So I just took out a policy with Flux Direct, who use a company called ERS to provide my cover. Initial quote was cheap, but scratching beneath the surface reveals what a shower of chancers this company are. Firstly, I receive e-mails asking that I provide everything from driver's licenses to scans of my logbook. I'd actually have to take a day off work to gather all the info they want and find a means of sending it to them. I had 14 days to provide this (the deadline was 13/2) however didn't get my proof of no claims from previous insurer in time, so I'm guessing they'll be throwing on a hefty charge - i'll await news of this tomorrow. After reading the small print I apparently might not be able to cancel the policy without getting stung for various admin fees, my hefty deposit and probably the sum total of the credit agreement. If only I'd searched just how bad this company was BEFORE taking out a policy. Appalling amount of 'proof' they need; treating customers like criminals from the outset isn't a great way to gain business. Surely all of this stuff would be supplied AFTER a claim has taken place? The company probably makes more out of admin fees and other hidden charges than they do out of policies.

Like jackslade I have been driving for many years and was never asked for anything except proof of no claims until recently when I was changing vehicle or insurance companies they requested the info you have been asked for.

To be honest I just sent  it to them, not really a problem for my point of view, this was not with the company you are with by the way, it was with 2 national insurance providers though, with good reputations.


dougie

Hi Jamie,

Firstly thank you for purchasing a policy via ourselves.

I am sorry to hear you have not had the smoothest start to the policy, we do request certain documents to back up information, especially if there has been discrepancies in previous quotes. This goes for most insurers, and it is done to ensure you are insured correctly.

If you can send me a PM with your policy number I can look into this for you and see if there is anything we can do to extend the timescale in which you have to return the proof of your NCB.

Kind regards,
Dan.

I got asked for my docs in the 2nd year, I just replied saying this is my 2nd year you already have them

I then received an email saying they had the docs  maybe its somebody being lazy or overly busy not too look into it ??