Anyone used Flux Direct?

[Triple4]

I'm going to stick up for them here.

I bought my Escalade when I was 24, Insured it for £580 with them, renewal last month came in at £500, called them and asked if they can do anything with it and they came back with £405 plus drive any car added on.

Had to call them a couple times when I took out the first year due to putting private plate on, changing named drivers etc and they done it no problem, very friendly and no charge.

They once mucked up the DD, told me a different date that it was due out, I didn't have money in my bank thinking it was due out a week later. Failed DD and the related bank charges. Called them up, explained, manager called back and apologised, set up my DD again, confirmed everything and took £25 off of my next months payment as a 'refund' for the bank charge.

I have no complaints and they're always friendly in my experience. Just to rock the boat a little.

[beko1987]

I was with Flux with my Puma, and they were ok. Never had to speak to them apart from setting up the policy, and again to tell them not to renew as myself and girlfriend went on joint policies then, which they dont do.

Sure if I had reason to use them it would be a pain though, took a month or so to get my proof of NCD back from them, had to get my new insurers to chase them as well as me.

[welshy]

Unsure about what hearing but seems to be more about thier policies re making changes and document proof etc.

After taking out insurance online I now need to send off my driving license, proof of tracker, photo of mileage (stated i do under 4K per year)and proof of no Claims Bonus. All things i would expect to prove I havent lied about my history. I also disclosed suspension changes, exhaust and inlet changes.

Now if i have lied my info was incorrect a charge should be made (ok £50 execessive)....but.....

Has anyone any dealings with them regarding loss/theft/fire etc and any idea of non-payment cases?

Cheers

[exceed]

Been with these guys twice, both times was a nightmare. Fell in to the trap of accepting their cheapest quote AND paying outright instead of monthly.

Put it this way I now pay monthly for all insurances, lost about £900 after selling my car due to them not refunding the correct amount!

[Icemanalgeria]

Wow I wish I had read this forum before I had signed up for insurance with these guys.
They treated me like a criminal, my blood pressure went sky high after receiving their welcome email " Your policy is going to be cancelled ". Then they stated where I lived did not have a garage , why did my no claims not match my years without claiming ( because I have two cars and the other car is using the no claims discount ) I claim no NC discount with them , they wanted copy of license which has my current address and they also wanted two utility bills, photos of the garage, and a letter from my employer stating my position and duties, of and I had to say why I did not use the car to drive to work ( train is cheap and parking is expensive ).
My opinion is they quote low to get you hooked then try to find some loophole so they can charge you more, and if you don't go along with them they will cancel your policy and enter you onto the insurance database saying you comminuted a fraud and they cancelled your policy.

IF YOU WANT PEACE OF MIND DONT USE THESE GUYS !

[ciaranthemurph]

drophead said:

I got insured with them on my modified import MX5 via their website.

Put simply, you will be charged £50 everytime you want to change something, everytime they make a mistake, or everytime they decide they aren't happy with something.

Basically, they are cheap because they know that entices you in. Then, they start the additional 'charges and fees'

They wanted photos of everything on the car, including how and where it was parked, a picture of the mileage of the clocks, photos of every page of the V5. To top it off, they sent my page upon page of contract to sign, in the space of two weeks.

This year, I went with a well known company that have a similar name to the blue stuff above our heads. I rang up, got quoted, purchased, they sent the documents (5 pages in a neat booklet) over, signed and sent back. Done.

Plus, they were cheaper and don't charge a pathetic £50 'admin' fee everytime you want to change something. I have changed my car since then plus gone from a private plate to the original plate. Rather than be completely free, it would have no doubt cost me £100 pounds of admin fee if I stayed with your current insurers.

Edited by drophead on Wednesday 1st May 09:53

When shopping around this year for my modified e36 touring, I tried flux (and HIC) and despite all of their claims and adverts for how interested in cars their employees are, none that I spoke to even came across as if they even had a driving licence. I stated that I was only going to use the car for social and domestic, which they repeatedly questioned: "will you use the car to go to work?", "Do you use another car to go to work?", "Which car do you use to go to work?" Etc etc. this was after I had explained that I work offshore so I then stated "I use a plane then a helicopter to go to work, sometimes a taxi and a train are involved, but I never take a car to work.", "We'll need proof of that.".

I ended up with the same company as mentioned above and the whole process couldn't have gone much smoother. They guy recognised the car from it's Pistonheads advert when I started describing it and congratulated me on my purchase. I didn't even need to take a picture of the train, plane and helicopter that I get to work, or of my ship to prove that I haven't parked my car there during my 'commute'.

