Adrian Flux insurance?? - Alfa Romeo Forum
You are currently unregistered, register for more features.    
Adrian Flux Insurance Looking for advice on insuring your Alfa Romeo?
Click here for an online quotation

 8Likes
Reply
 
Thread Tools
(Post Link) post #1 of 27 Old 13-02-19 Thread Starter
Status: Living the dream!
AO Silver Member
 
Topic's Avatar
 
Join Date: Feb 2017
Location: Wellington
County: Shropshire
Posts: 2,887
Garage
Angry Adrian Flux insurance??

After obtaining a quote from my current provider, I thought I would give AF a try (based on comments on here and the discount on offer?).
Now keeping in mind I have NEVER paid any more than around £285.00 fully comp with over 14yrs no claims, no convictions, no claims etc etc etc...
So, I have my Brera insured with LV at £235.00 and to add the Spider was going to be an additional £180.42 (very reasonable) I also carried out a quick check on Compare the Meerkat and they came out on par.
So Adrian Flux after a long conversation with the young lady and after checking with her underwriter came back at £700!!!!!
‘HOW MUCH’?
So won’t be trying Mr.Flux ever again....:disappointed :

Alrite-kid
Topic is offline  
Sponsored Links
Advertisement
 
Status: -
AO Silver Member
 
Clay19's Avatar
 
Join Date: Aug 2016
County: -
Posts: 1,558
Adrian Flux insurance??

I’m just waiting for Dan from Arian flux to pop up, to see what he makes of it all. He usually does on a car insurance thread.

Insurance companies usually state it’s all based on the cover you will receive when you say “ how much “ making out their deal must be more comprehensive.

That’s a cracking deal from LV by - the - way


Sent from my iPhone using Tapatalk
Clay19 is offline  
Status: turning heads everywhere
AO Gold Member
 
lussoman's Avatar
 
Join Date: Feb 2007
Location: Fulwood, Preston
County: Lancashire
Posts: 6,478
I'd assumed as much.
Comparison sites are the way forward these days.
Too much of a rigmarole to go through it all with individual companies.
Mine's £236 with General Accident.
Clay19 likes this.
lussoman is offline  
Status: -
AO Silver Member
 
Clay19's Avatar
 
Join Date: Aug 2016
County: -
Posts: 1,558
Adrian Flux insurance??

Mines £400 with 11 years NCB, clean licence, no accidents, etc.
Wife on it too (makes it cheaper, even though she’d have to prize the key from my cold dead hands)
More than insurance. Still More than I’d like to pay, mind you no pun intended


Sent from my iPhone using Tapatalk
Clay19 is offline  
Status: turning heads everywhere
AO Gold Member
 
lussoman's Avatar
 
Join Date: Feb 2007
Location: Fulwood, Preston
County: Lancashire
Posts: 6,478
The 'price you pay' for running a V6 Clay.
What about that Audi V6 you have - another £400??
lussoman is offline  
Status: Leaning towards keeping the Spider
AO Member
 
Ryan_The_Spider's Avatar
 
Join Date: Jul 2011
Location: United Kingdom
County: Warwickshire
Posts: 627

Member car:

Giulia Veloce

AF also take into consideration track days and driving your car abroad. They also better if you declare any mods. I think that is how they justify their price.
Ryan_The_Spider is offline  
Status: -
AO Member
 
Join Date: Mar 2017
County: -
Posts: 121
I've tried AF a few times through the years, and their quotes have always been very high for me - don't know why.
Topic likes this.
Dave964 is offline  
Status: -
AO Silver Member
 
Clay19's Avatar
 
Join Date: Aug 2016
County: -
Posts: 1,558
Quote:
Originally Posted by lussoman View Post
The 'price you pay' for running a V6 Clay.
What about that Audi V6 you have - another £400??


Yes, it came out the same on the comparison websites. I just have the one car Tax’d and insured for now.


