RE: PistonHeads/Adrian Flux partnership
Discussion
People are more motivated to talk of negative experiences than positive ones.
When I got a quote for my car, Adrian Flux were two thirds cheaper than anyone else. I couldn't hit the button fast enough. I didn't know about the PH discount at the time sadly.
They also cleared up a no-claims mess Admiral made quickly and effectively.
Big thumbs up for me.
When I got a quote for my car, Adrian Flux were two thirds cheaper than anyone else. I couldn't hit the button fast enough. I didn't know about the PH discount at the time sadly.
They also cleared up a no-claims mess Admiral made quickly and effectively.
Big thumbs up for me.
La Liga said:
People are more motivated to talk of negative experiences than positive ones.
Agreed. I used Flux for competition car insurance for many years without hassle, but that was a while back. The fact that they managed to write off so many years of goodwill with a long-standing customer in a single phone call means they're not getting my business any more.St John Smythe said:
ZOLLAR said:
crispyshark said:
Rtype said:
Not a flux employee by any means. Just a chartered member of the insurance industry, still amazed at how thick you people really are 
From one Insurance professional to another....you just won 'bellend of the thread' for that one! Congrats! Mega lolz, smiley face.An expensive insurance policy doesn't guarantee great service or cover, likewise you can obtain great cover for low premiums.
The reason you all moan about paying it is because it is a requirement and for all intensive purposes you cannot see an immediate benefit for your money & hate doing it because you are told to by law. Then you all moan when your product isn't what you think it is.
Long & short of it is if you ask a Chubb, ZPC or Hiscox client about their "experience" when needed, they wouldn't shop budget - Unless your tighter than a nuns proverbial.
Edited by Rtype on Friday 2nd October 15:56
shakindog said:
Cancelled my insurance with them this morning as sold my spare car. Yes no problem that will be £96 please.
I don't begrudge paying a fee for cancellation but nearly a quarter of the premium is nuts.
I shall not be using them again
At least I wasn't the only one who found this.I don't begrudge paying a fee for cancellation but nearly a quarter of the premium is nuts.
I shall not be using them again
NO renewal notice sent through two years on the trot. Only when I rung did I find out they wanted an extortional amount to renew my policy (customer loyalty?) then when I told them no thanks, they calmly said that's fine, 75 quid to cancel.
Then immediately sent letters threatening bailiffs if I didn't pay up. So YOU CAN send letters when it pleases you then eh?
Oh and to the certain person who thinks its always about the cheapest and therefore we deserve it, they were never the cheapest, but always the most rubbish.
Rtype said:
The reason you all moan about paying it is because it is a requirement and for all intensive purposes you cannot see an immediate benefit for your money & hate doing it because you are told to by law.
Have you actually read what people are complaining about? We're not all complaining about paying for insurance. Personally, I can see a benefit to having insurance and would still have it even if it wasn't a legal requirement. I don't mind paying for a product. What I do mind is the pi$$ taking cost that some companies (including Flux) land you with for changing details and cancelling policies etc. Its shocking. This coupled with the 'discounts' which aren't really discounts leaves a bad taste, and people are well within their rights to vent about it. I hope the posts on here are useful to some who are considering using Flux - if I knew all this a year ago I wouldn't have signed up with them.Oh, and its 'intents and purposes' not 'intensive purposes', lol
JordanAtFlux said:
Thought it was my cue to jump in some of you may already know me from the existing forum but I've represented flux on PH for quite some time. Unfortunately I'm actually soon leaving to work in a different area in the motoring industry but as it’s my last week thought I'd jump on for old times sake!
Looks like my replacement may have a bit of a task on their hands! We were unaware that there was quite so much Flux negativity in the ether...we have hundreds of PHers already insured with us so thought we were all quite well aligned. This is exactly where the hidden value of a forum such as this is gain insight from non/ex customers in the hope that we can change process/opinion. Hopefully with this new partnership we can win back the hearts of those PHers who have gone elsewhere and explain the benefits of insuring via us to those who haven't already.
Just to clear up a couple of points
Depending on which number you called through on, the club member discount may or may not be already applied. The 0800 369 8586 number is unique to PH so anyone calling through on that the system will automatically recognise the source and we then apply the discount. I must reiterate however that this is UP TO 15% discount, as we are a broker we work with over 40 underwriters and well over 200 schemes. This means that whilst one insurer may offer a full 15% discount, another insurer may only offer 5% discount for being a member – It all comes down to which insurer offers you the most competitive quotation. We offer the club discount as our way of giving something back to the club.
