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(Post Link) post #1 of 37 Old 12-12-11 Thread Starter
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Fluxdirect, Absolute scammers :(

Hi Guys,

I'm lost for words at the moment, I thought I would call Fluxdirect who i'm currently insured with, I called them to remove the commuting element off of my policy as I'm currently a 'House Husband' For them to do this meant changing the policy at an extra cost of £69, I then said about I do the occasional shift at our local pub of which is 500 yards up the road (I walk) they then said this invalidates my policy and would meen I have to cancel it at a cost of £147, Also resulting in losing the 6 months NC i've earnt since renewal. What on earth am I to do, Why would I have to pay extra for the fact that I will be at home, not using the GTV as much, the occasional drive to the shop which is 3 miles down the road.
The pub work isn't even a full job, It's an occasional evening if I'm bored!!!
If they cancel the policy there is no way on earth I'm paying the money, I thought they were a good company but now it looks like i'll have to move to someone else and lose 6 months.

What a ****ing Joke

You've just been done by a Twinny!
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Heads they win, tails we lose, can't abide the rip off industry
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Give Chris Knott Insurance a ring, i've been with them a year and they make my previous insurance company look a complete joke. Their fees for changes are completly fair, i've just gone from a 1.8 to a V6 and it's not cost me alot at all!!
 
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I'm tempted, but then Fluxdirect will charge me £147 for cancelling the policy, If I refuse to pay it they'll then send the red letters with the bailiffs,
Even if I then phone Flux tomorrow and stop the work at the pub, they'll still charge me £69 for changing myself to a 'House Husband'
Which Authority should I contact for legal advice?
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Probably not what you want hear but about 2 months ago I added commuting to my policy with Flux and it was free of charge. This is a classic policy on a Corvette, not an Alfa, though wouldn't expect that to matter.Flux are brokers, I would imagine the insurance underwriters are the ones wanting the extra.
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I'd start by ringing Flux again and complaining, and demanding to speak to someone senior. They might relent. Then try the Citizen's Advice Bureau, taking your policy etc to them. They're free.

Best of luck.
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CAB won't help much, Unfortunately I gave them a lot of training while I was working for the Gov! So I know what feedback i'll get from them
I may just cancel the policy and sod the charge, They won't be getting any of my money if this is how they work.
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Quote:
Originally Posted by Davemackenzie View Post
Hi Guys,

I'm lost for words at the moment, I thought I would call Fluxdirect who i'm currently insured with, I called them to remove the commuting element off of my policy as I'm currently a 'House Husband' For them to do this meant changing the policy at an extra cost of £69, I then said about I do the occasional shift at our local pub of which is 500 yards up the road (I walk) they then said this invalidates my policy and would meen I have to cancel it at a cost of £147, Also resulting in losing the 6 months NC i've earnt since renewal. What on earth am I to do, Why would I have to pay extra for the fact that I will be at home, not using the GTV as much, the occasional drive to the shop which is 3 miles down the road.
The pub work isn't even a full job, It's an occasional evening if I'm bored!!!
If they cancel the policy there is no way on earth I'm paying the money, I thought they were a good company but now it looks like i'll have to move to someone else and lose 6 months.

What a ****ing Joke

Morning ,

If you pm me your details and i will get this looked into for you.
Can you please pm me your full name, reference number, postcode and contact telephone number.

Many thanks
Dan.
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(Post Link) post #9 of 37 Old 13-12-11 Thread Starter
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Hi Dan,
PM Sent
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As much as it does suck, having just changed my policy to a new insurer and read the small print (along with that on my old one) it's fairly standard for them to charge an admin fee for amendments like this. They're all set out in the original policy documents, so as much as it hurts that is what you agreed to when you took the policy...

What I will say though is that generally if you're making a change like that it would bring the premium down meaning they knock the charge off against any reduction.

Direct Line charged me a fee of £28 to cancel, but because I'd just paid my monthly payment of £48 I ended up with £20 back off them...
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Exactly, there should be a refund if anything, It doesn't state in the T&C's about the charge costs though, this meens they can make up a figure, I talked to the Financial Ombudsman helpline and they said the £147 cancellation fee is rediculous and that it should be a true value to the admin cost involved which apparently should be no more than £28. They also said to me that I shouldn't be penalised for being a house husband, I was told to just give up the policy and move to someone else, If Flux cannot offer me a discount etc then they're not worth carrying on with.
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I was backed into a corner by Flux last year when I changed my Insurance from my Ford Puma to my BMW.

I paid around £300 to insure my Puma, then after 3 months decided to change my policy to the BMW. I was quoted £220 to do the change.

This annoyed me a bit, as I could insuire the BMW for £300 elsewhere, and most insurers were quoting less than for the Puma.

I enquired about cancelling and was pretty much told that if I cancelled I wouldn't get any money back, so I was forced to either pay the £220 or loose 9 months of insurance.

