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.

Classic Car Insurance Basics for Dummies

Classic Car Insurance - A Beginners Guide For New Classic Owners
By Dave Healey

If you've just bought your first classic car you will need to consider not just where, but also how you are going to insure it.

As a classic car owner it matters not if you drive a perfect condition Ford Capri 3 litre from 1970, a beat up old Morris Minor from the Sixties or a sleek E-type Jaguar in British racing green, it is essential that you find the best classic car insurance cover for your cherished motor, that covers your individual risks at prices that won't break the bank!

If you have not owned a classic car before it is important to realise that there are basic differences between what is known as a standard car insurance policy and the cover offered under one defined as classic, from a specialist car insurer.

The first thing to establish is whether your car is eligible for cover under a classic policy. One way you could do this is ask the previous owner whether it was covered under a classic car insurance policy and with which insurance company.

Different car insurance companies have different definitions of the age and type of vehicles that can be covered under this type of cover.

What might be easily covered with one provider may be excluded by another. Fortunately most online classic car cover providers provide this information on the first page of their websites, so it is fairly easy to surf around and check your eligibility with different insurance companies.

You should check that both the eligibility of the age of the car in question and also whether there are policy restrictions for your individual driving circumstances, such as your age that would prevent you from applying for cover.

The major variation between a standard policy and those offered by the classic car specialists is in the way that you use your classic vehicle, and in particular, how much you drive it. The large mainstream insurers and price comparison sites will offer cover for older cars but will charge an additional premium because of its age. They will also load the premium if replacement parts for the vehicle type are known to be expensive.

More importantly you will only be offered the current market value replacement if the car is covered under a mainstream policy and is deemed to be a write-off when you claim.

With a standard car insurance policy on a replacement like for like basis, the value of the car is often set by the market value at the time of a claim, typically taken from one of the car price magazines such as the UK's Glasses Guide. The amount you will be probably receive for a write-off will be at the current market value of your car which is an annual depreciating amount. Inevitably, if you own a classic car and insure it under a standard policy contract, this leads to under valuation and under insurance of the true value of the car. You will also probably not be offered the salvage and a repairable classic car may often be deemed a write-off because the cost of repair is uneconomic to the Insurer.

If you purchase a specialist classic car policy you will be offered a choice of either an agreed valuation of the classic cars worth or a policy based on market value.

An agreed valuation amount is the amount that the insurance company will pay out in the event of a claim that results in a write off. This is a major benefit of insuring classics under specialist policies because it ensures that you are not just properly covered but will also receive the specialist repair services that your classic will require should you claim. It should be noted that even agreed valuation polices can change and you should ensure that the value is guaranteed for a certain period of time to avoid fluctuations in market values.

Classic Car insurance polices are therefore tailored to the needs of cars considered to be collectable and effectively the valuation is a rating factor for the condition of the car.

The other major difference between standard and classic policies is in the way that you are allowed to use your car under the terms of the agreement. Originally this type of vehicle insurance was designed for drivers who do not use their classic cars much.

All classic car policies have a limited mileage clause which only covers the vehicle for an agreed amount of miles per year. Depending upon which specialist car insurance company you use, there will be a limit to how far you can drive your classic. Some providers will only cover a couple of thousand miles per year under the policy, but many specialist providers are now offering cover up to ten thousand miles per year. These policies reflect the fact that many drivers now use modern day classic cars as their main form of transport.



As with all car insurance it is important to compare both covers and prices when shopping around. There are many specialist classic insurance providers available online today and many specialist schemes that are targeted at particular classic owners.
Compare Classic Car Insurance premiums offered by these with those from the price comparison sites, but if you want to avoid disappointment if you need to make a claim, be sure to understand the difference in policy covers.

The Internet has made it very easy to compare specialist Classic Car Insurance that was previously only available from specialist car insurance brokers on the high street. You can find those offering special deals and bespoke schemes for your particular classic by searching for your model type classic car insurance.

Original Article: