Insurance Whinge Of The Week (Conning Bastards)

[chipstick 382 1 Cars]

Ring them back and tell them the Volvo is going to be lowered before you change the policy over.

 

It's common to find that a standard car on their modified policies is more expensive, and the more you declare modification wise, the cheaper it becomes.

 

I was with them for a few years as they were generally good for modified cars, for a young driver with points.

 

Now, I prefer to pay a few quid more and get cover through companies that are more competent over all in the event of a claim and what not. I actually renew with flux last year on one of my vehicles as a last minute panic when I got back from holiday and had a day left to renew as found other quotes more expensive. The following weekend when i had time to sit and trawl insurers, I found admiral offered the same cover with modifications for about £20 more, yet excesses were less and mileage allowance was more as standard. I cancelled under the cooling off period and chose to pay the £60 odd cancellation fee in order to change to a more competent policy. I had heard so many bad stories about flux and their service in the event of a claim, so when paying a large amount for a piece of A4, what's the extra few quid for actual decent cover in the event of needing to actually use it.

[GLPoomobile 958]

I was with Flux when I had my claim on the Saab in Nov 2010. Although the overall experience was less painful than it is for many (as no other drivers were involved), I still found I had to do most of the donkey work myself. I was dealing directly with the underwriter for 95% of the time.

[zebedy101 0]

I find flux really good, been with them for a couple years now. This renewal I had a few changes to my policy, main one being that I've now got 6 points on my license. I'm 22 and drive a 200SX with all the usual performance mods done to it, a claim and 6 points. My renewal price was £775 which I think is bloody good considering my age and driving history.

[GLPoomobile 958]

And that perfectly illustrates how utterly retarded and unfair insurance can be.

 

Comparing us, the only significant thing that I can see of being any substantial difference is location.

 

But to put that in to perspective I was quoted about £700 by flux the other week for a Saab 9-3 with about 270bhp, I'm 33, had my license for 13/14 years, full NCB, license is clean, had one claim for £1700 in late 2010, and the policy was limited to 3000 miles with the car being kept overnight in a secure underground carpark. and then there's my standard Volvo at £630 limited to 5000 miles per year. That you are paying only £150 more for a 200sx at your age with 6 points is just crazy!

Edited March 12, 2012 by GLPoomobile

[chipstick 382 1 Cars]

Yeah, is rediculous.

 

I was quoted £176 FC at 25 for my 205 GTi6 with agreed valuation and engine, brakes etc declared. Was a limited mileage policy at 2000 miles, but still great value for someone with 6 points (3 recently expired but still within the 5 year period of notification).

 

I couldn't wait until my 25th so paid a few hundred more elsewhere to have it started a few months eariler. And guess what, I did minimal mileage in the few months I wasn't prepared to wait

 

Still thought it was cheap at the £400 odd so just paid it and was able to get the use out the thing.

[johnnyboy666 195 1 Cars]

I was with Flux when I had my claim on the Saab in Nov 2010. Although the overall experience was less painful than it is for many (as no other drivers were involved), I still found I had to do most of the donkey work myself. I was dealing directly with the underwriter for 95% of the time.

 

I had the same experience with flux, as soon as there is a claim mentioned they pretty much refuse to speak to you whatsoever.

 

And my claim from november 2009 has still not been settled (as to whether thats their responsibility i have no idea)

[EnglishRob 0]

Good to know I'm not alone in being shafted by insurance companies. I'm really pissed off with my insurance company... I separated from my wife back in December just after taking out a new policy. Moved house, e-mailed the insurance company all the documents they required (kept my wife on the policy as a second driver so she can use my car while she gets hers done on the MOT). For about a month I kept getting reminders to send the documents in (despite e-mailing them) and they kept sending the stuff to my old address. This evening I picked up some post from my wife and found a letter from the insurance company. Supposidly they hadn't got a payment and had cancelled my policy. Didn't have any e-mails or phone calls to pre-warn me, just this letter to the wrong address. I'm going to call the finance company tomorrow as they're after £100 off me, what I find interesting is that I haven't missed any payments (both my bank accounts have been well in credit).

 

I called up, got shoved around different people for 15 mins and was then told I would have to take out a new policy. So I did, with a different insurance company. B******s the lot of them!

 

On a positive note I did save a little bit on what I was previously paying, but had to fork out another £140 to start a new policy which has screwed me up for the month.

 

Rob