If it ever comes up that we can’t offer the club discount for any reason – This is very likely to be due to the insurers we work with having minimum premiums that we cannot quote below. This means that you are already being offered the minimum premium that particular insurer offers for any client. We, unfortunately cannot change that!
Thank you for the feedback though, it highlights an education process need for the call centre that this perhaps should be highlighted more. I would welcome anyone with any particular case they would like me to look into to DM me the details.
Comments like "we don’t like Imprezas" are a concern, we'd say those types of cars are our core focus we have countless insured with us currently on the system. It may have been less about the car and more to do with other circumstances, I'll happily arrange for this to be looked at to see if there is anything more we can do though if you can DM me.
Commercially there is a win for both sides of course there is its business and it would be silly to say otherwise but PH and Adrian Flux have been discussing this partnership idea in the background for around 9 months and decisions haven't been taken lightly. PH chose to partner with us based on the volume of existing customers already using the service, our ability to provide bespoke quotes and stay competitive on specialist cars along with our appetite to give more value back through upcoming events and competitions (you'll find out more in due course).
As it’s my last week please let me know if there’s anything I can fix before I leave (although I'll probably regret saying that!)
Jordan
Thanks for your response on behalf of Flux.
I think what myself and many others feel a little disillusioned about is that you bill yourselves as ‘specialists’ when actually you are little more than a middle man/comparison site that has access to many insurance schemes. The people who answer our calls are not facultative risk underwriters or ‘specialists’, they are call centre workers who may or may not know much about our respective steeds. They input data onto a strict pricing tool (set by actual underwriters who provide you insurance capacity).
Ultimately they are bound by a computer system and will have little opportunity to discuss an individual’s insurance with a proper underwriter. It does however have to be highlighted that there are other actual ‘specialist’ insurers that clearly have broad underwriting authority allowed under their binder and can set a premium themselves.
Your business is mass through flow/frequency of business….you know that for every disgruntled customer on here or any other forum, that you will have 100 more who will continue to use you and not question your pricing or cover….that’s the market. At the end of the day, you pays your money, you takes your choice.
Things that annoy we the ‘enthusiasts’, especially when you are pedaling you wares on an forum/site like this
1) Don’t patronise us….we aren’t stupid and we know how your company works….you are a glorified Go Compare with a big marketing budget
2) Acknowledge there are others who do ‘specialise’ in certain makes/models and modifications and will consider and underwrite on a risk by risk basis (basically, not you guys who only want to write vanilla risks) and don’t charge astronomical admin fees
3) Be transparent about minimum premiums and discounts….and not just in small print
4) Don’t jump in on threads as ‘Adrian Flux’ on forums where people are asking for advice or introducing themselves….I’ve seen this on scoobynet a few times with as bad a reaction as this
Regards the “We don’t like Imprezas” issue…yes, that’s what one of your employees said to me over the phone. What I found hard to get my head around is that you were willing to insure a Boxster S for circa £20k in the same circumstances with the same driver for far less than £1k. I understand geographical and theft rating but surely quoting over £1k for an unmodified Impreza worth £2,800 when you have charged so little for the soft top Porsche, would encourage you to go back to underwriters and question this or even look to find a better provider/insurer for Subarus….if you are a ‘specialist’ that is?
Jordanatflux...
you dont like comments like "we don't like impreza's"
what about "the second car you are insuring with us is returning a higher quote because its not expensive enough"
quick question - e46 M3 worth £10k ish - £600 ish to cover
A4 Avant worth £1k - £575 to insure (as a dog car) and apparently not worth enough to give me a decent quote. ok - i'll cancel both policies and go elsewhere - that'll be £110 to cancel sir.
oh, and my off roader is too modified to cover at all.
you dont like comments like "we don't like impreza's"
what about "the second car you are insuring with us is returning a higher quote because its not expensive enough"
quick question - e46 M3 worth £10k ish - £600 ish to cover
A4 Avant worth £1k - £575 to insure (as a dog car) and apparently not worth enough to give me a decent quote. ok - i'll cancel both policies and go elsewhere - that'll be £110 to cancel sir.
oh, and my off roader is too modified to cover at all.
funkyrobot said:
Another fine example of the sad direction in which PH is heading.
Not heading...threads go far back.
