Hybrid_From_Hell Posted March 21, 2006 Share Posted March 21, 2006 Hmmmmmmmmm The old insurance renewal dropped onto the letterbox today. I've never really bothered as most insurers seem to specialise in being hoplessly useless, and I just can't be bothered to put up with the hassle, and just cough up every year,,,, BUT this year the Premium had jumped yet again (seemed to every year) ......... by a large amount. I decided before I left work to e-mail a list of mods (did for the existing co) to a range of insurers. Had some stupid calls from people who had zero idea what they were on about - just told them to b*gger off for the reason stated above ........... Siad to them "I seem to already have a slightly hopless insurer, looking for one that actaully knows their ar*es from their elbows... and guess what - it ;aint you matey ) I then got a call from a very helpful and knowledgable lady (justine) from Adrian Flux. THE PREMIUM with all mods both done AND PLANNED was 52% of the renewal I had Not only that but they KNEW about LRs and had an air of "oh yeah and" when I mentioned certain mods, ..............so I said "Yes", ..............and 10 mins later job was done. Oh what a joy, my existing insurers who I have been with for years (secure direct / snopwball) I have always had to explain things to, ..........chase, .............they often "Loose" letters and forms, .............seldom return calls, ...........and STILL on the renewal had the 90 down as a 3.5 V8, when I phoned to query they said "Oh yes we have it noted as changed in our records ??? ! so why does it say 3.5 on the renewal AGAIN ?.....er unsure sir, we will look into it . Yeah right, and Elvis will be helping you then "Uh-Huh" ? It is early days but : 1. the premium is nearly half 2. the mods I wnat to do they have accepted and rated and have said just say when they are done 3. have an agreed value (yippe) secure direct say "NON" 4. were frighteningly easy to deal with 5. I'm almost happy Nige I'd certainly recomend A Flux if your insurance is up for renewal..... Quote Link to comment Share on other sites More sharing options...
s2hotdog Posted March 21, 2006 Share Posted March 21, 2006 Nige Funnily enough I was going to recommend A F as I have just ben offered a good deal from them ................ much better than my usless existing company lancaster Cheers BTW brill mag ........ Steve Quote Link to comment Share on other sites More sharing options...
Hybrid_From_Hell Posted March 21, 2006 Author Share Posted March 21, 2006 BTW brill mag ........ Steve OrShucks Ta Nige Quote Link to comment Share on other sites More sharing options...
s2hotdog Posted March 21, 2006 Share Posted March 21, 2006 You deserve it matey Quote Link to comment Share on other sites More sharing options...
landrover598 Posted March 21, 2006 Share Posted March 21, 2006 Iv'e got my hybrid insured with A Flux and they do know their landies B) Very good service, and one of the few companies who would actually give me a quote Quote Link to comment Share on other sites More sharing options...
Mark90 Posted March 21, 2006 Share Posted March 21, 2006 I always use Adrian Flux with anything that has more than very basic/monir mods partly cos the know WTF you are on about and partly cos they are 'kin cheap for modified vehicles. Quote Link to comment Share on other sites More sharing options...
Tonk Posted March 22, 2006 Share Posted March 22, 2006 good for modded vehicles, not so good for standard vehicles imho, lr is insured with them and will stay with them. Quote Link to comment Share on other sites More sharing options...
ltwt1981 Posted March 22, 2006 Share Posted March 22, 2006 The old insurance renewal dropped onto the letterbox today. I've never really bothered as most insurers seem to specialise in being hoplessly useless, and I just can't be bothered to put up with the hassle, and just cough up every year,,,, Who do you work for Nige? Quote Link to comment Share on other sites More sharing options...
