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aka_dk
Experienced



Joined: 21 Jul 2009
Posts: 2991


PostPosted: Tue Jul 05, 2011 8:06 pm  Reply with quoteBack to top

ANDYRACER wrote:
Oh there is a surprise, someone else get shafted by Adrian Flux  

I wouldnt insure sod all threw the cowboys, they dont give a toss apart from taking your money.


+10000000000000000000000000000000000000000000000000000000000

w@nkers

(speaking from experience)
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DAN@ADRIAN FLUX
Learning



Joined: 16 Apr 2011
Posts: 87


PostPosted: Thu Jul 07, 2011 10:59 am Reply with quoteBack to top

MilkybarKid,

Just to clarify, ULR (Uninsured Loss Recovery) is the company that handles our claims activity, which is minimal as a broker, on our behalf.

Insurance companies do have arrangements with other organisations to minimise storage charges and the vehicle only becomes the property of an insurance company when they have made a total loss payment to the policyholder. While the claim is being processed, the vehicle is the responsibility of the policyholder.

Our records indicate that since the inception of the Equity Red Star policy in July 2009 your vehicle has been covered on a market value basis. I have reviewed the recording of the conversation in which you provided the details and we arranged the cover. There was no request by you or suggestion from us that the vehicle would be covered on an agreed value basis. Furthermore I can find no advices to suggest that we gave you the impression the vehicle would be covered on an agreed value basis. The agreed value could not be “carried over” at renewal, as it was not present in the first place.

If the third party insurer accepts liability for the claim and reimburses your insurance company all of their costs, the claim will be settled on a non-fault basis and you no claims bonus will be reinstated.

Our records indicate that the original term of insurance, from 2009, was being funded via a finance agreement. As a result, the 2010 renewal was also based on the cover being funded via a finance agreement. Our records do not indicate that you paid the first term of insurance in full. It is not Adrian Flux’s policy to transfer customers onto a finance agreement.

The vehicle was being covered with its modifications, on a like for like basis, and as a result the insurance company’s offer should be on the basis of a modified vehicle. Typically the insurance company will start with the value of an unmodified example and increase the offer to take into consideration the modifications. Please note that the modifications are not covered on a new for old basis and an offer will not take into consideration labour costs for the modifications. For example if the vehicle had alternative alloys on the vehicle for three years, the insurance company should consider the value of three year old used alloys wheels.

Dan
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MilkybarKid
Experienced


Car: Mk2 Golf
Power: 537hp
Torque: 560lb.ft

Joined: 08 Sep 2008
Posts: 2840

Location: Under the car...

PostPosted: Fri Jul 29, 2011 12:18 pm Reply with quoteBack to top

Sorry mate, missed this until now, have been out of the country for 3 weeks.

You are right, looking back it was paid by installments.

Can the recordings be made available?
When you say conversation, I take it you mean one call in which the cover was finalised? There was more than one call either made or recieved.

I appreciate you taking the time to look through this.

_________________
"In theory there is no difference between theory and practice. But, in practice, there is." Einstein.
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DAN@ADRIAN FLUX
Learning



Joined: 16 Apr 2011
Posts: 87


PostPosted: Mon Aug 01, 2011 9:32 am Reply with quoteBack to top

MilkybarKid wrote:
Sorry mate, missed this until now, have been out of the country for 3 weeks.

You are right, looking back it was paid by installments.

Can the recordings be made available?
When you say conversation, I take it you mean one call in which the cover was finalised? There was more than one call either made or recieved.

I appreciate you taking the time to look through this.


Yes, call recordings can be made available.

Cheers,

Dan
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