Direct Line or Adrian Flux?

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
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lloydyyylloydyyy Forumite
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edited 30 November -1 at 1:00AM in Insurance & Life Assurance
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?

Replies

  • paddyandstumpypaddyandstumpy Forumite
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    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
  • lloydyyylloydyyy Forumite
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    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.
  • paddyandstumpypaddyandstumpy Forumite
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    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.
  • lloydyyylloydyyy Forumite
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    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.
  • paddyandstumpypaddyandstumpy Forumite
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    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?
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