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Expensive!

Posted: Tue Nov 12, 2019 4:34 pm
by Chad
I thought I'd try Adrian Flux for my renewal yesterday... This quote was more expensive than my existing company! They suggested on the phone that they put me through to another company. I had to give all my details again. This quote was £440, so this company then also transferred me. Again I had to give all my details again (x3 times). This quote was £650. And I was told that although I wanted business cover for both my wife and I, I was told that the business cover was only in relation to MY business, and not my wife's!!! so my wife could only use the car for business use if she was doing my job???!!! Really?!
I then contacted Direct Line. I got the cover I wanted with no voluntary access for £322. Business cover, 10K miles per/yr.
Vehicle garaged overnight. 53 years old. University Lecturer, no convictions, no accidents, 11 years NCD. Wife GP (NHS). Same age, same (clean) history and Adrian Flux/their contacts quote me £650....... apparently the reason why the price is high is "because I've only had the vehicle 3 months so I'm high risk". (I also ride a BMW R1200GS motorbike- which costs me £180 a year for insurance... High risk eh??)

Re: Expensive!

Posted: Tue Nov 12, 2019 4:48 pm
by DaveG
I was also not impressed with them, also tried another broker, but none could beat my exiting insurer LV.

Re: Expensive!

Posted: Tue Nov 12, 2019 6:24 pm
by Deleted User 1027
LV for me and 180days Europe cover and other extras £320 per year 56 semi retired and parked on drive.

Re: Expensive!

Posted: Tue Nov 12, 2019 7:57 pm
by HouseSpider
£373 with LV for 15k miles per annum including business cover in the highways maintenance industry , parked on driveway, clean drivers licence.

Re: Expensive!

Posted: Wed Nov 13, 2019 7:16 am
by steve67
i looked at Adrian Flux insurance, but as always came back high., just re-insured with Aviva.
me and my wife to drive- clean licence full comp, £200 excess, protected 15yrs plus NCB, £177

Re: Expensive!

Posted: Wed Nov 13, 2019 11:47 am
by Paul97
steve67 wrote: Wed Nov 13, 2019 7:16 am i looked at Adrian Flux insurance, but as always came back high., just re-insured with Aviva.
me and my wife to drive- clean licence full comp, £200 excess, protected 15yrs plus NCB, £177
Great price 👍

Re: Expensive!

Posted: Wed Nov 13, 2019 12:16 pm
by steve67
Paul97 wrote: Wed Nov 13, 2019 11:47 am
steve67 wrote: Wed Nov 13, 2019 7:16 am i looked at Adrian Flux insurance, but as always came back high., just re-insured with Aviva.
me and my wife to drive- clean licence full comp, £200 excess, protected 15yrs plus NCB, £177
Great price 👍
It's on a multi car policy with my 22yrs old son who has a new Mazda 3...his came in at £537 yrs ncb..not bad for a young driver...with a 2ltr engine and £23k car👍
I also have my home and travel insurance with them...😎
As a comparison admiral came back at £950 for both cars😲😲

Re: Expensive!

Posted: Fri Nov 15, 2019 10:01 am
by Chad
Wouldn’t it be great if insurance companies gave you 50% of your premiums back at the end of the year if you don’t make a claim?! (Assuming you have full NCD).

Wanna get flucked? Go to Adrian Flux!

Posted: Sat Nov 16, 2019 11:20 am
by Boyle de Cabbage
With a slightly more serious tone; the days of the broker are really over. Now everything is online we can each do what a broker does and hunt around for the cheapest deal with the cover we need. A broker, by definition is a re-seller and has to pile their fee on top of the cost of the insurance.

A bit like travel brokers, I fail to see how they continue to exist.

Re: Expensive!

Posted: Sat Nov 16, 2019 6:05 pm
by zoylander
I want the best cover, not the cheapest.
My CX-3 is insured with LV through Mazda, so that in the event of a claim I only have to deal with Mazda.
For my classic car insurance I use a specialist broker.