from Car Insurance Television

AN INDEPENDENT REVIEW OF ADRIAN FLUX CAR INSURANCE

CAR INSURANCE COMPANY: ADRIAN FLUX
Website: http://www.adrianflux.co.uk

Type: Adrian Flux is an Independent Insurance Broker offering a complete range of car insurance products including specialist car insurance, classic car insurance and motor insurance for every type of vehicle and driver in the UK.

We asked a large team of people to visit the Adrian Flux website and report back to us about how easy it was to use and whether the website offered all the car insurance services and covers they required as customers.

Our Car Insurance review team consisted of a wide cross section of the UK population, car makes and types , occupations and ages; the only common factor was that none of the team had bought car insurance online before.

The object of the car insurance review was to assess the ease of use, availability of online information, and the range of cover options and services offfered by the website; not just to compare car insurance quotes as available from an aggregator.

The Review

Q. Is the car insurance company currently offering any special discounts or offers?
A. No

Q. Is telephone help readily available from the web page?
A. Yes there is a contact page with email and building addresses and telephone numbers.

Q. Is there a claims section readily accessible?
A. Yes.

Q. Was it easy to find the quote page?
A. Yes very easy, and you were offered a phone option first so as to use an advisor.

Q. Was there an option to recall a previous quote?
A. Not obvious when you enter the site.

Policy Restrictions?

Q. Are there any restrictions to getting a quote?
A. No restrictions, Flux claim to be able to cover everybody.

Q. What are the minimum and maximum ages?
A. Minimum age is 17 but there is no maximum. Older driver schemes are available.

Q. Do they cover all professions?
A. Yes, they can cover professions that others will not touch such as Publicans, Footballers and Entertainers, who are perceived as high risk.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. All can be covered although you have to specify your modifications.

Q. Do they cover Northern Ireland (NI)?
A. Yes

Q. Are drivers with convictions covered?
A. Yes, drivers with both motoring and or other convictions can be covered.

Q. How many claims in the last three years are allowed?
A. There is no limit to previous claims and you can even be covered if you have had insurance previously refused.

Quote Data Collection – Get a Quote

Q. How many pages are there before you get a quote?
A. One quick simple form.

Q. Does the application find your address easily from the postcode?
A. It does not display your address after your post code

Q. What is the maximum number of NCD years allowed?
A. 9+

Q. Can you protect these?
A. Yes for an additional premium?

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. The Registration Number is not asked for to provide a quote.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. No choice was provided.

Q. Was the quote process easy to understand what the questions wanted? – Were there help boxes?
A. No help boxes, but straight forward enough questions to answer

Q. Were all the questions necessary?
A. Yes it appears so.

Q. Could you change things like voluntary excess to get a requote
A. No

Q. How long did it take to get a quote?
A. The question took only a couple of minutes but your quote is emailed to you and that took much longer.

Q. How many quotes were returned?
A. 1

Q. Do the quotes offered have different levels of cover?
A. No, you choose the cover you require on the form questionnaire.

Q. Can you go back and re quote?
A. No

Q. Cover – did you understand the levels of cover you were getting?
A. There was no description of cover levels on-line

Q. What additional covers were offered e.g Breakdown cover, glass cover etc.?
A. Additional benefits such as legal and breakdown cover are available as an additional option and details can be provided upon confirming a quotation by telephone.

Q. Are you offered the policy documents and key facts documents to read before you purchase?
A. No

Q. What payment methods are available?
A. All payment methods are available. Immediate cover is available subject to a payment. Monthly instalments are also an option and details can be provided upon confirming a quotation by telephone. Payments can be made by Mastercard, Visa, Switch or Solo cards.

General Thoughts and responses!

Q. How did you find the navigation? Was it easy to move around?
A. The site was easy to use

Q. Did you like or dislike this site? Why?
A. The site was visually unappealing and slow in emailing your quote. Many users didn’t understand that the quote was being personally prepared by a human and were expecting an on-line response.

Q. Was the Website quick or slow?
A. Quick to collect the information but slow in returning the quote. Some respondents complained they had to wait 25 minutes to receive a quote!

Q. Was the site easy to use?
A. Very Simple.

Q. Were the Quotes competitive?
A. On average the quotes were the most competitive returned for the range of vehicles tested. When provided with previous quotes offered by others including the major aggregators, Flux managed to come up with better offers on nine out of ten occasions. Many were surprised by the fact that going to a broker can be cheaper than visiting a price comparison site and you receive the benefit of humans at the other end of the phone!

Q. On a scale of 1 to 5 , 1 being hard to use and 5 being very easy – how would you rate the Adrian Flux car insurance site?
A. 4 – very simple to use but frustrating if you were waiting for a quote. Many suggested that perhaps the phone option is faster.