2009
http://www.pistonheads.com/gassing/topic.asp?t=681...
2011
http://www.pistonheads.com/gassing/topic.asp?t=976...
Just need to search.
http://www.pistonheads.com/search?SearchText=adria...
Last time it was mentioned there was a lot of complaints that they 15% was already taken off, even if they rang the number on the website and none of the 'specialist' car club numbers.
It don't seem to be a one off at all or a new place that PH is going too.
Rtype said:
St John Smythe said:
ZOLLAR said:
crispyshark said:
Rtype said:
Not a flux employee by any means. Just a chartered member of the insurance industry, still amazed at how thick you people really are
From one Insurance professional to another....you just won 'bellend of the thread' for that one! Congrats! Mega lolz, smiley face.An expensive insurance policy doesn't guarantee great service or cover, likewise you can obtain great cover for low premiums.
The reason you all moan about paying it is because it is a requirement and for all intensive purposes you cannot see an immediate benefit for your money & hate doing it because you are told to by law. Then you all moan when your product isn't what you think it is.
Long & short of it is if you ask a Chubb, ZPC or Hiscox client about their "experience" when needed, they wouldn't shop budget - Unless your tighter than a nuns proverbial.
Edited by Rtype on Friday 2nd October 15:56
People have access to this information these days.
At the end of the day an insurance provider's shop window is its claims department and its servicing and I think what most people are complaining about is the inconsistency of service, pricing and unreasonable fees and unjustified premium corrections/pro rata charges (when compared to others).
Adrian Flux do not insure the risk...they are a middle man. The insurers do not set their 'fees'.
No one is moaning about 'paying', what people are annoyed about is disproportional charges from an apparent 'specialist'.
You sound a little bit like Katie Hopkins in the way you express your views; take that as you will.
Edited by crispyshark on Friday 2nd October 16:29
pidsy said:
Jordanatflux...
you dont like comments like "we don't like impreza's"
what about "the second car you are insuring with us is returning a higher quote because its not expensive enough"
quick question - e46 M3 worth £10k ish - £600 ish to cover
A4 Avant worth £1k - £575 to insure (as a dog car) and apparently not worth enough to give me a decent quote. ok - i'll cancel both policies and go elsewhere - that'll be £110 to cancel sir.
oh, and my off roader is too modified to cover at all.
I've also come across this, I can kind of understand a snotter being more likely to be driven by someone who doesn't care or maintain it but when I put my car in at 1k value and then the same car at the proper value of 3.5k the quotes went down by some way.you dont like comments like "we don't like impreza's"
what about "the second car you are insuring with us is returning a higher quote because its not expensive enough"
quick question - e46 M3 worth £10k ish - £600 ish to cover
A4 Avant worth £1k - £575 to insure (as a dog car) and apparently not worth enough to give me a decent quote. ok - i'll cancel both policies and go elsewhere - that'll be £110 to cancel sir.
oh, and my off roader is too modified to cover at all.
madness.
crispyshark said:
Rtype said:
St John Smythe said:
ZOLLAR said:
crispyshark said:
Rtype said:
Not a flux employee by any means. Just a chartered member of the insurance industry, still amazed at how thick you people really are
From one Insurance professional to another....you just won 'bellend of the thread' for that one! Congrats! Mega lolz, smiley face.An expensive insurance policy doesn't guarantee great service or cover, likewise you can obtain great cover for low premiums.
The reason you all moan about paying it is because it is a requirement and for all intensive purposes you cannot see an immediate benefit for your money & hate doing it because you are told to by law. Then you all moan when your product isn't what you think it is.
Long & short of it is if you ask a Chubb, ZPC or Hiscox client about their "experience" when needed, they wouldn't shop budget - Unless your tighter than a nuns proverbial.
Edited by Rtype on Friday 2nd October 15:56
People have access to this information these days.
At the end of the day an insurance provider's shop window is its claims department and its servicing and I think what most people are complaining about is the inconsistency of service, pricing and unreasonable fees and unjustified premium corrections/pro rata charges (when compared to others).
Adrian Flux do not insure the risk...they are a middle man. The insurers do not set their 'fees'.
No one is moaning about 'paying', what people are annoyed about is disproportional charges from an apparent 'specialist'.
You sound a little bit like Katie Hopkins in the way you express your views; take that as you will.
