RE: PHers To Get Up To 15% Insurance Discount With Flux
Discussion
nokio said:
I would like to say I'd renew but having just got off the phone to them I won't be bothering this year.
Last year I paid £680, this years renewal price £739, I have had no claims no points nothing has changed and it's gone up! Chris knott on the other hand will be getting my business 10 min phone call same details and they quoted £537.
I also enquired as to the amount of commission they would be earning out of this policy and was told £120 when I then asked why there was a £30 admin fee I was told "although we are earning £120 commission it's not really enough so we make it up through the admin fee"' although the person I spoke to who told me this was trying to be more helpful than the original person I spoke to, I told him I'd had a quote from confused.com for £538 the response I got was "well it's not as good a policy as ours, that's the best price we can do", please employ some staff with a slight interest in what they do.
Hello, sorry to hear you won't be insuring with Flux this year. As with all insurers our prices will fluctuate over the course of the year and after phoning around you may find us the cheapest next year. Rather than going through the call centre you can pm me some details when it is up for renewal and I can have a look at quotes for you. Last year I paid £680, this years renewal price £739, I have had no claims no points nothing has changed and it's gone up! Chris knott on the other hand will be getting my business 10 min phone call same details and they quoted £537.
I also enquired as to the amount of commission they would be earning out of this policy and was told £120 when I then asked why there was a £30 admin fee I was told "although we are earning £120 commission it's not really enough so we make it up through the admin fee"' although the person I spoke to who told me this was trying to be more helpful than the original person I spoke to, I told him I'd had a quote from confused.com for £538 the response I got was "well it's not as good a policy as ours, that's the best price we can do", please employ some staff with a slight interest in what they do.
Ash
Jordan Rich said:
HAHAHA! i just got a quote to insure my Disco, £29,500! That's just over 23 times the value of the car... but its the first company that has ever given me a quote, so im fairly impressed! still, i think ill pass on that thanks 
Did you mention the 15% Pistonheads discount? 
It sounds like we had no schemes available with your details so the computer generated a rate. If you want to PM me some details I'll see if there was a reason we couldn't quote properly.
Ash
Hello
I'll be away for a couple of weeks from the end of today. I'll be checking in on here from time to time but if you have any enquiries, need a quote or help regarding policies with us then please
e-mail david.hayter@adrianflux.co.uk rather than pm'ing me. If you do PM me I will be back on the 18th of July and will deal your request then.
Thanks
Ash
I'll be away for a couple of weeks from the end of today. I'll be checking in on here from time to time but if you have any enquiries, need a quote or help regarding policies with us then please
e-mail david.hayter@adrianflux.co.uk rather than pm'ing me. If you do PM me I will be back on the 18th of July and will deal your request then.
Thanks
Ash
Ash From Flux said:
Simond S said:
Just had a renewal letter come through.
Is it normal to have a Policy issue fee, finance fee and excess protection fee?
These three fees come to £104.99
Ash, reference 20841839
HelloIs it normal to have a Policy issue fee, finance fee and excess protection fee?
These three fees come to £104.99
Ash, reference 20841839
It looks like you have got a large excess of £1000 on the policy (some of that being voluntary) which has made a significant saving on your insurance.
As a youngster, and according to 'risk' he is more likely to make a claim than other more mature lower risk drivers - so we are all told by insurer's; so trying to offer this as a saving is shocking - he's being ripped off already!
Trade descriptions would have a field day with that. After all, anyone under the age of 25 is trying their hardest to make it a couple of years accident free so that they pay reasonable insurance amounts. There is nothing reasonable about the unrealistic prices, and they are nothing short of extortion.
Ash From Flux said:
But what we have offered to you at renewal is the same as what you took out with us last year which is the excess protection. It is optional however but it costs £49.99 and makes your excess £0.
£50 for this additional insurance (TWICE)? Of course when he comes to renew following a claim, during his accident disclosure, his premium will inflate anyway due to having made the claim.. that is so scammy it's untrue. Of course, should he actually make it through the whole year accident free, then upon renewal you get to offer him another insurance on an insurance Protected NCB..and it's the reason that I do not insure my NCB - there should be a law against this. Ash From Flux said:
The policy set up fee is £30 which always applied to new policies and renewals. The finance fee is £25 for setting up agreements etc which can be taken off if you decide to pay in full. If you get any quotes elsewhere with similar terms that are cheaper then please give us a call to see if the renewals team can do anything else.
