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

[Ash From Flux]

jonnydm said:

A nice easy one to start the week. Male, 23, average London postcode, 5 years NCB, 8k pa, E39 M5 parked on the street... Rough quote?

Hello
Please pm me the info below and I can have a look,
Ash

• *************

YOUR DETAILS
Name:
Post Code:
House Number:
DOB:
Best Quote/Excess:
Marital Status:
Time living in UK:
Occupation:
Social use, Commuting or Business use?:
When did you pass your test?:
Convictions or point within 5 years:
Claims or Accidents in 5 years:
Disabilities:

• *************

VEHICLE
Reg:
Make:
Model:
CC:
Year:
Fuel:
Value:
Date Purchased:
Annual Mileage:
Overnight Parking:
Alarm, Immobiliser, tracker?:
Mods:
Rough BHP (if modded):
Do you own/drive another car?:
Have you owned any high performance cars/ what were they:

• *************

COVER
Comp or TPFT:
NCB:
Protected?:

[Ash From Flux]

Rossmini said:

I would think it will be December hopefully if i pass my test. My mini has a 1275cc engine it was changed from a 1000cc some years ago. I am interested in the box as i hope it will reduce the insurance premium. I have spent a lot of money on the car and like the classic look and belong to my local mini club. its a good car to start driving . A modern day astra 1.0 has more power than my mini but does not look half as good as my mini.

I agree, I love the classic minis. Perfect to have as a first car. Cheap and easy to maintain and run. Endless possibilities to mod. I bet you are looking forward to getting it on the road. Have you got any pics?

[Lordbenny]

Just gone back to Adrian Flux from Frank Pickles....

2.0 Zetec Westfield

0-60 - 4 seconds



Fully Comprehensive, 3000 ltd mileage.................£115

[Ash From Flux]

Lordbenny said:

Just gone back to Adrian Flux from Frank Pickles....

2.0 Zetec Westfield

0-60 - 4 seconds



Fully Comprehensive, 3000 ltd mileage.................£115

Sounds good! Shame the weather is rubbish

[Xpander]

Ash, you lot sent me my renewal a couple of days ago for my Japanese import Legacy GTB, the figure for the year being £1044. Clearly this is utterly ridiculous (almost 30 years old, good post code, clean licence, coming up to ten yers NCB), so I called today to cancel as I've found several options via Compare The Market coming in under the £600 mark (and I haven't even tried the specialists yet).

The lady I spoke to to at Flux asked why I was cancelling, and I told her quite simply that it was a daft renewal figure. Lo and behold, ten minutes later after "seeing what she can do for me" she says she can match the best price off CTM of £520.

Obviously I asked the question of why the hell you could suddenly match this figure and I was fed the crock of ste "Oh, well this is a different company this time round [Equity Red Star as opposed to Groupama] and this particular scheme has only been rolled out in the last couple of days, after we sent you your renewal". The woman was clearly clutching at straws and was stuttering like a good 'un 'cos she knew she was talking nonsense.



So my question is this - isn't it your job to find me the cheapest quote possible from your large list of insurers? And you're meant to do this without me having to press you into it?

I've yet to check with specialist insurers, but you can pretty much guarantee you've lost my custom this year just on the principal of the matter. I'll give my ~£500 to someone who doesn't bullst me and try to take me for twice the amount they should be doing.


I'll be interested to hear what you have to say.

[JonnyFive]

Xpander said:

So my question is this - isn't it your job to find me the cheapest quote possible from your large list of insurers? And you're meant to do this without me having to press you into it?

I think it's well known an insurer will put the renewal up, because they know it auto-renews and people cba to look around for quotes.

It's making money, I guess thats the only reason they're in this business.

[ZOLLAR]

JonnyFive said:

Xpander said:

So my question is this - isn't it your job to find me the cheapest quote possible from your large list of insurers? And you're meant to do this without me having to press you into it?