[samuk58]

When shopping around this year for my modified e36 touring, I tried flux (and HIC) and despite all of their claims and adverts for how interested in cars their employees are, none that I spoke to even came across as if they even had a driving licence. I stated that I was only going to use the car for social and domestic, which they repeatedly questioned: "will you use the car to go to work?", "Do you use another car to go to work?", "Which car do you use to go to work?" Etc etc. this was after I had explained that I work offshore so I then stated "I use a plane then a helicopter to go to work, sometimes a taxi and a train are involved, but I never take a car to work.", "We'll need proof of that.".

I ended up with the same company as mentioned above and the whole process couldn't have gone much smoother. They guy recognised the car from it's Pistonheads advert when I started describing it and congratulated me on my purchase. I didn't even need to take a picture of the train, plane and helicopter that I get to work, or of my ship to prove that I haven't parked my car there during my 'commute'.

Hi Guys , sorry to dig this old thread . What insurance company you are referring to please . Many thanks

[Mannginger]

drophead said:

This year, I went with a well known company that have a similar name to the blue stuff above our heads.

I will assume: http://www.skyinsurance.co.uk/car-insurance.html not used them personally as hadn't heard of them before now. Will definitely give them a look when I swap cars though.

Edit: I had good service from Adrian Flux myself, found them easy to work with and no hassle at all

[pilchard8]

I went with these on my mk1 eunos, £500 for the year, 3 months later i buy another car and they wont quote me on both, i cancel my policy and they want £400 for the trouble. Complained and got no where in the end as they made excuses, wont be using again

[Hol]

I wish I had read this before buying learner driver insurance for my youngest.

Paying monthly, yet despite only running three month, they want the equivalent of an additional six months payments, just to cancel. That's nine months money for three months cover.

The car hasn't even turned a wheel in that three months, as we wanted him to be familiar with the driving schools car.

[DJP]

Hol said:

I wish I had read this before buying learner driver insurance for my youngest.

Paying monthly, yet despite only running three month, they want the equivalent of an additional six months payments, just to cancel. That's nine months money for three months cover.

The car hasn't even turned a wheel in that three months, as we wanted him to be familiar with the driving schools car.

I don't think you quite understand how it works: You don't actually pay for the insurance in instalments.

You've actually taken out a loan, the loan company has paid for your insurance in full and you're now paying back the loan company.

So even if you no longer want the insurance, you still have to repay the loan.

That said, the loan company may reduce the amount that you owe if they manage to get something back from the insurers.

This is industry wide practice and not unique to Adrian Flux.

[DJP]

My main objection to the Adrian Flux group is that they're a PITA to deal with: Repeated requests for paperwork that's already been provided, often documentation that other companies don't even ask for.

I had to provide copies of the V5, driving license, a DVLA access code, a photo of the dashboard showing the mileage etc etc. and they even objected to the format in which my previous insurer provided proof of NCB.

And then, when their website finally declared the documentation complete, the person on the phone said it wasn't.

I've never experienced the like with any other insurer. The whole process was exhausting and I vowed never again.

And then this year I took out bike insurance with BikeSure, without realising that they were part of the Flux group, and the sorry saga was repeated...

And I still haven't received the insurance certificate three months later.

[Gad-Westy]

DJP said:

My main objection to the Adrian Flux group is that they're a PITA to deal with: Repeated requests for paperwork that's already been provided, often documentation that other companies don't even ask for.

I had to provide copies of the V5, driving license, a DVLA access code, a photo of the dashboard showing the mileage etc etc. and they even objected to the format in which my previous insurer provided proof of NCB.

And then, when their website finally declared the documentation complete, the person on the phone said it wasn't.

I've never experienced the like with any other insurer. The whole process was exhausting and I vowed never again.

And then this year I took out bike insurance with BikeSure, without realising that they were part of the Flux group, and the sorry saga was repeated...

And I still haven't received the insurance certificate three months later.

I mentioned my frustrations earlier on in the thread but I think I could have written the post above, it's so representative of my view of AF. The process of taking a policy out with them doesn't appear to have changed at all since I first insured with them about 20 years ago. Same paperwork, same over the top requests. Constant barrage of emails and post and forms to complete. And when you think you're finished you're never quite certain. Compare that with many mainstream insurers that have gone so far the other way these days, that after 2 days you can't even remember who you insured with. No post and at the most a request for proof of NCD but often not even that. An emailed PDF certificate and off you go. Totally painless.

