LandyManLuke Posted October 3, 2007 Share Posted October 3, 2007 I'm with the NFU and they're aware of the mods to the 90. no problem as far as they were concerned. Quote Link to comment Share on other sites More sharing options...
pux Posted October 3, 2007 Share Posted October 3, 2007 Got hit by a truck when insured with adrian flux and im still waiting for the claim and and my no claims bonus back after a year lets say i dont insure with them anymore Quote Link to comment Share on other sites More sharing options...
ChrisV8 Posted October 3, 2007 Share Posted October 3, 2007 Been insured with a number of vehicles over a long time with Flux, since early 80s, most of them heavily modded, 3.5 v8 in 1956 Ford Pop amongst other things. They have always been good, claims settled promptly, ask sensible questions and deal with queries well in my opinion. Wife had a huge head on on a single track road in Mull and they couldn't do enough to sort it. I have all my LR insured with them and will continue to as no one seems able to get near their prices. NFU didn't want to know as soon as you said replaced engine with Jap diesel. Quote Link to comment Share on other sites More sharing options...
white90 Posted October 3, 2007 Share Posted October 3, 2007 AF have sorted all my claims etc without issues Quote Link to comment Share on other sites More sharing options...
Guest WALFY Posted October 3, 2007 Share Posted October 3, 2007 I was with the NFU but wouldn't do an agreed value on my 90. So moved to AF. Hopefully won't have to claim Quote Link to comment Share on other sites More sharing options...
JST Posted October 3, 2007 Share Posted October 3, 2007 Mark, i dont think anyone here would agree on a price for your 90 Quote Link to comment Share on other sites More sharing options...
simonr Posted October 3, 2007 Share Posted October 3, 2007 I have recent claims experience with NFU (unsurprisingly) - and they were brilliant. Quick & couldn't be more helpful. They will continue to get my company & personal business. Si Quote Link to comment Share on other sites More sharing options...
Orange Posted October 3, 2007 Share Posted October 3, 2007 I had cause to claim on my Discovery policy with AF last november - never again! They were rude and unhelpful and didn't want to help me at all. The customer services person I spoke to after the whole saga was not overly concerned about the issues I had with them... I, too, have suffered the £25 admin fee on a couple of occasions and the cost of insuring a courtesy car due to their lack of approved repairers that will deal with a newer Land Rover (4 years old at the time) the way it should be dealt with - i.e. at an Approved Land Rover bodyshop. They only seem to have back-alley bodyshops on their approved list as the two other local ones they offered me have very bad reputations amongst people I know have used them in the past! When my policy was up for renewal, I had a funny feeling that the price would be exorbitant........I was right!! Norwich Union were £800 cheaper.......and that was with the wife on the policy and with business cover. I did ring them to ask about insuring the Range Rover.........the bloke on the end of the phone didn't even know what a Range Rover was.........let's leave it at that, shall we...!!!!??? The Disco is currently with Norwich Union (who incidentally have a Land Rover Approved repairer on their list in my area) and the Range Rover is with KGM, through Snowball, with all the mods listed on a Classic policy. Quote Link to comment Share on other sites More sharing options...
rtbarton Posted October 3, 2007 Share Posted October 3, 2007 This is very strange, they seem to go from one extreme to the other. Years ago when I had a claim on my Range Rover with Cornhill they were great, but with my Astra claim in 2005 they were rubbish. Between the two claims I had a run-in with the NatWest, I took them to the Banking Ombudsman and I often wonder whether I'm flagged as a troublemaker on a database somewhere. Perhaps those with A.F. who've had a bad experience are in a similar situation? Quote Link to comment Share on other sites More sharing options...
Guest WALFY Posted October 4, 2007 Share Posted October 4, 2007 Mark, i dont think anyone here would agree on a price for your 90 Not worth a lot in money terms but it has a lot of sentimental value. It's taken me ages to give it that "lived in look". Takes ages to get it how you want it Quote Link to comment Share on other sites More sharing options...
honitonhobbit Posted October 4, 2007 Share Posted October 4, 2007 Been with Firzzell for years, swapped from Flux as they 'Didn't insure vehicles for off road driving, including greenlanes'. Can't be doing with idiots... As a CSMA member I get 35% discount before my no claims (was 30 but has just gone up!). Unlimted mileage on the 100" and the Passat, off road cover on the 100" and 'non highway cover on the Passat, no excess, me and the missus only for both vehicles; all mods on the 100" (oh and no problems what-so-ever on the Q plate!); covered for ceratin types of competitive motorsport and marshaling on both motors (how does a Passat 1.9Tdi estate hill climb? Does the triptronic make it quicker?); my small collection of 9 points has no effect on premium. I pay 367quid... Claims have always been spot on, service is excellent. Oddly enough the late Bike was insured with Flux - never any problems. Odd that Quote Link to comment Share on other sites More sharing options...
