No named drivers under 25 from adrian flux
Discussion
ZOLLAR said:
The Moose said:
Whats that all about?
Rather surprised to say the least!
Are you sure it's not from the insurer rather than Adrian flux?.Rather surprised to say the least!
That's what matey said.
The Moose said:
ZOLLAR said:
The Moose said:
Whats that all about?
Rather surprised to say the least!
Are you sure it's not from the insurer rather than Adrian flux?.Rather surprised to say the least!
That's what matey said.
This is a general rule we have, like the post above said to prevent insuring fronted risks. It's not set in stone though. for example say you're 28 and your wife is 24 we could add her on no problem. If you are wanting to add yourself onto a parents policy then its classed as fronted and we will not do it. We would judge each risk as it comes.
Ash
Ash
Ash From Flux said:
This is a general rule we have, like the post above said to prevent insuring fronted risks. It's not set in stone though. for example say you're 28 and your wife is 24 we could add her on no problem. If you are wanting to add yourself onto a parents policy then its classed as fronted and we will not do it. We would judge each risk as it comes.
Ash
Do you mind if I send you a PM?Ash
Ash From Flux said:
This is a general rule we have, like the post above said to prevent insuring fronted risks. It's not set in stone though. for example say you're 28 and your wife is 24 we could add her on no problem. If you are wanting to add yourself onto a parents policy then its classed as fronted and we will not do it. We would judge each risk as it comes.
Ash
Do you mind if I send you a PM?Ash
Ash From Flux said:
This is a general rule we have, like the post above said to prevent insuring fronted risks. It's not set in stone though. for example say you're 28 and your wife is 24 we could add her on no problem. If you are wanting to add yourself onto a parents policy then its classed as fronted and we will not do it. We would judge each risk as it comes.
Ash
I don't doubt that fronting does go on and it is not something that I would ever support. Ash
I have been insured on my parents cars firstly when I was learning to drive and more recently when they felt that they needed the comfort of having someone else insured to drive their cars (when I had three cars of my own). Neither time was fronting and if we had sought a quote from any broker who assumed that a child driving their parents car was "fronting" you would lose our business permanently.
You are not judging each risk as it comes, you are assuming that everyone is committing insurance fraud. I wonder how much legitimate business this is costing you?
I have to admit, being one of those f
king young'ins I am well aware of insurance restrictions and additions - most insurers these days won't add on the "drive other cars" extension for anybody under 25 - while I can understand the fronting viewpoint, it makes it really fking annoying when I want to borrow my old man's (estate) car when I'm moving something large. Also, my insurance excess is £250 (voluntary) plus £500 young drivers surcharge! Not to mention my company gets raped on company car insurance through another young driver surcharge.
Makes you think if it's really worth it sometimes - luckily I've got a sensible insurer and my premium itself is very reasonable for my cars.
king young'ins I am well aware of insurance restrictions and additions - most insurers these days won't add on the "drive other cars" extension for anybody under 25 - while I can understand the fronting viewpoint, it makes it really fking annoying when I want to borrow my old man's (estate) car when I'm moving something large. Also, my insurance excess is £250 (voluntary) plus £500 young drivers surcharge! Not to mention my company gets raped on company car insurance through another young driver surcharge.Makes you think if it's really worth it sometimes - luckily I've got a sensible insurer and my premium itself is very reasonable for my cars.
James P said:
Ash From Flux said:
This is a general rule we have, like the post above said to prevent insuring fronted risks. It's not set in stone though. for example say you're 28 and your wife is 24 we could add her on no problem. If you are wanting to add yourself onto a parents policy then its classed as fronted and we will not do it. We would judge each risk as it comes.
Ash
I don't doubt that fronting does go on and it is not something that I would ever support. Ash
I have been insured on my parents cars firstly when I was learning to drive and more recently when they felt that they needed the comfort of having someone else insured to drive their cars (when I had three cars of my own). Neither time was fronting and if we had sought a quote from any broker who assumed that a child driving their parents car was "fronting" you would lose our business permanently.
You are not judging each risk as it comes, you are assuming that everyone is committing insurance fraud. I wonder how much legitimate business this is costing you?
I've said as much on the Flux thread, but I've found them utterly useless in the past.
Could not get remotely close on various quotations I've run with them and generally their staff aren't particularly clued up on cars for what is supposed to be a specialist.
The notion that all under 25's are fronting is ludicrous. I drove as a named driver for a number of years whilst at uni, the car stayed at home so I only drove on the odd weekend and holidays, a legitimate application of the named driver feature imo.
