We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Direct Line or Adrian Flux?

Options
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?

Comments

  • 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
  • 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.
  • 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.
  • 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.
  • 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?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.7K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.4K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 256.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.