RE: PHers To Get Up To 15% Insurance Discount With Flux

RE: PHers To Get Up To 15% Insurance Discount With Flux

Author
Discussion

JordanAtFlux

1,138 posts

167 months

Thursday 11th September 2014
quotequote all
Hi Shaoxter,

We've obviously discussed this via email and I can't publicly post full details due to data protection and the like.

However we follow a strict FCA regulated procedure of data capture and data checking on the go ahead procedure, the whole reason we do this is if for example in this case a list of modifications is disclosed and one gets missed/lost in translation - this is checked one final time before purchase of the policy.

Unfortunately there is nothing more that can be done on this case as we had confirmed every modification we had listed which was confirmed as correct.

I can only apologise you are unhappy with the service provided & if I could do any more to help, I absolutely would.

Kind regards

Jordan

ZOLLAR

19,908 posts

172 months

Thursday 11th September 2014
quotequote all
Shaoxter said:
Shaoxter said:
OK a bit of a rant:

So I was getting some insurance quotes for my MR2 Turbo and Adrian Flux came up cheapest. All was well and good, guy I spoke to on the phone seemed knowledgeable and friendly. Quote was £365 for fully comp, all mods declared.... or so I thought.

They ask me to submit some documents, including a modified vehicle report form. After returning the form they tell me that half the mods I declared weren't specified when I originally rang them up, and that my premium would be increased by £75. Thing is, before I called any insurers I made a list of all the mods on the car and made sure to go through them one by one when I was getting quotes so I'm sure I mentioned everything to them.

Seems like they conveniently forgot to write down some mods on the phone and are now asking for more... rolleyes I asked for a recording of the call but that apparently costs £15. I also asked how much it would be to cancel the policy and they'd give me back less than £300. I thought there was a cooling off period? Not impressed.
So I gave up and paid the additional premium because it still worked out to be the cheapest quote.

The cynical side of me thinks this:
- During the initial quote I read off all the mods and they conveniently forget to note down the aftermarket ECU and consequent increase in bhp, so quote comes in cheap.
- When I call back to take out the policy they read back the list of mods and I nod along to everything, probably not paying attention and the ECU was not mentioned. My fault for not being more careful I know.
- I submit the modified vehicle form mentioning an ECU and hey presto the premium suddenly increases.
- Then I become buggered either way because it's ~£90 (25% of the premium) to cancel even within the 14 day cooling off period.

So basically lure you in with something that looks attractive so you don't go elsewhere, but then you're in for a little surprise and there's no way out. A bit like going into a Bangkok "massage" place.

But that's just me being cynical, I'm sure it was an honest mistake smile But then why not go through the modifications in exactly the same format as the modified vehicle form to avoid confusion?
Seriously, you think a large insurer has the inclination to go to all that effort for something that would get picked up easily by regulators if they were doing it many thousands of policyholders?
Agreed you are being too cynical, mistakes were made, they were costly that's the end of it.

pistontail

39 posts

113 months

Friday 17th October 2014
quotequote all
I just called Adrian Flux (used call me function).

Just wanted to give some feedback. No hard feelings btw.

First of all, I think if there is no online quote system, the call taker (customer services) should make the caller feel a bit more welcomed. I felt like i was being questioned and not a warm conversation. I understand the system Adrian Flux Call takers are using would be similar to the one we use to enter details online and also the questions, but the call taker should at least make it a bit less reading straight off computer in a reading manner. Because of that, some of the questions were asked again that were answered before.

Also, the call taker asks if you are a member of any forum or a car club but don't ask which one. How does the 15% work then?

Also, first thing was asked when I called was (after if i would like a new quote and for which car) was what is the cheapest quote I have found and from who. It makes sense but when I said I would rather not, i was told it's needed to give me competitive quote. I understand that Adrian Flux would like to know to beat the quotation, but it shouldn't be needed at first instance. Maybe towards the end?

Also, the car details (Make model) was asked which is totally fine but at the end I was asked the Reg number of the car which found the details of my car and was read back to me. I think it would be good to ask this at the beginning (just to save both caller and call taker some time) and to have to accurate details from the DB.

As I said, no hard feelings and I am not venting. I just thought to leave a feedback as I have always been on forums during my driving life (CIVIV, MR2, FTO, BMW) and saw Adrian Flux around.

By the way the quotation i was given was £6xx more than known insurer from the market comparing sites :-) I am 32 with 9 years NCB. So I have not gone with Adrian Flux this time (my first time). I have another car and my NCB are on them so I would be cancelling the insurance on that first before insuring my new car and using my NCB on that.

