cheshire911
Portimao
- Joined
- 10 Jun 2012
- Messages
- 4,030
I received a flyer from Adrian Flux who I understand are specialists for high performance and classic cars. I had approached them for an Insurance quote last year but did not take a policy from them. They had obviously retained my details so the usual direct marketing - offering '5 great reasons to come back to Adrian Flux'. I should add they do not advertise on this Forum and I think it was on Piston Heads where I may have seen them.
When I rang them, I was surprised to be asked what I paid for the car.
I said it was irrelevant and that I have an independent valuation which I am happy to share and supply. The salesman said we ask what you paid for it and then we ask what its worth. I said what I paid for it is irrelevant and that the only reason why this is asked in my view is so that in the event of a total loss the insurer argues and knocks down the agreed valuation. It is of no relevance to ask what the car was purchased for - I may have received the car free as an inheritance or I may have paid a bankrupt director £1 for the car.
At that point it got heated, I told them I would never deal with them or anyone else that asks such a question and told them never to contact me again. I said that I thought this asking for what a person paid for a car is wholly irrelevant as the Insurance is undertaken on the basis of a valuation not a purchase price.
I will NEVER have anything to do with them again and have sent them an email instructing them to remove me from their marketing database and to confirm in writing when they have done so.
BEWARE guys anyone who asks during a quotation process what you paid for the car. Valuing a Porsche when assessing a claim is not like opening a Glass's or CAP Guide for a Ford Mondeo as each car has to be judged on history, condition, mileage and specification. That's the reason for me to have opted for an Agreed Valuation basis in the event of a total loss. What the car was purcahsed for does not and should not come into it when assessing for an Insurance quotation.
(Edited to give further clarity)
When I rang them, I was surprised to be asked what I paid for the car.
I said it was irrelevant and that I have an independent valuation which I am happy to share and supply. The salesman said we ask what you paid for it and then we ask what its worth. I said what I paid for it is irrelevant and that the only reason why this is asked in my view is so that in the event of a total loss the insurer argues and knocks down the agreed valuation. It is of no relevance to ask what the car was purchased for - I may have received the car free as an inheritance or I may have paid a bankrupt director £1 for the car.
At that point it got heated, I told them I would never deal with them or anyone else that asks such a question and told them never to contact me again. I said that I thought this asking for what a person paid for a car is wholly irrelevant as the Insurance is undertaken on the basis of a valuation not a purchase price.
I will NEVER have anything to do with them again and have sent them an email instructing them to remove me from their marketing database and to confirm in writing when they have done so.
BEWARE guys anyone who asks during a quotation process what you paid for the car. Valuing a Porsche when assessing a claim is not like opening a Glass's or CAP Guide for a Ford Mondeo as each car has to be judged on history, condition, mileage and specification. That's the reason for me to have opted for an Agreed Valuation basis in the event of a total loss. What the car was purcahsed for does not and should not come into it when assessing for an Insurance quotation.
(Edited to give further clarity)
