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I must be doing something wrong when it comes to insurance?? Mine is up on the 24th so a quick comparison online I got it down from £411 to £275 with voluntary excess of £350 and compulsory of £350. Bit high but if lowered the excess to £150 then I got it to £350 paying it monthly.

My issue is I don't how these specialist insurance companies like Flux,Knott etc make any money or get any customers.

It takes forever if at all anyone on the phone and they are always a lot more. My car is standard is that the issue? In 8 years they have never got close. I officially give up with them and its online all the way for me.

And why can they not email me a quote if I enter all my details online? And they seem to shut after 6pm. With working full time its very hard to try and contact these people. God forbid I need to make a claim
 

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Sausage Fingers
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Never had a problem with adrian flux, even when I had to make a claim they were spot on and dealt with it quickly and in my best interests.

The woman in the phone was a bit taken aback when k reeled the list of mods off to her though.
 

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Think yourselves lucky, my 1st year insurance where I live was £2986. I actually took out a loan to pay the insurance out right because the 'pay monthly' interest rate was 46%
This year it is half that, around £1600, haven't received a renewal yet. This isn't on an R32 by the way, that first quote was a 1.2 polo which after 3 months pretty much fried on me, I had a golf GT TDI lined up which was strangely cheaper by £200, the problem was, the original policy wanted an extra £1300 to 'change cars' so it was cheaper for me to get the remaining 9 months pay back and take out a new quote.

They have some f''''ing nerve to be honest, I'm almost 25, have a career, worked hard since I was 13 and look where society puts you!
Insurance, tax, pensions, wages, everything screws you over.

I asked flux for a quote for this year, told them what i've been quoted so far and they never got back to me! The thing is, speaking to a company like that directly should be better off, quotes online are literally randomly generated digits so where the hell do they get their figures?
 

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Discussion Starter · #9 ·
As work was slow I did get through to Chris Knott insurance after being on hold for 10 mins. Close but not close enough. £325 but I had to pay it all up front.

Went online again but tried money supermarket and went with Churchill in the end as they matched it. I got more benefits along with monthly payments and a much lower excess.

Even with me upgrading my alarm it only knocked a tiny bit with Chris Knott. Churchill it made no difference
 

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I tried Chris Knott as per recomendations on here. The guy was surprised at my other quote.
As we have the family car through Direct Line, I got the 32 on multi car for me and the wife at £169 fully comp for a year. I'm 43 tho if that makes a difference?
 

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I've been with elephant for the last two years and have been happy with their prices. Had my quote through the post this morning for just over £400. Went on line and found a great deal with Admiral for £246 with a named driver. £350 total access. Phoned elephant up to cancel and guess what? They are part of the same company so matched Admirals price. Happy days.
 

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Different insurance companies focus on different risk profiles. They key is finding the one that suits your particular profile.

For example, when I had my R32 nobody could come close to More Than whereas when I got my Scirocco they weren't competitive and nobody comes close to Direct Line, Churchill or Privilege, who are all the same company.
 
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I asked flux for a quote for this year, told them what i've been quoted so far and they never got back to me! The thing is, speaking to a company like that directly should be better off, quotes online are literally randomly generated digits so where the hell do they get their figures?
I've written quote engines and integrations with comparison websites for Insurance companies, from Travel insurance (the most dodgy buggers of all insurers), car insurers, house insurers, caravan insurers yada yada. A lot of their calculations with cars are based on statistics like: crime rates (in your area), age, you personally (they consider single people more risky than someone in a relationship, marriage even less risk, kids even less, etc.), driving convictions, insurance refusals/infractions etc.

I've had them ask myself or another engineer to set-up formulas to essentially - if your annual milage is < 5,000 to increase a premium a few percent (due to not being experienced enough alas risk) and the same for anything over X miles they add percentages.

The sucky part for me, I'm paying extortionate amounts because although i'm 25, I was 24 when I had my renewal by 1 month!
 

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Discussion Starter · #15 ·
Tried again (don't know why I bothered) for my niece is car. 19 years old with 1 NCB on a 95 Polo 1300cc. Online I got it down to £1079 3rd party fire and theft. Flux over £1400!!!! Chris Knott sound the best so far at £1000 with legal cover chucked in. HIC I was on the phone for 15 mins with no answer so I gave up. Green light said no as its not a sports car??? and Sky didnt bother due to her age??? Who actually uses these jokers????
 

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Tried again (don't know why I bothered) for my niece is car. 19 years old with 1 NCB on a 95 Polo 1300cc. Online I got it down to £1079 3rd party fire and theft. Flux over £1400!!!! Chris Knott sound the best so far at £1000 with legal cover chucked in. HIC I was on the phone for 15 mins with no answer so I gave up. Green light said no as its not a sports car??? and Sky didnt bother due to her age??? Who actually uses these jokers????
Try direct line, let us know what they say.
A friend of mine who's 19 has just passed, granted her car is a vw up, but nonetheless, average quotes around my area are always above 2k!
She gt hers for £940 for her 1st year with absolutely nothing such as NCB or additional drivers etc. I had to throw 2 parents on mine for it to drop £330 then I put mileage to 8000 rather than 5 and it went down another £400, I then stated that my car would be parked on the street rather than the driveway which dropped an additional £100+
I don't understand them at all mate, first year is the most likely to have an accident yet when I stated that my car was going to be easier for thieves and on the road more miles (higher risk for first time drivers) it went down dramatically! its nuts -.-
 

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Flux etc which you seem to be trying are aimed at the modified owners rather than standard cars, they don't insure anyone under 21 i believe it says that on their site? Or it used to.

I haven't even quoted using the online providers as with flux 26, 3 years ncb an 3 points, few modifications the R32 comes in at just over a £1000 due to paying monthly, an that's in a not so fantastic area.
 

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Direct line
I insure a 12reg 2.0 cdti Astra
My R32
And until recently my motorbike

Just turned 30, been driving since I was 17
Fully comp for me and my Mrs £370 a year.
Insured to drive any vehicle and use them for business

Love it
 
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