Disappointment…

[maxsaf]

Hi, registered for a call back as i liked to check the alternatives for my current insurance. Spent 15 minutes on the phone with them and then got transferred to another company that didn’t get any details of mine etc. Moreover within minutes of the conversation i got to know they don’t insure a modified vehicles.

 

[Carlie@Aplan]

Hi maxsaf 

Sorry, I'm not sure what's happened here, can you pm me your name and the best contact number for you and I will ask my team in the specialist branch to give you a call?

Carlie

[Rob R]

That’s really strange, I always call the Thatcham team directly and they are always great to deal with and have underwriters for mods on Jeeps

[jeepjimboy]

Adrian Flux, specialises on&off road journeys.  Been with them ok for some years now. My JK was quite well modded.

[DAN@ADRIAN FLUX]

Hi.

Please feel free to give us a try for insurance if you haven't done so already.

Regards,

Dan.

[maxsaf]

On 19/05/2023 at 14:38, Carlie@Aplan said:

Hi maxsaf 

Sorry, I'm not sure what's happened here, can you pm me your name and the best contact number for you and I will ask my team in the specialist branch to give you a call?

Carlie

max 07584330171 pls

[Carlie@Aplan]

9 hours ago, maxsaf said:

max 07584330171 pls

Thanks Max - I've passed to my team (Specialist Vehicle/Thatcham) for a callback

Carlie

[UKTJ]

@Carlie@Aplan I actually had a similar experience a while back where I called the wrong branch and then was the subject of a bit of 'pass-the-parcel', but I did at least finally get to talk to them team in Thatcham eventually.  Just a suggestion, but if it is a Jeep somebody is asking for a quote on, maybe worth asking other branches to ask if it is modified right at the start of the conversation.

[Carlie@Aplan]

We have tried to make the directing process as smooth as possible - unfortunately with over 100 branches it's not as easy as it sounds especially when branches get new staff and there are branches with different specialisms (Marine for boats, Rural, GolfPlan, Modified Van, High net worth, Taxi etc etc). However, with all our own socials (facebook, Instagram) and using a direct link in all our web banners and click throughs this has solved the redirection issue for the most part - a few slip through the net if they just google aplan and end up at their local branch though - we are always working with other branches internally to make sure referrals are made where they need to be made.

 

Im available online, here and on facebook etc to contact directly also - even outside of office hours

 

www.aplanspecialist.co.uk 

www.facebook.com/aplanspecialist

www.instagram.com/aplanspecialist/

www.facebook.com/AplanCarlie <- me directly

 

Carlie

Edited May 24, 2023 by Carlie@Aplan

[Mike WK2]

Hi Carlie, 

 

Apologies I read this thread in the wrong order and it should have been Addressed to Dan @ Adrian Flux. 
 

So Correction for all - A plan was the one that sorted my insurance - and Adrian Flux was in my eyes the ones that got it very wrong. 

[Mike WK2]

I have requested Admin to remove my post, so I can send correctly to Dan. 

[Carlie@Aplan]

58 minutes ago, Mike WK2 said:

Hi Carlie, 

 

Apologies I read this thread in the wrong order and it should have been Addressed to Dan @ Adrian Flux. 
 

So Correction for all - A plan was the one that sorted my insurance - and Adrian Flux was in my eyes the ones that got it very wrong. 

Thanks Mike for clarifying!

Edited May 23, 2023 by Carlie@Aplan

[Mike WK2]

Hi Dan@adrianflux

 

its a shame that something as important as vehicle insurance seems to be a lottery to who you get on the phone. But this is my recent experience. 
 

I have been insuring through Adrian Flux for 10 plus years, until recently with 3 vehicles, 1 being a modified Jeep and my home insurance and have recommended you guys to countless people. 
 

My existing modified Jeep insurance came up for renewal a couple of weeks ago, my renewal came through with another increase to over £1100 with no change in my personal circumstances. 
 