Edited by crispyshark on Friday 2nd October 16:29
. There is the first clear massive gape in your & everyone elses knowledge. but lemme guess. "No-one ever reads that so I shouldnt be held accountable for it!" haha. I see this everyday, if you don't like the charges, read your documentation. Many brokers have binders with insurers which allow them to write risk all they have to do is create a profitable book. Again a huge lack of understanding displayed.
You sound a lot like, you know very little about an industry and your comments back it up. To compare to a Journalist, any from mailonline will do!
Edited by Rtype on Friday 2nd October 16:40
Du1point8 said:
funkyrobot said:
Another fine example of the sad direction in which PH is heading.
Not heading...threads go far back.
2009
http://www.pistonheads.com/gassing/topic.asp?t=681...
2011
http://www.pistonheads.com/gassing/topic.asp?t=976...
Just need to search.
http://www.pistonheads.com/search?SearchText=adria...
Last time it was mentioned there was a lot of complaints that they 15% was already taken off, even if they rang the number on the website and none of the 'specialist' car club numbers.
It don't seem to be a one off at all or a new place that PH is going too.
Things with a proven terrible track record are on the cards again. Let's forget about the past, it's all different now.
Rtype said:
And you sound like the same "Journalist" who had no idea about insurance from the Legal threads. Your comments clearly show your lack of understanding, so don't go writing about it. Each broker has a TOBA (Terms of Business) if you agree to that, you cannot complain about charges it is given to you up front, via e-mail & via post. You have a 14 day distance based "cooling off period" if you choose to not cancel in this period, you should have read about the charges . There is the first clear massive gape in your & everyone elses knowledge. but lemme guess. "No-one ever reads that so I shouldnt be held accountable for it!" haha. I see this everyday, if you don't like the charges, read your documentation.
Many brokers have binders with insurers which allow them to write risk all they have to do is create a profitable book. Again a huge lack of understanding displayed.
You sound a lot like, you know very little about an industry, but dont. To compare to a Journalist, any from mailonline will do!
However predominately people are saying here once bitten twice shy. They've presumably gone on to find an insurer who they are more happy with.. There is the first clear massive gape in your & everyone elses knowledge. but lemme guess. "No-one ever reads that so I shouldnt be held accountable for it!" haha. I see this everyday, if you don't like the charges, read your documentation. Many brokers have binders with insurers which allow them to write risk all they have to do is create a profitable book. Again a huge lack of understanding displayed.
You sound a lot like, you know very little about an industry, but dont. To compare to a Journalist, any from mailonline will do!
You might feel that people are being unfair, or that they don't have the specialist knowledge that you have. Ultimately whether it's fair or not there is a good number of people who feel they've been burned by AF.
I don't think you can simply call people wrong for being upset. They might be upset for the wrong reasons, and maybe the terms and conditions are not clear in advance... I certainly can't remember any broker or insurer making them obvious in the past. Mind you the last time I dealt with a broker they were a pain in the ass, and I could not wait to deal direct with an insurer on renewal.
crispyshark said:
Jordan,
Thanks for your response on behalf of Flux.
I think what myself and many others feel a little disillusioned about is that you bill yourselves as ‘specialists’ when actually you are little more than a middle man/comparison site that has access to many insurance schemes. The people who answer our calls are not facultative risk underwriters or ‘specialists’, they are call centre workers who may or may not know much about our respective steeds. They input data onto a strict pricing tool (set by actual underwriters who provide you insurance capacity).
Ultimately they are bound by a computer system and will have little opportunity to discuss an individual’s insurance with a proper underwriter. It does however have to be highlighted that there are other actual ‘specialist’ insurers that clearly have broad underwriting authority allowed under their binder and can set a premium themselves.
Your business is mass through flow/frequency of business….you know that for every disgruntled customer on here or any other forum, that you will have 100 more who will continue to use you and not question your pricing or cover….that’s the market. At the end of the day, you pays your money, you takes your choice.