I think it's well known an insurer will put the renewal up, because they know it auto-renews and people cba to look around for quotes.

It's making money, I guess thats the only reason they're in this business.

I don't work for a broker but I'm fairly sure the broker has to offer the original insurers premium first and then only search for lower quotes if the customer declines it (I could be wrong though).

Remember the broker works for the insurer as well as you.

[Xpander]

JonnyFive said:

I think it's well known an insurer will put the renewal up, because they know it auto-renews and people cba to look around for quotes.

It's making money, I guess thats the only reason they're in this business.

To be honest I know this is how it works, it has just pissed me right off.

I know a lot of people probably can't be arsed to look for new quotes, but when it can be done online in 5 minutes by those that can be bothered, they're risking losing a lot of custom from people who, like me, will move out of principle. I guess the loss from people doing this is outweighed by those who auto-renew and pay far more than they would somewhere else.

[Xpander]

ZOLLAR said:

I don't work for a broker but I'm fairly sure the broker has to offer the original insurers premium first and then only search for lower quotes if the customer declines it (I could be wrong though).

Remember the broker works for the insurer as well as you.

Well if that's that case, it's all even more ridiculous than I thought. I assumed a broker would check thier whole list of insurers to find the customer the best deal. Maybe I'm wrong.

[ZOLLAR]

Xpander said:

ZOLLAR said:

I don't work for a broker but I'm fairly sure the broker has to offer the original insurers premium first and then only search for lower quotes if the customer declines it (I could be wrong though).

Remember the broker works for the insurer as well as you.

Well if that's that case, it's all even more ridiculous than I thought. I assumed a broker would check thier whole list of insurers to find the customer the best deal. Maybe I'm wrong.

Depends on what contract they have with the insurer, as said they don't just work for the policyholder.
But at least you know in future to decline so that they can look for a lower premium for you.

[Xpander]

ZOLLAR said:

Depends on what contract they have with the insurer, as said they don't just work for the policyholder.
But at least you know in future to decline so that they can look for a lower premium for you.

I can understand it (to an extent) if it's an independent insurer that I'm dealing with, but for a broker to be able to get me a massively cheaper deal from their own list of insurers and for them not to offer me it was genuinely a surprise to me. I just assumed that would be how it worked, but it seems not.

[Ash From Flux]

Hello,

Thanks for the enquiry and I’m sorry to hear that we’ve left you feeling disappointed.

I’ve had a look at your file and here’s how it genuinely went – I’ll be mindful not to reveal anything detailed in an open forum.

We did actually send you the best price we had available to us at the time.

The clerk you spoke to, once you’d found a better deal elsewhere was correct in advising you that we have recently secured a new facility with one of our specialist insurers. This scheme allows us, subject to a number of criteria to match a price that a valued customer has had from an alternative source. Proof of the alternative rate is required – which you duly supplied.

Happily your details met all of the required criteria and we were satisfied with the evidence of the alternative rate you supplied and so were able to offer you a significantly better deal. However, because your alternative price was so low, we were only compete with this price by effectively giving away (discounting) a large proportion of the commission we earn from the policy because we were so keen to retain your custom.

The lady you spoke to may not have sounded the most self assured because she has only recently moved to the renewals section and is still finding her feet and is currently working under supervision.

We are always trying to improve the deals we have to offer but unfortunately can’t be the best all of the time. The market is incredibly competitive at the moment and this is another tool we now have at our disposal to help keep our offerings sharp and we’ll continue to develop new products to keep us at the forefront for specialist insurance.

Hopefully this answers your query and I sincerely hope you remain a customer of ours.

Thanks

Ash

[Xpander]

Hi Ash, thanks for the reply.

I actually ought to apologise, my initial post was in fact a little rude. However at the time I was rather annoyed and somewhat incredulous of the whole story; it all smacked of trying to take more of your customers' money than you had need to, only relenting when presented with a cheaper deal from elsewhere. As I said before, I would perhaps accept this from an independent but from a broker like Flux, I expected you to do the work for me - it now seems I was clearly in the wrong about this.


