Adrian Flux - Beware - 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

Reply
 
Thread Tools
(Post Link) post #1 of 41 Old 31-01-12 Thread Starter
Gaz
Status: Privileged
Regional Support North
Is there a meet near you?
 
Gaz's Avatar
 
Join Date: Jun 2008
Location: Behind the wheel
County: Lancashire
Posts: 63,331
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

Gaz is offline  
Sponsored Links
Advertisement
 
Status: #keepFightingMichael
AO Gold Member
 
EauRouge's Avatar
 
Join Date: Jun 2009
Location: Suriname
County: Brokopondo
Posts: 7,703
Contact the Financial Services Authority Gaz, in your last insurance it should clearly state 'Classic Car Insurance' if it doesn't you have a case pal.
EauRouge is offline  
(Post Link) post #3 of 41 Old 31-01-12 Thread Starter
Gaz
Status: Privileged
Regional Support North
Is there a meet near you?
 
Gaz's Avatar
 
Join Date: Jun 2008
Location: Behind the wheel
County: Lancashire
Posts: 63,331
I'm not querying the Classic policy, at least not yet anyway.

I'm slightly ****ed off that everything was mis-sold and critical information was with-held
Gaz is offline  
Status: Not Gammon
AO Platinum Member
 
AlfaDrivingFan's Avatar
 
Join Date: Aug 2009
Location: European Union
Posts: 44,548
That is disgusting Gaz I've never heard of a car insurance policy that doesn't accrue NCB the longer you have it AF should get their act together and make sure you do not lose out because of their inadequate communications.

Last edited by AlfaDrivingFan; 31-01-12 at 19:07.
AlfaDrivingFan is offline  
Status: #keepFightingMichael
AO Gold Member
 
EauRouge's Avatar
 
Join Date: Jun 2009
Location: Suriname
County: Brokopondo
Posts: 7,703
You don't accumulate NCB on a ":Classic Policy" as its normally a limited mileage/weekend car.
EauRouge is offline  
(Post Link) post #6 of 41 Old 31-01-12 Thread Starter
Gaz
Status: Privileged
Regional Support North
Is there a meet near you?
 
Gaz's Avatar
 
Join Date: Jun 2008
Location: Behind the wheel
County: Lancashire
Posts: 63,331
I get that now - albeit a year too late! It would have been rather nice for that information to be disclosed at the time of purchasing my policy

Incidentally, my current policy has gone up £49 as a result of this fiasco, not a massive amount i'll admit and certainly still good value compared to my renewal quote with AF. This new policy is also a classic car one but they have confirmed that it will earn me a years NCB. Unless I crash of course
Gaz is offline  
Status: #keepFightingMichael
AO Gold Member
 
EauRouge's Avatar
 
Join Date: Jun 2009
Location: Suriname
County: Brokopondo
Posts: 7,703
They need to have clearly stated that it was "Classic Policy" to you Gaz, i would request a copy of the telephone conversation as your mis-sold argument may be credible as they sold you the cheapest policy available since this has been how 99% have chosen policy over last 2/3 yrs, they should also have stated that it did not accum NCB. However, if you had protected NCB and specified this on your quote with AF? I reckon you would have them over a barrel.
EauRouge is offline  
Status: -
AO Platinum Member
 
MalcQV's Avatar
 
Join Date: Sep 2011
Location: United Kingdom
County: Greater Manchester
Posts: 13,439

Member car:

Office Chair.

As above, you don't collect NCB on a Classic policy.
I have just checked my insurance certificate and it only mentions 'Classic' at the footer of the printed sheet.
There is no mention of NCB at all. I of course was told that I was accepting a classic policy and no NCB could be used or accrued.
MalcQV is offline  
(Post Link) post #9 of 41 Old 31-01-12 Thread Starter
Gaz
Status: Privileged
Regional Support North
Is there a meet near you?
 
Gaz's Avatar
 
Join Date: Jun 2008
Location: Behind the wheel
County: Lancashire
Posts: 63,331
Ah now thats an interesting point. They were quite happy to use my NCB when i took the policy out!
Gaz is offline  
Status: -
AO Platinum Member
 
MalcQV's Avatar
 
Join Date: Sep 2011
Location: United Kingdom
County: Greater Manchester
Posts: 13,439

Member car:

Office Chair.

