RE: PistonHeads/Adrian Flux partnership

[fatboy b]

All that jazz said:

fatboy b said:

I'm so surprised Flux haven't disappeared yet, given all the negativity on here. They make empty promises, and give bad service. Why would you hang around?

Because £££££, obviously.

Surely bad publicity will overtake the £££££ at some point??

[All that jazz]

fatboy b said:

All that jazz said:

fatboy b said:

I'm so surprised Flux haven't disappeared yet, given all the negativity on here. They make empty promises, and give bad service. Why would you hang around?

Because £££££, obviously.

Surely bad publicity will overtake the £££££ at some point??

A company of that size won't care. Remember PH readership aren't their only customers and nor the only place they advertise, either.

[steve j]

I had my TVR Chimaera insured with them, when the policy was due for renewal I managed to get a quote for half the price from ERS. I guess people are looking for value for money, I certainly would`nt try them again.

[warp9]

A couple of questions to the representative of AF.

In your banner advertising you state 75% of customers *could* save money with you. What does this mean? Have you conducted any research into this so that you can validate this statement? Isn't it actually misleading and in effect cute marketing nonsense? I *could* for example, win the lottery on Saturday.

Can you also publish ALL the charges that your customers will incur when they do the following: making any change or adjustment to their policy, cancelling a policy, requesting replacing documents, renewing their policy, taking out agreed value, setting up a new business policy, paying by instalments (inc your APR) and any other charges I've missed here.

I think you should be openly transparent about this as hidden costs like these can make a massive difference to the total annual cost of insurance and I would be interested in how competitive you are.

[fatboy b]

I do find it annoying that some insurance companies can "only send out the certificate in the post, as it's a legal document" and charge for replacements, yet others like the one I'm with (L&V) are happy to email them out with no charge for repeats.

[Aidancky]

Just thought i'd throw my 2 pence in.

Went with Adrian Flux even after seeing the bad reviews. A friendly chap sorted me out, and promised me £120 back, if I returned forms (No Claims and Dash Cam Declaration)

I then got £120 took from my account without my permission, and now they won't do anything about it.

Adrian Flux have been terrible for me, and I plan to cancel shortly.

[All that jazz]

Aidancky said:

Just thought i'd throw my 2 pence in.

Went with Adrian Flux even after seeing the bad reviews. A friendly chap sorted me out, and promised me £120 back, if I returned forms (No Claims and Dash Cam Declaration)

I then got £120 took from my account without my permission, and now they won't do anything about it.

Adrian Flux have been terrible for me, and I plan to cancel shortly.

That'll be more money taken from your account without your permission.

[warp9]

warp9 said:

A couple of questions to the representative of AF.

In your banner advertising you state 75% of customers *could* save money with you. What does this mean? Have you conducted any research into this so that you can validate this statement? Isn't it actually misleading and in effect cute marketing nonsense? I *could* for example, win the lottery on Saturday.

Can you also publish ALL the charges that your customers will incur when they do the following: making any change or adjustment to their policy, cancelling a policy, requesting replacing documents, renewing their policy, taking out agreed value, setting up a new business policy, paying by instalments (inc your APR) and any other charges I've missed here.

I think you should be openly transparent about this as hidden costs like these can make a massive difference to the total annual cost of insurance and I would be interested in how competitive you are.

2 days gone and no response. Doesn't appear that there are any experts or much of a partnership going on here.

[22]

warp9 said:

warp9 said:

A couple of questions to the representative of AF.

In your banner advertising you state 75% of customers *could* save money with you. What does this mean? Have you conducted any research into this so that you can validate this statement? Isn't it actually misleading and in effect cute marketing nonsense? I *could* for example, win the lottery on Saturday.

Can you also publish ALL the charges that your customers will incur when they do the following: making any change or adjustment to their policy, cancelling a policy, requesting replacing documents, renewing their policy, taking out agreed value, setting up a new business policy, paying by instalments (inc your APR) and any other charges I've missed here.

I think you should be openly transparent about this as hidden costs like these can make a massive difference to the total annual cost of insurance and I would be interested in how competitive you are.

