DAN@ADRIAN FLUX
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| posted on 17/3/14 at 01:23 PM |
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quote:
Originally posted by 40inches
quote:
Originally posted by DAN@ADRIAN FLUX
quote:
Originally posted by 40inches
My wife was "involved" in a no fault accident. Her car had a load of steel bars dropped on it while it was parked
She was charged an extra £30 on renewal, because, according to Swift insurance even if you are involved in a no fault
accident, you are very likely to have another one??????????????? 
Did she claim on her own insurance for the damage or did the place where the steel bars pay for the damage. If she claimed on hers it would have been
a fault claim (even though it wasnt really her fault) - this is due to the insurer having to pay out. Not really sure why they would charge extra £30
for a non fault claim (im guessing the only claim you have on file) Was the £30 definitely for the claim? Maybe a bit harsh to advise you that you are
more likely to have another claim after what actually happened in the claim but every company works differently.
Regards
Dan
The other party insurer paid up, a witness took the reg number and the driver left a note under the windscreen.
Swift said it was statistically proven that she was likely to have another non fault accident, she hasn't 6 years on.
It goes without saying Swift didn't get her custom.
Yeah not really sure on this then, seemed a little harsh
Dan
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johnny chimpo
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| posted on 17/3/14 at 09:11 PM |
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Dan, do you have a contact number as I have a matter I would like to discuss.
Feel free to U2U if it's easier.
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owelly
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| posted on 17/3/14 at 09:35 PM |
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I have good and bad stories with AF but the same can be said for the other popular brokers. 2gether gave a a good quote but when the policy came
through, there were a few things wrong. They wanted more money to amend it, or they could cancel the policy but only refund a fraction of the
premium.
So, for these reasons, I 'phone all the brokers each year and compare. It's a shame really because I often end up with my four vehicles
with four different companies!! You'd think that there would be some reward for loyalty.
Anyhoo, well done Dan for poping in here. I used to 'see' you over on SBMCC but I rarely go there any more.
http://www.ppcmag.co.uk
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trextr7monkey
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| posted on 18/3/14 at 01:02 AM |
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Hi Dan thanks for reply to my original post. My only concern is that if we ever claim for somerhing which we have done then the no fault / no expense
items logged suddenly contribute to extra premiumsM
Another issue from Admiral was my son changed his car to a smaller engine lower performance car again not supercars it was a. Fiat to a polo and the
premium requested went up! Apparently statistics clearly demonstrate that whenever you change your car you are more. Likely to bé involved in an
accident again we seem to bé living in the land of the emperors new clothes here as I have not read any articles anywhere about never buy a new car
because you will crash it!
Atb mike
http://www.flickr.com/photos/14016102@N00/ (cut and paste this dodgey link)
Our most recent pics are here:
http://s129.photobucket.com/albums/p211/trextr7monkey/
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DAN@ADRIAN FLUX
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| posted on 18/3/14 at 07:10 AM |
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quote:
Originally posted by johnny chimpo
Dan, do you have a contact number as I have a matter I would like to discuss.
Feel free to U2U if it's easier.
Hi
PM me your details and what you need help with and I can arrange a callback for you
Regards
Dan
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DAN@ADRIAN FLUX
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| posted on 18/3/14 at 07:13 AM |
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quote:
Originally posted by owelly
I have good and bad stories with AF but the same can be said for the other popular brokers. 2gether gave a a good quote but when the policy came
through, there were a few things wrong. They wanted more money to amend it, or they could cancel the policy but only refund a fraction of the
premium.
So, for these reasons, I 'phone all the brokers each year and compare. It's a shame really because I often end up with my four vehicles
with four different companies!! You'd think that there would be some reward for loyalty.
Anyhoo, well done Dan for poping in here. I used to 'see' you over on SBMCC but I rarely go there any more.
Hi Owelly
Any problems or anything you need just PM me
Dan
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theduck
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| posted on 18/3/14 at 07:23 AM |
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Mike, don't forget model specific claim history has a big impact, especially for younger drivers.