Jon White Posted March 22, 2006 Share Posted March 22, 2006 My experiencees of AF are mixed. Yes the policies seem resaonable, but they never seem to be so reasonable for renewals in my experience. They also seem to take forever to send out policy documents. I've waited 4 or 5 months inthe past! Have to admit I've not used them for a few years so they may be better now........however whenever my insurance is up I try and call them for a quote and give up after 20 odd minutes of cr@p hold music......... Jon Quote Link to comment Share on other sites More sharing options...
jules Posted March 22, 2006 Share Posted March 22, 2006 The old insurance renewal dropped onto the letterbox today. I've never really bothered as most insurers seem to specialise in being hoplessly useless, and I just can't be bothered to put up with the hassle, and just cough up every year,,,,Who do you work for Nige? I get the 90 and the freelander racer insured with Snowball So far they have been good as gold When I first spoke to them I told them the car was highly modified and put me through to another department and after realying off all the challenge trucks mods and agreed a value for fully comp. The chap said its not that modified anyway enthusiast never clam which is why the premiums are not high. When I rolled the 90 two weeks latter I spoke to the same chap to transfer it over to the 1.8 rally freelander (at which time they tried to talk me into compatition insurance) there was a £80 fee for the freelander and they were happy that it would be seen in mags and it had one the trophy class BROC. The chap asked what was wrong with the 90 when I told him what happened is reply was I told you enthusiast's don't clam. Julian Quote Link to comment Share on other sites More sharing options...
GBMUD Posted March 22, 2006 Share Posted March 22, 2006 It is early days but :1. the premium is nearly half 2. the mods I wnat to do they have accepted and rated and have said just say when they are done 3. have an agreed value (yippe) secure direct say "NON" 4. were frighteningly easy to deal with 5. I'm almost happy Just wait until they hit you with a punitive "administration" charge to change any detail of your policy. Move house, change job, make a change to the spec. etc. NFU may be a few pounds dearer in the first instance but they insure you when off the road (if you were to roll on a site (non comp)) and make no charge for adjustments like change of address etc. NFU for me! Chris Quote Link to comment Share on other sites More sharing options...
Brett Posted March 22, 2006 Share Posted March 22, 2006 Just wait until they hit you with a punitive "administration" charge to change any detail of your policy. Move house, change job, make a change to the spec. etc. NFU may be a few pounds dearer in the first instance but they insure you when off the road (if you were to roll on a site (non comp)) and make no charge for adjustments like change of address etc. NFU for me!Chris I use Flux too, used NFU for years in the past plus Sureterm. Flux have never charged me for changes to policy. I think you'll find as well that NFU offroad cover is only Greenlane or (if you're a farmer etc.) cover for field/track use. They won't pay out for damage from a pay & play site? Flippin Sureterm though, got my renewal in last month from Flux, also got a letter from ST stating they could "definitely beat my renewal quote" Phoned, them up, wnated to know all the mods over the phone, I said "haven't you already got this on file"? Reply "Yes" On the phone nearly 20 minutes, " Sorry, we can't get anywhere near that" Quote Link to comment Share on other sites More sharing options...
jules Posted March 22, 2006 Share Posted March 22, 2006 I use Flux too, used NFU for years in the past plus Sureterm. Flux have never charged me for changes to policy. I think you'll find as well that NFU offroad cover is only Greenlane or (if you're a farmer etc.) cover for field/track use. They won't pay out for damage from a pay & play site?Flippin Sureterm though, got my renewal in last month from Flux, also got a letter from ST stating they could "definitely beat my renewal quote" Phoned, them up, wnated to know all the mods over the phone, I said "haven't you already got this on file"? Reply "Yes" On the phone nearly 20 minutes, " Sorry, we can't get anywhere near that" I got rear ended on the M3 one morning and Surturm were a waste of space took over 6 months for them to agree to fix the £800 ish (I was fully comp) damage to the disco then another year to get my excess back. NFU don't like young drivers as my quotes with them are around the £1500-2000 mark and I'm 28 with a clean licence living in a area with the lowest car crime in the UK with no clames since 96. One clam from my wife when the freelander rolled off the drive and hit a BMW (the chap was not to happy as I zip tied his bumper back on the brand new BMW less than a mile old.) Disco is £600 and the race prep(blue printed engine) freelander is £380. Quote Link to comment Share on other sites More sharing options...
gsr341 Posted March 22, 2006 Share Posted March 22, 2006 im using firebond for my 90, they where nearly £900 cheaper that sure term who i had previously insured my series 3 with , the 90 is covered for all planned mods and for my girlfriend to drive , well recomeded Quote Link to comment Share on other sites More sharing options...
