Club-discounted 4x4 Insurance from Adrian Flux...

[jims-terrano]

I've given them two tries at insuring us. Once a few years ago and a the most recent last week for the project truck. Can't get quotes anywhere near as low as yours Harlowmav. Made no difference when I spoke to the lady on the phone when I mentioned the club or Dan. Have been incontact with Dan via PM.

Ended up being easier going to DirectLine for not a lot more with a lot more cover. Didn't have the time or enthusiasm to do battle for went with DL.

Maybe next year:nenau

 

[zippy656]

Just doing mine. Saying a bit on normal quote

 

[RJL Services]

i to have found adrian flux too dear on a quote when i asked i was told they no longer deal with the 4x4 underwriters they had in the past to offer the low deals any more

 

[Barrbeast]

I had to get Dan on the case this year to get a decent renewal price as the intial offer was shocking.

I've liked my time with Adrian Flux but I'm not sure I'll bother with the fight again next year if I get more of the same come renewal :nenau

 

[macabethiel]

Refused Insurance is a complicated term.

They're only any good though, if you do a low mileage in the car, for people that mod, and have the car as their main vehicle, they can't help. In the end, I had to got the Elephant.co.uk who have been so helpful.

Worst still, once you have been to them for a quote, and they have refused to insure you as in my case, I did more than 6000 miles, it put's your insurance up when you go to other places, and they ask if you have been refused insurance...

So do be careful if you go to them for a quote.

To be "Refused Insurance" is a legal term that as I understand it means you have an Insurance Provider (or Cover) and "you have made a claim but the Claim has been Refused".e.g. Because you have not declared a Conviction, Disqualification, or made a false declaration in your application etc

It does not mean that an Insurer has declined to offer you cover when applying for a quote

 

[emjaybee]

You haven't been refused insurance, as macabethie correctly says, they've just been unable to provide a quote for your vehicle as it doesn't fall in the parameters of their business. Refused insurance is when they look at all your history of insurance, and your driving record, i.e. fifteen crashes in 10 years, nine penalty points and just coming off a 2 year ban.

As for getting a good quote,the answer is constructive lying.

Tell the truth about your vehicle, your insurance history and your driving record.

ALWAYS do two or three comparison websites, once your details are in its a lot quicker in subsequent years, find the cheapest quote, don't worry about the exact cover details at the moment. Go to your current company and tell them you've found a quote that is £25 cheaper than the cheapest one you saw and ask them if they can match it. If they ask if the cover is the same as theirs say yes. If they match it then you are golden. If not, find the cheapest quote from your search which gives the cover you require and PHONE them. Tell them you'd like to go with them but, "could you do any better on the price? " They may reduce it further, or not. 50% of the time I've had a further reduction.

Does it work?

I have a 3year old MB Sprinter, full comp, protected NCB, wife and I, 6k miles per year, £138.00.

The truck, same boundaries, £145.00 per year.

I've managed to get my insurance lower EVERY year since 2000. Sometimes only by a quid or two, but always lower.

:thumb2

 

[Fez_uk]

Anyone tried to contact Dan recently? need a van quote but he's been online last around 6 months ago! Anyone have a direct email for him??