[832ark]

They’ll never get another penny from me. I’d rather eat broken glass.

[Saleen836]

kiethton said:

Looks like i'm against the grain of opinion...

Got a EP3 on a modified policy, all I had to do was fill out a form and mileage declaration and I was away (premium 50% lower than the next cheapest and includes DOC cover at 23 years old). I swapped the car last month and paid the extra, no more paperwork or mileage declaration to be completed, nothing! Did it there and then and drove home from BCA insured.

Although on an annualised basis their quote on the new car isn't the cheapest (20% more) for the ease of swapping it over and the DOC cover included it made sense....provided it stays reasonable I'll be sticking with them - although I haven't had to claim yet....

Not just you, I have had 2 vehicles insured with A.Flux for the past 5 years and never had a problem, just the usual phone call before renewal to get a cheaper price but that is all.

[Fastdruid]

DJP said:

My main objection to the Adrian Flux group is that they're a PITA to deal with: Repeated requests for paperwork that's already been provided, often documentation that other companies don't even ask for.

In my case they asked for proof of the Thatcham approved immobiliser...

That would be the built in immobiliser put there by Ford when they built the car. I don't have any proof.

Beyond the ridiculous forms and proof required I had no issues with them but equally I wouldn't use them again, just too much hassle and if they are that much grief just taking out a policy who knows how bad they would be to make a claim.

[Hol]

DJP said:

Hol said:

I wish I had read this before buying learner driver insurance for my youngest.

Paying monthly, yet despite only running three month, they want the equivalent of an additional six months payments, just to cancel. That's nine months money for three months cover.

The car hasn't even turned a wheel in that three months, as we wanted him to be familiar with the driving schools car.

I don't think you quite understand how it works: You don't actually pay for the insurance in instalments.

You've actually taken out a loan, the loan company has paid for your insurance in full and you're now paying back the loan company.

So even if you no longer want the insurance, you still have to repay the loan.

That said, the loan company may reduce the amount that you owe if they manage to get something back from the insurers.

This is industry wide practice and not unique to Adrian Flux.

oh, I understood all that ^^ already.

I just don't like it - as in the distant past the refund when cancelling early on has been a higher proportion.

[vikingaero]

Fastdruid said:

DJP said:

My main objection to the Adrian Flux group is that they're a PITA to deal with: Repeated requests for paperwork that's already been provided, often documentation that other companies don't even ask for.

In my case they asked for proof of the Thatcham approved immobiliser...

That would be the built in immobiliser put there by Ford when they built the car. I don't have any proof.

Beyond the ridiculous forms and proof required I had no issues with them but equally I wouldn't use them again, just too much hassle and if they are that much grief just taking out a policy who knows how bad they would be to make a claim.

Too many poor stories about Flux, coupled with my bad experience = No.

They're a strange company. It almost seems pot luck whether you get a normal call centre agent or or completely deranged loon that makes things up as they go along.

[Sylvie12]

I recently insured my Voltswagon Caddy…
I recently insured my Voltswagon Caddy with Flux Direct. All went through fine.
This morning, one month from start date, I received a letter to say I owed them £87.40 apparently, to mirror image my no claim bonus from my other car. Nothing about this mentioned when I signed up. I called them this morning, a total of thirty two minutes , being passed from pillar to post. they would not drop the extra charge, They are an absolute rip off company! Read all the reviews you can before
signing up with them...I wish I had! I will now duly cancel my insurance with them .

[andrewanthony1982]

They are not an insurance company but brokers. I got the cheapest quote from comparethemarket. I had to ring n quote my webrefrence and still had to give all details out on the phone for 20 -30 minutes. No time saving. They will keep their £30 setup regardless of cooling off period n also ask for a mileage form to be signed by you that you don't exceed the mileage told, if did then your not covered. After buying I submitted the required documents and after a few days 6 days I got a letter saying that premium credit would not accept my direct debit agreement!!! (I have never had problems) and asked to pay in full or 3 installments. My only problem is that the agent should have made the check at the time of buying if I was accepted or not!!! And I told them that it's technically not my fault but they said that they will charge me setup fee and also the 6 days of insurance that I used on them ???? And returned pocket change out of my deposit. I wish comparison sites could take on insurance companies directly and not brokers!!!! What a waste of time n money-frauds