ROGUE TROOPER Posted March 22, 2006 Share Posted March 22, 2006 I pay £160 with Frizzel fully comp on a modified series 2 with V8 Quote Link to comment Share on other sites More sharing options...
02GF74 Posted March 22, 2006 Share Posted March 22, 2006 I'm with AF for the lwt. Was wiuthg Pete Best but that was under classic car policy, about £ 10 cheaper but had no accumulating NCB. The real test though is wehn you need to make a claim; insurance companies are good at siphoning money off you but not so when the table turn, not that you would be driving a table.... Quote Link to comment Share on other sites More sharing options...
rod Posted March 22, 2006 Share Posted March 22, 2006 Adrian Flux have been great with my policy. Heavily modified and with an agreed value - which they agrred to after looking at some of the parts invoices - and dirt cheap compared to the last lot i used. Been with them 4 years now, and never been charged for any changes to it Quote Link to comment Share on other sites More sharing options...
Hillbilly Raider Posted March 22, 2006 Share Posted March 22, 2006 no probs with Flux have now swapped the Raider over to them( from Landrover) too. Quote Link to comment Share on other sites More sharing options...
Tonk Posted March 22, 2006 Share Posted March 22, 2006 didn't know they insure garden sheds ornaments too Quote Link to comment Share on other sites More sharing options...
Hillbilly Raider Posted March 22, 2006 Share Posted March 22, 2006 well someone did say theyr'e not fussy like some other companies! Quote Link to comment Share on other sites More sharing options...
robhybrid Posted March 22, 2006 Share Posted March 22, 2006 I use Footman James after having a slight difference of opinion with AF. Quote Link to comment Share on other sites More sharing options...
geoffbeaumont Posted March 22, 2006 Share Posted March 22, 2006 I use Flux too, used NFU for years in the past plus Sureterm. Flux have never charged me for changes to policy. I think you'll find as well that NFU offroad cover is only Greenlane or (if you're a farmer etc.) cover for field/track use. They won't pay out for damage from a pay & play site? I specifically asked about that when I insured my Range Rover with the NFU - they said it's covered on my policy. NFU don't like young drivers as my quotes with them are around the £1500-2000 mark and I'm 28 with a clean licence living in a area with the lowest car crime in the UK with no clames since 96. Ouch! Are you sure it's just young drivers, or is it some other factor? I insure my '93 Range Rover with them - admittedly it's only worth a couple of grand (although it didn't seem to make any difference when it was insured for four), but I'm 29, I have fully comp cover for any driver over 25, 22K a year mileage and I live in a relatively high car crime area of Birmingham. About £750/year, including interest for paying monthly installments. No problems with non-performance enhancing mods, although it did take a while to sort out permission for the Megasquirt'n'EDIS, and I've got to get an engineers report done on that once I've installed it. Edited to say: They don't need an engineers report into the engine change though... I've never had to claim from them, but they weren't too bad when I had to notify them of a slight mishap on the M6 last year (shed load ). I did have to correct two or three serious mistakes in the details they recorded, but they did at least deal with that properly within their normal processes. Quote Link to comment Share on other sites More sharing options...
Tangoman Posted March 22, 2006 Share Posted March 22, 2006 I use secure have for 3ish years am sorting out tommorow am always pleased with them when i make a change they dont charge and never had a prob with there knowledge of the orange shed. Quote Link to comment Share on other sites More sharing options...
SHAVED_GORILLA Posted March 22, 2006 Share Posted March 22, 2006 I use Footman James after having a slight difference of opinion with AF. I too had a difference of opinion with them. My advice for anyone using them is if you are paying monthly beware of their credit company if you decide not to renew. They may still take money from your account, this reactivates your renewal even if you informed them that the vehicle was not on the road. The next thing you know is you are getting a bill for insurance you did not want. I was very disapointed by this because as an insurer they were faultless till then. SG Quote Link to comment Share on other sites More sharing options...
dottythe90 Posted March 23, 2006 Share Posted March 23, 2006 Liverpool Victoria (Frizzells) - fully comp, me & spouse only £377 for the Disco £330 for the Defender Had to chase them up to close 2 old incidents (not my fault and no claim on my part) that were affecting my no claims, but now have the full 9 years again on both vehicles. Quote Link to comment Share on other sites More sharing options...
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