In the end I paid the £220, and after a bit of complaining AF did give me my £20 admin charge back, but even so I was still not very impressed.

When my premium was due for renewal on the BMW AF sent me a quote of over £600 TPFT, so it was bye bye from me, and it the last time I will ever deal with them.

For the record I managed to get my Premium for £270 with Admiral for the same level of cover, and to include the Missus (Who has only been driving 2 years) cost me £430

Giulietta 2.0JTDm (170), BMW 335i Cabrio
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(Post Link) post #13 of 37 Old 13-12-11 Thread Starter
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It really does take the ****, I'm still waiting for their phonecall, If my cover cancels this evening then we'll really see how poor this company are. I'll also send the info to a local newspaper who are always looking for stories like this.
The most annoying thing is I will lose this period of NC if I take up with another insurer, but I guess that's a sacrifice i'll have to make for peace of mind!
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Oh well, still no call.
I'll be giving Mr Knott a call tomorrow about a new quote, I'll also be sending Fluxdirect a letter along with my copy of the Insurance cert etc. Very dissapointed considering they're a british company, But I guess that meens nothing these days as we're all just numbers who pay stupid amounts of money for nothing!
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As far as I know Adrian flux are a broker not a underwriter, contact whoever your insurance is underwritten by and see if they will make the changes.

Why pay a thieving middleman?
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Unable to deal with my Insurer directly, They've got it all set so that I contact Flux for any problems etc, Not the most convenient I have to admit!
I'll be doing quotes tomorrow morning unfortunately, Soo ****ed off about this whole mess!!!
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Quote:
Originally Posted by GhostyDog View Post
As far as I know Adrian flux are a broker not a underwriter, contact whoever your insurance is underwritten by and see if they will make the changes.

Why pay a thieving middleman?
In their defence, they mostly they get people better deals than going to the underwriter in the first place, so they do serve a purpose.

In my experience with Flux, they are cheap to begin with but if you want to make any changes then that is when they will sting you. I have been in a similar situation before with them when I've wanted to change one car to another early on in the policy and the option of pay £xxx which is almost on a par with taking out another full 12 month policy with a different insurer or cancel the policy with no refund is a bitter pill to swallow, not much you can do about it though.

Perhaps your increase in policy cost even though you will now cover less miles is that people who are home-makers are more likely to be involved in an incident?

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I was an insurance broker many years ago and it was common practice to take any refunds by insurance company's due to cancellation and swallow it as an admin charge no matter if it was £1 or £100 pound, the customer never saw a penny from any refund.
 
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So basically, because i'm at home, If I stare at the car hard enough it may combust which may make me a higher risk, Or, Because I may be at home drinking a cup of tea and my Kinetic powers will drive the car down the road on 2 wheels, take out a pushchair and several cars and a few buildings on the way!
The only reason the government aren't penalising insurers is because the insurers pay the Gov a lot of under the table expenses in return. Same goes for Pharmaceutical companies.
I've hardly used the car at all, I live in a Hamlet, the pub is 800 yards down the road, next door to the greengrocers, up from that is a local Seat garage who repair any kind of car, It's practically self sufficient around here, I only use the GTV for pleasure, probably covering less than 4k in miles per year!!!

Yet my insurance with Flux was £767 per year with 8000 max miles, TPFT, The same policy the year before was £1250 but I was happy to pay it considering it was a british company,
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Quote:
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I was an insurance broker many years ago and it was common practice to take any refunds by insurance company's due to cancellation and swallow it as an admin charge no matter if it was £1 or £100 pound, the customer never saw a penny from any refund.
Ouch! That's just legal theft
 
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Would I be wrong in thinking that telling your insurance company things that they don't need to know and have no way of finding out is all a bit pointless. If you were to tell them you played in a band one night a week or worked at the bookies on Saturday mornings you wouldn't get insured on anything let alone an Alfa.
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(Post Link) post #22 of 37 Old 14-12-11 Thread Starter
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Very true, I feel very stupid for even making the phone call now!
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Just had a call with a Solicitor, He said it was unacceptable what's happened and has suggested that I send them a formal complaint with a CC to my local MP and the Daily Echo for backing, I phoned in good faith to ammend some details but they've taken it out of context and don't have the right to charge any fee's or 'Swallow' my money up with irregular admin fee's. They also had no right to cancel the policy without my permission and then charge me for it.
This saga will continue!
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Not exactly looking good for them is it. Specialist insurers trying to tuck up their customers can't be good for business. Bad news travels fast among car enthusiasts.
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Phoned up Chris Knott insurance, same policy details etc, and they've knocked off £150 of what I was originally paying, even though it's the same insurer (Equity Redstar) So I can now pop out in the Alfa again!!! Plus I get free legal cover this time instead of £49 that I had to pay separately to flux before!!!
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