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DAN@ADRIAN FLUX
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| posted on 18/3/14 at 07:27 AM |
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quote:
Originally posted by trextr7monkey
Hi Dan thanks for reply to my original post. My only concern is that if we ever claim for somerhing which we have done then the no fault / no expense
items logged suddenly contribute to extra premiumsM
Another issue from Admiral was my son changed his car to a smaller engine lower performance car again not supercars it was a. Fiat to a polo and the
premium requested went up! Apparently statistics clearly demonstrate that whenever you change your car you are more. Likely to bé involved in an
accident again we seem to bé living in the land of the emperors new clothes here as I have not read any articles anywhere about never buy a new car
because you will crash it!
Atb mike
Sorry I’m not entirely sure what you mean on that last post. A settled non fault claim shouldn’t effect your insurance but if you have a claim that is
outstanding or settled fault it will, you will have your no claims bonus stepped back and the insurer will want some sort of claim loading. On your
sons car it all depends what the insurers had to offer at the time, they may have being on a scheme with offers discount for a Fiat but generally VW
do seem a little higher in insure for young drivers. When you change a vehicle on a policy you will be losing the “owned discount” as long as its over
a year you had the previous car, statistics do show that the longer you have owned the vehicle the less likely you are a claim, may seem a bit mad but
it is worked out across the industry over the last so many years.
Regards
Dan
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daveb666
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| posted on 18/3/14 at 02:49 PM |
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Dan,
I'm currently with AF for my kit car policy. I have full NCB (around 8 years iirc) but this is not currently being "used" for my
current policy as apparently my NCD wasn't needed.
My other car is a company car so my own NCB is irrelevant for that - are there any of your insurers who will take into account my NCB for my renewal
next year to ensure I don't use it? Otherwise I'm going to have a buy a bloody car just so I don't loose my NCB which seems silly.
2007bc Photography - Commercial and Wedding Photographer based in West Yorkshire
http://www.2007bc.co.uk / http://www.huddersfieldcommercialphotographer.co.uk
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jacko
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| posted on 18/3/14 at 05:50 PM |
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quote:
Originally posted by jacko
Hi Dan
I have just seen this link
http://www.locostbuilders.co.uk/forum/51/viewthread.php?tid=189516
And wondered how we prove that we are members of this site when we ring you
I don't have a club card or any thing for Locost builders
It will be interesting to see what A/Flux renewal will be this year
All the best
Jacko
For Dan's attention you have not answered this yet
Thanks
Jacko
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steve m
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| posted on 18/3/14 at 07:12 PM |
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A generic question for an insurance qualified person
In my household I am the only driver, and have two cars, a diesel mondeo and my 7 why do I have to have two insurances running to cover two cars when
at any time, I can only drive one car
My assumption is based on that the highest risk factor is the person driving, and not what car that person is driving
and to be honest, I am probably a better driver, driving the 7 as its quite vulnerable on the road than an enormous lump of steel like a mondeo
just a question
regards
steve
Thats was probably spelt wrong, or had some grammer, that the "grammer police have to have a moan at
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trextr7monkey
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| posted on 18/3/14 at 08:53 PM |
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quote:
Originally posted by theduck
Mike, don't forget model specific claim history has a big impact, especially for younger drivers.
Yes aware of that but car with smaller engine lower power was meant to bé in lower risk category it had better safety rating etc too and everything
else being equal it didn't seem unreasonable to expect it to bé cheaper!
