paranoid?
atb
Mike
My wife was "involved" in a no fault accident. Her car had a load of steel bars dropped on it while it was parked
She was charged an extra £30 on renewal, because, according to Swift insurance even if you are involved in a no fault
accident, you are very likely to have another one??????????????? 
2p from me
A few moons ago I was unfortunate to be involved in a single vehicle (at fault) accident, basically I flipped the GT1 over an hedge and into a field
upside down, was insured with AF.
Assessor came out, checked the car over we then sat and agreed parts cost and how long it would take (hours) to fix, agreed a hourly rate they
basically paid for the parts and paid me to fix my own car, painless and simple, I'm in my 15th year of kit ownership still with same insurer AF.
(premium surprisingly didn't increase much either)
For the above reasons whenever I'm asked I recommend AF.
quote:
Originally posted by trextr7monkey
Hi Dan,
Not directly an AF problem but I would welcome the view of someone working in car insurance if possible
Somebody ran into the back of me while I was stationary on way to work at traffic lights, I guess he was on his phone, it was all sorted by his insurance with no involvement from myself but I did notify my own insurance company. So far so good, I later discovered that as a named driver on my children's policies I have to declare this incident - I feel that is inherently wrong as nothing to do with me -insurer concerned said if I had lots of these ocurrences it might show I am travelling at peak times, I pay extra for commuting which must surely cover this -also other guy admitted 100% liability so it isn't like I sneakily reversed into him or anything stupid. Seems like they are just looking for info to help to load the odds or am I just paranoid?
atb
Mike
quote:
Originally posted by 40inches
My wife was "involved" in a no fault accident. Her car had a load of steel bars dropped on it while it was parked
She was charged an extra £30 on renewal, because, according to Swift insurance even if you are involved in a no fault
accident, you are very likely to have another one???????????????
quote:
Originally posted by Jon Ison
2p from me
A few moons ago I was unfortunate to be involved in a single vehicle (at fault) accident, basically I flipped the GT1 over an hedge and into a field upside down, was insured with AF.
Assessor came out, checked the car over we then sat and agreed parts cost and how long it would take (hours) to fix, agreed a hourly rate they basically paid for the parts and paid me to fix my own car, painless and simple, I'm in my 15th year of kit ownership still with same insurer AF. (premium surprisingly didn't increase much either)
For the above reasons whenever I'm asked I recommend AF.
quote:
Originally posted by DAN@ADRIAN FLUX
quote:
Originally posted by 40inches
My wife was "involved" in a no fault accident. Her car had a load of steel bars dropped on it while it was parked
She was charged an extra £30 on renewal, because, according to Swift insurance even if you are involved in a no fault
accident, you are very likely to have another one???????????????
Did she claim on her own insurance for the damage or did the place where the steel bars pay for the damage. If she claimed on hers it would have been a fault claim (even though it wasnt really her fault) - this is due to the insurer having to pay out. Not really sure why they would charge extra £30 for a non fault claim (im guessing the only claim you have on file) Was the £30 definitely for the claim? Maybe a bit harsh to advise you that you are more likely to have another claim after what actually happened in the claim but every company works differently.
Regards
Dan
I've always paid more for my non-fault, non-claim accident and now my other half has had to pay more for her non-fault non-claim accident. It's a farce, I would like to see the statistical evidence (and who generated it!) for this increase in premium. I suspect it's partially there to cover the folk who fraudulently claim but are not found out. This isn't fair to pass on to the other customers.
quote:
Originally posted by 40inches
quote:
Originally posted by DAN@ADRIAN FLUX
quote:
Originally posted by 40inches
My wife was "involved" in a no fault accident. Her car had a load of steel bars dropped on it while it was parked
She was charged an extra £30 on renewal, because, according to Swift insurance even if you are involved in a no fault
accident, you are very likely to have another one???????????????
Did she claim on her own insurance for the damage or did the place where the steel bars pay for the damage. If she claimed on hers it would have been a fault claim (even though it wasnt really her fault) - this is due to the insurer having to pay out. Not really sure why they would charge extra £30 for a non fault claim (im guessing the only claim you have on file) Was the £30 definitely for the claim? Maybe a bit harsh to advise you that you are more likely to have another claim after what actually happened in the claim but every company works differently.
Regards
Dan
The other party insurer paid up, a witness took the reg number and the driver left a note under the windscreen.
Swift said it was statistically proven that she was likely to have another non fault accident, she hasn't 6 years on.
It goes without saying Swift didn't get her custom.
Dan, do you have a contact number as I have a matter I would like to discuss.
Feel free to U2U if it's easier.
I have good and bad stories with AF but the same can be said for the other popular brokers. 2gether gave a a good quote but when the policy came
through, there were a few things wrong. They wanted more money to amend it, or they could cancel the policy but only refund a fraction of the
premium.
So, for these reasons, I 'phone all the brokers each year and compare. It's a shame really because I often end up with my four vehicles with
four different companies!! You'd think that there would be some reward for loyalty.