Bomag Posted October 4, 2007 Share Posted October 4, 2007 Was with NFU but they doubled the premium so changed to one through the s2 club, this year I decided to ring round for a few quotes, tried NFU but they wont insure modded vehicles for new customers Quote Link to comment Share on other sites More sharing options...
Coastcard Posted October 4, 2007 Share Posted October 4, 2007 Must say I found AF to be easily the most helpful on my ringround and took out a policy with them this year. This is after the absolute fiasco with Sureterm where you can almost smell the hair gel down the phone. Slimey bunch of Chavs who would not communicate with me about specific T&C's of policy until it was too late to cancel and then told me I wasn't covered for what I needed (and what they knew I needed). Quote Link to comment Share on other sites More sharing options...
missingsid Posted October 4, 2007 Share Posted October 4, 2007 Bin with Adrian Flux for years. Series 1 V8 Never seen any problems with notifing them of mods or ever heard of £25 charge to do so? Other companies wanted reports and examinations more like school Only reason my Hybred's not with them is that it was easier to stay with the company who insured the previous owner as they had the history. Must admit though I've never had to claim Quote Link to comment Share on other sites More sharing options...
Kev Baldwin Posted October 4, 2007 Share Posted October 4, 2007 Insured a bog std Disco van through NFU. Mate runs the local office. Cost £440. Started the modify the Disco so decided to tell NFU abouts mods. Mate sucks through her teeth and says 'they won't like it'. List of mods has to be sent away for underwriters approval and warns me they vehicle may have to be presented for independent inspection, blah, blah... Alarm bells ring so I try Flux. Every mod declared was £150 cheaper than I was already paying with NFU for bog std Disco van. Made swapping to Flux a no-brainer. Claimed for a windscreen during time with them and it couldn't have been any simpler. Sold Disco. Bought Defender 130. Did the Insurance ring round. Didn't try Flux as vehicle isn't modified, but quickly realise so called LR specialist insurers are a complete waste of time. Apparently Land Rover have never made a 130 or a dbl-cab pick up and one even told me they didn't list a diesel engine Land Rover on their computer therefore they couldn't offer me a quote. WTF I'm now back where I started with NFU. £218 for the year and almost £100 cheaper than anywhere else. Quote Link to comment Share on other sites More sharing options...
munro Posted October 4, 2007 Share Posted October 4, 2007 Had a fairly standard 90 tdi (galv chassis, alloys, side bars) insured by Flux. Very good price, although "classic policy" so wouldn't accrue NCB. Had to send copy of girlfriend's licence to them when she was added to policy. They lost it and then threatened to cancel policy. After several faxes managed to get a copy to them. Exactly the same has happened to a mate. Then rang them up about cover for Iceland. None of their underwriters would cover my car, even though Iceland appears on the list of most insurers' green card cover. Moved to NFU (luckily policy expired a few days before the trip). Cost more but no mileage limit (did 3000 miles on Iceland trip so that was a good move). Some of the other insurers that spend a fortune in LRO etc couldn't get anywhere close to either of the above rate rise or didn't like any mods at all. Makes you wonder how many "standard" Land Rovers there are about with cages, winches, lifts etc. Doug Quote Link to comment Share on other sites More sharing options...
Buzz Posted October 6, 2007 Share Posted October 6, 2007 Been reading this with interest, as I have two policies with AF due for renewal on the 10th. There both for Discoverys and together they come in at £819! I've got a modded 90 insured with NFU, their price, service and cover are all good but they aren't competitive on disco's! So any ideas on who I should try? I'm going to start the big ring round on monday, can't wait . Buzz. Quote Link to comment Share on other sites More sharing options...
chubster Posted July 30, 2010 Share Posted July 30, 2010 BE WARNED:- I would personally give Flux insurers a miss. I paid for my sisters insurance for her last year with this company, this year she decided not to renew it, the car has been off the road since the 1st June 2010. This did not matter to Adrian Flux insurers who automatically renewed the policy without advising her, and then deducted the premiums from my account without my consent, I don't even have a policy with them. They have totally ignored emails sent to them requesting a refund of the payments they have taken illegally, and have now sent a threatening legal letter requesting payments in advance, what a cowboy outfit this is. I have passed the details on to the Office of Fair Trading, The Insurance Ombudsman and my local MEP. Quote Link to comment Share on other sites More sharing options...
bobtail4x4 Posted July 30, 2010 Share Posted July 30, 2010 If you read the small print you will find YOU have to tell them you dont want to renew, you would be bitching if they didnt renew it, and you needed it. Quote Link to comment Share on other sites More sharing options...
white90 Posted July 30, 2010 Share Posted July 30, 2010 Nothing but superb service from them for 10years faultless when claiming and canceling recently all relevant monies returned without a worry. Quote Link to comment Share on other sites More sharing options...
