Adrian Flux Car Insurance Review

AN INDEPENDENT REVIEW OF ADRIAN FLUX CAR INSURANCE





CAR INSURANCE COMPANY: ADRIAN FLUX
Website: http://www.adrianflux.co.uk

Type: Adrian Flux is an Independent Insurance Broker offering a complete range of car insurance products including specialist car insurance, classic car insurance and motor insurance for every type of vehicle and driver in the UK.

We asked a large team of people to visit the Adrian Flux website and report back to us about how easy it was to use and whether the website offered all the car insurance services and covers they required as customers.

Our Car Insurance review team consisted of a wide cross section of the UK population, car makes and types , occupations and ages; the only common factor was that none of the team had bought car insurance online before.

The object of the car insurance review was to assess the ease of use, availability of online information, and the range of cover options and services offfered by the website; not just to compare car insurance quotes as available from an aggregator.

The Review

Q. Is the car insurance company currently offering any special discounts or offers?
A. No

Q. Is telephone help readily available from the webpage?
A. Yes there is a contact page with email and building addresses and telephone numbers.

Q. Is there a claims section readily accessible?
A. Yes.

Q. Was it easy to find the quote page?
A. Yes very easy, and you were offered a phone option first so as to use an advisor.

Q. Was there an option to recall a previous quote?
A. Not obvious when you enter the site.

Policy Restrictions?

Q. Are there any restrictions to getting a quote?
A. No restrictions, Flux claim to be able to cover everybody.

Q. What are the minimum and maximum ages?
A. Minimum age is 17 but there is no maximum. Older driver schemes are available.

Q. Do they cover all professions?
A. Yes, they can cover professions that others will not touch such as Publicans, Footballers and Entertainers, who are perceived as high risk.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. All can be covered although you have to specify your modifications.

Q. Do they cover Northern Ireland (NI)?
A. Yes

Q. Are drivers with convictions covered?
A. Yes, drivers with both motoring and or other convictions can be covered.

Q. How many claims in the last three years are allowed?
A. There is no limit to previous claims and you can even be covered if you have had insurance previously refused.

Quote Data Collection - Get a Quote




Q. How many pages are there before you get a quote?
A. One quick simple form.

Q. Does the application find your address easily from the postcode?
A. It does not display your address after your post code

Q. What is the maximum number of NCD years allowed?
A. 9+

Q. Can you protect these?
A. Yes for an additional premium?

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. The Registration Number is not asked for to provide a quote.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. No choice was provided.

Q. Was the quote process easy to understand what the questions wanted? – Were there help boxes?
A. No help boxes, but straight forward enough questions to answer

Q. Were all the questions necessary?
A. Yes it appears so.

Q. Could you change things like voluntary excess to get a requote
A. No

Q. How long did it take to get a quote?
A. The question took only a couple of minutes but your quote is emailed to you and that took much longer.

Q. How many quotes were returned?
A. 1

Q. Do the quotes offered have different levels of cover?
A. No, you choose the cover you require on the form questionnaire.

Q. Can you go back and requote?
A. No

Q. Cover – did you understand the levels of cover you were getting?
A. There was no description of cover levels online

Q. What additional covers were offered eg Breakdown cover, glass cover etc?
A. Additional benefits such as legal and breakdown cover are available as an additional option and details can be provided upon confirming a quotation by telephone.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. No

Q. What payment methods are available?
A. All payment methods are available. Immediate cover is available subject to a payment. Monthly instalments are also an option and details can be provided upon confirming a quotation by telephone. Payments can be made by Mastercard, Visa, Switch or Solo cards.

General Thoughts and responses!

Q. How did you find the navigation? Was it easy to move around?
A. The site was easy to use

Q. Did you like or dislike this site? Why?
A. The site was visually unappealing and slow in emailing your quote. Many users didn't understand that the quote was being personally prepared by a human and were expecting an online response.

Q. Was the Website quick or slow?
A. Quick to collect the information but slow in returning the quote. Some respondents complained they had to wait 25 minutes to receive a quote!