Things that annoy we the ‘enthusiasts’, especially when you are pedaling you wares on an forum/site like this
1) Don’t patronise us….we aren’t stupid and we know how your company works….you are a glorified Go Compare with a big marketing budget
2) Acknowledge there are others who do ‘specialise’ in certain makes/models and modifications and will consider and underwrite on a risk by risk basis (basically, not you guys who only want to write vanilla risks) and don’t charge astronomical admin fees
3) Be transparent about minimum premiums and discounts….and not just in small print
4) Don’t jump in on threads as ‘Adrian Flux’ on forums where people are asking for advice or introducing themselves….I’ve seen this on scoobynet a few times with as bad a reaction as this
Regards the “We don’t like Imprezas” issue…yes, that’s what one of your employees said to me over the phone. What I found hard to get my head around is that you were willing to insure a Boxster S for circa £20k in the same circumstances with the same driver for far less than £1k. I understand geographical and theft rating but surely quoting over £1k for an unmodified Impreza worth £2,800 when you have charged so little for the soft top Porsche, would encourage you to go back to underwriters and question this or even look to find a better provider/insurer for Subarus….if you are a ‘specialist’ that is?
Hi Crispyshark, Thanks for your response on behalf of Flux.
I think what myself and many others feel a little disillusioned about is that you bill yourselves as ‘specialists’ when actually you are little more than a middle man/comparison site that has access to many insurance schemes. The people who answer our calls are not facultative risk underwriters or ‘specialists’, they are call centre workers who may or may not know much about our respective steeds. They input data onto a strict pricing tool (set by actual underwriters who provide you insurance capacity).
Ultimately they are bound by a computer system and will have little opportunity to discuss an individual’s insurance with a proper underwriter. It does however have to be highlighted that there are other actual ‘specialist’ insurers that clearly have broad underwriting authority allowed under their binder and can set a premium themselves.
Your business is mass through flow/frequency of business….you know that for every disgruntled customer on here or any other forum, that you will have 100 more who will continue to use you and not question your pricing or cover….that’s the market. At the end of the day, you pays your money, you takes your choice.
Things that annoy we the ‘enthusiasts’, especially when you are pedaling you wares on an forum/site like this
1) Don’t patronise us….we aren’t stupid and we know how your company works….you are a glorified Go Compare with a big marketing budget
2) Acknowledge there are others who do ‘specialise’ in certain makes/models and modifications and will consider and underwrite on a risk by risk basis (basically, not you guys who only want to write vanilla risks) and don’t charge astronomical admin fees
3) Be transparent about minimum premiums and discounts….and not just in small print
4) Don’t jump in on threads as ‘Adrian Flux’ on forums where people are asking for advice or introducing themselves….I’ve seen this on scoobynet a few times with as bad a reaction as this
Regards the “We don’t like Imprezas” issue…yes, that’s what one of your employees said to me over the phone. What I found hard to get my head around is that you were willing to insure a Boxster S for circa £20k in the same circumstances with the same driver for far less than £1k. I understand geographical and theft rating but surely quoting over £1k for an unmodified Impreza worth £2,800 when you have charged so little for the soft top Porsche, would encourage you to go back to underwriters and question this or even look to find a better provider/insurer for Subarus….if you are a ‘specialist’ that is?
Thanks for the comments.
You are absolutely right in saying that we are an intermediary, we work on behalf of various underwriters. What separates us from your generic comparison site/every day broker is that we have specialist bespoke insurance schemes that no other insurer has access to. This gives us the upper hand in terms of what we can cover, and at what price. This means that us being a glorified Go Compare couldn't be further from the truth. Go-Compare amongst other comparison sites are aggregators - we're not an aggregator.
We've all heard of insurers that will not cover any modifications at all, whereas we can cover virtually anything with wheels (And even without wheels believe it or not!)- I understand there have been times where we've had to turn down particular cases where we don't have a market. This is not always down to the particular vehicle that we've been asked to cover. Every single detail that is provided to us is forming the risk - I know you guys aren't stupid and already know this though.
We also have numerous in house management which have their own schemes with underwriters which means yes they literally have the 'pen' to write up what ever they wish to do so. These are highly trained underwriters with a wealth of knowledge and often 25+ years of experience. Just because we have enter a clients details into the computer does not mean this is the end of the line, certain risks will not produce any results from our already existing schemes so we refer individual cases to both our in house underwriters and also directly on to a number of underwriters to ensure we are doing everything we can do provide the most competitive quotations.
The underwriters we work with absolutely have minimum premiums we have to adhere to - A number of our in house underwriters have no minimum premiums, however of course this doesn't go to say that they are going to underwrite the risk. If an underwriter politely says 'Thanks, but no thanks' then that's that. It's how insurance works, if the risk to the underwriter isn't attractive, they are either going to turn it down or offer a rate which lessens the risk to them.