Anyhoo, well done Dan for poping in here. I used to 'see' you over on SBMCC but I rarely go there any more.
Hi Dan thanks for reply to my original post. My only concern is that if we ever claim for somerhing which we have done then the no fault / no expense
items logged suddenly contribute to extra premiumsM
Another issue from Admiral was my son changed his car to a smaller engine lower performance car again not supercars it was a. Fiat to a polo and the
premium requested went up! Apparently statistics clearly demonstrate that whenever you change your car you are more. Likely to bé involved in an
accident again we seem to bé living in the land of the emperors new clothes here as I have not read any articles anywhere about never buy a new car
because you will crash it!
Atb mike
quote:
Originally posted by johnny chimpo
Dan, do you have a contact number as I have a matter I would like to discuss.
Feel free to U2U if it's easier.
quote:
Originally posted by owelly
I have good and bad stories with AF but the same can be said for the other popular brokers. 2gether gave a a good quote but when the policy came through, there were a few things wrong. They wanted more money to amend it, or they could cancel the policy but only refund a fraction of the premium.
So, for these reasons, I 'phone all the brokers each year and compare. It's a shame really because I often end up with my four vehicles with four different companies!! You'd think that there would be some reward for loyalty.
Anyhoo, well done Dan for poping in here. I used to 'see' you over on SBMCC but I rarely go there any more.
Mike, don't forget model specific claim history has a big impact, especially for younger drivers.
quote:
Originally posted by trextr7monkey
Hi Dan thanks for reply to my original post. My only concern is that if we ever claim for somerhing which we have done then the no fault / no expense items logged suddenly contribute to extra premiumsM
Another issue from Admiral was my son changed his car to a smaller engine lower performance car again not supercars it was a. Fiat to a polo and the premium requested went up! Apparently statistics clearly demonstrate that whenever you change your car you are more. Likely to bé involved in an accident again we seem to bé living in the land of the emperors new clothes here as I have not read any articles anywhere about never buy a new car because you will crash it!
Atb mike
Dan,
I'm currently with AF for my kit car policy. I have full NCB (around 8 years iirc) but this is not currently being "used" for my
current policy as apparently my NCD wasn't needed.
My other car is a company car so my own NCB is irrelevant for that - are there any of your insurers who will take into account my NCB for my renewal
next year to ensure I don't use it? Otherwise I'm going to have a buy a bloody car just so I don't loose my NCB which seems silly.
quote:
Originally posted by jacko
Hi Dan
I have just seen this link
http://www.locostbuilders.co.uk/forum/51/viewthread.php?tid=189516
And wondered how we prove that we are members of this site when we ring you
I don't have a club card or any thing for Locost builders
It will be interesting to see what A/Flux renewal will be this year
All the best
Jacko
A generic question for an insurance qualified person
In my household I am the only driver, and have two cars, a diesel mondeo and my 7 why do I have to have two insurances running to cover two cars when
at any time, I can only drive one car
My assumption is based on that the highest risk factor is the person driving, and not what car that person is driving
and to be honest, I am probably a better driver, driving the 7 as its quite vulnerable on the road than an enormous lump of steel like a mondeo
just a question
regards
steve
quote:
Originally posted by theduck
Mike, don't forget model specific claim history has a big impact, especially for younger drivers.
quote:
Originally posted by jacko
quote:
Originally posted by jacko
Hi Dan
I have just seen this link
http://www.locostbuilders.co.uk/forum/51/viewthread.php?tid=189516
And wondered how we prove that we are members of this site when we ring you
I don't have a club card or any thing for Locost builders
It will be interesting to see what A/Flux renewal will be this year
All the best
Jacko
For Dan's attention you have not answered this yet
Thanks
Jacko
quote:
Originally posted by daveb666
Dan,
I'm currently with AF for my kit car policy. I have full NCB (around 8 years iirc) but this is not currently being "used" for my current policy as apparently my NCD wasn't needed.
My other car is a company car so my own NCB is irrelevant for that - are there any of your insurers who will take into account my NCB for my renewal next year to ensure I don't use it? Otherwise I'm going to have a buy a bloody car just so I don't loose my NCB which seems silly.
quote:
Originally posted by steve m
A generic question for an insurance qualified person
In my household I am the only driver, and have two cars, a diesel mondeo and my 7 why do I have to have two insurances running to cover two cars when at any time, I can only drive one car
My assumption is based on that the highest risk factor is the person driving, and not what car that person is driving
and to be honest, I am probably a better driver, driving the 7 as its quite vulnerable on the road than an enormous lump of steel like a mondeo
just a question
regards
steve
Dan, just for your information:
I phoned AF twice on Tuesday and asked to speak to you but was told that you were unavailable. The 'phone operatives were less than helpfull so I
ended-up taking my business elsewhere.
quote:
Originally posted by owelly
Dan, just for your information:
I phoned AF twice on Tuesday and asked to speak to you but was told that you were unavailable. The 'phone operatives were less than helpfull so I ended-up taking my business elsewhere.
Dan I have sent you a question via a pm.
Matty
u2u sent Dan.