Why should I choose Adrian Flux?
Whilst your poor credit could automatically get you rejected by online comparison sites, there’s nothing automated about Adrian Flux. We work on a case-by-case basis over the phone. This means we listen to the individual circumstances that have led to a CCJ or bankruptcy, meaning we can quite often provide you with insurance where other companies cannot.
As an insurance broker, we work with a range of specialist insurers that are more open to insuring those with a poor credit history. Whether you’ve only recently been issued a CCJ or you’re nearing the end of the six-year period it remains on your record, give us a call. We offer cover for a variety of situations.
Does a CCJ affect home insurance?
A CCJ is entered onto the Register of Judgments, Orders and Fines and remains there for six years. Even if you pay the CCJ off before it is spent, it’ll remain on your record. This means lenders and insurers will be able to see the CCJ when they perform a credit check.
As a result, insurers will either refuse to insure you or will charge you extortionate amounts to counteract the risk involved with doing so. Thankfully, as we work closely with our panel of insurers, we’re able to get you quotes you wouldn’t otherwise find online.
Can I get house insurance with a CCJ?
You can still get household insurance, though you might be limited by the number of insurers who will work with you.
We know that owning your own house is a massive step. That’s why we aim to offer you affordable cover whenever possible.
Landlord insurance for a tenant with CCJ
We offer rent guarantee insurance for landlords, which would cover you in the event that your tenant isn’t able to pay their rent. If they have poor credit, let us know and we’ll do everything we can to get you the right legal cover.
Landlord insurance with CCJ
As a landlord, poor credit can be a huge barrier to your business. After all, you still need to protect your let property. Speak to us about your situation and we might be able to help.
Homeowners insurance after bankruptcy
Whilst bankruptcy is often a good way of clearing your debts, it can have serious repercussions on your ability to get credit. At Adrian Flux, we understand you’re probably facing many barricades in your daily life already, which is why we try our best to get you insurance even when others aren’t able to.
Get a Home Insurance: Poor Credit, CCJ or Bankruptcy Quote
FAQs
Do I have to tell my insurance company about bankruptcy?
Yes, you must disclose bankruptcies and CCJs. These remain on your credit report, so it’s likely that if you try to make a claim, your insurance company will find out anyway. As a result, they’re likely to cancel and void your insurance policy, putting you in a much worse position than if you were simply upfront about your situation at the beginning.How long do I have to disclose bankruptcy for insurance?
This depends on the insurance company or broker, as some ask if you’ve ever been bankrupt. For the most part, insurers offer normal insurance terms six years after you’ve declared bankruptcy. This is also the amount of time the bankruptcy remains on your credit history.Why does bankruptcy affect house insurance?
Essentially, because you’re seen as a bigger risk if you’ve declared bankruptcy. Most insurers believe that you either haven’t been employed consistently or you have poor spending habits. As a specialist insurance broker, we view you a little differently. Instead, we realise that mistakes can be made and if you’ve declared bankruptcy, you’re more likely to pay instalments on time to prevent further issues with your credit. This is why we’re able to provide such great-value insurance policies.Does bankruptcy affect car insurance?
It can affect whether or not insurance providers will insure you. Thankfully, we’re an insurance broker specialising in non-standard situations for cars too. Give us a call on for more information!Can I get car insurance with a CCJ?
Yes, we offer CCJ car insurance for those with a County Court Judgements. Facing high car insurance premiums? If so, we’re here to help! Our personalised service ensures you get the insurance you need.
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
