We compare quotes from over 30 insurers, many of which you won’t find on the comparison sites. Our car insurance is tailored to your needs and is particularly suited to high-risk drivers and unusual vehicles.
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What information do I need to get a motor insurance quote?
Getting your motor insurance quote couldn’t be easier. We need to know a few things about you, as well as anyone else you would like to be covered to drive the car, as well as your car.
Information about yourself or the other drivers includes your:
- Name
- Age
- Address
- Occupation
- Driving experience
- Whether you have any motoring convictions or criminal convictions
Whether you have any no claims bonus (NCB), including expired bonuses and any NCB you’ve built up abroad
Things you need to tell us about your car include:
- Its make and model
- The year it was made
- Its registration number
- Where it will be parked overnight
- What you will be using the car for (e.g. commuting or social, domestic and pleasure)
- Whether it has any modifications or extra security measures fitted
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Why choose Adrian Flux for motor insurance?
As a specialist car insurance broker with over 50 years’ experience providing tailored cover for an affordable price, we’re convinced we offer one of the best quotation services around. Our policies are designed around your needs, meaning you can choose from our wide range of optional extras. Cover can include:
- Free legal cover up to £100,000
- Up to 90 days’ cover for travel in Europe
- Agreed value cover
- Laid-up cover for restoration projects
- Cover for modified cars
- EU and UK breakdown cover
- Total loss insurance
- Personal accident cover
What type of insurance do I need?
There are three main types of car insurance:
Third party only cover is the minimum level of cover you need to legally drive on UK roads. This type of insurance only covers injury or damage caused to other people, their vehicles and their properties. It doesn’t include cover for yourself and your own car.
This is the next level of cover. It includes everything found in third party cover, and will also pay out in the event your vehicle gets stolen or damaged by fire.
This is the highest level of cover you can take out. Not only does it include everything from the previous tiers, but it also pays out for injury or damage caused to you or your vehicle.
Over 81% of customers who got an online quote could have saved money if they’d called us instead.
How much is car insurance?
This really depends on a number of factors, including your driving history and the type of vehicle you want to insure. Our insurance policies are also tailored to your needs and budget, meaning your quote could look a lot different if you need particular services compared to someone who doesn’t.
That being said, as a specialist insurance broker we have access to a wide range of schemes you won’t find on the comparison sites, meaning you could find a great deal with us.
How can I lower my annual car insurance costs?
Cheaper doesn’t necessarily equal better, but we understand that if you’re facing high insurance costs, you’ll want to know how you can save money. Note that our policies can be tailored to your needs and budget, meaning you only pay for the features you need. We also offer discounts for the following – just let us know if any apply to you:
- No claims bonus on another type of vehicle (this can be transferred)
- Limited mileage policies
- Car club or forum membership (up to 15% off)
- Cars fitted with collision mitigation systems
- Cars fitted with dashcams and other security features
- Additional driving qualifications like IAM or Pass Plus (up to 15% off)
- Previous experience driving the type of vehicle you want to insure
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Call us for our best rates
Did you know that 81.5% of all customers receiving an online quote in August 2022 could have obtained a cheaper quote if they’d called us? Our best rates are always available over the phone. Call 0800 369 8590 for a quote or request a callback and we’ll call you back at the time you specify.
FAQs
Car insurance excess is the amount of money you have to pay towards a claim on your insurance. You only need to pay this if you’re at fault. This is split into two parts: compulsory excess, which is set by the insurer, and voluntary excess, which is decided by you.
The amount of excess you have to pay is the compulsory excess plus the voluntary excess. For instance, if your compulsory excess is set at £200 and your voluntary excess is set at £100, you’ll need to pay £300 towards the claim.
Note that, in making a claim, you’ll lose your NCB, so many suggest that if the damage is worth less than your excess, you shouldn’t make a claim but should instead cover the costs yourself.
Find out more in our blog on What is car insurance excess and how does it work?
This really depends on your insurance policy – you’ll need to read the fine print to know whether your insurance is still valid without tax. That being said, even if your insurance is valid, you car isn’t roadworthy until it’s taxed.
There are some exemptions that don’t require tax, but in most cases you still need to apply for vehicle tax exemption before you stop paying. Examples of eligible vehicles include:
- Classic cars
- Mobility vehicles and powered wheelchairs
- Electric vehicles
- Agricultural vehicles such as tractors
Yes, this is quite common, especially if you share a vehicle with your spouse or your child is learning to drive. If two drivers need to use the same car, we can cover you both.
Legal cover on your car insurance can be helpful in protecting you financially. This is because it covers legal fees if you get into an accident that wasn’t your fault. Rest assured that all our car insurance policies come with £100,000 worth of cover for legal fees as standard.
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If you’ll be using your vehicle for business purposes, it’s a good idea to take out business car insurance, otherwise known as company car insurance. This type of cover is generally more suited to your needs than a regular car insurance policy.
The easiest way to tell if your vehicle is insured is to enter your Vehicle Registration Number (i.e. your number plate) on askMID. This checks whether the vehicle is on the Motor Insurance Database.
The easiest way you can find out which car insurance provider you’re with is to check your emails. Use the search feature to type in terms like “car insurance” or “insurance policy”.
Check your policy documents to find out when your car insurance expires. It’s a good idea to make a note of this date so you know when the expiry date is coming up.
