Little review of my experience with Adrian Flux over the past month
I have been with Chris Knott for YEARS but as Adrian Flux are advertised all over modified car clubs, and sponsors of FCS etc.. I thought I'd give them a go
So I rang up for a quote. It took AGES to tell the guy everything that had been done to the car as I explained it was primarily a track car. The guy was calling me "mate" every 30 seconds and sounded really c**ky which was bugging me - but eventually he gave me a price which was £30 less than my renewal and they said I'd have like for like cover on all my mods - which was very appealing
I agreed to take the policy out, paid a £90 deposit and gave them my bank details for paying monthly - all was well
They sent me some paperwork to fill out - agreed mileage form, modification details forms and asked for proof of my NCB and copies of my license
All very good
Except then a few days later I get an email saying there credit company have failed me for a loan (WTF) so my insurance was null and void in 14 days time.
I pay for contents insurance and car insurance on my other car all monthly through finance companies. Properly annoyed
So I ring up and ask why I can't pay for it all in one go - and the woman snapped and said "well obviously you can if you pay in under 14 days" - talking to me like I'm scum because I failed a credit check - NICE
I double checked the email and nowhere did it say I could pay - it just said insurance will be cancelled in 14 days
So I waited till pay day rang up and paid the full amount (nearly £580) - I asked if I would get some sort of receipt or confirmation that my insurance was still valid "yeah you will" - all I ever got was an email saying thanks for payment *sigh*
I also asked why the paperwork they'd sent me only had 4 mods on it when I gave them an extensive list and she said that was all there was room for on the form, but it was all on the computer and no problems - just fill the form in with full details and send it back.
I then filled in all the supporting paperwork and sent it off
I get an email 2 weeks later saying that I had listed mods on the paperwork that I didn't inform them about on the phone - apparently my engine was "chipped" and they wanted another £68
I rang up fuming - I told the guy it had a full jenvey throttle body kit and ecu
When I rang up the woman basically said I hadn't told them about the "engine chip", braided hoses and a steering wheel - so they wanted another £68. I said I wasn't happy because I did say I had an aftermarket ecu and it wasnt an "engine chip" - she said she would talk to her manager and ring me back
5hours later I get a phone call where she says she has listened to my original phone conversation and I never mentioned the engine chip. Apparently I told them my car was bodykitted???? *sigh*
She then asked if it was ok to take the £68 from my card - and I said "no it isn't"
I asked for an address to write to as I wasn't getting anywhere with the morons on the phone and left it at that
Guess what - today they took the £68 from my card without permission
Absolutely BY FAR the worst service I've ever had from an insurance company
The people on the phones don't understand car mods at all - they sound like essex chav's
After I failed there credit check everyone was rude to me and talked to me like s**t
I certainly won't be allowing them to advertise on 106owners anymore
I think I am going to write a letter though I don't expect much to come from it
I guess at least I have a years insurance paid for up front now - but I'm nearly £700 out of pocket when I wanted to pay monthly and to be honest I think the like-for-like part of my insurance is pointless because I have absolutely no faith at all that they've got the list of my mods right
I have been with Chris Knott for YEARS but as Adrian Flux are advertised all over modified car clubs, and sponsors of FCS etc.. I thought I'd give them a go
So I rang up for a quote. It took AGES to tell the guy everything that had been done to the car as I explained it was primarily a track car. The guy was calling me "mate" every 30 seconds and sounded really c**ky which was bugging me - but eventually he gave me a price which was £30 less than my renewal and they said I'd have like for like cover on all my mods - which was very appealing
I agreed to take the policy out, paid a £90 deposit and gave them my bank details for paying monthly - all was well
They sent me some paperwork to fill out - agreed mileage form, modification details forms and asked for proof of my NCB and copies of my license
All very good
Except then a few days later I get an email saying there credit company have failed me for a loan (WTF) so my insurance was null and void in 14 days time.
I pay for contents insurance and car insurance on my other car all monthly through finance companies. Properly annoyed
So I ring up and ask why I can't pay for it all in one go - and the woman snapped and said "well obviously you can if you pay in under 14 days" - talking to me like I'm scum because I failed a credit check - NICE
I double checked the email and nowhere did it say I could pay - it just said insurance will be cancelled in 14 days
So I waited till pay day rang up and paid the full amount (nearly £580) - I asked if I would get some sort of receipt or confirmation that my insurance was still valid "yeah you will" - all I ever got was an email saying thanks for payment *sigh*
I also asked why the paperwork they'd sent me only had 4 mods on it when I gave them an extensive list and she said that was all there was room for on the form, but it was all on the computer and no problems - just fill the form in with full details and send it back.
I then filled in all the supporting paperwork and sent it off
I get an email 2 weeks later saying that I had listed mods on the paperwork that I didn't inform them about on the phone - apparently my engine was "chipped" and they wanted another £68
I rang up fuming - I told the guy it had a full jenvey throttle body kit and ecu
When I rang up the woman basically said I hadn't told them about the "engine chip", braided hoses and a steering wheel - so they wanted another £68. I said I wasn't happy because I did say I had an aftermarket ecu and it wasnt an "engine chip" - she said she would talk to her manager and ring me back
5hours later I get a phone call where she says she has listened to my original phone conversation and I never mentioned the engine chip. Apparently I told them my car was bodykitted???? *sigh*
She then asked if it was ok to take the £68 from my card - and I said "no it isn't"
I asked for an address to write to as I wasn't getting anywhere with the morons on the phone and left it at that
Guess what - today they took the £68 from my card without permission
Absolutely BY FAR the worst service I've ever had from an insurance company
The people on the phones don't understand car mods at all - they sound like essex chav's
After I failed there credit check everyone was rude to me and talked to me like s**t
I certainly won't be allowing them to advertise on 106owners anymore
I think I am going to write a letter though I don't expect much to come from it
I guess at least I have a years insurance paid for up front now - but I'm nearly £700 out of pocket when I wanted to pay monthly and to be honest I think the like-for-like part of my insurance is pointless because I have absolutely no faith at all that they've got the list of my mods right