2 days gone and no response. Doesn't appear that there are any experts or much of a partnership going on here.

Not been with Flux for many moons (they were cheaper on an old classic), but are you planning on doing all those things? Seems a daft request for the sake of making them look unhelpful (I've no idea what my insurance companies charge for any of that, would ask as needed).

[warp9]

22 said:

Not been with Flux for many moons (they were cheaper on an old classic), but are you planning on doing all those things? Seems a daft request for the sake of making them look unhelpful (I've no idea what my insurance companies charge for any of that, would ask as needed).

I don't know, but I would like to know what I'm potentially going to be charged up front so I can make an informed comparison.

[funkyrobot]

Aidancky said:

Just thought i'd throw my 2 pence in.

Went with Adrian Flux even after seeing the bad reviews. A friendly chap sorted me out, and promised me £120 back, if I returned forms (No Claims and Dash Cam Declaration)

I then got £120 took from my account without my permission, and now they won't do anything about it.

Adrian Flux have been terrible for me, and I plan to cancel shortly.

How the hell can they just take money from you?

Fight it.

[Mannginger]

22 said:

Seems a daft request for the sake of making them look unhelpful.

Agreed if it's that important to you, call them up rather than try to make out like some kind of consumer rights champion

[JamieAtFlux]

warp9 said:

A couple of questions to the representative of AF.

In your banner advertising you state 75% of customers *could* save money with you. What does this mean? Have you conducted any research into this so that you can validate this statement? Isn't it actually misleading and in effect cute marketing nonsense? I *could* for example, win the lottery on Saturday.

Can you also publish ALL the charges that your customers will incur when they do the following: making any change or adjustment to their policy, cancelling a policy, requesting replacing documents, renewing their policy, taking out agreed value, setting up a new business policy, paying by instalments (inc your APR) and any other charges I've missed here.

I think you should be openly transparent about this as hidden costs like these can make a massive difference to the total annual cost of insurance and I would be interested in how competitive you are.

Hi warp9,

First of all it isn’t our intention to be misleading, but we could be clearer on the advert (as we are on the home page of the Adrian Flux Website). 75.68% of all customers who received an online quote via Adrian Flux in November 2014 could have obtained a cheaper quote over the phone from us, based on the information they provided. This is due in part to the delegated authority we have on a number of schemes plus the specialist schemes we have at our disposal that aren’t available for online business. In a nutshell we are trying to say that our best rates are available over the phone as we are a specialist. I will however pass these comments on to our media guys.

With regards to the charges/fee’s, being a broker that works with over 40 different insurers and schemes, these terms and charges are calculated by the insurers themselves and these charges can differ from insurer to insurer. We have always tried to be transparent with our own fees and charges and these are included in the policy documents that we send out or available from a member of staff at time of quotation. We do adhere to strict FCA regulations with regards to this. More information about charges etc can be found here https://www.adrianflux.co.uk/faqs/

Thanks

[JamieAtFlux]

Aidancky said:

Just thought i'd throw my 2 pence in.

Went with Adrian Flux even after seeing the bad reviews. A friendly chap sorted me out, and promised me £120 back, if I returned forms (No Claims and Dash Cam Declaration)

I then got £120 took from my account without my permission, and now they won't do anything about it.

Adrian Flux have been terrible for me, and I plan to cancel shortly.

Sorry to hear this,

If you could PM me some more info I would be happy to look into this for you.

[warp9]

JamieAtFlux said:

warp9 said:

A couple of questions to the representative of AF.

In your banner advertising you state 75% of customers *could* save money with you. What does this mean? Have you conducted any research into this so that you can validate this statement? Isn't it actually misleading and in effect cute marketing nonsense? I *could* for example, win the lottery on Saturday.

Can you also publish ALL the charges that your customers will incur when they do the following: making any change or adjustment to their policy, cancelling a policy, requesting replacing documents, renewing their policy, taking out agreed value, setting up a new business policy, paying by instalments (inc your APR) and any other charges I've missed here.

I think you should be openly transparent about this as hidden costs like these can make a massive difference to the total annual cost of insurance and I would be interested in how competitive you are.

