My Adrian Flux/ULR insurance claim woes!

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Unless there is written agreement that it is full and final agreement-MCOL for loss and brokers fees.
I'll help take a swipe at this if it will put OP in position of equity.
 
I think the OP has had enough, Fanny.

The answer seems to be - contact the ins co direct. Cut out the middle man. That way there is no arguement as to who they are representing.
 
Thor1950 said:
Bit like a stock broker then. You give him money to invest, say company A , company A goes bad and does not make any money, Is it the brokers fault, company A went down the tube and you lost money?
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No not really! as that is an accepted risk and a known gamble that the broker is authorised to take on your behalf, whereas an insurance broker obtains insurance for you to cover you in the event of an accident which is a known and understood quantity, how you could confuse the two is beyond me:confused:
 
The Mad Hat Man said:
Coz he is a Merkin with little knowledge of UK law?
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you got some silly laws:rolleyes: Here a agent sells insurance for many different company's (think like flux) If you have a claim the agent is contacted and is go between. Most agents sell for several company's. You want cheap insurance, you get cheap coverage. you want good coverage you pay more.

Your insurance is very very cheap in the UK, to say the least. Just trying to figure out how a broker/agent is responsible for a company? They just do the billing and collection of money. You have a choice of which insurance company to use. And surley you know who the good and not so good insurance company's are.
 
Thor1950 said:
you got some silly laws:rolleyes: Here a agent sells insurance for many different company's (think like flux) If you have a claim the agent is contacted and is go between. Most agents sell for several company's. You want cheap insurance, you get cheap coverage. you want good coverage you pay more.

Your insurance is very very cheap in the UK, to say the least. Just trying to figure out how a broker/agent is responsible for a company? They just do the billing and collection of money. You have a choice of which insurance company to use. And surley you know who the good and not so good insurance company's are.
Click to expand...

"Hello is that Mr Broker?"
"Yes"
"Ah good can you sell/arrange me some insurance to cover against ------- ?"
"Yes I can"
"Great I'll have it here's my money"
"Thanks"
.............some weeks later
"Hello Mr Broker you know that insurance you sold/arranged for me incase ------ happened?"
"Yes"
"Well ------- happened and my insurance doesn't seem to be working properly........why did you sell/arrange insurance for me that doesn't work?"
 
Thor1950 said:
you got some silly laws:rolleyes: Here a agent sells insurance for many different company's (think like flux) If you have a claim the agent is contacted and is go between. Most agents sell for several company's. You want cheap insurance, you get cheap coverage. you want good coverage you pay more.

Your insurance is very very cheap in the UK, to say the least. Just trying to figure out how a broker/agent is responsible for a company? They just do the billing and collection of money. You have a choice of which insurance company to use. And surley you know who the good and not so good insurance company's are.
Click to expand...

(My bold) That is what a broker is supposed to do as well. And what Flux didn't do in this case.
 
I think the important difference here is that AF and others set themselves up as " 4x4 specialist" insurers - in the eyes if the law, that implies that they are "experts" giving advice and receiving payment for so doing. If that advice is faulty... and i would suggest an insurance company that argues about representing you, would be an insurance co " not fit for purpose" and , by default, that would mean that
A) the advice was faulty and
B) in the eyes of the law that could be deemed negligence on the part of the " expert".

Any expert has to give sound advice and work on behalf if the person employing them.
 
The Mad Hat Man said:
I think the important difference here is that AF and others set themselves up as " 4x4 specialist" insurers - in the eyes if the law, that implies that they are "experts" giving advice and receiving payment for so doing. If that advice is faulty... and i would suggest an insurance company that argues about representing you, would be an insurance co " not fit for purpose" and , by default, that would mean that
A) the advice was faulty and
B) in the eyes of the law that could be deemed negligence on the part of the " expert".

Any expert has to give sound advice and work on behalf if the person employing them.
Click to expand...

EU unfair trading directive springs to mind-we can discuss this and MCOL if OP wants
 
For what it's worth.
I wouldn't touch Flux with a barge pole. Years ago I had a Ginetta (engine by Holbay etc)
and Flux were the only company that would insure it. Thank goodness I got rid of it before I ended up in a ditch. I stayed Flux when I bought a Mazda 626 Estate (great car). Within 12 months someone tupped me up the rear pushing me into a trailer and van. Police had it hauled to the nearest garage and it was then removed to a Mazda garage. The loss adjuster came round and declared it a total right-off (cat B) - major structural damage, only one door would open etc.
Flux refused to pay for two lots of recovery, refused to pay for car hire although it was stipulated in the contract, then claimed the car was worth less than I knew it was worth because of their confusion over the registration date. They also disputed storage charges from the garage although it was them who were dragging things out. Eventually got it sorted but it took months.
Some time later I got a phonecall at work from the poor devil that had bought it as it had been repaired and put it back on the road. He wanted to know if the mileage was correct!
So Flux, or someone who they deal with, had sold a cat B right-off without ensuring it had been crushed and then passed on my works phone number to a third/fourth/fifth party.

I wouldn't pee in their pockets if their gonads were on fire :mad:
 
Flux really havent come out well in this thread, neither has furtwatter but thats by the by, I have used flux based on price alone previously but never claimed. I am glad. Poppys not been on for a while, is this why?
 
Thor1950 said:
Well you need to know the names of the 60 company's they sell for then That leaves you about 30 company's to chose from that they do not write for. They are just the broker/middle man doing the paper work
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No i just need to know the name of 1 insurance company and AF the other 59 insurance companies they deal with or broker for had nothing to do with this
 
dustmaker said:
No i just need to know the name of 1 insurance company and AF the other 59 insurance companies they deal with or broker for had nothing to do with this
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google search will list every company Flux sells for. Rather funny some have gone to other companys and are happy as larry........... But flux sells for them companys also ;)
 
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