Flux Policy cancellation no refund ? Beware

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elviswenger

elviswenger

New Member
Posts
6
Location
Herts / Bucks borders
Just had to cancel my policy (Sold Vehicle) with A Flux (KGM) full comp taken out 20th Dec 2013
The nice girl at Flux advised me that no refund will be available to me because the policy is over 90 days old.
Bit Harsh I thought
Be aware of this as it is not in any small print I can find
Anyhow I have another flux policy (Defender td5 90) needs renewing in May 2014.
No more business from me Mr Flux "we is over"
 
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Also just had the notification of my no claims discount from two years of no claims and it means a big fat zero in NCD if you are KGM through Adrian flux
I post this at a warning to others
I have been drawn into this blindly and just realised how poor this company is.
 
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Its not just a flux thing. Same thing happened to me with elephant a few years back.
When you add in the cancellation and 'arrangement fee' of £50 I wouldn't ever expect a usable refund.
 
Yes it turned out the KGM Classic policy carries no NCD
And yes £230 was cheap ish but I would have thought a small refund was in order
But it's buyer beware on this stuff

So as I said just a warning to others I have learnt a lesson
 
some policies have a "No refunds" clause - best to check the small print.

Some policies (particularly Classic Car policies) do not have an NCD, because the cost is based on the car, not the driver - best to check the small print.
 
elviswenger said:
Yes it turned out the KGM Classic policy carries no NCD
And yes £230 was cheap ish but I would have thought a small refund was in order
But it's buyer beware on this stuff

So as I said just a warning to others I have learnt a lesson
Click to expand...

Did you read all the insurance policy, bet there were terms and conditions in there and you did not read it.;)
 
Actually the small print on both the refund and zero NCD were non existent
Also this stuff should be pointed out at the time the feckers want you part with your hard earned cash
I made a mistake and taken it on the chin
I post on here so other unsuspecting folk do not fall into the same trap
Anyhow enough of my ranting
Happy driving
 
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Hi there guys.
Hopefully I can shed some light on all this from an Insurance background -

With a lot of 4x4 policies, vehicles over the 10 or 15-year 'age bracket' that are doing low mileage will fit on 'classic' policies.
These polcies do offer lots of benefits such as low costs, good cover, off-road/green-laning use, Modifications cover and often an Agreed Valuation.

They are, however, something of a double-edged-sword. The only two negatives with purchasing a classic policy are as follows -
1 - They will usually not offer a refund in the event of cancellation after the first few weeks. This is only if you completely cancel the policy out-right. If you change the vehicle etc you can often just call up and amend the details in most cases.
2 - Most classic policies will not earn you any No Claims Bonus. This is, however, simply because classic policies do not 'need' to use NCB. They are usually based on a vehicle that is not your main car and is used very little, therefore rather than you 'needing' to have Bonus before your price is reasonable, they will start off at a lower price without the need of No Claims Bonus at all.

Many policies do allow you to keep any No claims 'up-to-date' on there from previous Insurances so you don't lose what you have earnt elsewhere.

The benefits of these policies do usually out-weigh the negatives; however if you require a policy that DOES give a refund or DOES earn you NCB, then it is best to specify this at the quotation stage.
In regards to Insurers 'not advising you'...a Broker and/or Insurer cannot legally start a policy without advising you of the Terms and Conditions. More so now than ever before with the FCA heavily regulating companies.

The full terms are usually sent out and/or read over the phone when the policy is started and there is always a cancellation period to allow the policy-holder time to read through the terms they have been sent (usually 14 days).
Unfortunately, in this day and age, many people do not read the terms and conditions when the documents arrive...which can lead to issues, but it does not necessarily mean you have restricted cover if you have a cheap premium.

It's rare that everyone will 'need' a policy that they can easily cancel. To be fair, no one can predict the future, but I would just advise first-and-foremost to make sure you have the best cover for your individual needs and go from there.

I hope this helps clear up a few things with regards to classic policies...
The long-and-short of it is, no...they don't give refunds usually. However, they do give good cover, and that's the main thing with Insurance.

