Direct Line or Adrian Flux? 31 August 2016 at 12:38PM in Insurance & life assurance 5 replies 1.4K views

lloydyyy

Looking for some advice. My car insurance is due for renewal in a few days. The two cheapest quotes are:

Direct Line

• £150 accidental damage excess
• £10 windscreen repair excess
• £70 windscreen replacement excess
• £323 total premium - £30 cashback = £293 after cashback

Adrian Flux

• £250 accidental damage excess
• £25 windscreen repair excess
• £80 windscreen replacement excess
• £300 total premium

Both companies have offered a courtesy car, PNCB, legal cover and for the same estimated mileage.

My thoughts are - Direct Line is cheaper after cashback, but for a difference of £7, the policy with Adrian Flux would have to be cheaper with them or elsewhere come the next renewal. What are your thoughts?

paddyandstumpy

Ignoring the £23 difference (pre cashback); the DLG policy has lower excesses. For me, and for the sake of less than £2 p/m (pre cashback); I'd take the lower excess one.
Adrian Flux are a Broker, who is that policy underwritten by? And which policy has a higher Defaqto rating? That'll give you a steer as to which has better T's & C's

lloydyyy

paddyandstumpy wrote: »

Ignoring the £23 difference (pre cashback); the DLG policy has lower excesses. For me, and for the sake of less than £2 p/m (pre cashback); I'd take the lower excess one.
Adrian Flux are a Broker, who is that policy underwritten by? And which policy has a higher Defaqto rating? That'll give you a steer as to which has better T's & C's

The policy offered by Adrian Flux is underwritten by Markerstudy Ltd. Just checked their Defaqto rating; 1 star. I thought it would've been higher seeing as Adrian Flux are quite reputable.

paddyandstumpy

lloydyyy wrote: »

The policy offered by Adrian Flux is underwritten by Markerstudy Ltd. Just checked their Defaqto rating; 1 star. I thought it would've been higher seeing as Adrian Flux are quite reputable.

To me; that makes the decision easier. Defaqto is like hotel rating; 1-5 with 5 being the highest.

Flux are reputable, but all they do is facilitate the sale. Brokers don't always vet the products they sell.

lloydyyy

paddyandstumpy wrote: »

To me; that makes the decision easier. Defaqto is like hotel rating; 1-5 with 5 being the highest.

Flux are reputable, but all they do is facilitate the sale. Brokers don't always vet the products they sell.

I didn't think of the Defaqto ratings, in all honesty. I used to choose cover based on the price.

paddyandstumpy

lloydyyy wrote: »

The policy offered by Adrian Flux is underwritten by Markerstudy Ltd. Just checked their Defaqto rating; 1 star. I thought it would've been higher seeing as Adrian Flux are quite reputable.

Most do, you're not alone...
Let me liken it to another example; if you were offered tesco value baked beans for £X price, or Heinz baked beans for £Y price, where Y price was 7% more; which would you choose?