Pub Landlord and Bar Staff Insurance
Pub Landlord and Bar Staff Insurance
If you own a pub or bar, or even just work in one, you might find it tricky to get affordable insurance quotes from some brokers and insurers – and some might even refuse to cover you at all. Quite often, this is because insurers make assumptions about the people holding these jobs and their circumstances.
When it comes to car insurance, for example, having your car parked in a town or city over night or having it parked near where people are drinking which could increase its chances of being vandalised, damaged or even stolen. And the unsociable and long hours that you might need to work could have an effect on your home insurance premium too, with some insurers considering your house more of a risk of break in – especially if you live above the pub that you own.
At Adrian Flux, we do things a little differently and don’t make assumptions, taking you and your individual circumstances into account when we quote, rather than applying set computer rates and generic policies.
Bar Staff and Publican Car Insurance
Whether you drive a classic car or a family hatchback, Adrian Flux can find an insurance policy that meets your needs and your budget. With more than 50 years of experience of sourcing quotes, and a panel of 30 insurers to choose from, we’re experts in matching customers with the right policy, giving you the exact cover you need without breaking the bank.
Features of our club and bar staff car insurance include:
- A wide range of discounts, including owner’s clubs discounts, limited mileage policies, and money off for added security.
- Like for like replacement for modifications on your car.
- 90-Day cover for driving in Europe.
- Cover for classic cars, supercars, kit cars and more.
- Your choice of cover level, from third party to fully comprehensive.
- Legal protection cover included on every policy.
- Flexible payment options to help spread the cost.
Get a Pub Landlord and Bar Staff Insurance Quote
Get a free Pub Landlord and Bar Staff Insurance quote
Home Insurance for Bar Staff and Pub Owners
As the UK’s largest specialist insurance broker, and with decades of experience and teams of expert staff, Adrian Flux can help you to get home insurance that suits you and your home, without punishing you for your line of work.
Whether you’re living and working in the city, or need cover for your flat above the pub you own, we can tailor insurance to meet your needs and work with you to make sure everything you need is covered.
Some of the benefits of our bar staff home insurance are:
- A 24-hour helpline for home emergencies and making claims.
- Discounts when you take out both bar staff buildings and contents insurance.
- Homes of non-standard construction can be covered, as well as listed buildings.
- Accidental damage cover.
- Insurance for home businesses, including cover for your computer, phone, and other business property.
- Cover for running a B&B or short-rent property, such as AirBnB rentals.
- Publican home insurance for living above your pub or bar.
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.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
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.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
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 .
