Insurance (uk)

For help finding/discussion about good insurance rates.

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Re: Insurance (uk)

Postby par » Wed 11.04.2018, 23:26

Thanks for the responses.

Footman James were quite a bit off the mark, not sure if it is me they dont like or the mods :D

Got a quote for £91 from Flux Direct based on 3000 miles so snapped it up.

Performance Direct were not too far behind and would have been happy to go with them also, was insured with them until recently on an imported Honda CRX with lots of modifications.
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Re: Insurance (uk)

Postby clemo » Thu 12.04.2018, 17:08

par wrote:Thanks for the responses.

Footman James were quite a bit off the mark, not sure if it is me they dont like or the mods :D

Got a quote for £91 from Flux Direct based on 3000 miles so snapped it up.

Performance Direct were not too far behind and would have been happy to go with them also, was insured with them until recently on an imported Honda CRX with lots of modifications.



Hi Par ,
Did you get agreed value and buy back option ?
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Re: Insurance (uk)

Postby par » Thu 12.04.2018, 19:07

I have the forms to fill in for the agreed value.

Certainly recall discussing the buy back option although that may have been with Footman James.
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Re: Insurance (uk)

Postby Rusty Wishbone » Thu 12.04.2018, 21:29

I've insured through the broker Greenlight for the last few years as they specialise in modified cars. The insurance was for full business use, and cost about £350.

On another car I insured recently, I used Adrian Flux, whose cost was competitive, but the clincher was paying an extra £20 to drive anyone else's car fully comp. Very handy.
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Re: Flux Direct

Postby simonbuk » Tue 24.04.2018, 12:03

Is the Flux one a classic car policy ?
Do you have to have a 'normal' car as well for every day driving ?
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Re: Flux Direct

Postby Rusty Wishbone » Tue 24.04.2018, 22:07

I like Flux/Adrian Flux. Their prices seem to be good, and for about £20 extra you are insured comprehensively to drive any other person's car. Also, you can add agreed value insurance for a small extra amount.
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Re: Flux Direct

Postby Kathryn » Wed 25.04.2018, 00:06

I’ve just renewed with Adrian Flux. Not as cheap as that, but I’m happy.
Daily driver, SDP + commuting, breakdown, mileage 10000 (nearly went over year before last when I had limited at 6000, apparently it goes up in increments, 7-10k was the same cost so he put it at 10k!).
And once I’d provided proof it had been settled my third party non-fault claim didn’t affect the price! :D When I’ve cleaned her next week I’ll get and send off the agreed value form (cost £15).

Simon, I only have one car now. It’s on a roadster policy rather than a classic. I was able to transfer my no claims too. :D
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Re: Flux Direct

Postby Saltire » Wed 25.04.2018, 13:42

I’ve just switched to Flux following the recommendations. S2, 5,000 Miles, SDP, no accidents or convictions, IAM member, self and wife insured, rural postcode, age 63. Includes breakdown cover, legal expenses, agreed value and salvage rights, drive any other vehicle on a comprehensive basis. And the answer is . . . . . £242 and change. Not bad, I suppose, although I’d hoped for better.

What really annoys me about car insurance is that I had to spend 40 minutes on the phone sorting it out. Why is it so hard?And why do we have this stupid law which says they have to read out all the small print to you on the phone? I guess Flux are no worse than all the other parasites who sell insurance, but I do wonder what I would have to do to get a lower quote. £242 for one classic doesn’t compare well with £450 to cover both the modern BMWs for twice the mileage each.

Grrrrrr . . . :evil:
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Re: Flux Direct

Postby simonbuk » Wed 25.04.2018, 15:54

Yes crazy isn't it. Just phoned Flux, went through all the crap and then ' sorry we can't be competitive but we know somebody who can and they are standing by, would you like me to put you through ?'
Me - OK.
New person 'Hello, can I take some details ?'
Me - Yes (goes through all the crap again).
New Person 'Right, I'll just put you through to somebody who can help'
Me - OK.
New Person2 - ' Hi, how can I help?'
Me - erm, I thought you were going to give me a quote ?
New Person2 'Sure, I can do that. Can I take some details please - is it a car?'
Me - I've just given all my details for the second time?
New Person2 - ' I haven't been given anything, I can go through it with you ?
Me - No you can't.

What a waste of time. Very weird.
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Re: Flux Direct

Postby simonbuk » Wed 25.04.2018, 16:20

Just had a call from somebody from 'Bewiser' - apparently one of the people i was talking to earlier. Persisted with it and they then put me through to somebody else.
Didn't catch the name of yet another company but they said they would try hard to help as i was now pissed off.
After a little time with them they said that the company that might be able to give a competitive quote was ..........Adrian Flux !!