Even now, as a sensible accountant with his own car (albeit still under 25), I am a named driver on my dads car so I can share driving on long trips. A stance like this from any company would have me choosing to insure elsewhere if at all reasonably possible.
However, as mentioned above, very poor experiences in the past mean that I don't intend to bother in the future.
Could not get remotely close on various quotations I've run with them and generally their staff aren't particularly clued up on cars for what is supposed to be a specialist.
The notion that all under 25's are fronting is ludicrous. I drove as a named driver for a number of years whilst at uni, the car stayed at home so I only drove on the odd weekend and holidays, a legitimate application of the named driver feature imo.
Even now, as a sensible accountant with his own car (albeit still under 25), I am a named driver on my dads car so I can share driving on long trips. A stance like this from any company would have me choosing to insure elsewhere if at all reasonably possible.
However, as mentioned above, very poor experiences in the past mean that I don't intend to bother in the future.
My dads mini is with adrian flux tryed to add me with flux as a named driver (19) He would be driving it almost most of the time but it would be handy for me to drive it from time to time. Anyway phone them up and they said I must be the policy holder. But I would drive it at most 100 miles a year and him the rest about 2000-3000miles. So if we did what fluxs wanted us to do would that not be fronting?
insurers are runts!
insurers are runts!
Sam the Mut said:
My dads mini is with adrian flux tryed to add me with flux as a named driver (19) He would be driving it almost most of the time but it would be handy for me to drive it from time to time. Anyway phone them up and they said I must be the policy holder. But I would drive it at most 100 miles a year and him the rest about 2000-3000miles. So if we did what fluxs wanted us to do would that not be fronting?
insurers are runts!
Nope, the only logical explanation is that you and your father are liars insurers are runts!
H_Kan said:
I've said as much on the Flux thread, but I've found them utterly useless in the past.
Could not get remotely close on various quotations I've run with them and generally their staff aren't particularly clued up on cars for what is supposed to be a specialist.
I don't intend to bother in the future.
Could not get remotely close on various quotations I've run with them and generally their staff aren't particularly clued up on cars for what is supposed to be a specialist.
I don't intend to bother in the future.
They are pathetic.
And I'm not a daft young 'un.
34 with 16 yrs ncb. The quotes I've had on things from them in the past have been laughable.
About 10 years ago I think I may have been insured with them once but ever since they've just been miles out!
They simply don't even register in my thoughts these days when I think of insurance.
James P said:
You are not judging each risk as it comes, you are assuming that everyone is committing insurance fraud. I wonder how much legitimate business this is costing you?
They don't care as they'll more than make up for the loss of business with their exhorbitant charges when you cancel insurance early. That's both admin fees and small payback for unused insurance.I had to cancel my Defender 50th insurance just 3 monthw in and was stunned by the refund. I was able to buy a pint of milk and a loaf of bread though.
AFAIK Adrian Flux are brokers not an insurance company.
They are also in the business to make money.
I found them to cheaper than everyone else for one of my cars, and then cheaper still when I mentioned Pistonheads and received a big discount.
The fact that they don’t insure under 25s as named drives is just how their business model works.
They must have found that the cost/profit analysis has under 25s having more payouts than they make in income.
Sure, they might lose some business, but they also avoid payout costs – and I presume that they know what they are doing as they haven't gone bankrupt yet.
They haven't accused anyone of fronting – they just said that they find it happens.
And, reading between the lines, they just made a blanket decision to avoid the chance of it happening.
They are also in the business to make money.
I found them to cheaper than everyone else for one of my cars, and then cheaper still when I mentioned Pistonheads and received a big discount.
The fact that they don’t insure under 25s as named drives is just how their business model works.
They must have found that the cost/profit analysis has under 25s having more payouts than they make in income.
Sure, they might lose some business, but they also avoid payout costs – and I presume that they know what they are doing as they haven't gone bankrupt yet.
They haven't accused anyone of fronting – they just said that they find it happens.
And, reading between the lines, they just made a blanket decision to avoid the chance of it happening.
- shrug* - sure, if I was under 25 I'd find it annoying.
H_Kan said:
I've said as much on the Flux thread, but I've found them utterly useless in the past.
Agree, never really had a competitive quote from Flux. Another one called Sky insurance gave me a st price so I badmouthed them on another forum because they told me "we will beat any quote!!" but couldn't actually do it. They saw my comment and phoned me up to offer me a cheaper price, I politely declined.I give insurers one chance to give me a reasonable quote, if they try to f
k me over I don't use them again.Gassing Station | General Gassing | Top of Page | What's New | My Stuff