Join Date: Jun 2008
Location: Behind the wheel
Adrian Flux - Beware
Long post but please read, it's important.
Insurance policy just expired with Equity Red Star through Adrian Flux. They were the cheapest in 2011 for my Gtv so naturally I went with them.
Here's where the fun begins. My policy was due to expire on 26/1/12, I am still waiting to recieve my policy renewal documents but have had a couple of letters telling me I should contact them to discuss my renewal. Now having done that last week, found out the renewal price would be £490 or thereabouts. Of course the first thing i did was to go online and shop around. Managed to get a price of £302 when my 8 years NCB are applied. Job jobbed.
I get on the phone to AF to discuss things, they cant get anywhere near my cheap quote so we decide not to take things further and they will forward on my letter of NCB entitlement so that I can then forward it on to my current insurer. All going as it should so far, as you would expect.
Wind the clock forward to today, 31/1/12, a couple of letters arrive at my house from AF. Open both only to find out that they both say I am entitled to zero NCB. Sod all. Nothing. I'm now thinking this is a misprint so I gets on the phone to AF and after explaining the story to them, I am told that because my car was insured on a classic car policy - which I didn't ask for, nor was I informed that it was such - the classic policy doesn't accrue any no claims bonus. Have you ever heard of this? Because it's a new one on me! So I ask them if they can forward on a letter to me for my current insurers proving that I have the previously built up 7 years NCB, prior to insuring with AF, they cannot do this as they were not the insurers from 2010-2011. So now basically at this point, I have no no claims bonus. Luckily, I have been onto that years insurers, Axa, and they can confirm that I am entitled to 7 years NCB and that proof is in the post for my current insurers.
The downside of all this of course is that I am an extra years NCB down and AF took my premium in 2011, which was around the £530 mark, by deception. Not disclosing facts that were crucial to my insurance policy and future insurance. AF, if you happen to read this then for your own sake, sort out your customer communication. You are getting an extremely bad reputation very quickly. Not disclosing information at the point of sale is disgusting, I am a years NCB down on where I should be and frankly, last years insurance is now meaningless and I am £530 out of pocket. For any new customers, beware of Adrian Flux putting you on a classic car policy and make sure you know if it will or won't earn you a year NCB and also ask them if they require proof of your previous earned no claims bonus, because they dont ask you for it and screw you over at renewal time and especially if you decide not to renew with them!
Customer service department were not very helpful either, fobbing me off with any lame excuse they could think of. You would be wise to avoid this company