But from your post, you're suggesting that you did actually offer the best possible price. Or is it just the best deal available from the insurer one is currently with? If this is a new facility that you've just been able to implement over the last couple of days (still seems fishy to me...), is it true to say that from now on any renewal price that you offer will be the best deal available across the board of all of your insurers?

you said:

once you’d found a better deal elsewhere was correct in advising you that we have recently secured a new facility with one of our specialist insurers. This scheme allows us, subject to a number of criteria to match a price that a valued customer has had from an alternative source

You were only prepared to offer me a better price once I'd found a good deal elsewhere. It's disappointing that you didn't come to me with it, as the final price-matched amount is clearly acceptable to the company that has put it forward. If it were a matter of a being a few quid away from another company then fair enough, but you've just knocked over £500 off my annual figure at a stroke, and I fail to believe that there was no cheaper option between those 2 figures even before this new capability of yours. If this facility really has come into practice since yesterday dinner time when you sent me the renewal email (Monday 19th November, 12:06pm), then that really must be some coincidence indeed.


And the adviser I spoke to was nothing but polite and helpful, and I realise she was possibly in a bit of a difficult position when I quizzed her. I have no complaint with her, I know she had to toe your official company line with regards to deflecting awkward questions. If she's new then fair enough, but what she told me really didn't sound convincing at all.


Anyway, I'll leave it there 'cos I'm even boring myself now. I'll consider my options, but it's likely that I'll be going elsewhere.

Thanks for your explanation.

[CAH83]

Morning folks,

It seems the discount offer is no longer available. I called Flux yesterday and they couldn't offer any discount.
I needed to get the new car home so went ahead with the cover anyway, knowing I have 14 days to shop around and cancel if need be...
...Found another policy on that Meerkat site last night about 25% cheaper, called Flux this morning and they can't match it. If I cancel they are going to keep their £30 finders fee (fair enough methinks) but they're gonna charge me £40 for the time I have been covered (about 18 hours ffs!! The policy is only £360 for the year!).
I guess I've learnt my lesson here, ALWAYS shop around and never assume you change things easily/cheaply later on!!

[Ash From Flux]

Hello
The discount for Pistonheads members is still available. I'm not sure why you didn't seem to get it on your policy. I'm sorry we could not compete with prices elsewhere. If you would like to pm me some details I can see what happened with the discount.
Thanks
Ash

[stormy22]

Hi Ash, I sent you a message

[Ash From Flux]

stormy22 said:

Hi Ash, I sent you a message

Hello
My e-mails seem to be down at the moment but I will take a look when they are up and running.
Thanks
Ash

[s_zigmond]

ZOLLAR said:

I don't work for a broker but I'm fairly sure the broker has to offer the original insurers premium first and then only search for lower quotes if the customer declines it (I could be wrong though).

Remember the broker works for the insurer as well as you.

Greenlight, always shop arround for me before offering telling me both the renewal cost and the cheapest option

[ZOLLAR]

s_zigmond said:

ZOLLAR said:

I don't work for a broker but I'm fairly sure the broker has to offer the original insurers premium first and then only search for lower quotes if the customer declines it (I could be wrong though).

Remember the broker works for the insurer as well as you.

Greenlight, always shop arround for me before offering telling me both the renewal cost and the cheapest option

It'll depend on the business agreement the broker has with the insurer, some will have this clause others won't.

[Ash From Flux]

Ash From Flux said:

stormy22 said:

Hi Ash, I sent you a message

Hello
My e-mails seem to be down at the moment but I will take a look when they are up and running.
Thanks
Ash

Hello
My emails are working fine but I don't have a message from you. A previous poster also said they had PM'd me but I didn't get it. Maybe its not working. Can you please email me directly? [e-mail]
Thanks
Ash