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They're cheap as toast, but you won't get a penny back towards your modifications if you write it off! Though I *WAS* with Adrian Flux and then were crap - pulled the exact same card on me after I wrote off the Coupe, so much for "your modifications are insured with us" ****** that they sold me on.
IMO, 'flux were just as bad as elephant, but cost a few hundred quid extra for the year. I think all insurance co's are a bit dire if you ever need make a claim...
I didn't buy it back, I had a incredible about of aggravation with them, and was totally demotivated by the whole experience. I was temped to sell the car after I had been paid out as I had it left in my garage for 7 months. I was advised to leave it outside the house with the keys in it and someone would "pick it up at some point", despite the fact it drove.
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