ad15
Member Since: 14 Dec 2008
Location: up that tree
Posts: 4866
  
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| adrian flux,,, before you spend,,,,, |
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wanted to add another warning re adrian Flux,
so i took out insurance with them 6 weeks ago,, total cost of £500 for work use, inc offroad winch etc etc,,
anyway, with the D3 going i phoned to cancel,, they calculated my policy severance at costing me over £200 for 6 weeks insurance..
the small print is that when you opt to pay monthly ( a sensible business choice to spread the cost) i was not made aware that they would effectively sell my debt to a loan provider that charged 14% ETC ETC.
SO i'd actually taken out a loan without even realising it,,
a bunch of con artists,, i asked for the paper work that explains this as it was most certainly NOT said over the phone..
i didnt want to take out a loan to pay my insurance.. one wife.......livid
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 21st Apr 2011 9:53 pm |
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NoDo$h
Member Since: 02 May 2006
Location: Finding new and exciting ways to milk badgers.
Posts: 19689
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Ady, unfortunately it's not usually possible to buy monthly insurance. You buy an annual policy and may pay for it monthly, but you're contracted to a year. The way around this is a loan, something the insurance industry failed to grasp for a number of years.
If AF failed to send you a properly executed credit agreement, a quick letter to their complaints department followed by an 8 week wait to refer to the FOS (which will cost AF £400) will get you a partial refund. If you DID get a credit agreement, you're screwed.
You've got my number if you want to chat  I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
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| 21st Apr 2011 10:17 pm |
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hughes_jh
Member Since: 09 Jan 2011
Location: Warwickshire
Posts: 294
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I've always been of the opinion that the insurer could insist that you stump up the money for the full year, regardless of whether you keep the car of not.
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| 21st Apr 2011 10:40 pm |
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NoDo$h
Member Since: 02 May 2006
Location: Finding new and exciting ways to milk badgers.
Posts: 19689
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Legally they can unless their T&C's clearly allow for partial refunds.
And by I mean  I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
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| 21st Apr 2011 11:23 pm |
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