Adrian Flux - Avoid!
Discussion
Hi I am having a nightmare with Adrian flux. I was given a van, I insured it with said company under the campervan policy, it needed a new mot so took it for the mot and it failed badly, son I stuck it up for sale on gumtree around 10 July 2018, young lad come and bought it on 14 july , the log book was singed by previous owner for me to send off in my name but due to all the work it needed I sold it and sent the log book off with new keepers details on, I get a phone call from a Adrian flux on 22nd August saying because I cancelled policy early I owed a outstanding balance of 174.06 and because my new car was insured by them was told if I didn't pay it they would cancel my car insurance, so I paid by visa over the phone to them. Well in January this year I get a email saying I owe 249.99 (ish). For a accident on 9 August 2018 say. I don't even own the van at the time and i have tried contacting dvla for proof I had sold it but because it was not in my name they can't give me the info for the insurance company.
I am so worried and don't know what to do.
HELP!!!!
I am so worried and don't know what to do.
HELP!!!!
Again for balance, used A-Plan for my R33 skyline they were great, then when I switched to the Celica GT4 they didnt want to know and were really unhelpful. Chris Knott insured the Celica but then their price was poor even when reduced for renewal and I switched to AF, used them for a year no problems at all price is excellent and their service in terms of all the mods spot on.
Like anything, people will have bad and good experiences, the idea that everyone must avoid AF because another company will be just brilliant all the time is something of a fallacy! And with anything you sign, always read what you are signing up to so there are no nasty surprises lurking.
Like anything, people will have bad and good experiences, the idea that everyone must avoid AF because another company will be just brilliant all the time is something of a fallacy! And with anything you sign, always read what you are signing up to so there are no nasty surprises lurking.
I have had mixed experiences with AF. Before I had my MX5 I had a Fiesta. AF were one of the companies I got a quote from for it. For a 1.25 (they classed as 1.3 fair enough) the best they could quote was £3700. I was 26 with 7 years NCD at the time. That car ended up being insured with direct line for £600. When I got the MX5 I knew AF were a sports/modded car friendly company so I thought I would give them another chance. The first year I had the car they wernt too far off the best price but I went somewhere else anyway. The last 2 years though they have been by far the cheapest coming in at over £100 cheaper than the next best. A lot of the time price isnt everything and they do have a bad reputation for their customer service but I have recently bought a house so I just went with whatever was cheapest.
They are abysmal, just gave them a try on a policy ‘chassis number’ import and was told i’d be covered to drive from italy to uk, when i asked them to confirm on the quote when they send through they got all sheepish and put the phone down 
I had dealings with them years ago and they were just as bad then, seems they havent learnt any better manners or professionalism.
I had dealings with them years ago and they were just as bad then, seems they havent learnt any better manners or professionalism.
Yipper said:
For the past ~20 years, people have been complaining constantly about how bad they are. But people continue to use them and they continue to thrive. Very bizarre.
My very first phone call with them as an 18 year old in 2001 told me all I needed to know about them. Amazed they're still around.
I insured a modified Ranger with them for a few years and they were very good.
Then one day, they just lost the plot.
A fairly simple issue took 45 minutes being bounced from dept to dept and by the time I got to the last chap I didn't have any faith in anything he was saying.
I left and went to Gladiator who have been, and continue to be excellent.
Then one day, they just lost the plot.
A fairly simple issue took 45 minutes being bounced from dept to dept and by the time I got to the last chap I didn't have any faith in anything he was saying.
I left and went to Gladiator who have been, and continue to be excellent.
I must be one of the few who have had a decent experience then. I’ve had cars insured with them for the past 6 or 7 years. Some standard, some modified. Currently I have my Audi (standard) and my wife’s Golf (lots of performance mods) with them. Always match the cheapest price I can find elsewhere, but you do have to do the renewal dance.
I’ve used the breakdown service a few times and had a claim where I was hit by a foreign 3rd party who handed over very dubious details. They sorted it all and was non fault. Breakdown cover has been great but appreciate this may depend on the local contractor.
