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naga

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  1. I'm really disappointed with Adrian Flux. I have a DR10 and also a criminal conviction (not fraud, theft or anything like that). Last year I had to really shop around for insurance as it was my first cover coming back from the ban that came with the DR10, got insurance through Premium Choice though and it was £750. The renewal with Premium Choice this year is £660 but I still decided to shop around as you do. So among all the places I tried I filled in all my details with Adrian Flux having heard how good they're supposed to be at insuring various "difficult" to insure people/vehicles and waited for a quote, which arrived the next day - £543. Brilliant I thought. So I ring them up to go through the process with the intent to buy. First I had nearly 15mins on hold waiting, but then when I get through and give the guy the reference he says "so what do you want to do?". Strange. So I say "well your email said it was a provisional quote and it might be reduced by 'upto a further 20% for 70% of drivers' if I call....". So he starts to go through the details to see if there's anywhere they can shave a bit off the price. At this point I'd have been over the moon at the £543 quoted since it was £120 less than my current place. He's doing the questions and basically repeating back what I'd put on the form, right upto the point of the criminal conviction which he says "none". Huh? So I correct him and explain the details, I know no crime is minor and this one was something out of stupidity and at a time I was drinking, being mouthy and booze don't mix in the laws eyes. Anyway he corrects that and re-runs the quotes. Comes back after a few minutes and tells me the price is now £753!! What?! £210 more?? I tell him what my renewal is and he puts me on hold to "go talk to a supervisor", comes back and says nope, that's the best they can do. I ask him why I was quoted £543 and he says that, for some reason the person who took the original details didn't include the criminal conviction when they'd prepared the quote. Now, the worrying thing is, when I first rang he was quite ready to just take a payment from the sound on him, which would have obviously resulted in me being sold insurance that wouldn't have been valid :-/ I'm really pee'd at this and that a conviction which would have no impact on car insurance somehow justified increasing the premium by nearly 40%. The DR10 was the first and only driving conviction I've ever had in 26yrs of driving, during which I've had one insurance claim back in 1996 when my car was stolen (so not my fault) and the stupid criminal conviction, again the only one I've ever had in 43yrs of being alive, can somehow justify trying to rip over £200 more out of me. It's little wonder that you see so many people with no insurance who have any sort of previous convictions, because the insurers either make it impossible or become a complete rip off.
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