A thread in the 916 section regarding insurance/classic.

I should point out they still of course ask about accidents, claims, convictions etc.
MalcQV is offline  
Status: zzzzzzzz
AO Platinum Member
 
symon's Avatar
 
Join Date: Dec 2005
Location: United Kingdom
County: Oxfordshire
Posts: 36,856
I can understand the point of not building up a No claims discount whilst on a classic policy, But I have heard that a NCD is valid for 2 years.

Does that mean that you could have a classic policy for 2 years and end up with zero no claims at the end, or would it just revert back to the discount you had before you took it out, even if it was a while before?

Plenty of questions need answering.
symon 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 Gaz View Post
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


Morning,

If you would like for me to arrange for someone to call you and discuss this further please feel free to pm me your full name, reference number and contact telephone number.

Many thanks
Dan.
[email protected] FLUX is offline  
Status: GTA facelift + engine rebuild. In progress
Club Member
Membro Premio
 
Joss's Avatar
 
Club Member Number: 1014
Join Date: Sep 2005
Location: United Kingdom
County: Dorset
Posts: 19,104
Garage
Gaz yes I have heard of a classic car policy as I have one for my M5. And yes this is true that they don't accrue any NCD. My policy is with ERS directly and he explained that because the classic policy is one of the last bastions of sensible drivers. Stupid little oiks don't drive classics and if you are a classic car owner you generally take care with your classic. Ergo cheapy cheap premiums (£108.02 for mine) Now I'm not sure of the rules and regs but it would make sense that it should say on your policy "classic car insurance" and you should have been informed of this when you took it out.

BMW E12 M535i, JC racing diff, Gaz coilover, Powerflex.
Alfa 156 GTA, Q2, Super sprint, CF2, EQ, KW coilovers, Eibach rollbars, Powerflex.
GitList Member but not as high as Keithy! No Gibbo....I don't need a haircut AO Troublemaker! You have been warned
Joss is offline  
Status: DEFCON5
AO Gold Member
 
1of1's Avatar
 
Join Date: Oct 2010
Location: Sao Tome and Principe
County: Principe
Posts: 11,604
I thought 'classics' had to be a certain age?
1of1 is offline  
Status: Winning small victories
AO Platinum Member
 
73GTVJim's Avatar
 
Join Date: Mar 2006
Location: United Kingdom
County: Greater Manchester
Posts: 24,410
Quote:
Originally Posted by 1of1 View Post
I thought 'classics' had to be a certain age?
So did I and it is usual AFAIK for them to be limited mileage policies.
73GTVJim is offline  
Status: Bavarian
Admin Team
 
bobda's Avatar
 
Join Date: Jul 2002
County: -
Posts: 15,172

Member car:

Not a GT

Crazed

I had a situation with Adrian Flux when I came to renew last year (September-ish). They couldn't match alternative quotes so I asked for my policy to end and proof of no claims entitlement to be sent. I should have had 9 years at this point but the document they sent me (by email - which I have no problem with) was an entitlement to just 6 years. Good job I checked and after a phonecall to CS and a few checks they sent me a new document.
bobda is offline  
Status: -
AO Platinum Member
 
MalcQV's Avatar
 
Join Date: Sep 2011
Location: United Kingdom
County: Greater Manchester
Posts: 13,439

Member car:

Office Chair.

Quote:
Originally Posted by symon View Post
I can understand the point of not building up a No claims discount whilst on a classic policy, But I have heard that a NCD is valid for 2 years.

Does that mean that you could have a classic policy for 2 years and end up with zero no claims at the end, or would it just revert back to the discount you had before you took it out, even if it was a while before?
It probably depends on whom your new policy is with but theoretically you lose it all I think. I had an old junker or two many years ago as a high miler muncher. Accrued about three years no claims which when I got rid of and bought a Classic, expired after two years. Gets me why your NCB is with the car and not the person.