The cost of your car insurance depends on a number of factors, including your driving history, any no claims bonus you’ve built up, the type of car you drive, and more. If you feel like your insurance is more expensive than you expected, give us a call and we can see what we can do.
In general car insurance premiums have gone up in recent years. This is mainly due to inflation, as well as some other factors. Read more in our blog on whether car insurance premiums have gone up.
The cost of your car insurance depends on a number of factors, from the type of vehicle you have and how you’ll use it to how long you’ve been driving. To get a better idea of how much your insurance will be, give us a call.
If you own the second vehicle, you should take out multi-car insurance to cover both.
However, if you do not own the second vehicle and want to drive it, whether you’re covered or not will depend on your insurance policy. If you’ve taken out comprehensive cover on your own car, this can provide third party only cover for other vehicles, but it’s best to check your policy documents first. If you require fully comprehensive cover on other vehicles for peace of mind, we offer drive any car insurance, which boosts third party cover to fully comprehensive.
No, you still need insurance when driving a SORN car to your MOT. A good option for this is to take out short-term car insurance for the duration you need it.
Yes, you can cancel your car insurance, but doing so can mean you have to pay a penalty.
Classic cars are among the most affordable cars to insure, and because we’re classic car insurance experts, we can get great deals on your cover.
Over 81% of customers who got an online quote could have saved money if they’d called us instead.
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Insurance based on the vehicle
- 4×4 Insurance
- American Insurance
- Aston Martin
- Audi Insurance
- Audi TT Insurance
- Beetle Insurance
- Bentley Insurance
- Insurance for BMW
- BMW M3 Insurance
- Camper Conversion Insurance
- Camper Insurance
- Category A Insurance
- Category B Insurance
- Category C Insurance
- Category D Insurance
- Category N Insurance
- Category S Insurance
- Category S Category N Insurance
- Chassis Number Insurance
- Citroen DS Insurance
- Classic 4×4 Insurance
- Classic Bus Insurance
- Classic Coach Insurance
- Classic Car Insurance
- Classic Hot Hatch Insurance
- Company Car Insurance
- Convertible / Cabriolet Insurance
- Convertibles
- Cosworth Insurance
- Custom Insurance
- Decommissioned Taxi Insurance
- EU Imports Insurance
- Executive Hire Insurance
- Ex-military Insurance
- Fiat 500 Insurance
- Fiat Insurance
- Ford Cortina Insurance
- Ford Escort Insurance
- Ford Insurance
- FTO Insurance
- Golf Insurance
- High Performance Insurance
- Horsebox Insurance
- Hot Hatches Insurance
- Hot Rod Insurance
- Hybrid Car Insurance
- Import Insurance
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- Kit Car Insurance
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- Land Rover Insurance
- Left Hand Drive Insurance
- Left Hand Drive Motorhome
- Limousine Insurance
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- Lotus Insurance
- LPG Car Insurance
- Maserati Insurance
- Mercedes Insurance
- Insurance for Mini
- Minibus Insurance
- Minibus Insurance (Private Hire)
- Minicab Insurance
- Modified 4×4
- Modified Insurance
- Morris Minor Insurance
- Motorhome Breakdown Insurance
- Motorhome Insurance
- Multi-car Insurance
- Nissan Qashqai
- Onsite Vehicle
- Porsche 911 Insurance
- Porsche Insurance
- Private Hire Taxi Insurance
- Public Hire Taxi Insurance
- Q Plate Insurance
- Rally Car Insurance
- Reliant Robin Insurance
- Insurance for Rolls Royce
- Saab Insurance
- Skyline Insurance
- Small SUV
- Spare Parts Insurance
- Standard Insurance
- SUV Vehicles
- Taxi Insurance
- Triumph Insurance
- TVR Insurance
- Vauxhall Insurance
- Wedding Car Insurance
Insurance based on the driver
- 4×4 Responders
- Actors
- Agreed Value Car Insurance
- Black Box Insurance
- Blue Light Insurance
- Company Car No Claims
- Comprehensive Insurance
- Convicted Insurance
- Dash Cam Insurance
- Digital Jobs Car Insurance
- Diplomat Car Insurance
- Disabled Driver Insurance
- Doctors On Call Insurance
- Drink-driver Insurance
- Drive Any Car Insurance
- Driving Instructor Insurance
- Enthusiasts Insurance
- Executive Insurance
- Expired NCB Insurance
- Firefighter Car Insurance
- Foreign NCB Insurance
- Guernsey Insurance
- Impounded Car Insurance
- Impounded Vehicle Insurance
- Insurance for Bankrupts and People with CCJs
- Insurance For DJs
- Journalist Car Insurance
- Learner Driver Insurance
- Maplin Dash Cam
- Musicians Insurance
- Northern Ireland Insurance
- Older Driver Insurance
- Police Officer Car Insurance
- Pothole Insurance
- Provisional Insurance
- Short Term Insurance
- Short Term Motorhome Insurance
- Showman / Performer
- Sports Professional Insurance
- Temporary Car Insurance
- Third Party, Fire and Theft
- Women Driver Insurance
- Young Driver Insurance
- YouTuber and Blogger Insurance
Over 81% of customers who got an online quote could have saved money if they’d called us instead.
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