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Discussion Starter · #1 ·
My renewal is nearly 6 months away....but what with just having the
claim for the car, and already having 3 points i was starting to get
worried about how much my premium would be!

I got a quote with who im with at the minute (DirectLine), and im
paying ?950 this year. With the claim added, it goes upto ?1100... not
that bad i guess considering nearly a near ?4k claim has just gone
through.

So i get a quote with Adrian Flux.... same details exactly... and they
quote me ?830!!! [:O] Where the hell did that come from. And i hear
they are good with mods too? Because next year at some point i may well
investigate suspension, wheels and maybe a chip and exhaust..... whats
normally the charge for these?

Really really suprised by that, i thought id struggle to get a premium under ?1k (even tho im 25!)
 

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I'm with Adrian Flux too....had my renewal through from Bell Direct last month - they wanted ?950 for a standard PD150 Anni which IMO is ridiculous, i've got 3 years NCB, no points, 1 previous non fault claim and a good Wolverhampton postcode.

Called Flux and got quoted ?650 with remap, xenons and rear spacers declared.

I also mentioned I would like to upgrade to coilover suspension at some point next year, they said that was fine and will not afect my premium! Just as long as I don't increase engine BHP they are happy.

Make sure you check that the policy is a full 12 month one though as some people have been quoted for 10 months only.

p.s. I also received a further 15% discount for being a registered member of GTI-Anniversary.com [:)]
 

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I've been with Adrian Flux for the last year and was pleased with the quote, no one could touch it, 20v turbo, s-reg, with a couple of mod's, 27 year old, ?660 with 3 points for speeding, nice!

i've added wheels and a very expensive alarm.(clifford)(but to them i might as well not have bothered)

New quote through the post today, ?20 more a month,(gutted) check the small print 39.70% on DDebit over 10 months.

looks like i'm shopping for insurance tomorow.

keep in mind, they might insure modified cars but you still pay for it. Every time you (mod) send them the modified car form they charge. ?45 for my wheels plus ?15 admin fee, failure to return within 10 days and your insurance is cancelled
 

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This is what i found, if you can afford to pay it off all in one go they are fine, if not, go to Egg. aFlux's interest rate is purely shocking!

Egg are about ?80 more for me, however, they let me change anything over the phone there and then and never charge. When I have needed courtesy cars (2 in the past and I'm under 25, so not insured) and insured myself for two days on someone elses cars, both times, because I was paying for a group 14 car anyway, and these ranged from 8-13, they covered me and didnt charge a penny for it.
 

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Adrian Flux are good at the moment but will get expensive. I pay almost
?1k with all my mods - the nos alone adds around ?300 to the premium.
Couldn't believe how they can get away with charging a 40% hike for
paying by direct debit so I paid by CC.
 

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Ive just renewed my insurance with adrian flux, and they were very good, 32years old, standard engine, but ALL mods declared, wheels, coilovers, anti roll bars, r32 body kit, all interior trim,, ?425 and N9 postcode!, Greenlight wouldnt insure me at all because of my postcode!.

Zak
 

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Adrian Flux are good at the moment but will get expensive. I pay almost ?1k with all my mods - the nos alone adds around ?300 to the premium. Couldn't believe how they can get away with charging a 40% hike for paying by direct debit so I paid by CC.
40 % - Jesus wept.. that's horrendous ! [:O][:O][:O][:O]
 

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Just rung adrian flux to tell them about my anni brakes.. no extra cost involved.. phew [:D] BUT.. ?15 amendment charge ! Daylight robbery. [:mad:][:mad:][:mad:][:mad:]

The girl on the phone said to save the mods or changes up and do them all in one go.. but then surely I risk driving around for a bit with undeclared bits or mods if i'm trying to save them up ? anyone else had the ?15 charge for amending a policy ?
 

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Just rung adrian flux to tell them about my anni brakes.. no extra cost involved.. phew [:D] BUT.. ?15 amendment charge ! Daylight robbery. [:mad:][:mad:][:mad:][:mad:]

The girl on the phone said to save the mods or changes up and do them all in one go.. but then surely I risk driving around for a bit with undeclared bits or mods if i'm trying to save them up ? anyone else had the ?15 charge for amending a policy ?
We were warned about that and also advised to save as many mods up at one time due to admin costs[:mad:]

Try and do all the minor (cosmetic ones) and then save all the big mods to do at around same time and that should help???
 

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I pay just shy of ?500 with flux atm which I think is absolutley fantastic on my heavily modified 20vt ibiza and considering my "M" postcode. I nearly had a heart attack when the renewal came through this year as the next cheapest was closer to ?1000. Been with them for ny on 3 years now, never had a problem, knowledgeable staff etc.....

Dunno if I would recommend them though, as I get cold feet at the thought of ever making a claim as ive heard a few stories. At the end of the day a true recommendation of an car insurance company should come from someone who's actually gone through a positive claim process and not just gone with them because they are the cheapest, afterall isn't that what we have insurance for???

