RE: PistonHeads/Adrian Flux partnership

[silentbrown]

ah_jackoson said:

Hello. New to the forum.
The first thing I see is Adrian Flux. I insured one of my cars fully comp with them & at an agreed valuation, only to see in the small print that the policy is void if I am to blame?????????? I am not planning to bang it up but you just never know. Beware..........

Is the clause like this?

Exclusions : "Any death, injury, loss or damage caused directly or indirectly as a result
of any deliberate act by you or any person driving the insured car."

If so, that's a standard exclusion to stop you torching your own car.

[Ray100]

A question for Jamie;
One of the Forum Members of my car club has stated that painting car brake calipers in red is considered a modification & could possibly result in increased Insurance premiums,is this correct?

[eybic]

Ray100 said:

A question for Jamie;
One of the Forum Members of my car club has stated that painting car brake calipers in red is considered a modification & could possibly result in increased Insurance premiums,is this correct?

If true, you can kind of understand it. If a thief is wandering a car park and sees a car with "modifications" or something a bit different to a standard one etc they would be more likely to try and take it.

[JamieAtFlux]

Ray100 said:

A question for Jamie;
One of the Forum Members of my car club has stated that painting car brake calipers in red is considered a modification & could possibly result in increased Insurance premiums,is this correct?

Hi, although this is down to the insurer's discretion, as it is a change from factory standard some insurers may deem this as a modification.

Jamie

[Craikeybaby]

Interesting to know, I assume that would be the case for factory wheels refurbished to a different colour too. What about different brand service items (brake pads etc? Where does it stop? And more importantly, do the people on the phones know where it stops?

[JamieAtFlux]

Craikeybaby said:

Interesting to know, I assume that would be the case for factory wheels refurbished to a different colour too. What about different brand service items (brake pads etc? Where does it stop? And more importantly, do the people on the phones know where it stops?

Without getting into a drawn out debate it is unlikely that service items/consumable would class as modifications as even if they are not manufacturer branded they will be made to OEM specifications. The only instance when you would need to declare this would be if you were using uprated parts.

Jamie

[Ray100]

eybic said:

If true, you can kind of understand it. If a thief is wandering a car park and sees a car with "modifications" or something a bit different to a standard one etc they would be more likely to try and take it.

Another way of looking at it would be to assume a thief would want to steal a car that blends into the background & doesn't stand out?

[Ray100]

JamieAtFlux said:

Ray100 said:

A question for Jamie;
One of the Forum Members of my car club has stated that painting car brake calipers in red is considered a modification & could possibly result in increased Insurance premiums,is this correct?

Hi, although this is down to the insurer's discretion, as it is a change from factory standard some insurers may deem this as a modification.

Jamie

Thanks for your reply Jamie,i'm sure that everyone here wants to stay within the terms & conditions of their Policies as it seems that it could easily be an unintentional modification that makes their Policy Null & Void.
My Fiesta is insured with Adrian Flux & i have painted my brake calipers gold,would that be considered as a modification requiring me to notify your Company?

[eybic]

Ray100 said:

Thanks for your reply Jamie,i'm sure that everyone here wants to stay within the terms & conditions of their Policies as it seems that it could easily be an unintentional modification that makes their Policy Null & Void.
My Fiesta is insured with Adrian Flux & i have painted my brake calipers gold,would that be considered as a modification requiring me to notify your Company?

It won't do any harm to let them know then they will confirm whether it will cost more, if you've done it anyway it would be wise to let them know.

[JamieAtFlux]

Ray100 said:

Thanks for your reply Jamie,i'm sure that everyone here wants to stay within the terms & conditions of their Policies as it seems that it could easily be an unintentional modification that makes their Policy Null & Void.
My Fiesta is insured with Adrian Flux & i have painted my brake calipers gold,would that be considered as a modification requiring me to notify your Company?

Hi Ray, if you wanted to PM me your policy details I'd be happy to have a look for you.

Jamie

[Ray100]

eybic said:

Ray100 said:

Thanks for your reply Jamie,i'm sure that everyone here wants to stay within the terms & conditions of their Policies as it seems that it could easily be an unintentional modification that makes their Policy Null & Void.
My Fiesta is insured with Adrian Flux & i have painted my brake calipers gold,would that be considered as a modification requiring me to notify your Company?

It won't do any harm to let them know then they will confirm whether it will cost more, if you've done it anyway it would be wise to let them know.

Yes quite correct,i would always want to stay within my Policy Terms & Conditions although if my premiums increase as a result of painted brake calipers i would be very tempted to revert back to the original black. Wonder how many other drivers are driving around unaware that painting them may lead to a potential dispute if/when there is a claim?

