I have a week until I can get some quotes and take out a new policy and I can't wait Adrian Flux this year have not satisfied me with their pricing on my changing of cars.

 

• 2.5 year old remapped vRS needing insurance on VIN to re-register before informing of reg for a UK purchased car returned to UK not an imported vehicle = double the price for slightly lower cover than if I just gave the registration number I knew I was getting. This is not an issue in itself to me as I understand that not all insurers bother to provide cover on VIN rather than a registration number and I appreciated the fact AF did. = £636
• Change to a stock 11 year old ZT diesel after 1.5 months worth 1/10th that of the modified vRS on a policy loaded by 100% due to VIN = "no change in premium" ......... Other insurers quoting for it at same sort of prices I got for the vRS initially knowing reg. So seems to have been adjustment based on difference in car not on fact I had paid as much as I did initially due to VIN which was disappointing. 
• Change to 530D after 2.5 further months and additional £260.79 for the remaining 8 months of policy making it approx for a years premium £1027 which is again near double the price of elsewhere........ seems based on changing from prev car not the massive amount I paid on initial on for a 12 month policy.
• Change to 13 year old stock 90bhp no modifications diesel Octy after another 4 months leaving 4 months left to run and a refund on policy of £44.66 for change. Taking off all other vehicle changes based on their calculated monthly price minus the time on cover rolling over the remaining and adding/subtracting the alteration in price, this leaves the final 4 months on my Octy costing £297.74 ish which is  £893 approx as a annual premium....... That's near 50% more than the original modified near new vRS on the policy cost for crying out loud! 

 

 

With Adrian Flux I must have had about 6 policies in total over the years for cars/bikes and was always happy, hence despite not being the cheapest for the initial car, I went with them. I know what prices I am likely to get quoted this year and I fully expect them to be paying around the same for the next year with someone else as I have in the last 4 months of this policy with Adrian Flux, easily! Now I know that AF do not actually underwrite the insurance themselves and the underwriter for initial policy is where the prices come + £25 odd each time I move left or right for the few minutes of AF's time to process the change, thats part of the business model and I have no problem with that. But I have had silly things like this in the past and other similar structured insurance providers have seen the lack of logic, contacted the underwriters directly and had it sorted. What insurance underwriter charges 50% more for a 2001 90bhp stock Octavia over a 2011 remapped one of 10% the value? One AF uses! I know they target specific criteria, but come on! This has been the most expensive years insurance I have paid in the UK for over a decade with the lowest risk post code on earth, double full NCD and no convictions ever and in what should be one of the cheaper to insure cars out there! 

 

All of the above aside, there was the courtesy car expense I had to go to when the vRS was in for it's mystery disco dash lights fault under warranty. My policy booklet given to me by Adrian Flux stated I could cover the courtesy car under these circumstances, then when tried  Adrian Flux said no and couldn't give temp cover either as of course I don't own it which is correct. The person in the dealership called on my behalf to arrange the normally standard cover with them and put it on speaker phone, I was quite shocked by the abruptness and unfacilitating attitude of the Adrian Flux woman to the lady at the dealership to the point I was embarrassed! I still have my booklet saying I can, but apparently I can't. I had to pay £15 a day for cover from the dealership none the less. Also then to contradict the above, when buying a new car and wanting temp cover for old one until sold, this was not possible either meaning having to use expensive temp cover crap elsewhere! Again my policy booklet says I can! I contacted the underwriter directly who said that Adrian Flux customers do not get this listed cover as it's all cut out so they can offer a lower price and that they SHOULD NOT have given me that information. Adrian Flux know they have negotiated away these things and still sold them to me without correcting these points in any way shape or form. That is absolutely unacceptable! What use is a Policy cover booklet that you don't have half the cover it states you have in it?? "here is a booklet that tells you what you don't have because you dared to show loyalty to Adrian Flux"??? Budget insurance at a premium price! 

 

 

Now poised to find another insurer who will quote competitively, provide the cover they tell me they will and not treat me like Marsellus Wallace. 
 

We'd be glad to offer our services to you FUBAR when the time is right. Please PM me your number and I'll get someone to call you next week.

Could you not have just cancelled the policy and taken out insurance elsewhere?

I'm with Chris Knott currently, on my octy tdi 110 with suspension mods, and as a driver with only 1 year experience and NCD, they quoted me less than AF did for your tdi 90. Give them a ring!

Could you not have just cancelled the policy and taken out insurance elsewhere?

I'm with Chris Knott currently, on my octy tdi 110 with suspension mods, and as a driver with only 1 year experience and NCD, they quoted me less than AF did for your tdi 90. Give them a ring!

 

Would have gotten much back with cancellation policy and risked loosing all my NCD if I did, so was trapped :(

ahahahhaha Best fully comp quote so far £197.81 (after £35 cashback) and no admin fees for changes, can't wait to see what my renewal price comes through at now  :moon:

.

Had you kept the same vehicle the policy and premium wouldn't have changed no? It's you switching about during a 12 month contract which has cost you.

Had you kept the same vehicle the policy and premium wouldn't have changed no? It's you switching about during a 12 month contract which has cost you.

 

No...............

No...............

Why no? You've had a series of cars in a short period of the that create a different risk to the underwriter and as such need a different premium.

The insurer offered you a price based on the criteria you presented at the time. If you change the criteria, which you did, the price changes too.

I have often found that specialist insurance companys do not get very good prices from the underwriters on standard vehicles.

This could be a contributing factor of the high prices.

 

I have even in the past be told that a company I was with when I had a modified Landrover would not cover me on a standard one.

Why no? You've had a series of cars in a short period of the that create a different risk to the underwriter and as such need a different premium.

The insurer offered you a price based on the criteria you presented at the time. If you change the criteria, which you did, the price changes too.

Doesn't justify over triple the price of other insurers and same underwriter elsewhere and in 25 cars has not resulted in anything like that before, inc with AF! When changing cars with others in the past and underwriter is giving a crazy price, they contact them and it has been immediately brought back to within reason.  Initial criteria was to charge me double to type in my vin rather than my reg for the 30 minutes it takes to go in and re-register car. On change each time, I could have cancelled my policy and started a new one with same underwriter for generally half the price. On the criteria changing, what are your thoughts on what I said about being sold cover I didn't have from day one? I paid the extra as it would be a one off this year and had cover on policy sold to me which was removed without being told. I should have just taken out a 1 day policy to re-register car then paid someone else half the money for a higher level of cover. More fool me for being a customer of and recommending them for many years. I have referred for no reward easily around 100 of their customers in last few years too.

 

 

I have often found that specialist insurance companys do not get very good prices from the underwriters on standard vehicles.

This could be a contributing factor of the high prices.

 

I have even in the past be told that a company I was with when I had a modified Landrover would not cover me on a standard one.

That's the weird thing was a standard car policy with a car that had just been remapped and a bog standard major underwriter.

Hi FUBAR, 

 

If you can PM me your details I can certainly take a look into your policy for you.

Kind regards,

Dan.

Hi FUBAR, 

 

If you can PM me your details I can certainly take a look into your policy for you.

Kind regards,

Dan.

 

It's ok Dan thanks for offering, but the end of the road is here, once bitten and all that. I have already exhausted my enquiries with regard to why I didn't have the cover I was told and got absolutely nowhere, not even an apology for being mislead. I have just arranged my new policy before even receiving a renewal quotation through someone else.  

£800 auto renewal notice............. lol 

I don't understand why people use these specialist insurance company's. For normal cars they are always more expensive.

 

Are they purely for modified cars that the normal company's won't insure?

Use money.supermarket, always best for me.