What have you done to your Subaru today ?

[mattiekane]

Ok ,so Adrian flux have now said my policy isn't agreed value , although i had discussed the value with them and its plainly written on my policy , it's not "agreed value ".

So its now probably going to be written off [emoji34]

So apparently I've been paying nearly £600 per year for insurance on a £2.5k car , with listed mods .

So gutted i didn't re insure with green light this year . Fook you very much flux for not explaining the difference between value and agreed value !!!

Gonna check through my insurance details when i get back home today but its not looking good now [emoji53]

Have not not sold you a product under false pretenses then? As far and you where concerned you where buying product 'A' and they sold you product 'B'

Loud pipes save lives

[Gambit]

!Removed!

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[savage bulldogs]

I daren't say too much , as I'll probably end up being sued for slander the way my lucks been going .

But you can't blame me for being miffed at thinking my car was insured for the value that was on my policy when it has £5k + worth of mods listed on it .

Gonna have to sift through my last 4yrs worth of policies small print with them once i get home .

[Gambit]

All as bad as each other insurance companies.

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[GeoffLeggy]

26 minutes ago, savage bulldogs said:

I daren't say too much , as I'll probably end up being sued for slander the way my lucks been going .

But you can't blame me for being miffed at thinking my car was insured for the value that was on my policy when it has £5k + worth of mods listed on it .

Gonna have to sift through my last 4yrs worth of policies small print with them once i get home .
 

I was well happy for you when I saw they agreed everything and then the insurers strike!! Gutted mate but hope you find a way to come out of it ok. 

[savage bulldogs]

Spoke to a few people in the know and they think it's been undervalued so it can be sold as salvage .

Then they can recoup some money due to the ammount of parts on it , which adds up as they wanted to arrange collection this afternoon and thats the fastest response ive had during the past 2 weeks since the accident .

Looks like I'll be phoning the insurance omnibus tomorrow to get to the bottom of why a car with £5k+ of listed parts is only being valued at £2.5k .

In the meantime if anyone sees a add for a early jdm classic up for sale for over £4k , help me out and ping me a link pls . As i need to prove it's been undervalued by showing other jdm classic at a realistic value .

After all i'm sure that most of you know that i couldn't replace my car with the £2.5k they've offered me .

This is a opinion , not fact. So i am in no way being slanderous towards my broker or insurance company.

i am in no way suggesting that there is definitely something crooked going on but something doesn't add up. i think someone has overlooked something for my car and it's legal modifications to be valued so low .

Few pics of the old girl in her glory for other adds to compare it to.

[savage bulldogs]

[emoji848]

[stuartie]

Thats a bit **** poor matey, gutted for you, really hope you can get it all sorted out 

[Gambit]

I don't insure with them.
So ill say it their ****. [emoji23] and i could add another well known and used insurer to that list with initials KM.

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[Scoobyghost]

Does it start with k and end with eith Michaels? Have been previously insured by them. By not saying anything at all about them I also agree with what you say.

I am currently insured with flux though, rather worrying.

[Gambit]

Does it start with k and end with eith Michaels? Have been previously insured by them. By not saying anything at all about them I also agree with what you say.

I am currently insured with flux though, rather worrying.

Guessed it [emoji16] im with them at minute but wont be by renewal. And i wont go with flux either. Not sure what Steve the owner has with them and the clubs but might be worth trying to get another. I'll have words .

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[Scoobyghost]

Ha I think all insurers are the same. When it comes to paying out they'd all rather do you over than pay out. Never mind you've been paying £500/yr for the past 6yrs with them.

[Gambit]

Ha I think all insurers are the same. When it comes to paying out they'd all rather do you over than pay out. Never mind you've been paying £500/yr for the past 6yrs with them.

True. I always remember my old man used to say you only ever know how good an insurer is when it comes to paying.

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[savage bulldogs]

Although i do feel a bit mislead about what value my insurance is for , it's not flux that have valued my car and I'd urge anyone that has valued their own car to make sure that value is agreed , no mater who you are insured with .

 

I've found dan from flux more than helpfull in the past , after all he just works for a broker .

 

I'm gonna go through my receipts for every mod its got and add up the second hand parts cost .

 

Just hope that ERS (my insurer) comes back with a more realistic value before i get the insurance omnibus involved .

 

After being injured myself , watching my 2 daughter's in pain , my pride n joy wrecked , all through no fault of my own [emoji53]

 

I hope that the total cost of my mods maths don't cost me my marriage too [emoji849]

 

 

[kayzarh]

3rd gear gone boom just now!

[Gambit]

Always 3rd gear every gear box i kill its 3rd [emoji17]

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[Pottsy73]

16 hours ago, Pottsy73 said:

Scoob goes in for MOT later today... fingers crossed 

Well the old girl passed with no advisories... there was a lot of noise and revs in that there workshop 😂😂

[Pottsy73]

2 hours ago, savage bulldogs said:

Although i do feel a bit mislead about what value my insurance is for , it's not flux that have valued my car and I'd urge anyone that has valued their own car to make sure that value is agreed , no mater who you are insured with .

 

I've found dan from flux more than helpfull in the past , after all he just works for a broker .

 

I'm gonna go through my receipts for every mod its got and add up the second hand parts cost .

 

Just hope that ERS (my insurer) comes back with a more realistic value before i get the insurance omnibus involved .

 

After being injured myself , watching my 2 daughter's in pain , my pride n joy wrecked , all through no fault of my own

 

I hope that the total cost of my mods maths don't cost me my marriage too

 

 

Did you pay the extra £40 for the agreed value and send off a photo of every angle of the car when you insured it? 

Im with Flux and that’s what I’ve done the both years I’ve been with em, it’s a pain in the butt, but I hope it’s worth it if I need it one day 

the agreed value normally takes a week to come through after you insure the car

 

 

[Sandals]

I'm guessing a lot of people are going to ditch Flux from now on...

[Pottsy73]

Sounds like your better off just keeping the  insurance low and not claiming. Would it cost much to get the work done yourself through a body shop?

[Jay762]

Recieved a safety recall letter about brake fluid leaks due to possible corrosion.... inspection booked in Star Wars day

 

[savage bulldogs]

Well after a few phone calls today flux and ERS seem to have realised that there has been a massive oversight with my valuation .

So ERS (prompted by flux ) have verbally offered a cash settlement which should be enough to get my scoob back to how it was prior to the accident without being categorised (written off)

Although i now feel like both flux and ERS are doing the best they can for me (their customer for the past 7 yrs with 20yrs no claims) , i won't be 100% happy until i have their approval in writing .

So Fingers crossed she'll be back burbling soon now , thanks for all your comments and I'll keep you all posted on the final outcome 🤞

[Jay762]

hmmm well fingers crossed it comes through and quite rightly needs to be confirmed electronically or on paper

[Gambit]

Fingers crossed for you mate 🤞

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[stuartie]

Thats a bit of good news for you then matey but like you say you'll believe them when you have written confirmation, really hope it comes good and the motor is back on the road soon 😉👍