Q. Was the site easy to use?
A. Very Simple.

Q. Were the Quotes competitve?
A. On average the quotes were the most competitive returned for the range of vehicles tested. When provided with previous quotes offered by others inlcuding the major aggregators, Flux managed to come up with better offers on nine out of ten occasions. Many were surprised by the fact that going to a broker can be cheaper than visiting a price comparison site and you receive the benefit of humans at the other end of the phone!





Q. On a scale of 1 to 5 , 1 being hard to use and 5 being very easy - how would you rate the Adrian Flux car insurance site?
A. 4 - very simple to use but frustrating if you were waiting for a quote. Many suggested that perhaps the phone option is faster.

High Performance Car Insurance Schemes Compared

If you own a high performance car there are quite a few prerequisites that you'll probably require of your cover, for example, being able to choose your manufacturers approved repairers and only using authentic replacement parts should you be unfortunate and need to claim.
And there is the cost.....
That's why at Car-Insurance.Tv we have brought together all the leading UK high performance car insurance schemes into one place where you can compare prices, schemes and purchase policies, specifically designed for high performance cars.



Save time refilling in the same information when you compare over 80 specialist high performance car insurance schemes for your particular car.


Compare Car Insurance from hundreds of specialist car insurance schemes.

Garage Your Car for Large Car Insurance Premium Savings

Put your car in a Garage and keep your Car Insurance premiums down and your money in your pocket!

Whether you own a Bentley or a Banger, everyone is always looking for ways to save money and reduce their car insurance premiums and buy cheap car insurance.

One sure-fire guaranteed way to get an instant discount of up to ten percent or more on the cost of the car insurance, is to keep your car locked up overnight in a garage.
If your car is insured under a specialist car insurance or classic car insurance policy, the garaging option will bring additional security discounts and savings.



It might be a pain putting it away everynight but it will be worth the savings.

Similarly garages don't have to be ugly anymore as these images from a German based Pimp My Garage company demonstrate.
Style-Your-Garage.com offers customers the chance to 'pimp their garage' with unique 3D designs for their doors.

So if you own an MG, and have MG Classic Car Insurance with us, why not go the full set and have a photo of your MG brightening up your life while staying safe and secure in your garage.






The Official MG Classic Insurance Scheme

Exclusive cheap MG classic car insurance from Lancaster Insurance with massive discounts for MG owners club members.The official MG classic Scheme - Save £££s!
Category: Cars & Vehicles
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MG Morris MGB MGA Car insurance, classic car insurance

Cheap Classic Car Insurance?

If you own an older motor you may qualify to have it covered under a specialist classic car insurance policy. But what are the cover restrictions and is it cheaper in the long term? Our expert Dave Healey Investigates.....

Cheap Classic Car Insurance Cover
By Dave Healey
Do you own a car over fifteen years old? If you do you may well be entitled to cover it under what is known in the industry as a classic car insurance policy. In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

When applying for a classic quote you should be aware of the varying limits of cover and restrictions that may be put on driving the vehicle.
For example many of these policies will only allow you very limited road mileage each year, sometimes as little as 3000 miles per annum.
This is fine if you have an expensive collectors car that is garaged throughout the year and only taken out for the odd cruise or rally.
The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling missold and abandoned.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well.
Many policies are designed to charge by the lifestyle of the insured and as with all car insurance there is a tendency for cover to be cheaper for older persons and women drivers.
Many companies will not issue classic motor insurance to persons under the age of twenty five, although this is changing as well, and there are some very good providers out there who will cover drivers as young as twenty one.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company.
They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.
Shop around for specialist car insurance and Classic Car Insurance. Compare prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

Original Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Cheap-Classic-Car-Insurance-Cover&id=2613741

Car Insurance and Cheap Car Insurance

Specialist Taxi Insurance Review

Motor Insurer Swinton are offering specialist taxi insurance covering vehicles, taxis and limousines used for hire and reward.



