Flux Direct

Flux Direct car insurance review

See what levels of car insurance cover are on offer through Flux Direct, the pros and cons of buying through the company and the claims process involved.

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Flux Direct is an independent insurance broker which claims to use its connections with 30 companies to pass on cheaper deals to you. We’ve looked at what getting car insurance through Flux Direct involves, the claims process and what other customers think of the service.

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Who is Flux Direct?

Flux Direct is a trading name of insurance broker Adrian Flux Insurance Group. Although its speciality is car insurance, it also offers protection for young drivers and van drivers as well as home insurance.

Who underwrites Flux Direct car insurance?

Flux Direct compares quotes from around 200 different policies offered by 30 different insurers in its portfolio to find the best deals for its customers.

Flux Direct searches policies from insurers including Aviva, AXA and Zenith.

Flux Direct is used under licence by Herts Insurance Consultants Ltd, which is authorised and regulated by the Financial Conduct Authority.

What are Flux Direct’s levels of cover?

Third party. Third party cover is the minimum level of cover that Flux Direct offers. All drivers in the UK are legally obliged to have at least this level of insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. However, it won’t cover any damage to your own car.
Third party, fire and theft. This provides the same level of cover as third party but will also give you protection for your car if it’s damaged in a fire or stolen.
Comprehensive. This is the highest level of cover available and provides the same protection as the other levels, in addition to covering your own vehicle in the event of accidental damage or vandalism. Comprehensive isn’t always more expensive than lower levels of cover, so it’s always worth getting a quote for it.

What is covered under my policy?

As Flux Direct finds cover from some 30 different insurance companies, the benefits to each policy will vary between each provider and the level of cover on offer. However, Flux Direct will provide free legal cover with every policy.

Optional extras

On top of the standard levels of cover, Flux Direct can also provide a range of additional protection to add to your policy, including:

General exclusions

Your cover is likely to become invalid if any of the following arises:

  • If you make a claim, knowing that it is false or fraudulent.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application such as proof of your entitled no-claims bonus.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through Flux Direct

  • Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Fewer drivers. Only add drivers to your policy that regularly drive your car.
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.

What is my excess?

Your insurance excess is the portion of money that you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this. And you will be expected to pay this for each and every claim made.

A compulsory excess amount might vary depending on the age of your car and your driving experience.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Flux Direct?

You should call the claims helpline on 0344 381 4461. Lines are open 24 hours a day, 7 days a week. All claims will be handled by Coplus so you can also email any claim information or copies of documentation to afclaims@coplus.co.uk.

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim.

Flux Direct car insurance customer reviews

On customer review platform Trustpilot, Flux Direct has 3.3 out of 5 stars and a rating of “Average”, based on more than 900 reviews.

On similar platform, Reviews.io, the company has 2.7 out of 5 stars, based on more than 350 reviews. 40% of customers say they would recommend the service.

Customers like the great service, but some report issues over black box usage (updated December 2020).

Pros and cons for Flux Direct car insurance


  • Flux Direct is a broker, so you get access to a range of policies to suit your needs.
  • 24/7 claims line.


  • A lot of important cover elements, like windscreen cover, keycare and personal protection are optional extras.


Flux Direct is essentially a broker, which means it gives you access to a wide range of providers and policy types. This can make it easier to find one that suits your needs, but it also means that there’s not a lot of information available about what’s included before you go through the quote process.

Opinions on the level of customer service on offer from Flux Direct are split, but there is a 24-hour claims line available for emergencies.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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