[Ray100]

JamieAtFlux said:

Ray100 said:

Thanks for your reply Jamie,i'm sure that everyone here wants to stay within the terms & conditions of their Policies as it seems that it could easily be an unintentional modification that makes their Policy Null & Void.
My Fiesta is insured with Adrian Flux & i have painted my brake calipers gold,would that be considered as a modification requiring me to notify your Company?

Hi Ray, if you wanted to PM me your policy details I'd be happy to have a look for you.

Jamie

Hi Jamie,pm sent.

[Ray100]

Many thanks to Jamie,Hannah Southgate & James Bishop at Adrian Flux for all their help regarding my painted brake calipers. I never considered that painting my brake calipers would invalidate my Policy but it's not just the obvious things like alloy wheels/ecu chips,tinted windows etc that need to be declared but absolutely everything that's different from when the car left the factory when new. In my case Adrian Flux just noted the modification to my Policy at no extra cost.

[gwc1997]

Hi, Do Adrian Flux provide reasonable insurance for younger drivers? I'll be looking into getting another car this time next year when I turn 20 but I don't want something people my age normally have, I'm thinking American. Would you be able to insure me reasonably or should I hang on another year or two?
Oh and I can only drive automatics of that makes a difference.
Thanks, George

[JamieAtFlux]

gwc1997 said:

Hi, Do Adrian Flux provide reasonable insurance for younger drivers? I'll be looking into getting another car this time next year when I turn 20 but I don't want something people my age normally have, I'm thinking American. Would you be able to insure me reasonably or should I hang on another year or two?
Oh and I can only drive automatics of that makes a difference.
Thanks, George

Hi George,

We can certainly give you a quote for an American vehicle. It all depends on what you think is reasonable or not. The best thing to do would be to get in touch with a vehicle in mind and see what kind of price we can offer. If you wanted to PM me I'd be happy to arrange a quotation for you.

Kind Regards
Jamie

Edited by JamieAtFlux on Wednesday 27th July 10:25

[enna]

I totally agree with "British Beef"- I had the same problem with the insurance on our classic Porsche 944,wanted so much extra "bumff"unbelievable.
Be warned you must cancel your insurance cover with them in writing,as they will automatically continue when the policy is up for renewal

[andyroo]

Hi Jamie,

I hope you can help me out. I've just had a bit of an odd experience with one of your staff and I'm not sure if what happened was right or not...

Had my Jaguar insured with you guys since last September—gent I spoke to on the phone back then was very helpful, quote competitive etc etc. I've just swapped cars this weekend, called up to change the car on the policy and just been told that the insurer won't insure a car this expensive (it's not that expensive!) and that the only one quote they could give me on the car was over double what we've been quoted from the usual suspects like Admiral.

It gets worse! The lady then told me that not only could we not be provided with a competitive quote, that we would also lose the nine months of no claims bonus accrued and that we'd be charged £25 for the privilege!

Is this right? Can you help? Adrian Flux has been great in the past and I'm sure that something must have simply been lost in translation.

Thanks,

Andrew

[JamieAtFlux]

andyroo said:

Hi Jamie,

I hope you can help me out. I've just had a bit of an odd experience with one of your staff and I'm not sure if what happened was right or not...

Had my Jaguar insured with you guys since last September—gent I spoke to on the phone back then was very helpful, quote competitive etc etc. I've just swapped cars this weekend, called up to change the car on the policy and just been told that the insurer won't insure a car this expensive (it's not that expensive!) and that the only one quote they could give me on the car was over double what we've been quoted from the usual suspects like Admiral.

It gets worse! The lady then told me that not only could we not be provided with a competitive quote, that we would also lose the nine months of no claims bonus accrued and that we'd be charged £25 for the privilege!

Is this right? Can you help? Adrian Flux has been great in the past and I'm sure that something must have simply been lost in translation.

Thanks,

Andrew

Hi Andrew,

Without knowing the full details I cannot comment at this point, if you could PM me your policy details I'd be happy to take a look for you.

Kind Regards

[andyroo]

JamieAtFlux said:

Hi Andrew,

Without knowing the full details I cannot comment at this point, if you could PM me your policy details I'd be happy to take a look for you.

Kind Regards

Thanks Jamie, I've sent you a PM

[pidsy]

cut off twice whilst trying to renew.

and what on earth is a £45 policy issue fee??

you've charged me £45 just to click a mouse a couple of times and take my money? i so wanted to move away from Flux this year but noone could compete at such short notice.