Why get young driver insurance with Adrian Flux?
Saving up for a new set of wheels plus insurance can be a slog. Let’s face it, you’re getting older and want to be more independent, but you didn’t realise this first journey into adulthood would be so heavily tolled! And after spending so much on learning how to drive, your bank account is already feeling the strain.
Well, as a specialist insurance broker, Adrian Flux has you covered. Here are just four great reasons why we’re different from the rest.
Affordable car insurance quotes: we’ve been in the business for 50 years, meaning we have great relationships with our panel of insurers. This means we’re often able to beat a quote you’ve received from another insurance provider.
We do the legwork: fed up of filling in online forms to check insurance prices? Just give us a call, answer some questions, and we’ll do all the legwork for you. We compare policies from up to 30 insurers in around 15 minutes.
Tailored policies: we’re not at the mercy of computer rates. Our relationships with leading and niche insurers alike help get you insurance deals you won’t find online. And even if you’ve already got a quote, let us know – we always aim to beat it.
Modified car insurance specialists: we’ve got enough experience to know that if you’re thinking about modifying your car, chances are you’ll probably look after it really well. We specialise in modded vehicles, so we can offer you great prices if you’re a young owner of a modified car.
Why is car insurance so expensive for young drivers?
New drivers are more likely to get into an accident where a claim is made, so car insurance providers need to make sure that the amount the policy costs reflects that. Younger drivers are higher risks to the insurance provider so pay a higher premium accordingly.
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What is the cheapest car insurance for young drivers?
If you’re still facing high Finding the cheapest car insurance policy will vary depending on your location, the type of car you choose, whether or not you fit a black box and more. You might be tempted to go directly to an aggregate site, and we say go for it, but make sure you give us a call afterwards. We aim to match or beat your cheapest quote wherever possible!
How to make car insurance cheaper for young drivers
The cost of young driver car insurance depends on a wide range of factors, from where you’ll keep the car when it’s not being used, to how much you modify your vehicle. Whilst some of these factors are out of your control, we have loads of hacks you can use to reduce car insurance premiums.
Call us to reduce your quote
In the majority of cases, calling us for a quote will result in a cheaper deal than the ones you find online. We do our very best to match or even beat any quote you bring to us!
Consider getting black box insurance
Telematics insurance, or black box insurance, can help reduce your premiums significantly. FluxScore black box insurance includes a mobile app (available on Android and Apple phones) that provides daily feedback on the way you’re driving so you can adjust accordingly and potentially reduce your insurance premium.
FluxScore also takes the stress out of breakdowns or accidents. With an SOS button on the box itself, you can get roadside assistance from the comfort of your own car. And if you’re injured in a crash, the black box will help locate you and send out help.
All the information FluxScore collects can also help prove your case if a third party is making a claim that you are at fault.
Get a limited mileage policy
Planning on only driving a few thousand miles a year? Let us know when you call us and we’ll be able to put you on a limited mileage policy. This can significantly reduce your premiums.
Let us know if you’ve built up a no claims bonus
Let us know if you’ve built up a no claims bonus on a moped, scooter or motorcycle as this can be used against car insurance policies.
For more information and tips to stay safe on the road, take a look at our guide for young drivers.
Pass extra qualifications
If you pass an additional qualification, we can knock off up to 25% from your insurance premiums. This could amount to hundreds of pounds in savings!
These qualifications are proven to reduce the likelihood you’ll get into an accident, which means insurers can offer cheaper insurance with relatively little risk. Additional qualifications include:
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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
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 .
Which car insurance is best for young drivers?
Like most motorists, young drivers have the following options when it comes to car insurance:
- Third party
- Third party, fire and theft
- Comprehensive car insurance
Third party insurance explained
This is the most basic type of insurance you can get. Although third party insurance will cover damage inflicted on other people or cars in an accident, you’ll have to fork out any money you spend on repairing damage to your own car – and you won’t be covered for fire or theft claims either.
Third party coverage sometimes actually works out as the most expensive type of insurance you can get as insurers have recently noted that they were processing more claims from policies with third party cover only.
Third party, fire and theft explained
This coverage is exactly the same as third-party-only coverage, except it covers your car in the event it catches fire or gets stolen.
Fully comprehensive car insurance explained
This is the highest level of coverage you can get. Fully comprehensive insurance offers the same coverage as third party, fire and theft, but will also cover accidental damage to your own vehicle.
Adrian Flux’s fully comprehensive plans can also include windscreen cover.Whichever type of insurance you get, if you make a claim on your policy you will have to pay the excess. Not sure what this is? Don’t worry; we make sure to explain this to you when you get a quote.