I phoned and asked a couple of questions 1 - why the increase and such a high premium, and was simply told cost of living crisis, and that they had gone to the market and this was the best possible price. 2 - I no longer use this vehicle as my every day work car so reduced the annual mileage by half, this only reduced the premium by circa: £150. 
 

I told them to remove the automatic renewal as I would go the market myself. 
 

Phoned A Plan as have seen them on here ( as it seems individuals are the key, Johnny Scanlon - 01993 894660 is who I spoke to ) really helpful guy, asked for some time as it was modified, he called back the next day same cover circa £700. 
 

Called AF back to tell them the policy wouldn’t be renewed as I had received a couple of reminders, and miraculously within half hour had a call back telling me they could provide the same for approx £650. I was also told it was up to me but there is a 14 day cooling off period so I could cancel with A plan and get my money back and stay with AF. 
 

I maybe a bit old fashion, and although yes your representative is only stating fact, but I personally found this scenario very annoying. Needless to say I stayed with the A plan quote. 
 

I suppose the Moto of the story, is go to the market yourself at every renewal, and not rely on AF to do their homework properly. Which is what I have done for many years. 

[Carlie@Aplan]

Thanks Maxsaf - welcome to the A-Team  

[maxsaf]

On 23/05/2023 at 08:54, Carlie@Aplan said:

Thanks Max - I've passed to my team (Specialist Vehicle/Thatcham) for a callback

Carlie

it's all been dealt with a great deal of attention to details and very positive attitude. The price was very competitive with great deal of depth in covering all the mods on the jeep....Thanks - completely rectified. Max

[jerryg]

I never agree to 'auto-renewal'. They'll normally send you a renewal quote anyway. That's the time to do some spade work via comparison sites. Then go direct to insurers themselves ie LV, General Accident etc. and your previous insurer. By moving to another insurer you often become a 'new customer' and will most likely get a better deal, as you will by doing it on line.  Bit of a fag but if you save upwards of £100 well worth it.

What I have found extremely annoying is either by phone or on line you go through the whole process only to get to the end when they/it says 'oh, we don't cover mods'. Why don't they bloody well say so at the beginning!!!!  Mods are not just done to 4x4's, all sorts of vehicles have mods done.

So called specialist/4x4 insurers usually means higher premiums, in my experience. Some don't do mods, some do, some aren't bothered as long as they are not 'performance enhancing' ie engine tweaks.  Don't pay extra for 'laning' as you don't need it. BOAT's/Green Lanes are public highways. Don't mention 'off road' unless you really mean that - pay and play sites, 'off piste' activities etc. 

For many years LV were consistently better value than all others, but recently have jacked up their premiums. IAM RoadSmart/Cornmarket are now my first choice. Currently paying £291 fully comp, all mods declared, protected no claims, Legal Expenses cover, low excess, trailer towing.

Above based on my own experiences of insuring vehicles for over 50 years! 

Caveat emptor! 

[Carlie@Aplan]

Under the new pricing reforms that came in 1st January 22 insurers are not allowed to price renewals differently to how they price new business. So if there is a difference with your current renewal and their price as a new customer it can be reported. 

 

"From 1 January 2022, new pricing rules introduced by the industry’s regulator, the Financial Conduct Authority (FCA), will come into force. The changes will mean that when existing home and private motor insurance customers renew their insurance policy, the price charged by the insurance provider cannot be more expensive than the price that they charge to an equivalent new customer for the equivalent policy."

[UKTJ]

On 26/05/2023 at 16:05, Carlie@Aplan said:

Under the new pricing reforms that came in 1st January 22 insurers are not allowed to price renewals differently to how they price new business. So if there is a difference with your current renewal and their price as a new customer it can be reported. 

 

"From 1 January 2022, new pricing rules introduced by the industry’s regulator, the Financial Conduct Authority (FCA), will come into force. The changes will mean that when existing home and private motor insurance customers renew their insurance policy, the price charged by the insurance provider cannot be more expensive than the price that they charge to an equivalent new customer for the equivalent policy."