This also implies smugness. As if hiding behind all the other insurer's that also charge unrealistic premiums and charges makes it acceptable - it's not. Ash From Flux said:
Your policy is set to be automatically renewed so please call us if you need to make any changes or don't want the policy etc.
Thanks
Ash
Thanks
Ash
theboyfold said:
Thought I'd just mention your policy of sending through an inflated quote with the promise of automatic renewal just lost you a customer. Lucky for me I had to change my card this year.
I utterly hate that practice and I've found a better policy which is 30% less than your inflated quote.
Automatic policy renewal! Here we go again! Another scam; yet a few posts ago we hear of another customer that has insurance automatically declined due to an error beyond his control (documents lost in post). I utterly hate that practice and I've found a better policy which is 30% less than your inflated quote.
Rob205 said:
7) I have been told by Adrian Flux that they took it upon themselves to cancel the policy with the insurance company as they could find no record of receiving the copy of my licence, this action was not instigated by the insurance company. For this privilege I owe the insurance company a £20 administration fee, Adrian Flux a £25 administration fee plus £21.70 commission for their services.
License is readily searchable from DVLA - my company does it. So while everything is on a National Insurance Database and the DVLA provides automatic license checking, this broker chose to cancel an insurance on their inability to communicate with the customer? Oh well, at least you can grab another £66.70 in policy exit fees! Of course if you have serviced your customer correctly you would have him for the next renewal and so forth.I've got an idea; why don't you offer a 'Paperwork Lost at Renewal Insurance..' to cover events above!
It would seem that Flux feels fit to choose to take payment when it suits, but cancels policies willy nilly.
Ash, without prejudice - if you want to do something constructive then take the fight about rip off premiums back to the insurers.
Be an ambassador for insurance by standing up for your customers and feedback the responses to the board.
Hitting the youngsters is the worst scam ever - these people will be running the country in a few years time and looking after your pensions!
If you've ever wondered why you don't see insurers taking part in debates online - this is why. There is no justification for the premiums charged to the under 25's and until the industry does something to change this, the general consensus will continue to be extortion. It's also the reason you are seeing an ever higher demographic of uninsured drivers.
I'm done - for now.
I think you should not always take something that is written on an internet forum as 'gospel'. Ash, and Flux, are here to try to provide advice and help for the general public, and whilst i'm sure they are always looking to improve the services they provide, because there is a human element involved, sometimes mistakes are made, same as any other industry.
Just a bit of info on the XS protect. As i'm sure you are aware, by taking a higher voluntary XS, it can significantly reduce your premium. I don't know the circumstances of the poster that you are quoting, but by using a £500 voluntary XS (don't forget thats on top of a compulsary xs), it can give UP TO, 25% off the insurance. If your premium was say £1000, with a £100xs, then it'd make sense to look into the possibility of raising your XS and possibly taking another £250 off the insurance, but paying £49.99 to protect the XS, then if you made a claim, you'd be reimbursed for an amount equal to your XS.
I don't ever recall Ash saying that he is offering a policy that protects the price of the insurance, I don't think such a product exists. Thats a common misconception with protected no claims bonus. People think because they have paid a premium to protect the NCB, that means they keep the insurance the same price or even don't disclose claims on future insurances.
I've not got much time either for policy fees, but its a part of the industry to stay unless in unlikely event the gov bring in some sort of law to stop it. If you're unsure what a broker is charging for fees, or commission, ask them. They've a duty to explain and chargable products included in your insurance.
Automatically policy renewal is there for your protection. Most policies will have a 14 day cooling off period. If you're not sensible enough to check when your renewal is due, or if you're away on holiday, whatever, unless you've pre-arranged and as long as its stated in the T+C's, an insurer will try to renew it automatically. I beleive Flux normally send a renewal invite around 3 weeks before its due, i'd have thought that would be long enough to decide/shop around.
Don't think its for me to comment as to why they are not ambassadors for insurance...
LF, i'm curious, do you yourself work for an insurer/broker?
Just a bit of info on the XS protect. As i'm sure you are aware, by taking a higher voluntary XS, it can significantly reduce your premium. I don't know the circumstances of the poster that you are quoting, but by using a £500 voluntary XS (don't forget thats on top of a compulsary xs), it can give UP TO, 25% off the insurance. If your premium was say £1000, with a £100xs, then it'd make sense to look into the possibility of raising your XS and possibly taking another £250 off the insurance, but paying £49.99 to protect the XS, then if you made a claim, you'd be reimbursed for an amount equal to your XS.