Quote:
Originally Posted by 1of1 View Post
I thought 'classics' had to be a certain age?
Quote:
Originally Posted by 73GTVJim View Post
So did I and it is usual AFAIK for them to be limited mileage policies.
They do but it varies with the company and car. Many told me my '97 Alfa Spider is not old enough but my '97 F355 is. The car type being the big factor I guess

I'm not going anywhere, I'm just going.
Statements above are all my own opinion and not fact.
MalcQV is offline  
Status: Meh.
AO Platinum Member
 
NineOneSix's Avatar
 
Join Date: Dec 2006
Location: United Kingdom
County: Hertfordshire
Posts: 30,067
Garage

Member car:

GTV V6 3.0

I'm with AF underwtriter equity Red Star, but on a modified policy and the first thing I asked was does this policy gain me a NCB and was told yes, although I read it to be that way, but wanted to be sure.
NineOneSix is offline  
Status: Deserter...
AO Member
 
Join Date: Apr 2011
Location: United Kingdom
County: North Yorkshire
Posts: 513
I've had various classic insurances down the years and always understood the no claims situation as they don't award it. If I'm right you have to use your NCD within 2 years or lose it, my 2nd lot of bonus long gone because of this. I have a car on AF classic, agreed value with photographic proof, limited mileage. The term classic seems flexible, a 14 year old Corvette is, a 16 year old Alfa Spider is not.
spike60 is offline  
Status: Breraless :(
AO Platinum Member
 
Squadrone Rosso's Avatar
 
Join Date: Aug 2005
Location: United Kingdom
County: Neath Port Talbot
Posts: 30,126
Given that two AO staff members are openly pouring seemingly justifiable scorn on AF, shouldn't consideration be given to dissolving the commercial relationship that exists between the two entities?
Squadrone Rosso is offline  
Status: #keepFightingMichael
AO Gold Member
 
EauRouge's Avatar
 
Join Date: Jun 2009
Location: Suriname
County: Brokopondo
Posts: 7,703
Quote:
Originally Posted by Squadrone Rosso View Post
Given that two AO staff members are openly pouring seemingly justifiable scorn on AF, shouldn't consideration be given to dissolving the commercial relationship that exists between the two entities?
It already has! has it not?
EauRouge is offline  
Status: Too many Alfas
AO Gold Member
 
Spider95's Avatar
 
Join Date: Aug 2007
Posts: 7,405
Due to their 'profile' on here I contacted AF last year for a renewal quotation for the Spider, they tried to fob me off with 'classic' cover but the terms of cover were not as good as my current insurers and the premium quoted was significantly higher - so high I was frankly staggered at the price! The person on the ohter end of the phone wasn't exactly helpful or friendly either.

From my experience, avoid AF

Last edited by bobda; 01-02-12 at 17:22. Reason: removed quote
Spider95 is offline  
Status: Breraless :(
AO Platinum Member
 
Squadrone Rosso's Avatar
 
Join Date: Aug 2005
Location: United Kingdom
County: Neath Port Talbot
Posts: 30,126
Quote:
Originally Posted by EauRouge View Post
It already has! has it not?
Nope. Authorised traders!
Squadrone Rosso is offline  
Status: living the Dream
AO Silver Member
 
finny05's Avatar
 
Join Date: Jul 2008
Location: United Kingdom
County: Gloucestershire
Posts: 1,178
Well I have to stick up for them as when my renewal came through from Admiral multicar who I had been with for 10 years it was up by over £500. So I shopped around and as my morris "woody" Emily was insured with Adrian Flux for £70 a year I thought I would give them a try.
They came back with a great price for my cars fully comp and some restricted mileage and including a Range Rover.
The guy on the phone from Adrian Flux understood exactly what I wanted out of them.
And I don't get 20 pages of rubbish which I used to get from Admiral.

I do hope the premiums are as good next year or I will be shopping around again.
finny05 is offline  
Status: -
AO Member
 
george123's Avatar
 
Join Date: Sep 2006
Location: United Kingdom
County: Hampshire
Posts: 505
I just got a quote of £240 through JH Specialist for a GTV V6 as 2nd car on a classic policy (underwritten by ReD Star). I also have an R32 insured thru esure with 6 yr NCD, should I check with them that if I take out the 2nd policy with JH it doesn't affect the NCD with them on the r32 ?
george123 is offline  
Reply

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

Tags
adrian , beware , flux

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



Similar Threads
Thread Thread Starter Forum Replies Last Post
Alfaowner.com - Insurance Scheme with Adrian Flux  Tel: 01553 845872 [email protected] FLUX Adrian Flux Insurance 24 19-06-18 20:27

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