Insurance rip off

Stuart Bigmore · Oct 10, 2016

When I bought my first defender a couple of months back I insured it with Adrian Flux. The premium was just below £300, which I thought was reasonable. This week (for reasons outside this thread) the Landy had to go and I bought another. I phoned Adrian Flux to inform them of the vehicle change, and I expected a small fee for this. I was quoted £500 pound EXTRA for the change of vehicle. I asked the person on the other end to justify this. The only explanation she could offer was "well it is a bit newer". Needless to say I declined their offer.
I went to the website with the furry animals and got quotes from £200 upwards. I went with LV at £240 as this has lower excess and protected NCD. The vehicle by the way, was 2005 Defender TD5. This is not the first time I have been disappointed by Adrian Flux, they recently quoted me a frighteningly high premium for a Ford Focus. Strangely enough I ended up with LV on that one too for around one third of the price. Adrian Flux id definitely off my xmas list

Thor1950 · Oct 10, 2016

and how old are you and how many points do you have on your driving license

landowner · Oct 10, 2016

They did the same to me, over a grand to pay when swapping to another car, ended up with Hastings at less than 300 for same cover.

Stuart Bigmore · Oct 10, 2016

Thor1950 said:
and how old are you and how many points do you have on your driving license

I am 58

and have no points on my license

doriz · Oct 10, 2016

@Adrian Flux sometimes comments on here about how and why premiums can be so high or indeed competitive...standby

biggeeeee · Oct 10, 2016

I'm not sure its a rip off as such.
Dont get me wrong I'm not a fan of Flux but it does pay to shop around.
I'm sure there are companies out there who would charge you more, normally all the ones in the Landy mags who claim to be specialists.
Age and vehicle are only part of the risk

I've been with Admiral multi car for 5 years now and the Disco costs me £172 fully comp a year and I'm a spritely 51.
That said fookers took £29 extra off me for being retired!!

doriz · Oct 10, 2016

The Post Orfice took £30 a month off me for last years premium (shopped around) this year £58 a month, swopped to Hastings for same as last year.

Stuart Bigmore · Oct 11, 2016

Well, my premium in effect jumped from 300 to 800 (give or take) in a matter of weeks. Changing to another Defender couldn't change the risk that much. Could it?

ER1C · Oct 11, 2016

Stuart Bigmore said:
Well, my premium in effect jumped from 300 to 800 (give or take) in a matter of weeks. Changing to another Defender couldn't change the risk that much. Could it?

I think you are making the mistake that there is a human with free will deciding these. Don't worry about it... move on.... Every now and again insurance offer deals and once you get on one its cheaper.... I once had my heritage policy lapse by a day to try and renew and get told that policy didn't exist any more, an extra £30 please..ohh and this policy isn't as good as the one you were on.
Just shop around every time.

Adrian Flux · Oct 11, 2016

Stuart Bigmore said:
When I bought my first defender a couple of months back I insured it with Adrian Flux. The premium was just below £300, which I thought was reasonable. This week (for reasons outside this thread) the Landy had to go and I bought another. I phoned Adrian Flux to inform them of the vehicle change, and I expected a small fee for this. I was quoted £500 pound EXTRA for the change of vehicle. I asked the person on the other end to justify this. The only explanation she could offer was "well it is a bit newer". Needless to say I declined their offer.
I went to the website with the furry animals and got quotes from £200 upwards. I went with LV at £240 as this has lower excess and protected NCD. The vehicle by the way, was 2005 Defender TD5. This is not the first time I have been disappointed by Adrian Flux, they recently quoted me a frighteningly high premium for a Ford Focus. Strangely enough I ended up with LV on that one too for around one third of the price. Adrian Flux id definitely off my xmas list

Hi,

Sorry to hear this, if you wanted to PM me some details I'd be happy to look into it for you.

Kind Regards
Jamie

Stuart Bigmore · Oct 12, 2016

Adrian Flux said:
Hi,

Sorry to hear this, if you wanted to PM me some details I'd be happy to look into it for you.

Kind Regards
Jamie

Thanks for the offer Jamie, but my rant is over now and we'll put this one to bed.

Insurance rip off

Stuart Bigmore

Member

Thor1950

Well-Known Member

landowner

Pensioner Pete

Stuart Bigmore

Member

doriz

Well-Known Member

biggeeeee

Retired - Living the dream

doriz

Well-Known Member

Stuart Bigmore

Member

ER1C

Well-Known Member

Adrian Flux

Active Member

Stuart Bigmore

Member

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