I don't ever recall Ash saying that he is offering a policy that protects the price of the insurance, I don't think such a product exists. Thats a common misconception with protected no claims bonus. People think because they have paid a premium to protect the NCB, that means they keep the insurance the same price or even don't disclose claims on future insurances.
I've not got much time either for policy fees, but its a part of the industry to stay unless in unlikely event the gov bring in some sort of law to stop it. If you're unsure what a broker is charging for fees, or commission, ask them. They've a duty to explain and chargable products included in your insurance.
Automatically policy renewal is there for your protection. Most policies will have a 14 day cooling off period. If you're not sensible enough to check when your renewal is due, or if you're away on holiday, whatever, unless you've pre-arranged and as long as its stated in the T+C's, an insurer will try to renew it automatically. I beleive Flux normally send a renewal invite around 3 weeks before its due, i'd have thought that would be long enough to decide/shop around.
Don't think its for me to comment as to why they are not ambassadors for insurance...
LF, i'm curious, do you yourself work for an insurer/broker?
Oh what a surprise. Another insurance company employee with a conflicting view - how refreshing.
Clearly I'm missing the point.
If you get wheel-clamped, asking for a breakdown of the charges doesn't make you feel better does it? That's how you feel when you get over-charged for insurance.
That comment is typical of the blatant attitude from Flux, and exactly the reason I will NEVER insure with them again. Clearly as you know all about it I am presuming you also work for Flux. Are you Ash by any chance? You do realise that two accounts is a nono? There are a thousand reasons as you have stated why a policy holder may not be able to respond, BUT what gives you the right to increase the premiums AND auto renew without the policy holders' acceptance?
andyjo1982 said:
I think you should not always take something that is written on an internet forum as 'gospel'. Ash, and Flux, are here to try to provide advice and help for the general public, and whilst i'm sure they are always looking to improve the services they provide, because there is a human element involved, sometimes mistakes are made, same as any other industry.
Did you read/contribute to the first thread? Do you know why it was closed down? I think it would be fair to say that the majority of people on that thread were not happy with insurance, and a lot also not happy specifically with the services of Flux. I speak from personal experience from having 6 motorcycles insured with them previously. It was all clear to see on the last thread. Human error? I don't think so. Rude and arrogant on the phone, NCB details lost even though the previous years' insurance was with them, and policy's suspended while they look for their own NCB.. don't worry I'm sure they'll find it in an old filing cupboard somewhere but don't worry I'm not going to dig it up again.andyjo1982 said:
Just a bit of info on the XS protect. As i'm sure you are aware, by taking a higher voluntary XS, it can significantly reduce your premium. I don't know the circumstances of the poster that you are quoting, but by using a £500 voluntary XS (don't forget thats on top of a compulsary xs), it can give UP TO, 25% off the insurance. If your premium was say £1000, with a £100xs, then it'd make sense to look into the possibility of raising your XS and possibly taking another £250 off the insurance, but paying £49.99 to protect the XS, then if you made a claim, you'd be reimbursed for an amount equal to your XS.
What would make sense it is have reasonable insurance like we used to have 20 years ago. Now we have compounded insurance on insurance. You might think that it's reasonable to take out another insurance to give peace of mind in the event of a claim, but I do not. While we are at it, could you please post up some statistics relating to 17 year old drivers, and out of all of them per annum, the amount of accidents they have, and the cost of repairs per driver. I would love to see this. Obviously when when our siblings are getting charged £2,200 to insure a dangerous Nissan Micra, I must be missing something. That despite the Driving Test becoming more thorough, with a better level of education, better equipped cars with better brakes, and drivers' aids.. yet a while ago when we drove around in death traps with drum brakes and cross-ply tyres, OUR insurance was less than 10% of that.. Clearly I'm missing the point.
andyjo1982 said:
I don't ever recall Ash saying that he is offering a policy that protects the price of the insurance, I don't think such a product exists. Thats a common misconception with protected no claims bonus. People think because they have paid a premium to protect the NCB, that means they keep the insurance the same price or even don't disclose claims on future insurances.
