Insurance annoyances

[Ucof]

So I'm trying to get myself insured on my van and found a really good price with a company called Adrian Flux. When I rang them to see if I would get a cheaper premium by adding a named driver with full no claims bonus, I asked the man on the phone how much longer the quote I got will wait for before it expires, as I'm currently unemployed and finding it very hard to find the money at present, but really wanted the quote.

At which point he said:
"Oh, you're unemployed? I'm sorry, but we can't insure unemployed people"

I replied with "Why not?"

He says "the company who we get our quotes from don't insure unemployed people for social, domestic and pleasure purposes".

That didn't really answer my question, and I think he knew that and was just trying to weasel his way out of answering, so I politely thanked him and hung up.


So why the hell can't this company insure me just because I'm unemployed?
Do they think that because I don't have a job, it mean I'll be driving my car more and so I have a greater chance of crashing?
Surely if I pay in full, in one lump sum, there's no problem.
Can someone explain this for me please, I'm confused as to this as well as rather annoyed.

Thanks in advance.

[FredTransit]

I can't see how becoming unemployed will suddenly make you a bad driver, unless they think you can't afford maintenance. Have you tried saying you are self employed? Or just saying you have a job. It's not like you are lying about having a V12 or ally wheels or sommat! Avoind anything involving entertainment or the media, for some reason they attract BIG premiums. You can always cover yourself by 'becoming' unemployed a week later and not realise you had to tell them!

A mate of mine was once refused a bank account because she told the truth and said she was a housewife. When she went in again to the same bank and said she was a freelance writer they opened the account straight away!

[100 T280]

So I'm trying to get myself insured on my van and found a really good price with a company called Adrian Flux.

Called these today, the bloke couldn't get his head round the fact that I keep a van purely for SDP purposes....that isn't a camper......... Kept asking me "why did you buy one then!"

Some people just don't understand...he probably drives a blinged-up corsa or similar

Given them up now.

[Carpetcone]

Try Budget Insurance on line or via the telephone. They do insurance SDP, i.e. non business use, for vans, I'm with them. They also painlessly swapped over from my old P reg Mk 5 to my new 06 reg mk 6. Later they issued me with a new certificate when I did the registration change with no extra charge, though this is normally charged for. No harm in asking is there?!
I'm not sure about being unemployed, but give them a try and let us know the results.

You can always be creative without actually telling lies....between jobs, on a sabbatical etc etc

Steve

[lostpaul67]

Try Budget Insurance on line or via the telephone. They do insurance SDP, i.e. non business use, for vans, I'm with them. They also painlessly swapped over from my old P reg Mk 5 to my new 06 reg mk 6. Later they issued me with a new certificate when I did the registration change with no extra charge, though this is normally charged for. No harm in asking is there?!
I'm not sure about being unemployed, but give them a try and let us know the results.

You can always be creative without actually telling lies....between jobs, on a sabbatical etc etc

Steve

Just got a quote from them, comp, legal, protected ncb, breakdown, no excess £454

[Ucof]

Bugdet Insurance couldnt quote me as...

yes, you guessed it, I'm unemployed

[bazw]

i use them for my van and i am " house husband " , comes in a bit cheaper than unemployed just , but better in my pocket than theres

had some very funny reactions when i said it was a fishing van , took more time explaining it was to be used to transport my gear to a river bank or sea side than it did to get quotes most places i rung

budget just said SDP no problem

[Gavin]

adrian flux aka hyperformance aka a dozen other names are and have always been a bunch of crooks. they are the sort of agent who quotes you a price, sends you a covernote.....then after they have taken all your money or your first two installments.....send you a letter saying there was a mistake and the premium is now 20% more, and if you dont send them the difference within 7 days they will cancel your policy. another favorite scam is they will just keep sending you covernotes and not actually take out the policy on your behalf......be warned.

[Ucof]

Thanks for the warning Gavin. I thought I had learnt after dealing with a web hosting company called "Gisol" ( http://www.report-gisol.com/ - Im not linking to their official site as I don't want to help their google ranking, however I do want to help the anti gisol website page rank! You can read on that site the sort of crap they try to pull!), that I *REALLY* should always google for reviews..

Just saw these:
http://boards.thisismoney.co.uk/tim/thr ... read=81764
http://www.reviewcentre.com/reviews88578.html
http://www.ciao.co.uk/Reviews/Adrian_Fl ... e__5097705

It looks like I'll be digging around for other quotes then

The only good thing I found about Adrian Flux, is this: http://www.fluxbabes.co.uk/

Thanks again for the warning mate

[Britishbulldog]

You could also try yesinsurance.co.uk, whom i'm with,

just a thought

[the_big_fact_hunt]

you are not unemployed, you are a pencil tester for the government, you test the pencil, they give you the giro!!!

[wardy-uk]

Im with Adrian Flux I they have been brill with me, will go with them again if there cheap.

[andy a]

Me and the wife both used to insure through Flux's as their a local firm, until she had an uninsured muppet wipe her car out, they couldn't of been less helpful if they had tried, the policy she had through them was with Highways, their solicitor was crap, the couldn't get a courtesy car although her policy said she was entitled, I was told by them to hire a car and it would be reimbursed and it wasn't, the list goes on and on, over 6 months to get a settlement (but the unnsured driver who's fault it was got paid a claim against her inside 8 weeks), biggest bunch of tossers I've ever had the pleasure of dealing with...

[Starsky72]

I have used Adrian Flux for many years completely trouble free for everything from a Group 20 car to a van - always been spot on