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What have you done to your Subaru today ?


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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

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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 .

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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. 

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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.
8b8756773fb3af844922ccf594ae5fc8.jpgc34c444c797c6d77c34e0408ef7f7839.jpgfcfdc3667f872faaaed995efab912618.jpgfd661f0e80f439e7ec48b6dd84f05794.jpg795a7124f2ceae05b8a8ebab06fdb444.jpg

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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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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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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]

 

 

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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 😂😂

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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 emoji53.png

 

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

 

 

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

 

 

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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 🤞

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