Eh? Where did I say that? Where did Ash say that? Have you been licking too many yoghurt lids?? andyjo1982 said:
I've not got much time either for policy fees, but its a part of the industry to stay unless in unlikely event the gov bring in some sort of law to stop it.
You've not got much time either for policy fees? Oh that makes it all right then doesn't it. The government earn tax on insurance so that's hardly likely is it.andyjo1982 said:
If you're unsure what a broker is charging for fees, or commission, ask them. They've a duty to explain and chargable products included in your insurance.
Asking them what the charges and fees are is irrelevant. I'm specifically complaining about the number of them and the ever growing costs as has been mentioned on this thread. If you get wheel-clamped, asking for a breakdown of the charges doesn't make you feel better does it? That's how you feel when you get over-charged for insurance.
andyjo1982 said:
Automatically policy renewal is there for your protection. Most policies will have a 14 day cooling off period. If you're not sensible enough to check when your renewal is due, or if you're away on holiday, whatever, unless you've pre-arranged and as long as its stated in the T+C's, an insurer will try to renew it automatically. I beleive Flux normally send a renewal invite around 3 weeks before its due, i'd have thought that would be long enough to decide/shop around.
That comment is typical of the blatant attitude from Flux, and exactly the reason I will NEVER insure with them again. Clearly as you know all about it I am presuming you also work for Flux. Are you Ash by any chance? You do realise that two accounts is a nono? There are a thousand reasons as you have stated why a policy holder may not be able to respond, BUT what gives you the right to increase the premiums AND auto renew without the policy holders' acceptance? andyjo1982 said:
Don't think its for me to comment as to why they are not ambassadors for insurance...
Agreed!andyjo1982 said:
LF, i'm curious, do you yourself work for an insurer/broker?
No, but with 9 current various policies it might be beneficial. Clearly you do when you're not starting threads about licking yoghurt lids.I wasn't being confrontational or aggressive in anything I wrote, so i'm not really sure why you feel the need to try to ridicule me.
You seem full of wonderful ideas to improve the insurance industry, i'll leave you to carry on discussing them. Appologies for sharing an insight, and for trying to give you a point of view from the inside.
Have a good weekend
You seem full of wonderful ideas to improve the insurance industry, i'll leave you to carry on discussing them. Appologies for sharing an insight, and for trying to give you a point of view from the inside.
Have a good weekend
Edited by andyjo1982 on Saturday 14th July 23:05
I myself am a 17 year old driver and will be checking flux prices later. The cheapest ever quote I have had was £1600 for an old mini 1L. I have also been looking at Clios, micra etc on a well known comparison site the cheapest price I have had from them is £2600 but most of them are £3000+. Then one day I had a look at LV and they quoted me £1800 for the same cars.
This is unreal! £3000 so that I can drive my car on the road!? The cars only worth £600. Yes I have looked at statistics but not every young driver is a death trap on the roads! I am lucky enough to be driving through a garage policy at the moment and I can honestly say that most of the bad driving is from old people or middle aged woman. Yes there are bad men drivers but woman seem to just drive about with no care for other road users.
Reading a topic about the first cars people have owned I was amazed. 17 year olds 20-30 years ago driving 3L capris and other powerfull cars. My mums first car was a Fiesta XR2 and she paid very little for insurance. So the other day I tried to get insured on the same type of car and it was £4500!!.
My friend who has been driving for 2 years has a modified 1.8 Astra SXI and it costs him £1500 to insure it. I have been riding motorbikes for 2 years. Now as everyone knows riding a motorbike is more dangerous and trust me it is. Going to college at 8am every morning I constantly had people pulling out on me and other road hazards like ice etc so you could say I have got good experience of driving but still insurance is £3000 for me?.
I have a question. When I used my motorbike I was on Third party insurance so does this mean I have NCD? If so can someone name a good company for it ?
So I have a proposal for you Ash. You go to the head guy and ask him to do this for me. Give me an insurance quote say £800- £1000 for a 1.2 clio with let's say a £1000 excess if I crash and I will use your company for the next 5 years. Sounds like a fair deal to me? I'm bringing in you the money for the next 5 years and if I crash you dont have to pay much if anything.
This is unreal! £3000 so that I can drive my car on the road!? The cars only worth £600. Yes I have looked at statistics but not every young driver is a death trap on the roads! I am lucky enough to be driving through a garage policy at the moment and I can honestly say that most of the bad driving is from old people or middle aged woman. Yes there are bad men drivers but woman seem to just drive about with no care for other road users.
