Adrian Flux - Don't be alarmed!!!!

[T72]

Having an exchange with Adrain Flux re car alarm discount on my premium.

Knowing I had no information regarding the system on the vehicle, the previous owner had the car for 9 years and had no info I declared it as a CAT 2 Thatcham, despite it being what I suspect is a CAT1 with alarm and internal motion sensors. I have been able to provide the name of the manufacturer only (from a sticker on the window).

I have explained this, however I'm expected to take the car to a garage and pay someone to tell me! As you would expect all the system is hidden away (i suspect under the dash) I've taken a look but there's no obvious signs or indication of the make / model. Sort of the idea with a good alarm system!!!!!

So sent pictures of the alarm fobs, sticker on the window and a video of the alarm being activated upon opening the door, dash ignition lights going on when key put in, key being turned twice, and not working, the video includes an external shot of the car (reg no). However got a lovely reply;

Quote:
We can confirm in order to continue your policy with the discount given for the additional security on your vehicle; we do need the full make and model of the immobiliser. Unfortunately we are unable to accept any less, however as previously advised we are able to remove the discount and an additional premium is due. If you are unable to get proof of the full make and model of the immobiliser in seven days we will automatically remove this discount and advise you of the additional premium. We trust that the above is clear.


Can't believe they don't come across this all the time with such vehicles, where's the flexibility! Where's the consideration of a set of circumstances where clearly someone is trying there best to provide all the evidence they can! I've sent them a video of it working for god sake!!!

The cynic in me says they know it's going to cost me more to take it to a garage so I'll just pay the additional premium!

The most annoying thing is that I was aware of this and declared it as a CAT2 to start with rather than a CAT1 in consideration of these possible problems.

Sometime these guys just make me weep they really do!!!!

[Horney]

This has always been the case with all insurers. Most even require the original certificate so I think in this case Flux are being quite flexable.

Nick

[Agreeable Slick]

They are being flexible. They have said in no uncertain terms that they will apply the discount once it is proven to be what you say it is. I.E. take it somewhere and get it certified. It's really not that difficult.

The reasoning is that any Tom, Dick or Harry could say "oh by the way it's got a thatcham CAT1 alarm" when it quite clearly doesn't, just to get a discount.

[T72]

Your missing the point the AP is no doubt going to be less than the cost of having a garage look at it to get the information. It's the principal.

The other more important this is that Adrian Flux are not an insurance company they are a broker, in an insurance contract the broker is acting for the assured / insured, i.e me. They are supposed to get the best deal for me, negotiate with the insurance company for me, raise such issues and seek a compromise from the insurance company for me.

Car insurance always works like the broker is working for the insurance company. That should not be the case. They should be working in my best interest!

That's the theory . . . . the reality of course is starkly different!
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[Horney]

Your missing the point the AP is no doubt going to be less than the cost of having a garage look at it to get the information. It's the principal.

What principle? The "I want a discount for something I can't prove" principle? Stop being a gimp and either pay more for your insurance or get alarm inspected (Which should get you cheaper insurance not just this year but following years).

I know Flux are a brokers but you'll find in the small print of your policy the details required for the alarm discount and this is standard practice across the industry. When I have cars with CAT approved alarms but no paperwork I never even bother saying it's CAT certified and just tell them it has an alarm.

Nick

[skyinsurance]

Your missing the point the AP is no doubt going to be less than the cost of having a garage look at it to get the information. It's the principal.


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Find out what will suffice as proof, eg do they need a thatcham approved device to be fitted and proof of this or will they accept a local mechanic/security specialist's confirmation on headed paper stating the make and model and fact it is fitted and in working order.  It could well be you get something on headed paper free of charge.

What they are doing/requesting seems perfectly reasonable to me as well, not meaning to be rude.

Ollie
Sky Insurance

http://www.skyinsurance.co.uk/car-club-insurance.html

[JC]

My car has stickers in the window, can I haz discount thanking you please