Sent from my iPhone using Tapatalk
lussoman likes this.
Clay19 is offline  
Status: just a bit more fettling....
AO Silver Member
 
Join Date: Apr 2016
Location: Bristol
County: Avon
Posts: 1,051
I'm with Adrian flux/flux direct and they always far the cheapest for me. For my 2.4 I pay about £400, fully comp, all mods declared, and I'm 26.....which includes driving other cars also fully comprehensive up to 20k current market value, and otherwise standard 3rd party. Pretty good I thought, and still getting lots cheaper each year as I get older and more NCB.
Larry92 is offline  
Status: turning heads everywhere
AO Gold Member
 
lussoman's Avatar
 
Join Date: Feb 2007
Location: Fulwood, Preston
County: Lancashire
Posts: 6,478
Quote:
Originally Posted by Clay19 View Post
Yes, it came out the same on the comparison websites. I just have the one car Tax’d and insured for now.


Sent from my iPhone using Tapatalk
Ah yes, I was forgetting the Brera goes into hibernation through the winter.
Cover for two V6s would probably need specialist insurance I'd guess to keep the price down.
lussoman is offline  
Status: Enjoying the mid-life Crisis
AO Member
 
Angoose's Avatar
 
Join Date: Nov 2013
Location: United Kingdom
County: Essex
Posts: 480

Member car:

Brera S

Different insurers target different demographics. As stated AF tend to be good with modified cars. I benefit from postcode and age, paying 160 with Aviva for the Scenic and 280 for the Alfa (but that's a specialist any driver policy - I could do it for under 200 otherwise). Even my wife only pays 160 for a Mini Roadster JCW.
Angoose is offline  
Status: zzzzzzzz
AO Platinum Member
 
symon's Avatar
 
Join Date: Dec 2005
Location: United Kingdom
County: Oxfordshire
Posts: 36,858
After what happened to me a few years back with AF I won't use them again.

To cut a long story short I tried to change vehicle a few months into the policy. The car should have cost only a small amount more due to being in a similar group but I was left with the option or either cancelling the policy and getting next to nothing back, or paying an extortionate amount to change (more than taking out a complete new policy for the new car)

I am currently with direct line who came out cheaper than I could find on comparison websites.

Also some comparison sites are cheaper than others for the same policies.

Identical policies were cheaper through confused than through Compare the market...
Topic likes this.

Giulietta 2.0JTDm (170), BMW 335i Cabrio
symon is offline  
Status: -
AO Member
 
Join Date: Mar 2018
County: -
Posts: 38
Garage
I have my 156 GTA & "Resto-modded" GTV6 with AF on classic policies, and am very happy with the premiums, agreed-value levels and flexibility regarding mods.

When I asked for a non-classic quote for a Brera Q4, the quote was not particularly competitive, and I also went with Direct line (after checking a comparison site).

I guess, at the end of the day, insurance companies are free to offer whatever premiums they like, and we're free to shop around to ensure we get the best deal.
Ian996r is offline  
Status: -
AO Member
 
Big Chris 1209's Avatar
 
Join Date: Nov 2012
Location: United Kingdom
County: Buckinghamshire
Posts: 48
Garage

Member car:

ALFA 159

I was with AF when I bought my 156 about 6 years ago. the rep told me to mod it as the insurance would be cheaper. I put an induction kit on it & saved £115 a year. I don't know if insurance where you all live is cheaper, as I have 14 years NCB no claims or offences, & I'm 50. my 159ti 2.4 cost just over £650 Full comp. That's with AXA through meerkat.
Big Chris 1209 is offline  
Status: just a bit more fettling....
AO Silver Member
 
Join Date: Apr 2016
Location: Bristol
County: Avon
Posts: 1,051
Quote:
Originally Posted by Big Chris 1209 View Post
I was with AF when I bought my 156 about 6 years ago. the rep told me to mod it as the insurance would be cheaper. I put an induction kit on it & saved £115 a year. I don't know if insurance where you all live is cheaper, as I have 14 years NCB no claims or offences, & I'm 50. my 159ti 2.4 cost just over £650 Full comp. That's with AXA through meerkat.
crikey. im half your age and my premium is about 30% lower than that with modes declared. But like you say, address makes a huge difference.
Larry92 is offline  
Status: 1 Subaru, 2 Bussos,noAlfa!
AO Silver Member
 
mj2k's Avatar
 
Join Date: Sep 2015
County: Herts
Posts: 1,445
Garage

Member car:

Subaru Legacy H6

I don't really understand Alfa insurance pricing at all, it seems to be all over the place!