Does this also apply to premiums for recovery services, eg AA, as that is also a form of insurance policy?

[Carlie@Aplan]

7 minutes ago, UKTJ said:

Does this also apply to premiums for recovery services, eg AA, as that is also a form of insurance policy?

I'm not sure sorry, I'd hope so! But can't confirm I'm afraid. 

[Chris Redford]

Yesterday I received a renewal from Flux - £1,088 compared to last year's £403.

I've owned my 2.7 2003 GC for 10 years and insured it with Flux for 7 of those 10 years. My nor the vehicle's situation has changed. I have not made a claim. The vehicle is valued for insurance purposes at £1,000. So Flux wants £1,.000 to give back to me if the GC get's written off and it's not my fault. It's common knowledge that the Rate of Inflation has been 10% - which should make my new quote about £440 - make it £450 for a tad more profit.

A quick look at Money Super Market gives me a quote of £650 inclusive of my wider tyres and chipped engine.

These prices are driving me to the ex-Jeep Owner's door, and I shall be sharing my wife's 3-cylinder Renault, but sitting on a fatter wallet whilst doing so.

[UKTJ]

6 hours ago, Chris Redford said:

Yesterday I received a renewal from Flux - £1,088 compared to last year's £403.

I've owned my 2.7 2003 GC for 10 years and insured it with Flux for 7 of those 10 years. My nor the vehicle's situation has changed. I have not made a claim. The vehicle is valued for insurance purposes at £1,000. So Flux wants £1,.000 to give back to me if the GC get's written off and it's not my fault. It's common knowledge that the Rate of Inflation has been 10% - which should make my new quote about £440 - make it £450 for a tad more profit.

A quick look at Money Super Market gives me a quote of £650 inclusive of my wider tyres and chipped engine.

These prices are driving me to the ex-Jeep Owner's door, and I shall be sharing my wife's 3-cylinder Renault, but sitting on a fatter wallet whilst doing so.

Have you spoken to them to ask why?  Tagging @DAN@ADRIAN FLUX for comment on why insurance costs would be up such a crazy amount.

[DAN@ADRIAN FLUX]

6 hours ago, Chris Redford said:

Yesterday I received a renewal from Flux - £1,088 compared to last year's £403.

I've owned my 2.7 2003 GC for 10 years and insured it with Flux for 7 of those 10 years. My nor the vehicle's situation has changed. I have not made a claim. The vehicle is valued for insurance purposes at £1,000. So Flux wants £1,.000 to give back to me if the GC get's written off and it's not my fault. It's common knowledge that the Rate of Inflation has been 10% - which should make my new quote about £440 - make it £450 for a tad more profit.

A quick look at Money Super Market gives me a quote of £650 inclusive of my wider tyres and chipped engine.

These prices are driving me to the ex-Jeep Owner's door, and I shall be sharing my wife's 3-cylinder Renault, but sitting on a fatter wallet whilst doing so.

 

Hi Chris, 

 

Drop me a message and i will look into this for you. 

 

Thanks 

Dan 

[UKTJ]

Just watching the BBC morning TV show (son's 18th birthday so not at work) and they have just mentioned how insurance companies across the board are putting through huge increases for renewals.  Sounds like an industry-wide thing.  But generally they are dropping renewals dramaticall when challenged.  This very much accords with our experience of recent breakdown insurance renewal.

[Mike WK2]

Hi Chris, I had exactly the same issue, I ultimately went with A Plan, but tell Adrian Flux not to renew and your going to leave and Insure elsewhere and in my experience they come back to you with the hour with a figure 1/2 the price. 

[Chris Redford]

6 hours ago, DAN@ADRIAN FLUX said:

 

Hi Chris, 

 

Drop me a message and i will look into this for you. 

 

Thanks 

Dan