Laid-up Insurance, SORN Insurance and Build-up Cover from Adrian Flux
From kit cars being built to SORN insurance, cars laid-up in need of repairing, to ones you only use seasonally. Whatever your reason for keeping a vehicle off the road, Adrian Flux has the insurance for you.
There are all sorts of reasons that you might want to keep your car off the road but still keep it insured. Even when unused and parked in a garage, cars can be damaged by accident or by fire and can even be targeted by thieves and criminals. To help keep your motor intact whilst you aren’t using it, we have teamed up with our experienced panel of insurers to find the ideal laid-up insurance policy for you.
We are also able to offer insurance for cars that wont be used on the road, but aren’t laid-up. We have policies available for track cars, show cars and even purely off-road cars (vehicle must have a unique identification number, such as a chassis or engine number); as long as you wont be driving on the road you could get discounted insurance to help cover your motoring hobbies.
Laid-up Insurance Policy Features
With cover for almost any car and any situation, plus with a huge range of benefits available, there is no reason not to have cover from Adrian Flux. Below are just a few of the many features of our laid-up car insurance policies:
- Discounted rates with no third party or liability insurance needed when you are off the road, we could save you money compared to a standard policy
- Our laid-up and build-up insurances are available at two levels, fire and theft or fire and theft plus accidental damage, ideal to suit any budget and any need
- Access to our 24-hour claims line; making our helpful team available to you, whenever you need
- Cover for cars and bikes that aren’t road legal or that are used exclusively on private land, such as off-roading vehicles or racetrack cars (vehicle must have a unique identification number, such as a chassis or engine number)
- We can offer build-up insurance for cars that are off the road for repairs, customisation and modification helping to keep your project safe and protected
- Insurance for your vehicle even whilst it has a SORN applied. Many insurers will only cover you whilst you have an MOT and tax, but we can arrange a specialist policy to help when they wont
Along with our fantastic car insurance offerings, we also provide home insurance policies tailored to those who have laid-up cars and ongoing motoring projects. We have access to schemes which are able to cover any car parts or motoring tools kept in your house or garage, something that many other home policies wont cover perfect for when you are repairing or modifying your car at home.
The UK’s Largest Specialist Insurer
With over 50 years of experience, an extensive panel of insurers to draw from and a team of passionate, expert staff, Adrian Flux is ideally suited to help you find the perfect laid-up insurance.
Based in the UK, all of our helpful and friendly team members are on hand to help you get the quote you need, at a price you can afford. As motoring enthusiasts themselves, our staff can even help to answer any questions you might have about our laid-up and build-up insurance policies far more helpful than a comparison site or an automated phone line.
What is SORN and what does it mean?
SORN stands for statutory off-road notification. You should register your vehicle for SORN if you won’t be driving it. You should do this if you the following apply to you for even a short period of time:
- You’ve stopped taxing your vehicle
- You’ve stopped insuring it
- You’ve recently bought a car but don’t want to use it yet
While your vehicle is registered off-road, you’ll need to keep it on private property, such as a driveway or in a garage.
Get a Laid-up Insurance, SORN Insurance and Build-up Cover Quote
How long is a SORN valid?
You don’t need to keep renewing your SORN; it continues indefinitely until you no longer require it. In this case, you’ll need to update your SORN application.
How to SORN a car or other vehicle
Registering your car as off-road is an easy process. All you need to do is apply online through the SORN service website.
What is laid-up car insurance?
Laid-up car insurance – also known as SORN insurance – helps ensure that even when your vehicle’s off the road, it’s protected against dangers like fire or theft. Whilst SORN cover isn’t a legal requirement, it can pay to be cautious.
How much does laid-up insurance cost?
Laid-up insurance is generally a lot cheaper than regular car insurance as you won’t be using your vehicle on the roads. Simply give us a call on to get a free, no-obligation quote.
Does SORN automatically cancel my insurance?
No, if you want to cancel your insurance you’ll need to tell your insurance provider. You can leave your policy running or potentially reduce your policy to laid-up cover, which is generally cheaper. If you don’t have any insurance on the vehicle you won’t be covered for costs involved with fire, theft, vandalism or accidental damage, all of which a laid-up policy would help protect against.
If you are insured with us, give us a call on and we can talk to you about arranging a laid-up policy.
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 .