I also like the flex drive which gives you fully comp (up to 25k) on drive other cars. As I borrow family members cars from time to time the £25 seems well worth the peace of mind.
I’ve used the breakdown service a few times and had a claim where I was hit by a foreign 3rd party who handed over very dubious details. They sorted it all and was non fault. Breakdown cover has been great but appreciate this may depend on the local contractor.
I also like the flex drive which gives you fully comp (up to 25k) on drive other cars. As I borrow family members cars from time to time the £25 seems well worth the peace of mind.
ShampooEfficient said:
It's only today I've learned that they canned the Flux Babes some time ago... Now I feel old.
Well somebody had to check into this... 
https://www.flickriver.com/photos/fluxposure/popul...
Bump - I remember this thread but went with them anyway as their quote was reasonable at the time.
I am about to make a claim through Flux now as a dozy <insert> drove pulled out of a side road into the side of my MX-5 . So far so good. I didn't have to wait long for claims to take details and nominate a chosen repair garage.
I am about to make a claim through Flux now as a dozy <insert> drove pulled out of a side road into the side of my MX-5 . So far so good. I didn't have to wait long for claims to take details and nominate a chosen repair garage.
Pflanzgarten said:
Renewed my policy in September, sold the car in November. Was expecting the usual paltry refund but was surprised to learn I'd signed up to a none refundable policy.
Read the small print.
Worth writing a letter to explain you feel it shouldn't have been in the small print? And you wouldn't have taken out the policy if you'd known.Read the small print.
I'd have thought if they were going to do that it should very, very, clear what you were signing up for.
Do an official complaint, giving them 14 days to respond, and you expect a partial refund.
Tell them in the complaint you'll take further advice from ombudsman if you don't receive a reply/satisfactory out come.
Pflanzgarten said:
Renewed my policy in September, sold the car in November. Was expecting the usual paltry refund but was surprised to learn I'd signed up to a none refundable policy.
Read the small print.
To be fair, I had the same with Greenlight (when I put the car into storage during lockdown) - it was in the terms and conditions but I either didn't check at the time. I didn't mind though as a heavily modified (x2 power) car the premium was quite reasonable.Read the small print.
Trevor555 said:
Pflanzgarten said:
Renewed my policy in September, sold the car in November. Was expecting the usual paltry refund but was surprised to learn I'd signed up to a none refundable policy.
Read the small print.
Worth writing a letter to explain you feel it shouldn't have been in the small print? And you wouldn't have taken out the policy if you'd known.Read the small print.
I'd have thought if they were going to do that it should very, very, clear what you were signing up for.
Do an official complaint, giving them 14 days to respond, and you expect a partial refund.
Tell them in the complaint you'll take further advice from ombudsman if you don't receive a reply/satisfactory out come.
Adrian Flux said:
Customer Ref No: XXXXXXX
Date: 29/12/2022
Dear Mr Pflanzgarten
Thank you for contacting us.
We appreciate your comments, however we must advise that that it was advised in the terms within the renewal invitation issued, that no refund would be due upon cancellation.
It is also advised under endorsement CCL shown on the policy schedule.
As a gesture of goodwill we would like to offer to refund the £15.00 policy issue fee charged at renewal.
Please confirm if you would like us to do this in order to resolve your complaint.
Date: 29/12/2022
Dear Mr Pflanzgarten
Thank you for contacting us.
We appreciate your comments, however we must advise that that it was advised in the terms within the renewal invitation issued, that no refund would be due upon cancellation.
It is also advised under endorsement CCL shown on the policy schedule.
As a gesture of goodwill we would like to offer to refund the £15.00 policy issue fee charged at renewal.
Please confirm if you would like us to do this in order to resolve your complaint.
They’re not that bad. I insured a restoration project with them with a value of £5k that I paid £3.5k for. It was written of pretty much the day the restoration was finished by which time it was worth about £25k. The policy said ‘market value’ which is what I got. I then bought it back for £4.5k and sold it. They even gave me a bit of personal injury for a stiff neck.
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