Many thanks,
Dan
Adrian Flux
 
Dan
Fair play
Clear explanation so we all know for the future

I very much doubt this was explained at time of sale and the small print if it exists is very small
A lot smaller than the reams of extras for sale that accompany the documents

But thanks any way

I have just gone
Aviva with my 90 £9 more than you but I feel a lot more comfortable with them
 
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I can thoroughly recommend Lancaster for landy insurance. Never had an issue and you get a geographic landline number to call and a human being answers the phone without any automated menus.
 
elviswenger said:
Dan
Fair play
Clear explanation so we all now for future

I very much doubt this was explained at time of sale and the small print if it exists is very small
A lot smaller than the reams of extras for sale that accompany the documents

But thanks any way

I have just gone
Aviva with my 90 £9 more than you but I feel a lot more comfortable with them
Click to expand...

Aviva is one of the 40 companys Flux sells for. Flux is just the under writer
 
Hunterf58 said:
I can thoroughly recommend Lancaster for landy insurance. Never had an issue and you get a geographic landline number to call and a human being answers the phone without any automated menus.
Click to expand...

Yes Thanks for this mate I have tried Lancaster and will use then in the future.
This time they needed me to fit a Thatcham approved alarm/immobiliser to the 90 before they could come anywhere near the Aviva quote.
My 90 td5 county is standard in every way land rover immobiliser only (and steering lock) so I will probably upgrade security for next year to give me more options.
Got to say Aviva have been spot on to deal with so far very pleased.
also no need to photocopy all the tons of sh.t Flux ask for
sweet as a nut .
 
Adrian Flux said:
Hi there guys.
Hopefully I can shed some light on all this from an Insurance background -

With a lot of 4x4 policies, vehicles over the 10 or 15-year 'age bracket' that are doing low mileage will fit on 'classic' policies.
These polcies do offer lots of benefits such as low costs, good cover, off-road/green-laning use, Modifications cover and often an Agreed Valuation.

They are, however, something of a double-edged-sword. The only two negatives with purchasing a classic policy are as follows -
1 - They will usually not offer a refund in the event of cancellation after the first few weeks. This is only if you completely cancel the policy out-right. If you change the vehicle etc you can often just call up and amend the details in most cases.
2 - Most classic policies will not earn you any No Claims Bonus. This is, however, simply because classic policies do not 'need' to use NCB. They are usually based on a vehicle that is not your main car and is used very little, therefore rather than you 'needing' to have Bonus before your price is reasonable, they will start off at a lower price without the need of No Claims Bonus at all.

Many policies do allow you to keep any No claims 'up-to-date' on there from previous Insurances so you don't lose what you have earnt elsewhere.

The benefits of these policies do usually out-weigh the negatives; however if you require a policy that DOES give a refund or DOES earn you NCB, then it is best to specify this at the quotation stage.
In regards to Insurers 'not advising you'...a Broker and/or Insurer cannot legally start a policy without advising you of the Terms and Conditions. More so now than ever before with the FCA heavily regulating companies.

The full terms are usually sent out and/or read over the phone when the policy is started and there is always a cancellation period to allow the policy-holder time to read through the terms they have been sent (usually 14 days).
Unfortunately, in this day and age, many people do not read the terms and conditions when the documents arrive...which can lead to issues, but it does not necessarily mean you have restricted cover if you have a cheap premium.

It's rare that everyone will 'need' a policy that they can easily cancel. To be fair, no one can predict the future, but I would just advise first-and-foremost to make sure you have the best cover for your individual needs and go from there.

I hope this helps clear up a few things with regards to classic policies...
The long-and-short of it is, no...they don't give refunds usually. However, they do give good cover, and that's the main thing with Insurance.

Many thanks,
Dan
Adrian Flux
Click to expand...
Sorry Dan but that is utter bollocks. My partners Discovery was insured with you and unbeknownst to us, you had insured it on a classic policy without us asking you to. We only found this out when it came to renewal time and found our NCD had not been taken into account. We looked in the small print and found nothing about classic policies and NCD's. When we asked your customer service staff about this, she said we don't have to be informed that it is a classic policy. She then gave us a quote for renewal that seemed reasonable, but when I asked if it was a classic policy, she said yes, despite us complaining about being put on such a policy in the first place :mad:
 
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