Insurance advice

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Christoff
Posts: 56
Joined: Sat Jun 13, 2015 5:28 pm

Insurance advice

Post by Christoff » Mon Jul 09, 2018 5:32 pm

I could do with a little advice on choosing insurance please - I'm torn between Chris Knott and Adrian Flux.

I'm currently with Chris Knott and paid £448 last year.

Adrian Flux has quoted £315 this year, including a £40 admin fee.

Chris Knott has sent me a renewal (to compete with this quote) at £337, including a £15 admin fee.

I've been happy with Chris Knott so far - never had to make a claim other than windscreen though, but they've always lowered my premium a little each year, and until now always beaten other quotes.

So I thought I might stay with Chris Knott, even though it's slightly more expensive, so I told Adrian Flux this.

But now Adrian Flux has offered to waive the £40 admin fee, bringing it down to £275!

They're both insurance brokers, and Adrian Flux uses Trinity Lane insurance - I've read bad reviews about Trinity Lane but great reviews about Adrian Flux, but I'm not sure how much that would affect me with Adrian Flux being middle men? Chris Knott uses Highways (part of LV=, which seems to have mixed reviews, while Chris Knott has great reviews).

The fact that Trinity Lane has bad reviews was part of why I decided to stick with Chris Knott, but now there's even more of a saving to be had, and I just wondered what others thought, and if they had experience (especially claiming) with either/both of these companies?

For comparison, there are a few differences with what I get with each:

Chris Knott: £200 excess, 6,000 stated mileage (reality is I do under 5,000), unlimited legal expenses cover.
Adrian Flux: £300 excess, limit (an actual limit) of 5,000 miles a year, up to £100,000 legal expense cover.

Not sure if there's anything else that I should check policies to compare? Both include protecting my no claims bonus.

I'd appreciate some thoughts and advice on which to choose - what would you go for?

Thanks,

Chris


MIKE45
Posts: 99
Joined: Tue Mar 21, 2017 9:27 am

Re: Insurance advice

Post by MIKE45 » Mon Jul 09, 2018 5:39 pm

Hi.
Why are you using a insurance broker ? and paying the admin fee.
Mike.


Christoff
Posts: 56
Joined: Sat Jun 13, 2015 5:28 pm

Re: Insurance advice

Post by Christoff » Mon Jul 09, 2018 5:50 pm

Why not?

Chris Knott gave a big discount the first year I used them compared to other insurers, and people here seemed to rate them highly. They've lowered prices slightly each year too, rather than increase.

Plus, I can't find insurance at these prices elsewhere!


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acrorat
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Joined: Thu Dec 22, 2011 12:33 pm

Re: Insurance advice

Post by acrorat » Tue Jul 10, 2018 12:26 pm

I used Chris Knott for two years, as my then insurer (LV) absolutely refused to add my daughter as a named driver, as she had only just passed her test (and the rate Chris Knott gave me was very good indeed).

Then suddenly they upped the price immensely (despite my daughter having two incident free driving years, also with her own car as well as mine, and my having 9 years no-claims), so I looked around and found Santander to be the best.
Haptic Blue Tekna AWD 08/11/11


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actd
Posts: 2207
Joined: Wed Aug 01, 2012 11:18 am

Re: Insurance advice

Post by actd » Wed Jul 11, 2018 11:24 am

I've been with Chris Knott for about 3 years and I've had no problems at all - I think one year they put their quote up, and I went online and got a better deal, so told CK and they matched it, so I stuck with them. I've also had a claim with them, and their service was excellent.
One thing I do though, is to decline the legal expenses insurance and do this through mem online - costs £19 for 2 years (and you can add more vehicles for an additional cost) - the reason for this is a number of years ago, I had a claim when I was knocked off a motorbike and this was handled by my insurer's claims management. The other side made an offer, which I thought was too low, but my claims handler stated that they wouldn't take the claim further, and if I chose to do so, and the court accepted their offer, then potentially I would be liable for my own costs and also those of the other side (if the court had said that they had to pay even just £1 more than the offer, I would have been fine) - this meant that I couldn't take the risk of pursuing the claim further. An independant claims company doesn't have this restriction - they will follow the claim through to the conclusion (up to £100k limit I think) and I've been doing this for years now.
2012 - Acenta Premium dCI - Gun metallic
2014 - Acenta Premium 1.2 DiG-T - Nightshade
2015 - Acenta Premium 1.6 DiG-T - Black
2017 - N-Connecta 1.6 DiG-T - Black


Christoff
Posts: 56
Joined: Sat Jun 13, 2015 5:28 pm

Re: Insurance advice

Post by Christoff » Mon Jul 16, 2018 8:44 am

Thanks all.

Still not sure what to do though! Really tempted by the Adrian Flux price, but a little unsure about them.

Leaning towards staying with Chris Knott as I've seen more positive feedback about them (thanks actd).

Would be useful to know if anyone has had experience with Adrian Flux (Trinity Lane), and what others might do in this situation?


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actd
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Joined: Wed Aug 01, 2012 11:18 am

Re: Insurance advice

Post by actd » Wed Jul 18, 2018 10:51 pm

Used Adrian Flux about 30 years ago as they specialised in Kit Cars, they were very good, but I think any experience from 30 years ago probably doesn't count now :-D
2012 - Acenta Premium dCI - Gun metallic
2014 - Acenta Premium 1.2 DiG-T - Nightshade
2015 - Acenta Premium 1.6 DiG-T - Black
2017 - N-Connecta 1.6 DiG-T - Black


Christoff
Posts: 56
Joined: Sat Jun 13, 2015 5:28 pm

Re: Insurance advice

Post by Christoff » Thu Jul 19, 2018 5:45 am

Thanks. Decided to stick with Chris Knott.

The deal hunter in me really wanted to save more money, but just didn't feel as comfortable going with them because of the Trinity Lane reviews.

Still saving over £100 from last year though!


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actd
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Joined: Wed Aug 01, 2012 11:18 am

Re: Insurance advice

Post by actd » Thu Jul 19, 2018 8:26 pm

It's much easier to stay with CK instead of starting the process again. Having said that, I just got a quote from Direct Line that is around £100 cheaper than my CK renewal, so they are looking at it to see if they can come anywhere closer, and if they can come within a reasonable amount, I'll stick with them even if it doesn't save me, but if I do move, I'll be getting a quote from them next year. Good service counts for a lot.
2012 - Acenta Premium dCI - Gun metallic
2014 - Acenta Premium 1.2 DiG-T - Nightshade
2015 - Acenta Premium 1.6 DiG-T - Black
2017 - N-Connecta 1.6 DiG-T - Black


Christoff
Posts: 56
Joined: Sat Jun 13, 2015 5:28 pm

Re: Insurance advice

Post by Christoff » Thu Jul 19, 2018 8:55 pm

I've heard good things about Direct Line from a colleague, so if you do go with them, I'm sure everything will be fine. Though they always quote high for me, annoyingly.

But yeah, even though I've never had to claim, Chris Knott have great customer service and don't speak to me like they're a robot like other insurance companies do, which is nice!

CK came down on mine loads, but just couldn't beat the AF quote - I was somewhat surprised as they've always beaten other quotes for me, but it did go down a lot so maybe I expected too much.

I'll be getting a quote from AF again next year though - might help bring things down again!


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