Why choose Adrian Flux for car insurance?
With more than 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 more than 30 insurers.
Just like our other policies, cover can be tailored to suit your needs.
- Our understanding team is on hand to discuss your needs
- Discounts, including for experienced drivers and limited mileage policies
- Cover for all types of vehicles, including classics, hot hatches, high-performance vehicles, vans and much more
- Optional extras, including keycare and breakdown cover
- Bespoke quotes to suit your needs and budget
Get a Car Insurance for Drivers with Claims Quote
Will a previous claim affect the price of my car insurance?
Yes, most claims will affect your car insurance premium. The degree to which it increases depends on a couple of different factors: whether you made an “at fault” claim, and the severity of the claim itself.
If, for example, one of your side mirrors was damaged in a no-fault claim, the impact this would have on your car insurance premium would be a lot lower than if your car was written off in an at-fault accident.
How long do claims stay on your insurance?
You’ll likely need to declare any claims made in the last five or six years as most insurance companies check your claims history on a centralised database called the Claims and Underwriting Exchange (CUE). CUE holds records of claims for up to six years.
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.
Will a previous claim affect the price of my car insurance?
Yes, most claims will affect your car insurance premium. The degree to which it increases depends on a couple of different factors: whether you made an “at fault” claim, and the severity of the claim itself.
If, for example, one of your side mirrors was damaged in a no-fault claim, the impact this would have on your car insurance premium would be a lot lower than if your car was written off in an at-fault accident.
Do I have to declare claims I’ve made in the past?
Yes, you should always disclose previous accidents and claims you’ve made in the past, though you won’t need to disclose an accident if it happened decades ago. You’ll usually be asked about any claims you’ve made within a certain period of time, such as three or five years. This means you don’t need to declare any claims that occurred outside the specified time period.
Get a Car Insurance for Drivers with Claims Quote
How can I save money on my car insurance if I’ve made previous claims?
One of the best ways to save money on your car insurance when you’ve made claims and are facing high premiums is to reach out to a specialist insurance broker like us. We realise that your past doesn’t always reflect your future, so are usually better equipped at getting you affordable cover. Other ways you can save include:
- Choose a lower-powered car: if possible, opt for a vehicle with a smaller engine as these are generally less likely to be involved in an accident
- Take out black box insurance: this can be a good alternative if you’re struggling to get cover without a telematics device
- Join an owners club or forum: joining a car club could reduce your premium by up to 15%
- Start building up your no claims bonus: whilst this won’t help you straight away, it will help reduce your premium in the future
- Pay annually: this tends to work out as the more affordable option compared to paying monthly
- Increase your voluntary excess: this can help reduce your premium, but make sure that you choose a figure that you could comfortably afford if you needed to make a claim
- Reduce your mileage: as a general rule, the lower your mileage, the less you have to pay for insurance
FAQs
I’ve lost my private car NCB but have built up a no claims bonus on a company vehicle – can you accept this?
Yes, we can accept company car no claims bonuses on your private car in some situations; just let us know when you get a quote from us that you’ve built this up. Even if you’ve taken a break from driving and your NCB has expired, let us know and we can still help.