Adrian Flux... having a laugh? - Civinfo
 
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post #1 of 14 (permalink) Old 3rd May 2014, 13:26 Thread Starter
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Adrian Flux... having a laugh?

Just a heads up...

Cost me 1000 for a year on a E46 BMW M3 55 plate. Most insurance companies told me they were high write off rate vehicles so they wouldn't touch me, i was surprised at it being 1k to be fair.

11 months in & i swap to an Impreza WRX STi 2004. Costs me 65~ to change my vehicle(I was told my insurance wouldn't go up), was told it was a Vehicle change fee. (Woman on the phone the 2nd time has actually said that my year insurance went up by 500 when i added it on but because it was close to the end it cost me just a small amount.)


Renewal comes through, 1 year NCB extra, lower value car, AWD, Lower BHP etc. However it has coil overs (cost me NOTHING on my civic) and a few other bits and bobs which DOESN'T improve the power.

Yet they are asking me for 1,735 with an 800 Excess. I'm 26 (nearly 27), I have a clean licence & 7 years NCB.

But apparently they looked into it and can do me it for 1,400, why not send me a renewal for this price rather than 1,735???


I think I'll avoid them from now on. I think that's pretty piss poor to be honest!
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post #2 of 14 (permalink) Old 3rd May 2014, 13:31
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Go on a comparison site mate thats ridiculous
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post #3 of 14 (permalink) Old 3rd May 2014, 14:21
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Tbh all insurance companies give you a stupid renewal in case you just can't be bothered to shop about or in the hope you forget and they can auto renew it. I go with someone new every year and they always try it on when my renewal comes through.
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post #4 of 14 (permalink) Old 3rd May 2014, 14:24
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Quote:
Originally Posted by Schlieb View Post
Tbh all insurance companies give you a stupid renewal in case you just can't be bothered to shop about or in the hope you forget and they can auto renew it. I go with someone new every year and they always try it on when my renewal comes through.

+1

Shop about a bit and dedicate an afternoon to ringing up companies comparing quotes and play them off eachother
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post #5 of 14 (permalink) Old 3rd May 2014, 15:06 Thread Starter
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Tbh all insurance companies give you a stupid renewal in case you just can't be bothered to shop about or in the hope you forget and they can auto renew it. I go with someone new every year and they always try it on when my renewal comes through.
Yes i completely understand that they all try it. I've known a couple of people who have let their insurance renew year after year without ever looking. Absolutely mental, wasn't even in a position to not care about money either!

I didn't expect a bargain renewal, however i think putting the current insurance from 1,000 to 1,500 is a piss take! What warrants that? I was always being told by insurance companies that the M3 was a really bad car to insure due to thefts, write offs, high power RWD etc

As for it going from 1,000 to 1,500 from just a change of car and then further onto 1,735, that baffled me even more.


A WRX STi on comparison sites for me atm is coming in at around 600-700 fully comp with 350ish total excess.


I done a quote on my civic when i owned one & it came up as around 800 on my 2nd year. I was with Greenlight. I declared all my mods which were: Coilovers, Rep mugen wing, front & rear GP splitters, 19'' rages, HKS RSK, carbon bonnet & Milltek catback. The price after declaring them all? 800. Thats what we want!
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post #6 of 14 (permalink) Old 3rd May 2014, 15:10
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I got a cheaper quote declaring my mods with Adrian flux, Chris knott, Brent Acre by about 100 than the comparison sites could do with no mods? How's that work lol. Then they wanted double with a few mods lol

Sent from my GT-I9505 using Tapatalk
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post #7 of 14 (permalink) Old 3rd May 2014, 16:47
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I decareled all my mods this time and used green light off here

My renewal was 280 (no declared mods)
Comparison site 640 (declared mods)
Greenlight quoted 310 (declared mods) Happy days
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post #8 of 14 (permalink) Old 5th May 2014, 14:49
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Wouldn't suprise me if you go on their website for a quote it is cheaper than your renewal even with same details
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post #9 of 14 (permalink) Old 6th May 2014, 17:05 Thread Starter
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Wouldn't suprise me if you go on their website for a quote it is cheaper than your renewal even with same details

Well when i rang them up and all of a sudden they could get it for 1,400 was a pretty good laugh. So maybe! haha.
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post #10 of 14 (permalink) Old 12th May 2014, 19:29
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Am just hunting around now for our first Type R and so far GreenLight are coming out best. No issues with basic mods like induction kit and wheels. Sweet 320~ FC NC RM.
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post #11 of 14 (permalink) Old 12th May 2014, 19:33 Thread Starter
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So in the end greenlight were the easiest to deal with and one of the few who would actually quote me.

WRX STi PPP seems like it's a nightmare to insure. Most normal insurers see the 261-300~ BHP jump as a major modification & wouldn't touch me.


In the end i've one extra year NCB v's last year & managed to save 65 on my previous year insurance on the M3.

Not great, but certainly better than 1,735 / 1,400.


I guess greenlight deserve a thumbs up...
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post #12 of 14 (permalink) Old 12th May 2014, 19:48
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Quote:
Originally Posted by Bizzie View Post
Just a heads up...

Cost me 1000 for a year on a E46 BMW M3 55 plate. Most insurance companies told me they were high write off rate vehicles so they wouldn't touch me, i was surprised at it being 1k to be fair.

11 months in & i swap to an Impreza WRX STi 2004. Costs me 65~ to change my vehicle(I was told my insurance wouldn't go up), was told it was a Vehicle change fee. (Woman on the phone the 2nd time has actually said that my year insurance went up by 500 when i added it on but because it was close to the end it cost me just a small amount.)


Renewal comes through, 1 year NCB extra, lower value car, AWD, Lower BHP etc. However it has coil overs (cost me NOTHING on my civic) and a few other bits and bobs which DOESN'T improve the power.

Yet they are asking me for 1,735 with an 800 Excess. I'm 26 (nearly 27), I have a clean licence & 7 years NCB.

But apparently they looked into it and can do me it for 1,400, why not send me a renewal for this price rather than 1,735???


I think I'll avoid them from now on. I think that's pretty piss poor to be honest!
that's a joke full stop and yes I know it's a fast car and your younger than me but for 26k of tourer at 38 for 2 named drivers with full business insurance and a 250 excess full comp we pay 200 after I had a 55 refund from swapping the insurance from the ctr
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post #13 of 14 (permalink) Old 12th May 2014, 20:15
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Check who you're actually insured with because greenlight are basically brokers and mainly deal with Adrian flux or marker study, so in a roundabout way you may still be with Adrian flux
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post #14 of 14 (permalink) Old 13th May 2014, 12:35
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Sounds like they're playing you on, albiet an STI will always be a stereotypically high risk car to insure, having come from an M3 those numbers just don't add up. For a lesser extreme comparison when I came to renew my FN2's insurance with admiral for the day before trading in for my 335i the initial renewal was 670 @ 24 with 3 years no claims and it only went up to 740 despite the residual car value & performance increase.

Last edited by Reeno; 13th May 2014 at 12:40.
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