Great rates for Practical Classics readers
- We were the pioneers of limited mileage policies, giving classic car owners comprehensive insurance at a fraction of the previous cost.
- We also introduced Cherished policies that can lower premiums on cars as little as 5 years old.
- We insured kit cars when no-one else would.
- We offer agreed value cover.
- We offer laid up cover for your projects.
- Members of most Owners Clubs and forums can also benefit from discounts of up to 15%.
We offer flexible and competitive quotes for all circumstances, sourcing the best available scheme from amongst the many offered by our panel of over 30 insurers. Why waste your time ringing round dozens of companies when we can do it for you? If you do ring round, come to us last – we will do our very best to beat the cheapest quote you get.*
Get a Classic Car Insurance – Practical Classics Readers Quote
Classic Car Insurance
What constitutes a classic car can sometimes be a matter for dispute, but you will find that we have a broader definition than most of our competitors, which includes cars as young as 5 years old. We can arrange great classic car cover whether your car is a Vauxhall VX220, Austin Seven or even a trusty Ford Cortina.
Whether you bought your car as a ‘project’, a hobby or simply to have fun driving in, we understand the particular needs that classic car owners & hobbyists have from an insurance policy. That’s why we offer:
- Agreed value cover – many insurers will only pay out the ‘market value’ of your car if you suffer a total loss – absolutely gutting if you’ve spent thousands bringing it up to mint condition. We can assess your car and agree cover for its true value, so you won’t get a nasty surprise if you need to make a claim.
- Laid up policies – so your projects are fully protected from theft or mishap.
- Limited Mileage discounts – the fewer miles you drive, the more you can save, from as little as 1,500 miles.
- Wedding Hire cover – can be arranged on application.
- Track Day / Rally cover – can be arranged on application, depending on the policy taken.
- Owner’s Club Discounts – If you belong to a recognised owners club or enthusiasts’ forum, you will receive a discount of up to 15%, depending on the policy taken.
- Modified Classics – Almost all modifications can be covered on a like for like basis.
Our staff are all seasoned insurance experts and will calculate your premium individually, using their expert knowledge of the many insurance schemes on offer. When you call us you will be speaking to a knowledgeable enthusiast, based in the UK, rather than a computer rate from a foreign call centre, which doesn’t know a Morris Marina from a Vauxhall Viva.
Quicker & Cheaper rates by phone – complete the call me form during office hours for an immediate, no-obligation quote.
* On a like for like basis, subject to normal underwriting acceptance.
** Sample quotes are for comprehensive premiums for a male driver with a clean license and full No Claims Bonus (unless stated otherwise) and limited mileage of 3000 miles. Quotes for 5000 miles would add approximately 15% to the premium. These illustrative quotes, valid as at 29/03/2006, are provided for information only and do not form the basis of any contract or tender.
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.
SORN & Build Up Cover
Laid-up Insurance, SORN Insurance and Build-up Cover
Even when your car is unused and parked in a garage, it can be damaged by accident or by fire and can even be targeted by thieves and criminals. To help keep your motor intact while you aren’t using it, we can offer laid-up insurance.
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, we can find you cover.
We are also able to offer insurance for cars that won’t 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 won’t be driving on the road you could get discounted insurance to help cover your motoring hobbies.
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 .
