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Im on the same deal Adrain Flux/ Highway.
Im not sure what to make of them they seen ok for price and mods but reading the stuff there are a load of bits in there paperwork that got me thinkign ie wanting to know who installed ever mod and that they can send someone to check the mods etc and I have to pay for his services.
Not had any problems with them though realy and Adrain Flux are very good service wise when you ring them up.
Im not going with them next year though. Elephant are even cheaper.
Ive been with Flux for a while. They have their moments, sometimes they are spot on. Price is always good.
However they did shaft me somewhat when i changed from my Saxo to 206 a few years back (went back on what i was quoted for the change over). Also when i needed to make a claim they just gave me the claims number for the insurance company, didnt want to know themselves. Getting anything done on that claims number was a pain as well.
Only problem i ever had was when i swapped banks and contacted flux to set up direct debit with new bank and they told it was too late, they wanted payment from debit or credit card within a week else they would cancel the policy. Ended up borrowing from relatives to pay it via debit card and then they still took the money by DD from my new bank account anyway which they said they could not do!
Oh and they also charged me for changing address and despite being in the same area but on a drive rather than a public car park my premium stayed the same.
Lie to you on the phone, deny saying something that they blatantly have, fiddle the excess to get a cheap quote for you so it comes through different on the paperwork but youve already signed up so cant get a refund, and they take forever to pay money out.
Wouldnt touch them with a barge pole personally, not unless I had a car that I was happy to crash and just buy a new one rather than claim.
Have you tried greenlight? They were £100 less than my next lowest quote at £650 protected on the 182. Im 25 with 8 yrs no claims but was banned for a few weeks in 2002 for an sp50 (seems to add about 1/3 to all my quotes)
Was with Flux the whole time I had my valver and now on the 172, so about 5 years.
No real problems, few crappy admin errors Ive had to correct them on though.
Renewal came through yesterday, hideously overpriced and with only 2 years ncb!! (I should have 5)
They said I had an outstanding claim with them and until it was settled theyd only give me 2. Turns out that when I had my accident two months ago (woman hit me, well my car ) they opened a claim even though I claimed all off the other person. It was totally blank so I just asked them to close it and they gave me my ncb back
Then they gave me a recalculated renewal which was still £300 more than Privilege online. He went away, called me back 10 minutes later and beat Privilege by a tenner (Was already a very low quote imho).
So its off to Privilege tomorrow and their "we will beat any renewal" to get it down more
I found elephant ok as they insured me in my mums name and me as named driver on the cup (i was 18) and i wrecked it and me n my mum got our story right and so they couldnt fault us for anything and they paid out 7800ish within a month. Couldnt belive they did though.
I was only payin 1400 per year with half a years driving expirience.
Lost my mum 6yrs ncb but made sure i could get her insurance just as cheap.
Dont go into the accident i was just using it as an example to how they payed me out!
Im insured with them now and in december my insurance runs out ill be 19 with a years ncb and am hoping i can insure a 182 for around 2k. Learnt my leson about driving the hard way so shouldnt have any probs now with a 182.
wezzie when u totaled the cup did they come check the car for mods. I am 18 on a 182 under mums name for £1700 with elephant. My mods are insured like exhaust and lowering but wondering if they actually check.