Bingy Posted January 10, 2016 Share Posted January 10, 2016 My Insurance is due for renewal at the beginning of Feb. I have always been an Adrian Flux user,.However, this years policy has increased over £200. So i thought id do a little surfing and try somewhere new. Went on gocompare and did the usual forms and to my amazement Adrian Flux were one of the dearest and Tesco Direct were not only far cheaper by a mile and gave me better mileage as well. 05 Range Rover Vogue L322 4.4 V8 Petrol Parked on drive 49 years old 20+ years ncb protected 0 points fully Comp social, domestic pleasure inc cummuting Free courtesy car No excess So my quote from A.flux was £1328.10 limited to 5000 miles a year Tesco Direct £445.00 limited to 15000 miles a year Sadly i dont think that Mr Flux will be able to match this. But before i go ahead, i would like to hear if anybody else uses Tesco Direct. Quote Link to comment Share on other sites More sharing options...
Snagger Posted January 10, 2016 Share Posted January 10, 2016 We used them for a factory standard 90 Tdci and got a premium under £200, but the clincher is that the car has to be standard. We had to move the following year because we added a snorkel and they insisted it was a mod rather than an accessory. Hastings Direct covered us after that for £220, including the snorkel, after some fairly firm but friendly negotiation. Both companies were good to deal with. However, I have also had high Flux renewal quotes in the past, despite being a loyal customer; they came down an astonishing amount when I gave them other quotes - it's worth shopping about every year. Quote Link to comment Share on other sites More sharing options...
miketomcat Posted January 10, 2016 Share Posted January 10, 2016 Flux has always been good for modified vehicles but standard trucks are quite often better elsewhere. However I would give flux a chance to match or try you might be lucky. Sorry can't help with tescos though. Mike Quote Link to comment Share on other sites More sharing options...
Bingy Posted January 10, 2016 Author Share Posted January 10, 2016 Cheers. Other than having a set of AT grabbers on its fully standard. Theres nearly 300 horses at my right foot, i dont really need any more Im going to give Adrian Flux the opportunity to drop their price, but i cant see them matching the prices quoted. Adrian Flux have always given me a good competitive quote in the past and a few times have been the only ones that would insure my 4.0 V8 P38 due to it having a gas conversion on it I also use them via Bikesure to insure my Motorbike I suppose loyalty doesn't count these days and Tesco will probably end up with my custom Shame really Quote Link to comment Share on other sites More sharing options...
supaimpy Posted January 10, 2016 Share Posted January 10, 2016 Ex was insured with Tesco's , car got hit and totally knackered ( she was stationary) , Tesco's sorted the claim in 3 weeks, hire car thru out. Only stipulation was car had to be registered in main drivers name Quote Link to comment Share on other sites More sharing options...
Bingy Posted January 10, 2016 Author Share Posted January 10, 2016 So a fairly fast turnaround should something happen. Yes the Rangy is in my name cheers more food for thought. Quote Link to comment Share on other sites More sharing options...
Snagger Posted January 11, 2016 Share Posted January 11, 2016 Only stipulation was car had to be registered in main drivers name There's a legal requirement on all private car insurance policies that the main driver must be the policy holder, but I have never come across this, even that year with Tesco. Quote Link to comment Share on other sites More sharing options...
BrainH Posted January 11, 2016 Share Posted January 11, 2016 All insurance companies work on the basis of inertia, they think that you will accept the quote rather than look around. I believe that they now automatically renew if you don't challenge the cost if they have a direct debit / Debit Card details. I now flip my main drive, and house insurance every year as a point of principle, with 9 MeerCats to prove it. The last renewal from RAC was double what they were offering new joiners, bear in mind that RAC / AA are actually insurance. When I challenged the renewal it was dropped to £3 below the new joiners cost. I often wonder how much I gave paid over the odds in the past, before comparison sites. Quote Link to comment Share on other sites More sharing options...
FridgeFreezer Posted January 11, 2016 Share Posted January 11, 2016 Flux may get closer than you'd expect but are unlikely to beat the generic mass-market insurers on standard vehicles, shame really as I much prefer their service (speaking to real people who usually actually do give a carp about you). I'm with Tesco on the Freebie (std) because they're the cheapest quote from a company I've actually heard of, although they did do the usual ar5ehole trick of ramping my renewal up this year, went online to a certain meerkat related website, Tesco came out about £150 cheaper than themselves if anyone else (of known repute) was near on price I'd have switched but as it was I cancelled and took out a new one via the meerkats. Pees me off that the entire industry works on the business model of the general public being lazy incompetents, but I guess most of the time it works 1 Quote Link to comment Share on other sites More sharing options...
BrainH Posted January 11, 2016 Share Posted January 11, 2016 I love having the chat with the retention team when cancelling the old policy, it always ends up with them saying we hope you will consider us in the future, yeah, only when you are cheaper Quote Link to comment Share on other sites More sharing options...
