Why choose Adrian Flux for fairplay insurance?
Our highly trained, understanding staff take your individual circumstances into account. As a result, we don’t just assume the worst-case scenario. Whether you need cover for your home, your vehicle, or both, speak to us for a quote.
Car insurance for ex-offenders
Finding car insurance when you have criminal convictions can be a real hassle, especially when some insurers give you an automatic “no”.
At Adrian Flux, we offer flexible and competitive quotes for drivers with criminal convictions, sourcing the best available scheme for you from amongst the many offered by our panel of insurers.
With a wide range of fairplay insurance schemes available, we can cover almost any combination of vehicle and driver.
Get a Fairplay Insurance for Ex-Offenders Quote
Home insurance for people with criminal convictions
Getting home insurance with a criminal conviction can be an ordeal. With so many companies refusing to offer cover it can be tempting not to disclose your unspent convictions, but this can cause further issues as insurers often perform checks at every stage – from quote to claim.
But a criminal conviction doesn’t need to be a barrier to getting the right cover for your home and its contents. Here at Adrian Flux, we work with a range of insurers to offer insurance that’s tailored to your individual situation and needs, so you can sleep easy in the knowledge that your most precious possessions are covered.
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 From £19.99
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 .
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Which convictions do you cover?
Over 11 million people in the UK have a criminal conviction. No matter how minor, this can affect your ability to get home or car insurance. We offer cover for a wide range of criminal convictions, including:
- Individuals who’ve spent time in prison
- Unspent convictions
- Cautions
- Motoring convictions
FAQs
What are non-motoring convictions?
A non-motoring conviction is a conviction that is not related to driving. Adrian Flux can offer competitive quotes to those with criminal records, including for those who have a conviction for minor offences or serious crimes.
Do I have to declare non-motoring convictions for car insurance?
Most insurers will ask you if you have any unspent non-motoring convictions when you try to get a quote. This is because some insurance companies consider you a higher risk of you have been found guilty of committing certain criminal offences. As a result, you should declare any unspent convictions.
Can car insurance companies check criminal records?
Yes, they can. Often car insurance companies check criminal records if you make a claim. If you aren’t upfront about any unspent convictions you have, this could put your policy at risk when you make a claim.
Do I have to declare criminal convictions for home insurance?
Yes, if they are unspent convictions. Not declaring these could result in your buildings and contents insurance being cancelled by your insurance company, which can make it more difficult to find cover in the future. It’s important that you’re honest about any unspent criminal convictions as not doing so will put your cover at risk.
Do I have to declare my partner’s criminal conviction for home insurance too?
This depends on whether your partner’s conviction is spent or unspent. If your partner has any unspent criminal convictions and you plan on living together, you must declare any that they have.
Are there any insurance companies that don’t ask about criminal convictions?
This is quite rare, and sadly as soon as you declare a criminal conviction, this usually results in your premiums going through the roof. Some companies may even refuse to insure you altogether.
Here at Adrian Flux, we do things a little differently. We know that your past is not necessarily a guide to your future. So, as experts in finding cover for all types of specialist and unusual situations, we can arrange fairplay insurance for your car or home.
My home insurance was previously refused. Can I still get insurance from you?
This will depend on your specific case, but in most circumstances we can cover you. We work with a wide range of both niche and well-known insurers to cover a variety of situations. Give us a call to find out more.