Adrian flux are a nightmare, would recommend staying away. I changed my policy half way through from fabia vrs to an Audi A5 and have had to claim, this means I have lost 7 years protected NCB on a 43k car from a non approved repairer. If I want to use a approved repairer then it will cost me £1200 plus £7 a day to be insured on a car fully comp as the approved garage will lend me a car but ,y insurance doesn't cover me. The other option is to use Adrian fluxs installer who won't replace all necessary parts for a 'true' repair and then I have to rent a hire car for silly. Only meaning it will cost me less to use my own chosen repairer. I've lost either way. I got a policy with courtesy car, now I need one I've been told to read small print as it's not guaranteed and the only car I might be able to get it daewoo matiz or similar. When I drive an Audi A5. Absolute jokers, who use other companies (ULR) to answer the phone and then pass you between ULR, themselves and underwriter fobbing you off with who is to blame while no one fixes my car.

This company will find every way to not help you even if you stayed with them through loyalty, I was quoted by others cheaper policies that I thought were of a similar type. Wish I had gone with them now.

I thought you lost 3 years no-claim bonus if you claimed not all of no-claim bonus you have built up. If accident was the other driver's fault you could try claiming against them for the hire of an equivalent car to yours, i.e., an Audi A5.

This makes no sense.... A protected no claims is exactly that. I have heard of cases where any legwork for faulty repair is down to the owner if a non-approved repairer is used... But never of NCB being tied to place of repair. To me they are separate things.

 

J.

Should of written this better, the lose of NCB is due to me changing vehicle mid policy and I have lost it all.....end of.

The accident was my fault and I admitted it rather than scamming the system, this is rare to me now a days. Yet I guess now the knife is in they will twist it a little bit.

They've changed the story on costings and between companies what type of repair I will get. Approved repairer wants to replace wing and maybe bumper to be perfect, restarting both items. Insurance approved repairer will just use existing parts and bend back to shape and then respray using unknown paint etc. The cars on a pcp so if it does ever get a problem in the location all warranty work is void. The way my lucks going it will have a problem too.

The rest is matter of fact, done dusted and screwed over.

Should of written this better, the lose of NCB is due to me changing vehicle mid policy and I have lost it all.....end of.

The accident was my fault and I admitted it rather than scamming the system, this is rare to me now a days. Yet I guess now the knife is in they will twist it a little bit.

They've changed the story on costings and between companies what type of repair I will get. Approved repairer wants to replace wing and maybe bumper to be perfect, restarting both items. Insurance approved repairer will just use existing parts and bend back to shape and then respray using unknown paint etc. The cars on a pcp so if it does ever get a problem in the location all warranty work is void. The way my lucks going it will have a problem too.

The rest is matter of fact, done dusted and screwed over.

Surely you didn't lose your NCB when you changed your car mid-term? I change my vehicle approx every two years, always mid-term, and have never lost my NCB. In my 48 years as a policy holder have never lost my NCB.... Occasionally had to pay a nominal admin fee.

I've never lost ncb and change cars very often, my only ever accident I was insured with Adrian flux and didn't have any problems, lost three years ncb with a fault accident which was stated in terms and conditions

You should not lose your no claims bonus if you have paid to protect it? my insurance policy does state that if i dont want to use their approved insurer then i have to pay £100 to use one i want to. If you had your fabia insured with protected no claims bonus then changed cars but kept the same terms of your policy then you should not lose your no claims bonus......somethings wrong there. 

None of this makes any sense at all.

 

Nobody loses 7 years NCD simply for changing vehicles mid-term. End of.

 

As for the saga about the claim - who or what is recommending / approving / non-approving  the various "approved repairers", contesting their proposed work methods and so on.

 

TBH neither the original post, nor the subsequent addendum make sense, and it is almost impossible to work out what Adrian Flux are being accused of.

Hi

I'm sorry if you have been having some problems with ourselves. Obviously it is difficult for me to comment without looking into your details to see whats going on. If you wanted to PM me your policy details I'd be more than happy to take a look. I can also liaise with our claims manager too.

Regards,

Dan.

Your welcome to question what I have posted. Anyone with half a brain would. Let me explain simply.

I have had an accident and admitted liability in a low speed crash.

I now have two choices. To use my own chosen repairer for a cost of over £1200 to use genuine approved Audi garage or the insurance chosen repairer at £500.

However my policy offers me a courtesy car yet I am not getting one with the insurance approved repairer.

Due to me changing my car mid term I was apparently informed when changing car that because I have done this my 7 years NCB will not be applied and does not count. Therefore losing it because it does not apply and will start policy next year with a claim.

The other detail is surcumstantial. This is happening and I have already started talking to FCA about what is happening and why.

Dan@Adrian flux seems like a nice chap. Your attitude seems very professional. I will PM you.

You don't have to believe what your reading, it's just nice to now the service customers get from companies. Anyone care to question the facts anymore?

Edited 17 October, 201510 yr by swaffy

Regardless of the cost of repairing the vehicle, it's the protected NCB loss that's the issue, every thing else you'd have to do anyway.

 

Make that the point of any discussion. Having paid for a policy with 7Y protected NCB, how can you now be in a position where you have lost all NCB? Unless there's a paper trail that indicates you made a decision to drop it (costs?). If not, the NCB should be reinstated IMO.

Perhaps Dan could clarify the circumstances - without breaching data protection - where a mid policy change of car means losing protected NCB.  I think that's what we're all struggling with.

 

It's never happened to me before, so I'm interested if something's changed in the insurance business that might affect me.

 

Gaz