S2C Forum Archives
Main Section => Welcome to our virtual Pub Meeting ... => Topic started by: jeffersj on December 17, 2022, 12:08:22 PM
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What is going on at Adrian Flux? Insurance renewal due 07/01 but no renewal quotation received so contacted them only to get a quote over £200 more than previous year when there are no changes to car or status? No reasons given. I contacted Footman James and have been given cover for £129 including club discount so goodbye Adrian Flux.
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I don't think it's just Adrian Flux with the prices, it pays to move regularly. I had a similar situation with car insurance and with the land rover insurance Adrian Flux was the cheapest option after Hagertys renewal was randomly much higher.
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Dan from AF pops up here occasionally. Why not message him directly and ask him?
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In reply to the initial question.
They don't know what day of the week it is. Who ever is pulling the strings at that company has instructed the staff to give the customers a financial shafting at any opportunity. Goodbye indeed!
The above is all my personal opinion from past experiences.
Calum.
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Isn't there a law/regulation in place now that insurance companies can not offer a renewal price different to what they offer a new customer ???
If there isn't then we should demand that our MPs make it so (OK wishful thinking) :shakeinghead
This "shopping around" every year for the best deal is a total nonsense and waste of everyone's time. They just need to treat existing customers fairly - show a little loyalty ???
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Agrre to all, I did mention that change in the law to offer the same rate as new customers but it made no difference. Quite happy with Footman James! :first
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Peter Best. £133.70 includes agreed valuation, legal cover and broker fee. It's for a 1975: Series 3 SWB hardtop with a 2.5 petrol engine, agreed valuation £6,000. I'm happy with it.
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Just renewed with Heritage £406 for all 3, a 110, 109 and an 88. with all the usual extras
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I got a quote from Adrian Flux a few years ago and it was ridiculously expensive.
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Peter Best. £133.70 includes agreed valuation, legal cover and broker fee. It's for a 1975: Series 3 SWB hardtop with a 2.5 petrol engine, agreed valuation £6,000. I'm happy with it.
Forgot to mention breakdown service included.
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Hi.
I'm sorry to here about the issues you've had with your renewal this year.
I'd appreciate it if you could message me your details so I can check your file to see why your renewal was so much higher than last year.
Regards,
Dan.
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Hi,
I recently read a novel by Dick Francis (always a ripping yarn), but I can't remember the title, where the hero had the job of plucking insurance premiums for race horses out of thin air .... his loss if he got it wrong.
Memory says this story had something to do with the stud value of a particular stallion, so the item being insured was a stallions "fecundity/potency" ... in this case the stallion appeared to be a "Wally". Was the Vendor aware?
Somebody else here must have read this book, so able to comment on my understanding.
(I will be sending a PM to Wittsend, with a further comment)
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I don't see the problem. This is business we speak of. It's allowed to charge what it likes, and you're allowed NOT to pay it. Tell them to go whistle or pay it.
Same as you're allowed to resign from your job / charge your customer more. My offer of £50 for your S2 stands, and you're entitled to tell yours truly where to get off, or take it. Equally, you can ask £250,000. Er, and?...
You might not like it, and fair enough. They've done their numbers and know that the majority are too idle to move at renewal, thus will simply pay it. They offered you the lowest rate at proposal to grab the gravy 2-3 year on. Now it's gravy time. Good for them.
And in the same way, as you became more useful to your customer or employer, you got a pay/price increase. Good for you. Did you turn it down? Did you hell.
OP got it for £129. He walked. Good. See... it works.
Why do we feel an entitlement. Where's the problem?
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In reply to the initial question.
They don't know what day of the week it is. Who ever is pulling the strings at that company has instructed the staff to give the customers a financial shafting at any opportunity. Goodbye indeed!
The above is all my personal opinion from past experiences.
Calum.
You are not alone, it's my opinion also. After past experiences at Adrian Flux I don't even both to contact them for a quote.
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Then we agree. They DO know what day of the week it is. And so DO we.
There is no problem with this. We get the lowest price if that is what we want.
Business in general, and the insurance market in particular has always worked like this. More so since the comparison sites entered the scene.
We want the lowest price, thus insurers hook us in, and charge down the line - feeding on the ambivalence / prevarication and procrastination of the majority.
Buyers pretend to have loyalty, yet the minute an offer better serves self-interest, it's taken.
Don't say it isn't.
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Hi,.
I BELIEVE that insurers have quirky little rules that are difficult to understand ... or in my case, remember.
I believe that the premium can be affected favourably by having/not having a second driver, or by having (or having access to) a second vehicle ... would a street legal moped be sufficient and viable?
I can accept that a high annual mileage attracts a high premium, but I believe a low annual mileage can also adversely affect the premium. ???O
Slightly OT, but I investigated my own insurers (LV), some years ago, and found they DO/DID insure Classic cars. My failing memory suggests that they had only one premium .... in double figures, but required it to be a second car, to be kept in a garage overnight, and limited to 5,000 miles per year. At that time, I did not have a garage, and it was my only car, so did not investigate further.
Things have changed ... Barbara's Hyundai (bought new) hit it's first MOT, with less than 10,000 miles on the clock, (mostly my miles), and my Freelander covered 2,284 miles during my first year of ownership. As it's next MOT was a freebie PRE-MOT, there is no record of the then mileage. My relationship with the garage who presented the car, on my behalf, was somewhat soured by their offer to buy. (£25, later raised to £50, with the FULL tank of diesel. not being factored in).
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FAO. Dan.
PS. It's just dawned on me that Barbara's Hyundai IX20 is coming up for it's fourth birthday, and (I think) insurance renewal time. I'll check that and PM you. I'd like to stay with LV, but not if they are going to play "hardball".
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We get the lowest price if that is what we want.
Hi,
Quite a few years ago, I read advice, to the effect ... "For TPO (Third Party Only) cover, take the lowest premium offered .... THEY HAVE TO PAY THE OTHER BLOKE.
On the other hand, for Fully Comp cover, where they pay YOU, you should choose the Insurer who gives the best service, coz it's you who will suffer if they muck you about.
More recently, I have read that TPO insurance can be more expensive than Fully Comp, but I didn't understand the reasons given.
I always choose to pay the extra (£10?) for Legal Cover, and was proved right when Barbara's SAAB was written-off by the tail-lift of an under-taking supermarket articulated pantechnicon, that changed lanes. This was on a 50mph "road-works" section of the M4. Undertaking is permitted (Highway Code), when the inner line of traffic is travelling faster than the outer line
(you are not allowed to repeatedly zig-zag through the traffic). Barbara managed to phone me with the trucks registration, while chasing it.
With hindsight, a dash-cam would have been useful. Thinks ... where can I get a label saying ... "Rear view camera fitted".
The owners of the truck ignored all letters ... apparently they were self-insured (permitted by the RTA, but requires a lot of money to be deposited with the Attorney General. Don't bother unless LOTTO are funding it. £1,000,000 last time I looked, which wasn't recently. I think it's mentioned in the RTA .... Para.143? It also mentions that the Insurers may sue the Policy Holder, to recover their losses, but I've never heard of that happening.
Also OT. When the XKE was introduced (1971? About £1,000, I think) the insurance companies received a lot of proposals from 21 year old "Motor Traders" :whistle One of my RAF mates had watched Jaguar shares rising, guessed somebody knew something, but couldn't do anything, as he was currently involved in a X-Flight convoy.
Very OT ... Barbara mentioned that photo driving licences were going to be introduced. Our son phoned his mate, who bought shares in a photo-booth company ... and made a killing.
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