Flux are idiots. Don't waste your time with them.
Footman James seem to be the best people for quotes. I went to all of the exhibitors at the NEC Classic and they were by far and away the cheapest.
From what I've been hearing about Flux from other owners, they're either excellent, or godawful. Sadly my experience with them falls very strongly into the latter category.
I'll give you a quick run through of the comedy of errors that have made up my Amazon policy.
1. They cock up the new policy I've taken out by losing my documents. The finance company mandate turns up but the confirmation letter from Flux doesn't. I don't hear anything from Equity Red Star either.
I received a terse and somewhat confused letter from Flux saying I hadn't submitted my payment or address details and that they were going to cancel my policy when Premium Credit had clearly taken the job case and had the remittance.
A strongly worded letter sorted that one out. I was told my policy documents would be in the post.
1a. Then for some reason, Flux lost the ability to communicate by post. I rang them to say the finance agreement had gone through but I had no documents. They 'send' them out again.
2. I ring Flux again to say my 'new' documents hadn't arrived. They 'send' them out again.
3. Two weeks later I've paid the first installment and they have my deposit, but no documents. I ring up Flux again and demand they send me my documents because I was going on a long trip down to Bristol in the Volvo and knowing my luck I'd get a producer. I was not impressed by the agent's dismissive platitude :
'Well, it doesn't matter, PNC will show you're insured'.Yes, because I'm sure the police would be
very impressed if you turn up at the babylon zoo with your MOT but then claim
'I can't show you the documents because my insurer can't work out how to use a postbox'. 4. I've lost my rag with Flux and their incompetence and ring them up again out of exasperation.
The woman on the phone offers to send the documents out again by recorded delivery, but Flux won't pay for it because they've sent the documents out to me three times previously, reckons my mate Chinny.
My argument that it could be 17,000 times and a barn dance round a sack of p1ss for all I know (because I still don't have my documents) falls on deaf ears.
I pay for recorded delivery and 8 days later (!) my documents turn up. At this point my complimentary tax disc holder has fallen off the window so I drive the Volvo over it as a symbolic gesture.
5. Fast forward 12 months to the end of my policy. It's coming up to renewal time and I think it a bit weird that Flux have arbitrarily taken £280 out of my bank account.
After tracing it back I realise that they've taken the new policy out without telling my by post or email.
The first I know of it by hard copy is when a mandate from Premium Credit turns up. They're
delighted that I've continued my cover and have celebrated by taking a
further £34.02 out of my bank account at the behest of Flux.
The penny drops and I go ballistic. I work in FOH customer advisory anyway so the boot is truly on the other foot. I run out of metaphors to describe my distaste for their appalling service about 3 minutes into the conversation, and after my ears have been assailed by their irritatingly winsome IVR.
A refund is duly arranged and three more calls are needed to Flux and Premium Credit to make sure everything has been refunded.
My finances are awash in the slack refund lead times typical of a large company. Luckily I could afford to pay my bills still.
It turns out that during my previous conversations with Flux they'd decided to switch my notifications to email only, after I'd had enough of their incompetent mailing team.
The trouble was, the emails didn't get through either. Hence my blissful ignorance of the situation until it was too late.
6. Yesterday I received my refund, together with the rarest of rare things, a LETTER from Flux themselves confirming my no claims bonus and a mysterious coversheet asking me to surrender the new policy document. This doesn't exist because they never sent me one.
I'm still waiting on the refund from Premium Credit.
I realise that berating a large company about the quality of their service has become something of a British pastime, but for a broker that advertises so heavily in the classic, modified and mainstream car press, their standard of correspondence and customer care is unremittingly terrible.
I can't recommend them if I'm being honest.