Shaoxter

4,048 posts

123 months

Friday 17th October 2014
quotequote all
pistontail said:
I just called Adrian Flux (used call me function).

Just wanted to give some feedback. No hard feelings btw.

First of all, I think if there is no online quote system, the call taker (customer services) should make the caller feel a bit more welcomed. I felt like i was being questioned and not a warm conversation. I understand the system Adrian Flux Call takers are using would be similar to the one we use to enter details online and also the questions, but the call taker should at least make it a bit less reading straight off computer in a reading manner. Because of that, some of the questions were asked again that were answered before.

Also, the call taker asks if you are a member of any forum or a car club but don't ask which one. How does the 15% work then?

Also, first thing was asked when I called was (after if i would like a new quote and for which car) was what is the cheapest quote I have found and from who. It makes sense but when I said I would rather not, i was told it's needed to give me competitive quote. I understand that Adrian Flux would like to know to beat the quotation, but it shouldn't be needed at first instance. Maybe towards the end?

Also, the car details (Make model) was asked which is totally fine but at the end I was asked the Reg number of the car which found the details of my car and was read back to me. I think it would be good to ask this at the beginning (just to save both caller and call taker some time) and to have to accurate details from the DB.

As I said, no hard feelings and I am not venting. I just thought to leave a feedback as I have always been on forums during my driving life (CIVIV, MR2, FTO, BMW) and saw Adrian Flux around.

By the way the quotation i was given was £6xx more than known insurer from the market comparing sites :-) I am 32 with 9 years NCB. So I have not gone with Adrian Flux this time (my first time). I have another car and my NCB are on them so I would be cancelling the insurance on that first before insuring my new car and using my NCB on that.
Was it on a BMW? Flux quotes for BMWs are pretty ridiculous, but they're not the only ones. Some insurers don't even touch them.

pistontail

39 posts

113 months

Friday 17th October 2014
quotequote all
Shaoxter said:
Was it on a BMW? Flux quotes for BMWs are pretty ridiculous, but they're not the only ones. Some insurers don't even touch them.
Yup BMW 335i M Sport 2007

I have had my other E46 for the past 4 years and insuring it is/was never a problem nor the 335i as I have checked quotations around and it's 600+ cheaper than AF.

JordanAtFlux

1,138 posts

167 months

Monday 20th October 2014
quotequote all
pistontail said:
I just called Adrian Flux (used call me function).

Just wanted to give some feedback. No hard feelings btw.

First of all, I think if there is no online quote system, the call taker (customer services) should make the caller feel a bit more welcomed. I felt like i was being questioned and not a warm conversation. I understand the system Adrian Flux Call takers are using would be similar to the one we use to enter details online and also the questions, but the call taker should at least make it a bit less reading straight off computer in a reading manner. Because of that, some of the questions were asked again that were answered before.

Also, the call taker asks if you are a member of any forum or a car club but don't ask which one. How does the 15% work then?

Also, first thing was asked when I called was (after if i would like a new quote and for which car) was what is the cheapest quote I have found and from who. It makes sense but when I said I would rather not, i was told it's needed to give me competitive quote. I understand that Adrian Flux would like to know to beat the quotation, but it shouldn't be needed at first instance. Maybe towards the end?

Also, the car details (Make model) was asked which is totally fine but at the end I was asked the Reg number of the car which found the details of my car and was read back to me. I think it would be good to ask this at the beginning (just to save both caller and call taker some time) and to have to accurate details from the DB.

As I said, no hard feelings and I am not venting. I just thought to leave a feedback as I have always been on forums during my driving life (CIVIV, MR2, FTO, BMW) and saw Adrian Flux around.

By the way the quotation i was given was £6xx more than known insurer from the market comparing sites :-) I am 32 with 9 years NCB. So I have not gone with Adrian Flux this time (my first time). I have another car and my NCB are on them so I would be cancelling the insurance on that first before insuring my new car and using my NCB on that.
Hi,

Thanks for the feedback, it is always appreciated & comments taken on board and passed to the relevant staff.

We do have a strict FCA regulation in place and data capture procedures which all staff have in depth training on. With regard to asking a target price, I can see you appreciate that we do ask this as we are a broker, so if we can approach an underwriter & explain that our client has had X amount, they will often improve on it whereas if we quote blind, it is just the calculated rate (Which I can also appreciate will sometimes be more competitive anyway!)

By all means if you can DM me your details I can trace the call and have a listen to it & will pass feedback to the relevant department? And also happy to take another look at your quote as I'm surprised we were so far out.

Again many thanks for the feedback!