What the fcuk is going on ??!! They seem to pass you onto another price comparison company who in turn do it again ??

My Admiral renewal came down from 246 to 206 so i'm just going to let it renew, just can't be fcuked with these morons.
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Re: Flux Direct

Postby Saltire » Wed 25.04.2018, 17:59

My BMWs are through Admiral, and I have to say they’ve been excellent once the pain of getting the quote is out of the way. I’ve never claimed, but I had the Boxster with them, and the breakdown recovery was faultless when it threw a tyre on the M4 (don’t get me started on tyre sealant :evil:)

I must have insured 30 plus cars over the last 40 years, and I’ve never yet found t to be anything other than a painful experience. And it doesn’t have to be so: PetPlan have been fantastic with our dog, and he’s had a malignant melanoma and Cushings disease over the last three years. Paid up without a murmur, within 10 days, and great to deal with on the phone. If only they did car policies . . .
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Re: Flux Direct

Postby clemo » Mon 07.05.2018, 10:07

£269 internet price not a call us for cheaper quote .
5000 miles SDP , no accidents claims convictions SS exhaust declared . Garaged £15,000 agreed.

not spoken about buy back .

Didn't think this was a bargain price but nothing to compare it with yet.
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 10:20

Flux Direct & Adrain Flux both closed today . Bank holiday Monday and quotes not available to buy online Call only ...
Moves on to the next ones .
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Re: Flux Direct

Postby Saltire » Mon 07.05.2018, 10:34

Well . . . I’ve now gone with Flux for the next year, albeit with some misgivings. The price and policy cover was pretty good; the people and the documentation are pretty poor. I had had a couple of minor issues with Routen Chaplin, who had the business for the last two years, which is why I was looking around, but I’ll probably go back to them next year.

Customer service? Could do better!
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Re: Insurance (uk)

Postby Saltire » Mon 07.05.2018, 10:37

Rusty Wishbone wrote:On another car I insured recently, I used Adrian Flux, whose cost was competitive, but the clincher was paying an extra £20 to drive anyone else's car fully comp. Very handy.


Well, yes, but . . . It only covers you up to £20K. So don’t even think about driving that D-type Jaguar you’re considering to replace the Elan :?
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Re: Flux Direct

Postby dapinky » Mon 07.05.2018, 10:42

No idea of Flux, but my renewal has just landed on my mat (well, it did on Saturday) from Footman James.

It has gone up a few quid from last year, but still comes in at £165 (Agreed value, salvage retention with no excess to pay, spare parts kept at home and one other 'add-on' which i can't remember) - oh yes, all Mods declared (and there were quite a few, as I told them about everything which is non-OE as opposed to just 'performance' ones).
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 10:43

2gether Broker .. speaking to them now . 01945 465508 Emma.

£15,000 value . S/S exhaust and hi spec's .. 3000 miles SDLP . Garaged . Me 42 & Mrs 41 .
Asking about salvage retention .. yes . legal £100,000 90 days european , windscreen up to £600 personal accident up to £5000

Excess = £150

highway = Liverpool Victoria
Total Price = £221.29

ref 416719

They also searched KGM £250-£260
Salvage retention limits the companies that insure.
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 10:49

Trying performance direct now , but annoyingly its on a small live chat box thing.

Time wasting ... having provided info now can't quote over live chat

Now on a direct call .

£15,000 value . S/S exhaust and hi spec's .. 3000 miles SDLP . Garaged . Me 42 & Mrs 41 .
Asking about salvage retention ..NO. NO legal (+£30) 90 days european , windscreen up to £600 (excess £75) personal accident up to £5000

Excess = £150

Policy with Market study classic car .

Total Price = £135 or £165 with legal

Ref M30621947214
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 11:59

Footman James. Anne

£15,000 value ( +£10). S/S exhaust and hi spec's declared .. 3000 miles SDLP . Garaged and driveway . Me 42 & Mrs 41 .
Full salvage retention (+£15 = Nil deductions of car write of value ) +£2000 spares = £15 or £5000=(+£25) . Arc Legal protection (+£25) .
35 days European cover , windscreen £75 excess . Personal accident up to £5000. No charge for pending Number plate change.
Club Lotus discount given.

Excess = £100
Ageas insurance

Total Price = £338.72
with club lotus discount = £212.53

Send mileage and club membership details.
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 12:15

Taken Footman James as of 12:15 on cover.
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