Regarding administration fees, we are very transparent about this and have to be for obvious FCA regulations. Our administration fee is £25 which is read out in our FCA script every time a policy is taken out. Any other additional premiums are what the underwriter charges dependant on what the change is, and we will always provide a breakdown of charges upon request.
Without seeing the details regarding your issue on the Impreza issue I will struggle to make a comment, if you wish to DM me the details then I'll happily trace this and try to establish what the issue was. Unfortunately Imprezas are notoriously difficult to insure full stop, this is not just with ourselves. They have extremely high claim ratios, high theft ratios too. This is across the board however and we still underwrite the risk individually so it really is case dependant as to whether or not we will be able to compete.
I've said this before and I will stand by it, we are not always going to be competitive - I get that. I'm human too and haven't always worked in insurance. We won't ever compete on every occasion (Although we'd obviously love to!)
What I can say though is we're human beings, the large majority of employees are enthusiasts themselves (Our car park somedays will confirm this!) and we will hold our hands up when we've messed up.
I personally put a lot of effort into talking to members on forums, I am a member of various in my personal time too. I can assure you that if there is a case that anyone would like investigating then we will do it and try to resolve things amicably.
I hope the above is of some help and I'd welcome any further constructive comments.
Jordan
Rtype said:
crispyshark said:
Rtype said:
St John Smythe said:
ZOLLAR said:
crispyshark said:
Rtype said:
Not a flux employee by any means. Just a chartered member of the insurance industry, still amazed at how thick you people really are
From one Insurance professional to another....you just won 'bellend of the thread' for that one! Congrats! Mega lolz, smiley face.An expensive insurance policy doesn't guarantee great service or cover, likewise you can obtain great cover for low premiums.
The reason you all moan about paying it is because it is a requirement and for all intensive purposes you cannot see an immediate benefit for your money & hate doing it because you are told to by law. Then you all moan when your product isn't what you think it is.
Long & short of it is if you ask a Chubb, ZPC or Hiscox client about their "experience" when needed, they wouldn't shop budget - Unless your tighter than a nuns proverbial.
Edited by Rtype on Friday 2nd October 15:56
People have access to this information these days.
At the end of the day an insurance provider's shop window is its claims department and its servicing and I think what most people are complaining about is the inconsistency of service, pricing and unreasonable fees and unjustified premium corrections/pro rata charges (when compared to others).
Adrian Flux do not insure the risk...they are a middle man. The insurers do not set their 'fees'.
No one is moaning about 'paying', what people are annoyed about is disproportional charges from an apparent 'specialist'.
You sound a little bit like Katie Hopkins in the way you express your views; take that as you will.
Edited by crispyshark on Friday 2nd October 16:29
. There is the first clear massive gape in your & everyone elses knowledge. but lemme guess. "No-one ever reads that so I shouldnt be held accountable for it!" haha. I see this everyday, if you don't like the charges, read your documentation. Many brokers have binders with insurers which allow them to write risk all they have to do is create a profitable book. Again a huge lack of understanding displayed.
You sound a lot like, you know very little about an industry, but dont. To compare to a Journalist, any from mailonline will do!
The majority of people are complaining about service and the company billing themselves as a specialist when they clearly are not! Equally, there is nothing in the terms and conditions that would be able to tell you what pro rata premium you would be charged for changing your car mid term or what additional premium you would be charged for adding another driver. Adrian Flux couldn't tell you that without sight of the info prior to the event. However, if I deal with a 'specialist' I would like to think that they could speak to the underwriter if the premium quoted came back and seemed excess....rather than just accept the algorithm that influenced the calculation or even worse, accept 'computer says no' response.
Don't try and baffle with BS and don't try to kid a kidder.
Rtype said:
St John Smythe said:
ZOLLAR said:
crispyshark said:
Rtype said:
Not a flux employee by any means. Just a chartered member of the insurance industry, still amazed at how thick you people really are
From one Insurance professional to another....you just won 'bellend of the thread' for that one! Congrats! Mega lolz, smiley face.An expensive insurance policy doesn't guarantee great service or cover, likewise you can obtain great cover for low premiums.
The reason you all moan about paying it is because it is a requirement and for all intensive purposes you cannot see an immediate benefit for your money & hate doing it because you are told to by law. Then you all moan when your product isn't what you think it is.
Long & short of it is if you ask a Chubb, ZPC or Hiscox client about their "experience" when needed, they wouldn't shop budget - Unless your tighter than a nuns proverbial.
Edited by Rtype on Friday 2nd October 15:56
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