Kind regards,

Jordan

pistontail

39 posts

113 months

Monday 20th October 2014
quotequote all
Hi Jordan, thanks for the reply back.

I will DM you.

Paraicj

502 posts

140 months

Tuesday 28th October 2014
quotequote all
Just putting in a good word for Adrian Flux, I gave them a call because of the PH connection. They've set me up with a very good price on insurance using my Irish NCB on moving back to the UK, lower than online quotes. The telephone manner of the person I dealt with was above and beyond business-like, she was friendly and extremely helpful. Overall the easiest quote and cover set-up that I've had.

Paraic

JordanAtFlux

1,138 posts

167 months

Tuesday 28th October 2014
quotequote all
Paraicj said:
Just putting in a good word for Adrian Flux, I gave them a call because of the PH connection. They've set me up with a very good price on insurance using my Irish NCB on moving back to the UK, lower than online quotes. The telephone manner of the person I dealt with was above and beyond business-like, she was friendly and extremely helpful. Overall the easiest quote and cover set-up that I've had.

Paraic
Hi Paraic

Thanks for the feedback, it's always appreciated.

Kind regards,

Jordan

Shaoxter

4,048 posts

123 months

Wednesday 5th November 2014
quotequote all
Do Flux offer decent multi car discounts?

croyde

22,701 posts

229 months

Wednesday 5th November 2014
quotequote all
I know this thread was started in 2009 so is the 15% off still active?

Shame as I insured my Mercury with them in the summer and it was pricey and only as a second car, yet they were the only company of the many that I called that were happy to quote on a big ugly Ford Sedan that no one in their right mind would nick and is not worth a lot.

Much more expensive to insure on TPFT then my Beemer which is insured elsewhere for a lot less on fully comp.

JordanAtFlux

1,138 posts

167 months

Thursday 6th November 2014
quotequote all
croyde said:
I know this thread was started in 2009 so is the 15% off still active?

Shame as I insured my Mercury with them in the summer and it was pricey and only as a second car, yet they were the only company of the many that I called that were happy to quote on a big ugly Ford Sedan that no one in their right mind would nick and is not worth a lot.

Much more expensive to insure on TPFT then my Beemer which is insured elsewhere for a lot less on fully comp.
Hi,

The discount is still on offer! If you like you can DM me your policy number and I will make sure you have the discount on the policy.

Regards,
Jordan

altoplanohombre

254 posts

144 months

Sunday 9th November 2014
quotequote all
Shaoxter said:
Do Flux offer decent multi car discounts?
I already have a monaro insured with Adrian Flux but I was never offered 15% discount on that deal and when I added a fiesta, 15% discount again not mentioned....... and no comment about multi car discount.......

croyde

22,701 posts

229 months

Wednesday 12th November 2014
quotequote all
Hello Jordan, did you get my policy numbers? and have you had a chance to check?

Cheers.

JordanAtFlux

1,138 posts

167 months

Thursday 13th November 2014
quotequote all
croyde said:
Hello Jordan, did you get my policy numbers? and have you had a chance to check?

Cheers.
Hi Croyde,

I replied to your email on the 6th November to the email address requested on the DM. - If you can DM me your email address I shall forward it on and make sure I have the correct email for you.

Kind regards,
Jordan

croyde

22,701 posts

229 months

Thursday 13th November 2014
quotequote all
DM sent. Thanks mate.

JordanAtFlux

1,138 posts

167 months

Friday 14th November 2014
quotequote all
croyde said:
DM sent. Thanks mate.
Hi,

I have replied, hopefully it has come through this time! smile

Kind regards,
Jordan

Slow

6,973 posts

136 months

Wednesday 10th December 2014
quotequote all
Will flux do a classic limited mileage policy for under 21s?

I know they wont do named drivers under 25 on their policys.

If so can you get in contact with me? Thanks

R2T2

4,076 posts

121 months

Wednesday 10th December 2014
quotequote all
It's ironic that when I got a quote without being a member of any forums, when I was the price didn't move?

JordanAtFlux

1,138 posts

167 months

Thursday 11th December 2014
quotequote all
Slow said:
Will flux do a classic limited mileage policy for under 21s?

I know they wont do named drivers under 25 on their policys.

If so can you get in contact with me? Thanks
Hi,

We offer a classic style policy as well as limited mileage discounts.

If you DM your details across I can arrange a call back from our quotes team.

Jordan


R2T2 said:
It's ironic that when I got a quote without being a member of any forums, when I was the price didn't move?
Hi,

Sounds odd. Was it a private car policy? Not all of our Commercial policies allow a club discount but the cars should. If you DM me your details I can look into this.

Jordan