We've checked out the temporary car insurance through Adrian Flux. The broker says it can arrange cover at two different levels and all its policies include audio cover as standard.
The temporary car insurance offered through Adrian Flux caters to a wide range of cars including modified cars, kit cars and motorhomes. It says that customers can select between third party fire and theft or comprehensive cover options. Plus, any claim made won’t affect an annual no claims bonus.
Who is Adrian Flux?
Adrian Flux is an insurance broker with more than 40 years of experience in the industry. The company offers a wide variety of car (including Flux Direct), motorbike (Bikesure), van, caravan and home insurance.
Adrian Flux offers temporary car insurance for between one day and three months at a time.
Adrian Flux is authorised and regulated by the Financial Conduct Authority.
Adrian Flux works with a panel of insurers which underwrite its temporary car insurance policies. These include Ageas, Alliaz, AXA, Covea, Eridge, Markerstudy, Prestige, Sabre, Towergate, XS Direct and Zurich.
Adrian Flux’s policy features
Flexible insurance. You can choose cover from just one day up to 12 months.
Two cover levels. Choose between third party, fire and theft or comprehensive cover.
Unaffected annual no claims discount. A claim made on a temporary policy won’t affect any annual no claims discount built up.
Instant cover. Get instant cover from the moment you purchase.
What are Adrian Flux’s levels of temporary cover?
To be on UK roads, all drivers are legally required to have at least third party car insurance. Adrian Flux doesn’t offer this minimal level of cover with its short-term policies. Instead it offers either third party fire and theft or comprehensive:
Third party fire and theft. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property and will also give you protection against your car if it’s damaged in a fire or stolen.
Comprehensive. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property and for your own vehicle against accidental damage and vandalism. You’ll also have protection against any fire damage or theft of your car.
What does Adrian Flux’s temporary cover include?
Here are some of the benefits of Adrian Flux’s temporary car insurance:
Third party liability
Fire and theft
Audio equipment cover up to £400
Windscreen cover up to £1,000 on selected policies
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Adrian Flux and the level of cover chosen.
Check your policy details carefully to ensure you have the right cover for your needs.
Can anyone take out Adrian Flux’s temporary car insurance?
Adrian Flux claims to offer temporary car insurance to a number of different drivers and a wide range of cars. It says it can also tailor cover depending on specific customer requirements. To get short-term car cover:
You must be the minimum age of 17
Your car must have a market value of £25,000 or less
What is my excess?
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Adrian Flux’s temporary car insurance?
You should call the Adrian Flux claims helpline on 0344 381 4420. The 24-hour claims line is open seven days a week.
Keep your policy details, personal contact details and information relating to the incident to hand when making your claim.
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 later on.
Pros and cons for Adrian Flux
Pros
Making a claim won’t affect a no-claims discount built up on an annual policy
Third party fire and theft or comprehensive cover levels available
The cover can begin instantly
Cover can be enhanced with extra protection
Cons
Can only pay upfront if policy duration is under six months
Cover can only be increased in monthly intervals after 30 days
Frequently asked questions
Yes. Adrian Flux offers separate temporary car insurance to new customers. For existing customers wishing to insure an additional car, it may be possible but you would need to contact Adrian Flux. If it can, Adrian Flux is only able to cover an additional car for a period of seven days with an additional charge.
Yes. If you wish, temporary cover can start instantly.
That depends. If you take out temporary car insurance for less than six months, then you would need to pay for your premium up front. If you cover is for six months or more, then you will be able to arrange payment across a minimum of three instalments.
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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns.
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