8tee8
Part of things
Posts: 288
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They were the only company I found that would even cover my skyline, as I've never had such a powerful car before. However they insisted on a black box thing that monitors distance covered (not speed or 'driving style' I was assured). The duly arrived and was faulty, which I reported to them. They accused me of not charging the device and would not accept that it was faulty, and proceeded to reduce my cover to third party only, referring the car unusable and not covered against theft for almost a month. Two weeks of this were waiting for them to confirm the device was faulty after returning it to them. My compensation? They paid for the return postage. Still waiting to hear how they plan to make up for the weeks of severely compromised cover and shocking treatment of a paying customer. So no, you don't have to have an accident to experience their quality. On balance I have had a few policies with them and found them to be competitively priced and pleasant enough to deal with. A goodwill gesture from them with regards to their terrible handling of this issue would probably see my returning custom, but that's probably quite unlikely
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pcj
Part of things
Posts: 203
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Jun 21, 2015 11:18:46 GMT
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However they insisted on a black box thing that monitors distance covered (not speed or 'driving style' I was assured). Ref the black box "thingy": be aware and be afraid people, resist like hell! As a semi-retired engineer with electronics/computer engineering as some of my skillset I wouldn't believe for one moment that the thingy monitors only distance, unless I'd seen the circuit diagram, checked the code used to drive the computing bit, checked just how much room it had to store data and how often it communicated with "Mum". Its declared purpose may well be nothing more than to check you're not exceeding the 1 mile per month, 3,000 miles per year or whatever "classic friendly" limit your insurance company and you have agreed. However, unless the only input to the device comes from the odometer (and even then length of driving sessions, frequency per day etc, average and a good indication of actual speed would be very easy to compute) then getting lots more information would be a piece of cake. For instance if it has GPS and/or 3G/4G phone technology built in then such things as locations, times, speeds and total hours driven in any one stint are readily available. Just like a black box recorder in an aircraft, your little electronic buddy could be configured to be a witness for the prosecution m'lud! Come to think of it I wonder if anyone in the "speed is dangerous and must be curtailed anywhere and everywhere it happens" camp is working on lobbying Parliament to have the "thingies" made compulsory and they'd report you automatically (maybe even deduct a standard fine from your credit card and notify your insurance company) any time/place you exceeded the speed limit, including doing so in miles of deserted roadworks cones at night? God, what a terrible scenario! Might have to start looking for my bike clips!
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Last Edit: Jun 21, 2015 11:24:19 GMT by pcj: typo
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Jun 21, 2015 17:35:03 GMT
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Just go with Lancaster insurance, top people nice price never had an issue. I did once try AF cancelled the policy before it started and then got a bill for 184 pounds very cool company. GFYS!!! Cheers
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The louder you Scream the faster we go
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Jun 21, 2015 19:05:06 GMT
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There staff on the whole know nothing about modifications.
When I had my 306 s16 the mod list was a couple of sides of a4, went through it all on the phone with them but had to send a hard copy aswell .
To be told that a strutbrace wasn't a suspension mod
I literally had to go back through every line of the modifications again.
Then when the s16 went wrong they woukdnt temporarily change my cover to a307 auto which they couldn't do
For me they could be £100 a year cheaper then the next company but I'll never use them again
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Jun 21, 2015 19:13:18 GMT
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I have also had bad experiences with Flux
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***Please contact me if you need Tig welding done***
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oukie
Part of things
Posts: 307
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Jun 21, 2015 19:38:23 GMT
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I've got two classic, policies with them, no problem as of yet with my AW11 n/a, policy had it over two years, but insured my AW11, SC, which has substantial performance modifications, pushing it to 180+ bhp, I declared all these mods, they asked for forms and pictures for the mileage declaration and the agreed value etc. Pretty standard stuff. Then two weeks later, I get a letter asking for owners club membership confirmation, which they never asked me for when I set the policy up etc, I even double checked the policy details they'd sent me, no mention. The staff member who I spoke with was very rude and abrupt with me when I called for an explanation, I didn't have an issue sending in the requested information, but was questioning why. I later filled in a customer survey, it was about as abrupt as their employee.
Come renewel, I'll be moving both policies.
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Last Edit: Jun 21, 2015 19:39:08 GMT by oukie
Mr2 mk1 x4
Honda Accord 2.4 Executive (luxo barge)
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Jun 21, 2015 19:56:32 GMT
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Yep another one here, main problems I have had have been with certain members of staff.
Saved £1100 by hanging up on one woman and talking to a guy that actually knew what he was doing.
Sadly this happened every time, then i got shaffted when I switched cars mid policy.
I think companies that specialise in modified cars, should have staff that understand them.
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Jun 21, 2015 20:01:59 GMT
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No reply Dan at af?? Not good reading is it and it's not just here, it's widespread across the classic car scene, seems a shame really because a few years ago the customer service was superb, I paid up the 70 quid just to save the hassle but in all honestly af stole that money, lesson learned and judging by the feedback here so have many others
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Fraud owners club member 1999 Jaguar s type 1993 ford escort
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matto
Part of things
Posts: 222
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Jun 21, 2015 20:51:50 GMT
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I've used them a couple of times over the years and have generally found them more awkward and difficult to deal with than other companies. I wouldn't have used them again but they do tend to offer insurance for vehicles that other companies don't want to touch.
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Paul
Posted a lot
Posts: 1,907
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Jun 21, 2015 21:06:47 GMT
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My experience is mixed...for 2 years I went thru HIC (which are now a branch of AF) to insure my Mk2 Golf with an ABF engine conversion and they KEPT calling it a Mk3. Because I guess that's where the engine came from. Glad I never made a claim.