Aragorn Posted January 11, 2016 Share Posted January 11, 2016 I recently changed insurer but prior to that was with admiral for about 4 years. I noticed that once i had the policy with them wouldnt quote on comparison sites for my details any more. Initiall their sister companies would (Bell, Elephant, Diamond) however, and 2 out of the 3 years all three sister companies were within a few quid of each other and MUCH cheaper than the renewal they'd sent thru. Each time a phonecall and some rubbishy excuses had them match the online price of their sister company (which as it happened was the cheapest quote). I expect this was so existing customers dont get annoyed that their renewal is more than they're offering new customers as a few folk above have mentioned above with other firms. Just shows the levels they go to! The last time around, none of the admiral group companies quoted, so they've presumably refined their system even more. Their renewal was still uncompetitive, so i went elsewhere this time rather than calling up, no point giving them my money when they're acting like that. They also suckered me into their "multi-car" scheme last year. Sounds great, until you come to renew and find they're wildly uncompetative on one or other vehicle. It also adds even more inertia in their favour, as they align all the policy end dates, resulting in me now having to chase around for two insurance policies at the same time now! Quote Link to comment Share on other sites More sharing options...
qwakers Posted January 11, 2016 Share Posted January 11, 2016 flux have been good to me being the only insurers who would touch me two years ago and i thought the renewal was good at 1/2 what the previous year was, until i rang them on the off chance and moaned, 1 st year £800 renewal. £400 ended up paying £250... go figure. Quote Link to comment Share on other sites More sharing options...
BrainH Posted January 11, 2016 Share Posted January 11, 2016 Admiral also own Confused.com. Double bubble. Quote Link to comment Share on other sites More sharing options...
missingsid Posted January 11, 2016 Share Posted January 11, 2016 £1300 and limited to 5000 miles at 49! Ok I'm 57 only 3 yrs ncb due to guy hitting me on my side of the road over a year ago and still fighting it not with Flux for that car. 05 4.4 Disco 3 with LPG 12000 miles 2000 business miles fully comp Flux charged me £1100. My series 1 V8 on limited to 3000 miles is £120 the actual insurance is £35 the rest is to Flux but they tell that, its not hidden. They have worked on their std car prices. Marc Quote Link to comment Share on other sites More sharing options...
Ed Poore Posted January 11, 2016 Share Posted January 11, 2016 Might be worth a quick glance at this thread. The FF driver was insured by Tesco (see YouTube description) and they were going to admit 100% liability unless the dash-cam footage appeared showing what the driver described. Quote Link to comment Share on other sites More sharing options...
DavidW Posted January 12, 2016 Share Posted January 12, 2016 My D3 is insured through Tesco. I've not claimed from them yet so have no idea how them will perform. They couldn't cope with the Defender due to it being non standard so that is insured with Flux. Quote Link to comment Share on other sites More sharing options...
L19MUD Posted January 12, 2016 Share Posted January 12, 2016 Aaragen - I have insured with Admiral multicar for a number of years now and have the same problem at renewal time. I find that 'accidentally' misspelling my name allows a quote to be produced online. I then ring up, moan a lot, get them to match it and correct the spelling. Very annoying but I have found they cannot be beaten when you are insuring 4 cars in one hit. They even do classics now so I have my series 2 insured on an agreed valuation with them. Back to the OP - that seems expensive to me! Last year when I still had my V8 petrol L322 my details/premium came out as follows 2002 V8 Vogue L32230 Years old Male9 years NCBClean licenseParked on drive (in rural Suffolk)£150 Excess£240 per yearThey have now upped it to £420 per year for a 2010 Vogue SE TDV8 but that was a mid year change so I suspect they screwed me a bit Quote Link to comment Share on other sites More sharing options...
Ed Poore Posted January 12, 2016 Share Posted January 12, 2016 Agree - that seems a tad high. I have a 2007 Vogue TDV8, 27 year old male with 25 year old sister, and both parents. 7 years NCB, parked on road in Surrey. Can't remember excess - about £250-500 I think. Just a tad under £500 I think for 15k miles per annum - without my sister would be about £100 cheaper. Quote Link to comment Share on other sites More sharing options...
L19MUD Posted January 12, 2016 Share Posted January 12, 2016 Forgot to say 10k miles PA Quote Link to comment Share on other sites More sharing options...
Bingy Posted February 15, 2016 Author Share Posted February 15, 2016 Just thought id update Rang Adrian Flux up regarding the renewal price After i told them that i could get it cheaper with Tescos they rang the insurers and managed to get the figure down to £786. but couldn't match Tescos or come anywhere near. So sadly i have had to leave them and start with Tescos. Incidentally, having watched the footage of the dashcam of the other Fullfat member and as i have managed to save some money on the insurance price, I have gone and got myself a front and rear Blackvue dashcam (yet to be fitted though) Quote Link to comment Share on other sites More sharing options...
Bowie69 Posted February 15, 2016 Share Posted February 15, 2016 Just so you know, my mate with his 480BHP supercharged Disco got insured through Academy for £230(!) Quote Link to comment Share on other sites More sharing options...
Bingy Posted February 15, 2016 Author Share Posted February 15, 2016 Noooooooooooooo Quote Link to comment Share on other sites More sharing options...
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