Who can be covered?
Essentially, if you’ve been refused cover or quoted a high insurance premium because of your driving history, we can usually cover you. This includes:
- People with driving convictions and points on their licence
- Those who have made claims
- Previously suspended licences
- Those who were involved in an accident
Get a Car Insurance for Drivers with a Bad Driving Record Quote
Why get car insurance with Adrian Flux?
With over 50 years of experience, we offer flexible and competitive quotes for all circumstances, sourcing the best available scheme from among the many offered by our panel of over 30 insurers.
Just like our other policies, our car insurance for those with a poor driving record can be tailored to match your needs.
- Our understanding team is on hand to discuss your needs
- Flexible payment plans depending on your circumstances
- Discounts, including for experienced drivers and limited mileage policies
- Cover for all types of vehicles, including classics, hot hatches, performance vehicles, vans, and more
- Optional extras, including keycare and breakdown cover
- Bespoke quotes to suit your needs and budget
Do I have to declare my driving convictions?
Yes, it’s important that you declare any driving convictions and points on your licence if they haven’t been spent. Not doing so could invalidate your insurance policy, meaning you’d have to pay out of pocket for a claim.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Does having points on my licence affect insurance premiums?
Unfortunately, having points on your licence can impact your insurance premium and could prevent you from finding coverage altogether. We know how worrying this can be, especially if you depend on your car for work, school runs, or any other aspects of your life.
Thankfully, in a lot of cases, we’re usually able to provide you cover, sometimes with little or no increase to your premium, depending on your driving record. We’re always a call away, with an understanding human at the end of the line to help you find cover.
How to get affordable insurance with a bad driving record
Whilst the points on your licence could increase your premium, we can compare quotes from insurers to find you companies that specialise in covering drivers with previous convictions. This usually results in us being able to source cover at a price that’s comparable to quotes you received before you got the conviction.
Another solution is black box insurance. If you’re eager to prove that you’re a safe driver following a motoring conviction or accident, telematics cover is a great option and is particularly suited to drivers who are considered a higher risk. Driving safely can help reduce your premium by up to 60% on renewal, and our telematics policies don’t limit you in the ways that most policies do.
Get a Car Insurance for Drivers with a Bad Driving Record Quote
Can I get car insurance as a young driver with a bad driving record?
Age and previous record should not prevent you from having access to car insurance. Our insurance experts analyse your precise needs to offer insurance for young drivers too.
Can I get cover if I’ve previously been banned or disqualified from driving?
If you’ve been disqualified from driving because you’ve totted up 12 or more points within three years, or you’ve received an instant driving ban for dangerous or reckless driving, you might find that even after serving the ban in full, you struggle to find cover.
Here at Adrian Flux, we understand that a previous ban or disqualification won’t automatically make you a more reckless or dangerous driver when you get back behind the wheel again – especially if your job’s on the line. That’s why we offer specialist car insurance for banned drivers that’s tailored to your needs and situation. Give us a call to speak to our team.