On the flip, HIC insured my old Merc and I did make a claim...as broker they insured me thru Equity Red Star who, eventually, paid out a fair sum. So when it came to the crunch their service was as described. No more, no less.
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tdk
Part of things
Posts: 958
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I've been with Flux for years. I like the fact they have a UK call centre and the prices are OK, but I've never had to claim and I seem to read lots of stories of bad experiences with them.
Anyway, perhaps a Moderator could kill this thread, it's full of bad karma. It started as an advertorial kind of post anyway.
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Dez
Club Retro Rides Member
And I won't sit down. And I won't shut up. And most of all I will not grow up.
Posts: 11,714
Club RR Member Number: 34
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the thing is, flux are just a broker. all you are essentially buying from them is their customer service package. all other products and services are supplied by a third party, and are nothing to do with flux. they're the equivelent of a double glazing salesman, they get the third party a sale and take a cut for doing so. they don't offer any special policy you cant buy elsewhere, as all brokers go to the same selection of underwriters to get the actual policy. they may be able to negotiate some discounts for bulk selling, or are prepared to take a smaller profit if they're a large company, but your contract with the underwriter is no different.
for the types of car we're talking about here(classics and modified classics), I'm fairly sure I'm right in saying theres only really 3 underwriters in the country who cover such things- markerstudy, equity red star, and highway.
when i am comparing polices offered, i will ask who the underwriter is for each. its amazing how uncomfortable some brokers are telling you this! the policy invariably ends up being from the same underwriter and pretty much identical, as underwriters tend to favour certain types of car, certain postcodes, and a certain driver demographic. so when each brokers call centre operative runs the numbers you give them through the computer, its always going to come back with the same underwriters policy- providing that broker offers that particular underwriters products and services. any price variation coming in as a result of the broker and their add-ons and fees.
so when choosing your broker, the customer service experience should really be high on your list of demands, as its all that that particular broker is offering over a competitor. i have had to go through the claims process recently, and if it wasnt for the exemplary customer service offered by my broker, i think id still be stuck in the middle of a right mess with it now.
when buying insurance, you really should be hoping for the best and planning for the worst. if they cant even manage to offer a good customer service experience before they've had your money, the chances of them doing it once you're paid up are pretty much nil.
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Last Edit: Jun 22, 2015 9:06:17 GMT by Dez
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slater
Club Retro Rides Member
Posts: 6,390
Club RR Member Number: 78
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Jun 22, 2015 13:59:12 GMT
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Flux obviously get a bigger cut from ERS too as thats all they ever offer me.
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Jun 23, 2015 12:49:22 GMT
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Hi guys,
First of all thank you for taking the time to reply - I'm obviously not happy to see that a few of you have had bad experiences with ourselves.
I'm keen to look into any issues if any of you would like to PM me your details and some information on what has happened.
We take these comments on board and will always try and prevent repeat occurrences, we'll hold our hands up when we've done wrong and will look to correct things.
I cannot discuss specific policies on an open public forum but will happily investigate individual cases via PM. We, as any large company do make mistakes and will do our utmost to rectify these, although we do have thousands of completely happy customers who have been with us for years.
Thanks again and apologies
Kind regards, Dan.
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vanpeebles
Part of things
I am eastbound in pursuit of a white Lamborghini, this is not a recording.
Posts: 978
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Jun 23, 2015 13:07:22 GMT
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A lesson I'm learning at the moment is that Flux are appallingly bad. Might be fine for price but making claim is a nightmare, a random collection of letters from random unheard of insurance companies which drop through your letterbox with no introduction and no one is interested in fighting your case even when it's not your fault. Terrible experience, still on going over four months later. AVOID!! Absolute garbage.
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Jun 23, 2015 13:27:28 GMT
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I have had insurance with AF in the past and they had by far the best price, I've never had the misfortune to need to make a claim and after reading this thread, I am eternally grateful for that fact. What did annoy me was when I moved house mid policy from inner city Wolverhampton to very rural Shetland and when I told them of the address change I was told that the premium would remain the same ?!?!?!? Also had a right faff getting all the mods listed correctly on the policy, phoned and told them several times only for the paperwork to be wrong, I ended up putting it all in writing and then phoning AGAIN to check through the list before they sent out yet more paperwork.
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Jun 23, 2015 16:25:11 GMT
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everytime i get from you ,you are £100's dearer than anyone else.
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Jun 23, 2015 16:26:34 GMT
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You have a pm Dan and thanks for replying to the this
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Fraud owners club member 1999 Jaguar s type 1993 ford escort
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Jun 23, 2015 22:08:56 GMT
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Hi guys, First of all thank you for taking the time to reply - I'm obviously not happy to see that a few of you have had bad experiences with ourselves. I'm keen to look into any issues if any of you would like to PM me your details and some information on what has happened. We take these comments on board and will always try and prevent repeat occurrences, we'll hold our hands up when we've done wrong and will look to correct things. I cannot discuss specific policies on an open public forum but will happily investigate individual cases via PM. We, as any large company do make mistakes and will do our utmost to rectify these, although we do have thousands of completely happy customers who have been with us for years. Thanks again and apologies Kind regards, Dan. There's a similar thread to this on Piston heads only its 20 odd pages long and from the look if it theres seems to be a lot of unhappy people on there with the same problems as above. The reply form I,Flux is the same almost word for word as you have said here. Are you the same person?
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Last Edit: Jun 23, 2015 22:09:51 GMT by bababoom
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Jun 23, 2015 22:29:03 GMT
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After spending hours on the net and phone today I was beginning to get the impression that my new ride would have to be given up on. Then as if by magic a shopkeeper appeared in the form of Nicci from A Flux, ten minutes later the new car is insured for half the price of the 15 other quotes I had. Time will tell the rest....
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New cars. Who needs em.....
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