My 156 gta was insured through directline, and it cost around £100 per year less to insure than my Pug 306 Roland Garros, despite replacement body panels being vastly more expensive and doing 0-60 in half the time! It was also roughly half the price of insuring a 916 gtv 3.0, despite the gtv being somewhat more common and fitted with a smaller engine.

So I suspect the larger insurers must get the car specs mixed up sometimes, and I suspect if I'd needed to make a claim even for a replacement bumper the gta would have been written off...

Which is one good reason for using an indy - if your car's low mileage (mine certainly wasn't), in really good condition or heading towards being a classic, you can try to get agreed value insurance that should save your car from an unnecessary 'cat' label.

Edit: BTW I have had experience with that many years back - I was insured with one of the smaller companies on the price comparison sites (one of the 2 cheapest whichever site you use) and the bumpers on my immaculate Xsara VTS got cracked in a low speed pileup on a slip road. It would have only cost me under £50 each for identical bumpers off another 2nd hand 'cooking' Xsara and half an hour's work to fit, but the insurance company concerned insisted the car was a write-off, wouldn't allow me to buy the car back and wouldn't negotiate about the repair at all! Long story short - using the cheapo insurer off a price comparison site resulted in a very rare car being scrapped for a couple of quid's worth of parts.

Last edited by mj2k; 15-02-19 at 08:52.
mj2k is offline  
Status: -
AO Traders
 
DAN@ADRIAN FLUX's Avatar
 
Join Date: Jan 2007
Location: United Kingdom
County: Norfolk
Posts: 563

Member car:

Alfa

Quote:
Originally Posted by Topic View Post
After obtaining a quote from my current provider, I thought I would give AF a try (based on comments on here and the discount on offer?).
Now keeping in mind I have NEVER paid any more than around £285.00 fully comp with over 14yrs no claims, no convictions, no claims etc etc etc...
So, I have my Brera insured with LV at £235.00 and to add the Spider was going to be an additional £180.42 (very reasonable) I also carried out a quick check on Compare the Meerkat and they came out on par.
So Adrian Flux after a long conversation with the young lady and after checking with her underwriter came back at £700!!!!!
‘HOW MUCH’?
So won’t be trying Mr.Flux ever again....:disappointed :
Hi.
I'm sorry that we would appear not to be able to offer you a competitive premium. I'm quite surprised that we seem to be so far out on price though. If you would like to PM me your details I can at least take a look at the details and see why.
Regards,
Dan.
[email protected] FLUX is offline  
Status: -
AO Member
 
Join Date: Oct 2007
Location: Bedfordshire
Posts: 59

Member car:

Giulietta QV

I have had many quotes from AF over the years and they have always been double what I could get elsewhere, even the excess payments were crazy high.
Topic likes this.
SimonR66 is offline  
(Post Link) post #19 of 27 Old 16-02-19 Thread Starter
Status: Living the dream!
AO Silver Member
 
Topic's Avatar
 
Join Date: Feb 2017
Location: Wellington
County: Shropshire
Posts: 2,887
Garage
Quote:
Originally Posted by [email protected] FLUX View Post
Hi.
I'm sorry that we would appear not to be able to offer you a competitive premium. I'm quite surprised that we seem to be so far out on price though. If you would like to PM me your details I can at least take a look at the details and see why.
Regards,
Dan.
Hi Dan,
It’s done and dusted now, thanks for the offer.
For your own piece of mind you can look up insuring a 2.2 Spider (2010) for a 56yr old with over 14yrs no claims, no convictions, penalties or anything else come to that. My wife on the policy at 47yrs same scenario but zero years no claims.
I have access to my Brera as another car.
Social domestic and commuting.
Protected no claims although this car will start at zero.
Fully comp.
Less tha 4000 miles p/yr (stored over winter)
Kept locked up at the property.
Dash cam fitted.
Let me know what you come up with out of curiosity?
Compare the market type companies all start around £240 if you scroll down the quotes to the more ridiculous they can quote £3200 (RAC for example) so with a quote of £700 you are somewhere in the top most expensive insurance companies.
Topic is offline  
Status: turning heads everywhere
AO Gold Member
 