Interesting thread this one
Atb mike
http://www.flickr.com/photos/14016102@N00/ (cut and paste this dodgey link)
Our most recent pics are here:
http://s129.photobucket.com/albums/p211/trextr7monkey/
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DAN@ADRIAN FLUX
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| posted on 19/3/14 at 08:06 AM |
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quote:
Originally posted by jacko
quote:
Originally posted by jacko
Hi Dan
I have just seen this link
http://www.locostbuilders.co.uk/forum/51/viewthread.php?tid=189516
And wondered how we prove that we are members of this site when we ring you
I don't have a club card or any thing for Locost builders
It will be interesting to see what A/Flux renewal will be this year
All the best
Jacko
For Dan's attention you have not answered this yet
Thanks
Jacko
Sorry missed this one out, Best thing to do is to give them the forum of where your from and also your username, If you PM me on here I can update
your file with this. We normally ask for your club number or club card and chase for it for up to 20days after you take out a policy but as I said
just PM me and I will stop this chaser for the proof of your owners club.
Dan
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DAN@ADRIAN FLUX
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| posted on 19/3/14 at 08:10 AM |
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quote:
Originally posted by daveb666
Dan,
I'm currently with AF for my kit car policy. I have full NCB (around 8 years iirc) but this is not currently being "used" for my
current policy as apparently my NCD wasn't needed.
My other car is a company car so my own NCB is irrelevant for that - are there any of your insurers who will take into account my NCB for my renewal
next year to ensure I don't use it? Otherwise I'm going to have a buy a bloody car just so I don't loose my NCB which seems silly.
Hi
PM me your customer reference number or surname and postcode so I can check your file, also if you can find your proof of no claims and how many years
you have and when it expires I can leave a note on the file to look into this on renewal, when we do the renewal they will ask for this to be sent in.
It may be the case with can offer a policy that will use your NCB but maybe more likely that we will have a Scheme that will just keep it up to date
so you wont have to worry about losing it.
Regards
Dan
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DAN@ADRIAN FLUX
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| posted on 19/3/14 at 08:22 AM |
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quote:
Originally posted by steve m
A generic question for an insurance qualified person
In my household I am the only driver, and have two cars, a diesel mondeo and my 7 why do I have to have two insurances running to cover two cars when
at any time, I can only drive one car
My assumption is based on that the highest risk factor is the person driving, and not what car that person is driving
and to be honest, I am probably a better driver, driving the 7 as its quite vulnerable on the road than an enormous lump of steel like a mondeo
just a question
regards
steve
Hi
We can have a look into offering a multi car policy so both vehicles will be covered on the same policy but we don’t generally offer this on these
sorts of cars, say if you had two kits we could offer a multi car but not normally a mix, but as we are a specialist insurer we would be more than
happy to look in to it for you. Every risk is different but kit cars do tend to be fairly cheap to insure on their own so this may also be a case why
it wouldn’t be worth having them both on the same policy. On insurance its not just the person it is based on it is everything you add onto the
quotes (occupation, address, car grouping, car value, age, storage ect).
Regards
Dan
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owelly
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| posted on 2/4/14 at 11:59 PM |
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Dan, just for your information:
I phoned AF twice on Tuesday and asked to speak to you but was told that you were unavailable. The 'phone operatives were less than helpfull so
I ended-up taking my business elsewhere.
http://www.ppcmag.co.uk
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DAN@ADRIAN FLUX
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| posted on 3/4/14 at 10:03 AM |
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quote:
Originally posted by owelly
Dan, just for your information:
I phoned AF twice on Tuesday and asked to speak to you but was told that you were unavailable. The 'phone operatives were less than helpfull so
I ended-up taking my business elsewhere.
Hi
Sorry im not normally availible on the phone, if im not on the forum I would of been in a meeting or on tuesday I did leave off early.
Please PM me your details and I can see what I can do with the members of staff been unhelpful, I am sorry about this.
Regards
Dan
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matty h
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| posted on 29/5/14 at 12:59 PM |
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Dan I have sent you a question via a pm.
Matty
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daveb666
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| posted on 10/7/14 at 08:09 AM |
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u2u sent Dan.
2007bc Photography - Commercial and Wedding Photographer based in West Yorkshire
http://www.2007bc.co.uk / http://www.huddersfieldcommercialphotographer.co.uk
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