Having said that though, any insurance company given half the chance wouldn't think twice about a non payout etc.
 

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Yep, I've paid a ?15 admin fee for adding a mod to the policy but there was no increase in the premium for the actual mod.

What really riles me though is that they got my date of birth and NCB wrong on my documents, so I rang them up to correct it and they changed it no problem. At the same time I told them about the mod and they still charged me ?15 even though it was done at the same time as correcting mistakes that THEY'D made[:mad:]
 

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Yep, I've paid a ?15 admin fee for adding a mod to the policy but there was no increase in the premium for the actual mod.

What really riles me though is that they got my date of birth and NCB wrong on my documents, so I rang them up to correct it and they changed it no problem. At the same time I told them about the mod and they still charged me ?15 even though it was done at the same time as correcting mistakes that THEY'D made[:mad:]
Daylight robbery!!!!!

[:D]
 

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I'm with Adrian Flux too, and at the time I took the policy out I
couldn't get a credit card so am on their pay-monthly scheme - and the
still came in cheaper than anybody else (and I got a lot of quotes!)
 

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I'm with Adrian Flux too and saved a whopping ?170 on my Bora TDi.  Got my renewal from my old bods and they wanted ?560 with no mods other than my alloys allowed.  Called Adrian Flux for a quote and fell off my seat, ?390 with all mods allowed and future mods not being a problem, all I need to do is let them know, unless its an engine mod which may increase the premium.
 

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Well Adrian Flux can kiss goodbye to my custom when it comes to my renewal. I've figured that they're only cheap because they offer cheap customer service and a crap system of documenting modifications.

Basically, I added a modification to my policy a few weeks back (see my last post in this thread) and I rang them to tell them about it. They duly sent me a modification form to fill in, which I did but with only the new modification as they knew about all the others.

They have now sent this modification form back to me saying that it is incomplete and I have to list every single modification. I have just got off the phone to them explaining that they already have details off ALL my modifications which is why I only added the new one on the form this time. I was told that basically, everytime I do a modification I have to fill in the form listing ALL of them, even though they already have details of them[:mad:] It's ok if you only have a few mods, but if you have loads you're expected to remember ALL off them and ALL of the dates they were done and ALL of the people that did the mods each time you want to add a new one!

This really sucks, because the girl on the phone told me that even though they keep all of the details stored on the computer, they still keep the paper copies of the modification form and when they get a new one it supercedes the old one. So each time you have to fill in a new form with every mod including the new one because if you just detail the new mod it looks like that is the only mod because they will get rid of the old copy of the form with the other mods on.

So along with the daylight robbery of ?15 for every modification you add (and having to pay for adding a mod at the same time as informing them of their mistakes) their insurance company is one of the most backward and pedantic I've come across.

Rant over[:mad:]
 

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Well Adrian Flux can kiss goodbye to my custom when it comes to my renewal. I've figured that they're only cheap because they offer cheap customer service and a crap system of documenting modifications.

Basically, I added a modification to my policy a few weeks back (see my last post in this thread) and I rang them to tell them about it. They duly sent me a modification form to fill in, which I did but with only the new modification as they knew about all the others.

They have now sent this modification form back to me saying that it is incomplete and I have to list every single modification. I have just got off the phone to them explaining that they already have details off ALL my modifications which is why I only added the new one on the form this time. I was told that basically, everytime I do a modification I have to fill in the form listing ALL of them, even though they already have details of them[:mad:] It's ok if you only have a few mods, but if you have loads you're expected to remember ALL off them and ALL of the dates they were done and ALL of the people that did the mods each time you want to add a new one!

This really sucks, because the girl on the phone told me that even though they keep all of the details stored on the computer, they still keep the paper copies of the modification form and when they get a new one it supercedes the old one. So each time you have to fill in a new form with every mod including the new one because if you just detail the new mod it looks like that is the only mod because they will get rid of the old copy of the form with the other mods on.

So along with the daylight robbery of ?15 for every modification you add (and having to pay for adding a mod at the same time as informing them of their mistakes) their insurance company is one of the most backward and pedantic I've come across.

Rant over[:mad:]
Arse ! I got my form from them yesterday to tell them about my new brakes.. it even shows all the old mods they know about.. didn't think i'd have to fill em ALL in AGAIN ! They've got "dump valve" instead of diverter valve too.. spose i'll have to write an essay explaining the difference between the two as well ! I guess they save ya money by getting you to do all the work, i.e. the forms etc. Just keep a photocopy of the form ya sent in previously.. this is what i'll be doing with this one.
 

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so would you recommend them ..... i've got less that 24 hours to decide between Greenlight and Adrian Flux. Flux is cheaper by ?100 on just body mods and by ?20 with a chip. The guy from Greenlight seemed more helpful though.
 
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