plasticbadger Posted July 30, 2010 Share Posted July 30, 2010 BE WARNED:- I would personally give Flux insurers a miss. I paid for my sisters insurance for her last year with this company, this year she decided not to renew it, the car has been off the road since the 1st June 2010. This did not matter to Adrian Flux insurers who automatically renewed the policy without advising her, and then deducted the premiums from my account without my consent, I don't even have a policy with them. They have totally ignored emails sent to them requesting a refund of the payments they have taken illegally, and have now sent a threatening legal letter requesting payments in advance, what a cowboy outfit this is. I have passed the details on to the Office of Fair Trading, The Insurance Ombudsman and my local MEP. This is Adrian Flux's standard system, they will have sent a letter confirming the renewal and their intent to debit the funds from the account prior to taking the money. I have been with them on several vehicles, policies and for many years and they always send the letter prior to renewal. It is possible that your sister had this letter and ignored it presuming that as she didn't want to renew then she didn't need to take any action? Obviously if you paid for the previous year then it would be your account details on her records with Flux. Quote Link to comment Share on other sites More sharing options...
Defender Posted July 30, 2010 Share Posted July 30, 2010 I'd like to be with the NFU but as someone has already said it depends on your local office if they will let you, mine unfortunately won't insure my modded Defender. Currently with AF on a guaranteed value policy they were very cheap and seemed knowledgable about Land Rovers didn't charge for a change on the policy although that may hae been a mistake at their end. The only grip I maybe have is that the guaranteed value was not as high as my previous company and when asked they said the value was based on market value for a similar vehicle. I had already sent a comprehensive list of mods and photographs to show what was fitted which can be clearly seen but theystill refused to up the value. This annoyed me because I asked to see the data it was based on and they refused saying it was dealt with by a different department that was closed the day I phoned and that the only way to increase the value was to pay for an engineers report independantly. So looks like I will be shopping around for a guaranteed value elsewhere when I get to renewal time! I have not had to claim but as I say the person I spoke to knew allot about Landys and was very helpful indeed! So mixed feelings from me at the moment. Quote Link to comment Share on other sites More sharing options...
hobson Posted July 31, 2010 Share Posted July 31, 2010 this is no doubt going to make me very unpopular, but people can avoid a lot of these problems by reading the small print. i always make sure i read the policy and any booklets etc that come with it, the paperwork, though tedious and boring will tell you exactly what it does and does not cover, if people can't be bothered to go through things properly, especially with something as crucial as insurance, then there's only one person to blame when they won't pay out. this for example: I thought Cornhill were OK until I claimed for a stolen Astra. I was paying by installments so they deducted the outstanding payments off the settlement. This left me with £32 and no car. They settled before they sent a letter asking if the settlement was OK, refused to let me have a loan car because they had settled, couldn't find recordings of conversations unless it suited them and mis-quoted me. when you take out insurance you enter into a contract with the insurer, they agree to give you cover for a year for a quoted amount, you agree to pay them that amount over that year, if they have to pay out on a claim, they've fullfilled their end of the contract, so you have to fulfill your end, ie: to pay them the full amount! which on a total loss is taken from the payout. i'm not justifying insurance companies as i've had my fair share of issues with them, and they are robbing sods, but it's not all their fault all of the time. Quote Link to comment Share on other sites More sharing options...
rtbarton Posted July 31, 2010 Share Posted July 31, 2010 when you take out insurance you enter into a contract with the insurer, they agree to give you cover for a year for a quoted amount, you agree to pay them that amount over that year, if they have to pay out on a claim, they've fullfilled their end of the contract, so you have to fulfill your end, ie: to pay them the full amount! which on a total loss is taken from the payout. They do "reserve the right" to act in the way they did (apart from being rude & dishonest), but I would have thought that would have been in exceptional circumstances, such as fraud. I would have been more than happy to carry on paying installments, as per our original agreement. This would have meant I could have replaced the car, which was the reason I took out comp. insurance in the first place. Not having a car caused the failure of my business. I have since revcovered from that situation over the last five years, and Cornhill have lost 4 years premiums (with no claims) on a bigger car than the Astra so nobody won. Quote Link to comment Share on other sites More sharing options...
rovernut Posted July 31, 2010 Share Posted July 31, 2010 This is Adrian Flux's standard system, they will have sent a letter confirming the renewal and their intent to debit the funds from the account prior to taking the money. I have been with them on several vehicles, policies and for many years and they always send the letter prior to renewal. It is possible that your sister had this letter and ignored it presuming that as she didn't want to renew then she didn't need to take any action? Obviously if you paid for the previous year then it would be your account details on her records with Flux. On the subject of automatic renewal. I had my renewal quote from AF last week with the note at the end that as a valued customer etc: etc: If I found a cheaper quote they would do their best to match or better it. Surely this should be part of the brokers job before quoting. In any case, I did have a cheaper quote and called them, they re-quoted (by e'mail) at least £100 cheaper back with my existing insurer ERS instead of NIG who they had previously quoted. OK, quote accepted they have now e'mailed the new policy documents all with NIG that they quoted in the first place. In 43 years of driving I have insured with a number of companies and brokers including NFU. I have to say that AF are the most incompetent to date. Quote Link to comment Share on other sites More sharing options...
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