Reading a topic about the first cars people have owned I was amazed. 17 year olds 20-30 years ago driving 3L capris and other powerfull cars. My mums first car was a Fiesta XR2 and she paid very little for insurance. So the other day I tried to get insured on the same type of car and it was £4500!!.
My friend who has been driving for 2 years has a modified 1.8 Astra SXI and it costs him £1500 to insure it. I have been riding motorbikes for 2 years. Now as everyone knows riding a motorbike is more dangerous and trust me it is. Going to college at 8am every morning I constantly had people pulling out on me and other road hazards like ice etc so you could say I have got good experience of driving but still insurance is £3000 for me?.
I have a question. When I used my motorbike I was on Third party insurance so does this mean I have NCD? If so can someone name a good company for it ?
So I have a proposal for you Ash. You go to the head guy and ask him to do this for me. Give me an insurance quote say £800- £1000 for a 1.2 clio with let's say a £1000 excess if I crash and I will use your company for the next 5 years. Sounds like a fair deal to me? I'm bringing in you the money for the next 5 years and if I crash you dont have to pay much if anything.
VTECBOY said:
I myself am a 17 year old driver and will be checking flux prices later. The cheapest ever quote I have had was £1600 for an old mini 1L. I have also been looking at Clios, micra etc on a well known comparison site the cheapest price I have had from them is £2600 but most of them are £3000+. Then one day I had a look at LV and they quoted me £1800 for the same cars.
This is unreal! £3000 so that I can drive my car on the road!? The cars only worth £600. Yes I have looked at statistics but not every young driver is a death trap on the roads! I am lucky enough to be driving through a garage policy at the moment and I can honestly say that most of the bad driving is from old people or middle aged woman. Yes there are bad men drivers but woman seem to just drive about with no care for other road users.
Reading a topic about the first cars people have owned I was amazed. 17 year olds 20-30 years ago driving 3L capris and other powerfull cars. My mums first car was a Fiesta XR2 and she paid very little for insurance. So the other day I tried to get insured on the same type of car and it was £4500!!.
My friend who has been driving for 2 years has a modified 1.8 Astra SXI and it costs him £1500 to insure it. I have been riding motorbikes for 2 years. Now as everyone knows riding a motorbike is more dangerous and trust me it is. Going to college at 8am every morning I constantly had people pulling out on me and other road hazards like ice etc so you could say I have got good experience of driving but still insurance is £3000 for me?.
I have a question. When I used my motorbike I was on Third party insurance so does this mean I have NCD? If so can someone name a good company for it ?
So I have a proposal for you Ash. You go to the head guy and ask him to do this for me. Give me an insurance quote say £800- £1000 for a 1.2 clio with let's say a £1000 excess if I crash and I will use your company for the next 5 years. Sounds like a fair deal to me? I'm bringing in you the money for the next 5 years and if I crash you dont have to pay much if anything.
Hello This is unreal! £3000 so that I can drive my car on the road!? The cars only worth £600. Yes I have looked at statistics but not every young driver is a death trap on the roads! I am lucky enough to be driving through a garage policy at the moment and I can honestly say that most of the bad driving is from old people or middle aged woman. Yes there are bad men drivers but woman seem to just drive about with no care for other road users.
Reading a topic about the first cars people have owned I was amazed. 17 year olds 20-30 years ago driving 3L capris and other powerfull cars. My mums first car was a Fiesta XR2 and she paid very little for insurance. So the other day I tried to get insured on the same type of car and it was £4500!!.
My friend who has been driving for 2 years has a modified 1.8 Astra SXI and it costs him £1500 to insure it. I have been riding motorbikes for 2 years. Now as everyone knows riding a motorbike is more dangerous and trust me it is. Going to college at 8am every morning I constantly had people pulling out on me and other road hazards like ice etc so you could say I have got good experience of driving but still insurance is £3000 for me?.
I have a question. When I used my motorbike I was on Third party insurance so does this mean I have NCD? If so can someone name a good company for it ?
So I have a proposal for you Ash. You go to the head guy and ask him to do this for me. Give me an insurance quote say £800- £1000 for a 1.2 clio with let's say a £1000 excess if I crash and I will use your company for the next 5 years. Sounds like a fair deal to me? I'm bringing in you the money for the next 5 years and if I crash you dont have to pay much if anything.