lussoman's Avatar
 
Join Date: Feb 2007
Location: Fulwood, Preston
County: Lancashire
Posts: 6,478
I've always been wary about insurance companies who try to come across as 'specialists', and as though they're going to do you a favour.
If Adrian Flux are only competitive in modded cars then let it be known.
Had a lot of nonsense with insurance firms in my Porsche days - all these specialist sports car insurers trying to get your business, and high street brokers like Hill House Hammond and Swinton always found regular companies that beat them time and time again.
Topic likes this.
lussoman is offline  
Status: -
AO Silver Member
 
Clay19's Avatar
 
Join Date: Aug 2016
County: -
Posts: 1,558
The best insurance companies are the ones that payout swiftly without trying to wriggle out of paying with legal jargon.


Sent from my iPhone using Tapatalk
Topic likes this.
Clay19 is offline  
Status: turning heads everywhere
AO Gold Member
 
lussoman's Avatar
 
Join Date: Feb 2007
Location: Fulwood, Preston
County: Lancashire
Posts: 6,478
Is there a list then of ones that payout swiftly??
If nobody knows, it's simply a case of using a well known company that's the cheapest...
lussoman is offline  
Status: -
AO Silver Member
 
Clay19's Avatar
 
Join Date: Aug 2016
County: -
Posts: 1,558
Adrian Flux insurance??

See, with insurance it’s like putting a bet on at the bookies.
For them it’s all based on risk assessment.

As you know there’s numerous different insurance polices. Life, home, travel, car, etc.
Insurance companies will have claims made against them, so for every £1 they take they could payback 98 pence in the pound.
If they’re unlucky, way over 100% loss of profit.
So some are very reluctant to payout right away, or they like to declare your car a total loss over a little shunt to get rid of you.

It’s all based on experience which are the ones to avoid. Even the big names don’t like to payout.
Probably why some insurance companies avoid price comparison sites, and pay for advertisements instead to gather in the safer drivers, not just the ones looking to pay the least for their car insurance..


Sent from my iPhone using Tapatalk
mj2k likes this.

Last edited by Clay19; 16-02-19 at 15:57.
Clay19 is offline  
Status: turning heads everywhere
AO Gold Member
 
lussoman's Avatar
 
Join Date: Feb 2007
Location: Fulwood, Preston
County: Lancashire
Posts: 6,478
I must be one of the lucky ones I guess.
Many many years ago 'when I were a lad', I made a couple of claims and these were sorted no problem.
Never had any issues whatsoever using a household name at the cheapest price, but then I've never had to call on an insurance company for donkey's years. Long may it continue...
lussoman is offline  
Status: Alive
AO Member
 
triumph72's Avatar
 
Join Date: Jan 2013
Location: United Kingdom
County: Hampshire
Posts: 99
I have two GTV's and a knackered Citroen C4. All were insured with AF, both GTV renewals were due at the end of Jan, C4 not till August - so I thought a multicar deal would be sensible, asked AF and wasn't that impressed.

Got on to Admiral - I now have the V6 (including mods declared Q2, Alfaholics handling Kit) @ £137.83, the twin spark @ £100.63. When the Citroen gets added in Aug its another £54.
triumph72 is offline  
Reply

Go Back   Alfa Romeo Forum > Vendors > Insurance Section > Adrian Flux Insurance

Tags
adrian , flux , insurance

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Similar Threads
Thread Thread Starter Forum Replies Last Post
So who took out insurance through Adrian flux / AO Club? alfaowner Adrian Flux Insurance 248 28-12-11 07:49
Adrian Flux Insurance TOX1C Adrian Flux Insurance 9 04-09-09 15:55
Adrian Flux insurance woes - WTF!!!! jackliebling General Alfa Discussion 6 01-06-07 08:58
Adrian Flux Discounted Home Insurance. [email protected] FLUX Adrian Flux Insurance 2 23-01-07 13:13

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

 
For the best viewing experience please update your browser to Google Chrome