Swinton's specialist taxi unit can help any owner driver or company find a competitive insurance quote whether the taxi is used for private or public hire. You can make initial enquiries online and the taxi team will call you back immediately during normal working hours, to discuss your taxi insurance needs and give you a quote.

In addition to black cabs or hackney taxis, Swinton also specialises in cover for MPVs, mini-buses used to carry people for hire or reward.

Cover can be arranged for Companies with a taxi fleet. Swinton has a dedicated taxi team of professional people who concentrate on the specific needs of taxi drivers and companies.

Even the most careful of taxi drivers may be involved in an accident at one time or another. Swinton deals with top UK insurers, many of which have a dedicated one call claims line which is open 24 hours a day for emergency situations.

If you're interested in competitive taxi insurance Swinton could help you save money year after year. Subject to certain terms and conditions, all policies can earn a valuable no claims discount.

Short period taxi insurance policies are also available for drivers wanting temporary cover (subject to a minimum of three months).

The taxi policies available through Swinton offer flexibility covering public liability as well as local authority insurance liability. For a wide range of circumstances, Swinton is committed to finding competitive premiums.

Taxi breakdown cover is also available from Swinton.

Get a Taxi Insurance quote

The Specilaist Car Insurance Website

Diamond Car Insurance - Women Drivers Car Insurance Review

Diamond Women Drivers Car Insurance Review - Car Insurance for Women



Diamond is a specialist female car insurance comapny.
Diamond covers the needs of women drivers, offering them a range of quality benefits and services tailored at good market prices and offering plus a few extras that they claim you won’t find anywhere else!

Diamond has been offering exclusive specialist car insurance for women and lady drivers since 1997 via call centres, and has been providing specialist lady driver insurance quotes on the Internet since 2000.

The online proecess is easy to use with good help and returns a quote in a couple of minutes.

Diamond comprehensive lady driver car insurance policy is packed full of benefits tailored especially for women and includes a Free Courtesy Car, approved repairers, GBP100,000 Legal Protection Cover, Personal Injury Cover, Free Windscreen repair, 24 hour Roadside Emergency Accident Helpline, up to GBP750 of stereo cover, flexible payment options and Free Handbag and contents cover up to GBP300.

While Diamond's comprehensive cover includes all of the benefits that you would expect from a women's car insurance policy, that's not all, Diamond also have exclusive benefits not available anywhere else like the Diamond Best Friends Club where if you sign up online you can receive exclusive offers and discounts straight to your inbox, Child seat cover protects your children's Accessories, Prams, Buggies and Child car seats and you will also become a member of the exclusive Diamond Best Friend's Garage Network where if you are unfortunate enough to need to make a claim, the prices of repairs are regulated and everything can be sorted over the phone, you may never have to deal directly with a garage for repairs again!



Diamond unlike many other women driver car insurance companies in the UK, allows you to include your MALE partner on your motor insurance policy! Beware that they may well be rated as a man!

For useful information on female insurance and female driving tips take a look at Diamond's frequently asked questions and Women's car insurance guides.

Diamond offer an additional 10% extra if you get a woman's car insurance quote online.

Get a Womens car Insurance quote from Diamond

More Lady Drivers Car Insurance and Womens Car Insurance

Specialist Ferrari Car Insurance Schemes

If you own a Ferrari it goes without saying that you require the best car insurance available for your Cavallino Rampante!

If you need to make a claim you wil only want your car repaired by specialist Ferrari mechanics and approved Ferrari garages. It's highly likely that if you skimped on repairs and took your car elsewhere that your warranty would be invalid.



That is why at Car-Insurance.tv we have teamed up with specialist Ferrari car insurance scheme providers to offer specialist insurance cover for all models, old and new!
We offer huge discounts for Ferrari owners club members and cover solutions not available at other Internet outlets including full replacement value coverage. Cover is available for the complete range of models including the F40 and F50 GTs, all GT and GTO models , older Testarossas, the Dino and Enzos, right throughh to the brand new FXX evolution model.

Compare our covers and premiums when you get a specialistFerrari Insurance quote from the UK Ferrari cover specialists!