Hi warp9,

First of all it isn’t our intention to be misleading, but we could be clearer on the advert (as we are on the home page of the Adrian Flux Website). 75.68% of all customers who received an online quote via Adrian Flux in November 2014 could have obtained a cheaper quote over the phone from us, based on the information they provided. This is due in part to the delegated authority we have on a number of schemes plus the specialist schemes we have at our disposal that aren’t available for online business. In a nutshell we are trying to say that our best rates are available over the phone as we are a specialist. I will however pass these comments on to our media guys.

With regards to the charges/fee’s, being a broker that works with over 40 different insurers and schemes, these terms and charges are calculated by the insurers themselves and these charges can differ from insurer to insurer. We have always tried to be transparent with our own fees and charges and these are included in the policy documents that we send out or available from a member of staff at time of quotation. We do adhere to strict FCA regulations with regards to this. More information about charges etc can be found here https://www.adrianflux.co.uk/faqs/

Thanks

Hello JameAtFlux
Thank you for the reply to my questions.

Forgive me for being a bit cynical here, but the implication from your banner ad is that 75% of customers will save over what they are currently paying for their insurance. Whereas in reality it's that 75% of customers will save by phoning you compared to getting an online quote with you. I do think you should be clearer here which you do deal with on your web page.

I understand that insurers will charge different amounts for whatever change is being done - this is the additional premium you charge the customers. It's clarification on the charge that AF also make to the customer that I am after. You refer to being transparent in your reply but I can't find any reference to any fees that you charge in any section of your FAQ's (which is quite good btw). The issue I have with informing your customers of your fee's in the policy documents is that this is retrospective and does not allow your customers to make an informed comparison prior to taking out a policy with you, none of which appears to be very transparent.

[JamieAtFlux]

warp9 said:

Hello JameAtFlux
Thank you for the reply to my questions.

Forgive me for being a bit cynical here, but the implication from your banner ad is that 75% of customers will save over what they are currently paying for their insurance. Whereas in reality it's that 75% of customers will save by phoning you compared to getting an online quote with you. I do think you should be clearer here which you do deal with on your web page.

I understand that insurers will charge different amounts for whatever change is being done - this is the additional premium you charge the customers. It's clarification on the charge that AF also make to the customer that I am after. You refer to being transparent in your reply but I can't find any reference to any fees that you charge in any section of your FAQ's (which is quite good btw). The issue I have with informing your customers of your fee's in the policy documents is that this is retrospective and does not allow your customers to make an informed comparison prior to taking out a policy with you, none of which appears to be very transparent.

Hi Warp9,

We are currently in the process of updating our advertising to make it more transparent. Thank you for bringing it to our attention.

With regards to our fees, as you mentioned insurers will charge different amounts for whatever change is being done. However on average our own fees are around £25. This applies to new business, renewals and changes of information to live policies.

Thanks

[silentbrown]

JamieAtFlux said:

With regards to our fees, as you mentioned insurers will charge different amounts for whatever change is being done. However on average our own fees are around £25. This applies to new business, renewals and changes of information to live policies.

Jamie, Here's your 'terms of business' as of October '14. This is the kind of information that should be available BEFORE taking out a policy< IMO.



I'd dispute your "average" because unsurprisingly, I was charged exactly £65 for a new policy. And this figure was *very* well hidden in the documents I received. It was only made clear when I amend the policy and the pro-rata refund was significantly less then expected. What's the "average" fee charged for JUST new business and renewals?

[silentbrown]

silentbrown said:

Jamie, Here's your 'terms of business' as of October '14.

Ah, they're online if you google it. And that £65 figure is now £100...

https://www.adrianflux.co.uk/pdfs/documents/termso...

Online, but as far as I can tell, not linked from anywhere on your website. Hardly "published"

[19alloywheel]

They were not any cheaper for me .. Classic line was much better

[Patrick Bateman]

Jamie, I'm starting a policy with you from the 1st March but I don't remember being asked about being a member of a forum, just a car club. Is it worth phoning again to get a discount since the policy is yet to start?