Unfortunately prices for everyone including young drivers are going up constantly. Things like false PI claims are one of the main reasons. In an ideal world your proposal sounds good but in reality no one can guarantee no claims for 5 years. I see what you are saying about having a low value car and a high excess would mean no payout if you crashed your car however if there were any accidents involving third parties then costs can be much higher. If you are after a quote then fee free to pm me the details below and I can have a look at a quote.
Thanks
Ash
VTECBOY said:
I myself am a 17 year old driver and will be checking flux prices later. The cheapest ever quote I have had was £1600 for an old mini 1L. I have also been looking at Clios, micra etc on a well known comparison site the cheapest price I have had from them is £2600 but most of them are £3000+. Then one day I had a look at LV and they quoted me £1800 for the same cars.
This is unreal! £3000 so that I can drive my car on the road!? The cars only worth £600. Yes I have looked at statistics but not every young driver is a death trap on the roads! I am lucky enough to be driving through a garage policy at the moment and I can honestly say that most of the bad driving is from old people or middle aged woman. Yes there are bad men drivers but woman seem to just drive about with no care for other road users.
Reading a topic about the first cars people have owned I was amazed. 17 year olds 20-30 years ago driving 3L capris and other powerfull cars. My mums first car was a Fiesta XR2 and she paid very little for insurance. So the other day I tried to get insured on the same type of car and it was £4500!!.
My friend who has been driving for 2 years has a modified 1.8 Astra SXI and it costs him £1500 to insure it. I have been riding motorbikes for 2 years. Now as everyone knows riding a motorbike is more dangerous and trust me it is. Going to college at 8am every morning I constantly had people pulling out on me and other road hazards like ice etc so you could say I have got good experience of driving but still insurance is £3000 for me?.
I have a question. When I used my motorbike I was on Third party insurance so does this mean I have NCD? If so can someone name a good company for it ?
So I have a proposal for you Ash. You go to the head guy and ask him to do this for me. Give me an insurance quote say £800- £1000 for a 1.2 clio with let's say a £1000 excess if I crash and I will use your company for the next 5 years. Sounds like a fair deal to me? I'm bringing in you the money for the next 5 years and if I crash you dont have to pay much if anything.
LOL, nice try. Unfortunately, statistically you are as bad as it gets. A bloke. 17 years old, and less than a year of experience.This is unreal! £3000 so that I can drive my car on the road!? The cars only worth £600. Yes I have looked at statistics but not every young driver is a death trap on the roads! I am lucky enough to be driving through a garage policy at the moment and I can honestly say that most of the bad driving is from old people or middle aged woman. Yes there are bad men drivers but woman seem to just drive about with no care for other road users.
Reading a topic about the first cars people have owned I was amazed. 17 year olds 20-30 years ago driving 3L capris and other powerfull cars. My mums first car was a Fiesta XR2 and she paid very little for insurance. So the other day I tried to get insured on the same type of car and it was £4500!!.
My friend who has been driving for 2 years has a modified 1.8 Astra SXI and it costs him £1500 to insure it. I have been riding motorbikes for 2 years. Now as everyone knows riding a motorbike is more dangerous and trust me it is. Going to college at 8am every morning I constantly had people pulling out on me and other road hazards like ice etc so you could say I have got good experience of driving but still insurance is £3000 for me?.
I have a question. When I used my motorbike I was on Third party insurance so does this mean I have NCD? If so can someone name a good company for it ?
So I have a proposal for you Ash. You go to the head guy and ask him to do this for me. Give me an insurance quote say £800- £1000 for a 1.2 clio with let's say a £1000 excess if I crash and I will use your company for the next 5 years. Sounds like a fair deal to me? I'm bringing in you the money for the next 5 years and if I crash you dont have to pay much if anything.
It isnt just the value of the car, it is all the objects (cars, people, road furniture) that you take out when you have an accident.
Craikeybaby said:
Should the PH discount be mentioned anywhere in the documentation I got through?
HelloWe count Pistonheads members the same as owners club members most of the time as it applies similar discounts. I don't think it would show on any of your docs as its within the calculations when working out your rate. If you are not sure if it has been applied then you can PM me your details and I can double check for you.
Thanks
Ash
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