Wednesday, 21 April 2010

Quotezone Car Insurance Review

The Car Insurance Television independent car insurance review panel look at

CAR INSURANCE COMPANY: Quotezone
Website: http://www.quotezone.co.uk

Quotezone Car Insurance Review

About the Website - Quotezone are an independent company not associated to an insurance broker or insurance company. They provide a quote comparison system similar to the major aggregators.

Our Review Methodology
We asked a large team of people to visit the Quotezone website and report back to us with a questionaire about how easy the car insurance website was to use and whether the website offered all the car insurance services and covers they required as potential customers.

Our Car Insurance review team consisted of a wide cross section of the UK population, various car makes and types, occupations, driving histories and ages; the only common factor was that none of the team had bought car insurance online before we started the review process.

The object of the car insurance review was to assess the ease of use of the Quotezone site and availability of online information to aid purchasing cover. We specifically asked the team to look at the range of cover options, functionality and services offered by the site; and not just to compare car insurance quotes prices and premiums.

The Review

Q. Is the car insurance company currently offering any special discounts or offers?
A. None.

Q. Is telephone help readily available from the webpage?
A. Only a email address.

Q. Is there a claims section readily accessible?
A. No, Quotezone deals solely with quotes.

Q. Was it easy to find the quote page?
A. Very.

Q. Was there an option to recall a previous quote?
A. Yes.

Q. Are there any restrictions to getting a quote?
A. Yes but only a minimum age.

Q. What are the minimum and maximum ages?
A. The minimum age was 17 and no maximum was specified.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. Yes, they ask for details of mods and the cars origin so as to obtain a fair quote.

Q. Do they cover Northern Ireland (NI)?
A. Yes and the quotes for the region were very competitive.

Q. How many pages are there before you get a quote?
A. There was only one page but you were given questions individually in order to collect data and many respondents felt there were more questions than necessary.

Q. Does the application find your address easily from the postcode?
A. Yes.

Q. What is the maximum number of NCD years allowed?
A. There was no maximum.

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. Yes although the reg wasn’t necessary to proceed.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. 0-500 pounds.

Q. How many accidents are you allowed?
A. You just had to give details of all accidents.

The Car Insurance Cover


Q. Did you understand the levels of cover you were getting?
A. There were no explanations when you choose your cover level.

Q. What additional covers were offered eg Breakdown cover, glass cover etc?
A. Each company offered different additions.

Q. Were these covers included or do you have to pay extra?
A. These were inclusive.

Q. Could you remove specific covers to make the quoted premium cheaper?
A. No.

Q. Can you save the quote to return to this site later?
A. Yes you had to set up an account in the contact section of the questions.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. Not until you are directed to the site of the policy you choose, but yes before purchase.

Q. What payment methods are available?
A. You had links next to the quotes which gave details of finalizing your quote with the selected insurer.

Quotezone Car Insurance

Q. Are you still at the same site or have you been passed to the insurance company site to complete the purchasing?
A. You were directed to specific sites to finalize the process.

Overall

Q. Was it easy to understand what the questions wanted? – Were there additional help boxes?
A. There were useful advice bubbles on some questions.

Q. Were all the questions necessary?
A. It was widely felt that there were too many contact questions and you had to give answers to proceed.

Q. Could you change things like voluntary excess to get a requote
A. No you could not requote without going back through the questions.

Q. How long did it take to get a quote?
A. On Average about 10 mins.

Q. How many quotes were returned?
A. On Average - 77 but several brokers offered multiple quotes

Q. Were the quotes competitive?
A. You are offered a range of quotes, some of which were very competitive!

Q. Do the quotes offered have different levels of cover?
They were all comprehensive but had different extras dependent upon the company quoting.

Q. How did you find the navigation? Was it easy to move around?
A. The site was very clear and the navigation straightforward but slightly misleading as to the process of finalising the quote.

Q. What did you like or dislike about this site and Why?
A. The most general complaint from nearly all our respondents was that "it bragged only one question page but failed to mention it was 4 time larger than a usual page, and you are then sent off to another site".

Another major criticism voiced by many in the survey team, was that it claimed to get quotes from 90 insurers but on average 13 did not return a quote and the other 77 contained many multiple quotes from the same insurer.

Q. Was the website quick or slow?
A. On average - Fairly slow.

Q. Was the site easy to use?
On a scale of 1 to 5, 1 being hard to use and 5 being very easy - how would you rate it?
A. 3.5 - The site seemed straightforward with good quotes returned, but functionally it turned out less then it claimed in certain areas.