Specialist Car Insurance Schemes Will Save Classic Car Owners a Fortune!

Specialist Car Insurance Schemes Will Save Classic Car Owners a Fortune!

Despite the recession, perhaps because of the recession more and more car drivers are purchasing the classic car or performance motor they have always dreamed of owning and driving when they were younger. It may have been because they could never afford it, or more likely due to other commitments such as having to purchase a sensible family estate car for the wife and three children, that they are now making up for it - big time!

Times have changed and due to the economic crisis and a change in the attitude of a generation, sports cars and classic cars are all the rage with the baby boomers, who can now be seen driving around town in cars they once pushed around as dinky or matchbox toys when they were little boys and girls.

Those big kids who would once maybe invest in shares on the stock exchange are now putting their investments into tangible property, and classic cars and performance motors have become the investment collectors portfolio of choice. Consequently as demand for expensive cars rises, the supply of car insurance responds, and there are now some excellent money saving opportunities on the market that were only available to a privileged few before the advent of online underwriting.

For those of us who have eventually realised our dreams and secured that prized classic car or souped up modified sports car we always wanted, it is important to protect it with a comprehensive policy from an independent insurance specialist.

Specialist car insurance providers will save you money by presenting to you unique cover options, which have been specifically incorporated into the policy wording for your specific vehicle.

These bespoke policy types are known as classic car insurance schemes and are often initially drawn up by an underwriter, in request to a large pool of insurance presented by a classic car club club or society. Each manufacturer will have multiple members clubs and there may be many schemes for a particular car model.

Hence the policy wordings of classic motor and sports car insurance schemes often contain elements that are specific to a particular car make, type and model. These schemes often include additional benefits, such as helplines and approved specialist repairers who are on hand as part of the claims package.

Specialist car insurance schemes also provide cover for high performance, prestige, classic or sports cars in particular, and you could certainly save money by taking out a policy from a scheme associated with your car, rather than standard motor insurance from a insurance comparison supermarket.

If your car is not a regular everyday standard road vehicle, but is special with accessories and modifications, or it is worth over £10000 you may find yourself subjected to higher premiums from the standard motor insurance providers.

Wholesale insurance companies argue that handling claims and arranging specialist parts for replacement and repairs, tend to be much more difficult to arrange and expensive and the result is higher premiums. Many mainstream car comparison insurers do not want to cover you period, so they will try to exclude you and dissuade you by offering highly weighted premium quotes and expensive cover.

Worse still if you are forced to claim, you may even get sent to the wrong type of repair workshop by a standard insurer, when your motor or classic car requires specialist tools at the main dealer or makers garage!

You could be paying much less for your classic cover by switching to a specialist provider of classic car insurance. In certain circumstances, for example where your existing policy provider is charging you for unnecessary elements of cover, or does not really want you as a client as your profile does not match the optimal risk profile for their book of insurance business, you could save hundreds if you switch to a classic scheme. Additionally schemes more frequently than not offer exclusive discounts not found at the mega insurance supermarkets.

The benefits of these schemes are that you buy a product that is totally suitable for your individual situation and designed around your exact personal requirements and your classic or performance car's particular insurance cover needs.

Article Source: http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Specialist-Car-Insurance-Schemes-Will-Save-Classic-Car-Owners-a-Fortune!&id=2155955


Cheap Car Insurance Schemes
Visit the UK Crawler for directory of classic insurers

Specialist Car Insurance

Specialist Car Insurance

There's a very good post over at Squidoo regarding Specialist car insurance.

It shows that those in the know generally find it cheaper to purchase, and obtain superior cover and post sales support if they purchase car insurance from a specialist car insurance broker or company such as Car-Insurance.tv.



Specialist Car Insurance from You Tube

Our Aston Martin Classic Car Insurance offers unbeatable value and exceptional cover for all Aston Martins old and new. Visit http://www.car-insurance.tv/classicca... to compare quotes from over twenty different Aston Martin classic car insurance schemes. Guaranteed values and massive club discounts available.
Category: Cars & Vehicles
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Aston Martin Classic Car Insurance