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Tuesday, 20 April 2010

Adrian Flux Car Insurance Review

AN INDEPENDENT REVIEW OF ADRIAN FLUX CAR INSURANCE

The Adrian Flux Car Insurance Review



CAR INSURANCE COMPANY: ADRIAN FLUX
Website: http://www.adrianflux.co.uk

Type: Adrian Flux is an Independent Insurance Broker offering a complete range of car insurance products including specialist car insurance, classic car insurance and motor insurance for every type of vehicle and driver in the UK.

We asked a large team of people to visit the Adrian Flux website and report back to us about how easy it was to use and whether the website offered all the car insurance services and covers they required as customers.

Our Car Insurance review team consisted of a wide cross section of the UK population, car makes and types , occupations and ages; the only common factor was that none of the team had bought car insurance online before.

The object of the car insurance review was to assess the ease of use, availability of online information, and the range of cover options and services offfered by the website; not just to compare car insurance quotes as available from an aggregator.

The Review

Q. Is the car insurance company currently offering any special discounts or offers?
A. No

Q. Is telephone help readily available from the webpage?
A. Yes there is a contact page with email and building addresses and telephone numbers.

Q. Is there a claims section readily accessible?
A. Yes.

Q. Was it easy to find the quote page?
A. Yes very easy, and you were offered a phone option first so as to use an advisor.

Q. Was there an option to recall a previous quote?
A. Not obvious when you enter the site.

Policy Restrictions?

Q. Are there any restrictions to getting a quote?
A. No restrictions, Flux claim to be able to cover everybody.

Q. What are the minimum and maximum ages?
A. Minimum age is 17 but there is no maximum. Older driver schemes are available.

Q. Do they cover all professions?
A. Yes, they can cover professions that others will not touch such as Publicans, Footballers and Entertainers, who are perceived as high risk.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. All can be covered although you have to specify your modifications.

Q. Do they cover Northern Ireland (NI)?
A. Yes

Q. Are drivers with convictions covered?
A. Yes, drivers with both motoring and or other convictions can be covered.

Q. How many claims in the last three years are allowed?
A. There is no limit to previous claims and you can even be covered if you have had insurance previously refused.

Quote Data Collection - Get a Quote

The Adrian Flux Car Insurance Review


Q. How many pages are there before you get a quote?
A. One quick simple form.

Q. Does the application find your address easily from the postcode?
A. It does not display your address after your post code

Q. What is the maximum number of NCD years allowed?
A. 9+

Q. Can you protect these?
A. Yes for an additional premium?

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. The Registration Number is not asked for to provide a quote.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. No choice was provided.

Q. Was the quote process easy to understand what the questions wanted? – Were there help boxes?
A. No help boxes, but straight forward enough questions to answer

Q. Were all the questions necessary?
A. Yes it appears so.

Q. Could you change things like voluntary excess to get a requote
A. No

Q. How long did it take to get a quote?
A. The question took only a couple of minutes but your quote is emailed to you and that took much longer.

Q. How many quotes were returned?
A. 1

Q. Do the quotes offered have different levels of cover?
A. No, you choose the cover you require on the form questionnaire.

Q. Can you go back and requote?
A. No

Q. Cover – did you understand the levels of cover you were getting?
A. There was no description of cover levels online

Q. What additional covers were offered eg Breakdown cover, glass cover etc?
A. Additional benefits such as legal and breakdown cover are available as an additional option and details can be provided upon confirming a quotation by telephone.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. No

Q. What payment methods are available?
A. All payment methods are available. Immediate cover is available subject to a payment. Monthly instalments are also an option and details can be provided upon confirming a quotation by telephone. Payments can be made by Mastercard, Visa, Switch or Solo cards.

General Thoughts and responses!

Q. How did you find the navigation? Was it easy to move around?
A. The site was easy to use

Q. Did you like or dislike this site? Why?
A. The site was visually unappealing and slow in emailing your quote. Many users didn't understand that the quote was being personally prepared by a human and were expecting an online response.

Q. Was the Website quick or slow?
A. Quick to collect the information but slow in returning the quote. Some respondents complained they had to wait 25 minutes to receive a quote!

Q. Was the site easy to use?
A. Very Simple.

Q. Were the Quotes competitve?
A. On average the quotes were the most competitive returned for the range of vehicles tested. When provided with previous quotes offered by others inlcuding the major aggregators, Flux managed to come up with better offers on nine out of ten occasions. Many were surprised by the fact that going to a broker can be cheaper than visiting a price comparison site and you receive the benefit of humans at the other end of the phone!


The Adrian Flux Car Insurance Review


Q. On a scale of 1 to 5 , 1 being hard to use and 5 being very easy - how would you rate the Adrian Flux car insurance site?
A. 4 - very simple to use but frustrating if you were waiting for a quote. Many suggested that perhaps the phone option is faster.

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