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Existing customers call Customer Service on 0344 381 6506

Accidents and Claims

Why do I have to pay my excess if an accident is not my fault?

If you are claiming through your own insurance policy your excess will apply under the policy terms outlined in your policy documents. If the accident was not your fault and you have the details of the responsible party your legal cover will be able to assist you in recovering this loss. You will need to supply evidence of the loss, such as the receipt, so that it may be submitted as a claim.

I have protected no claims bonus, so will my policy be affected by a claim that is my fault?

Each Insurer has a "rule" on how many claims are allowed before you lose your protected bonus benefit. A "fault" or "pending" claim on your driving history may increase future premiums, as it represents a higher risk to the Insurers.

Do I get a courtesy car if I have an accident?

This depends on a number of factors. You must make a claim through your own policy and have comprehensive cover. You would then receive a courtesy car providing you use the approved repairer, subject to availability and only for the duration of the repairs. If your vehicle were written off a courtesy car would not be provided in the above circumstances.

If you have an accident that is not your fault you could be provided with a hire car by your legal cover, irrespective of the cover on your policy.

I have received third party correspondence, what should I do?

This should be forwarded, unanswered, to us. Should we have any questions or requirements we will contact you upon its receipt.

For claims prior to the 6th December 2010, please send correspondence to:
Adrian Flux Claims Department
East Winch Hall
East Winch
King's Lynn
Norfolk
PE32 1HN

For claims after the 6th December 2010 please send correspondence to:
Adrian Flux Claims Department
ULR
Kircam House
5 Whiffler Road
Norwich
NR3 2AL

Do I have legal cover on my policy?

All of our policies include free legal cover. The legal policy can only help with accidents involving your vehicle. They will help to reclaim any uninsured losses.

Please note if the incident appears to be non-fault and:

  • You need a replacement vehicle
  • You have suffered an injury
  • Your vehicle cannot be driven
  • You have incurred uninsured losses
  • You are seeking compensation for damage to your belongings

Your legal policy can help you.

If I have an accident and I do not wish to make a claim, do I still have to notify my insurer?

Yes, it is always advisable to tell your insurer of any incident the insured vehicle is involved in, so that your file is always fully updated, even if no claim is to be made.

Should I expect my premium to rise if I reported an accident to my Insurance Company in which I was not found at fault?

While an accident is pending, even if it appears not to be your fault, your Insurance Company will initially classify it as a fault incident. This means that your no claims bonus, and in turn your premium, may be affected. When the claim is settled fully in your favour we would reinstate the no claims bonus and refund the difference in premium accordingly. A 'fault' incident will in the majority of cases increase your premium even if your no claims bonus is unaffected. If the accident is settled in your favour and you are not at fault, your Insurer may still increase the premium.

I've just been in an accident. How will the Insurer arrange the payment for repairs to my car?

Your Insurer will arrange payment direct with an approved repairer or garage of your own choice. Costs are agreed before work is authorised and you would be expected to pay your policy excess directly to the garage once repairs are complete.

Can I demand original equipment manufacturer (OEM) parts to repair my vehicle?

We deal with a large number of Insurers and each deals with this differently. We therefore advise that you contact our office on 0344 381 4463 to discuss the procedures of your particular Insurance Company.

Do I have to use my Insurer's body shop for repairs?

No, you may provide an estimate from a garage of your own choice for approval by your Insurer. You would however have to arrange your own insurance on any courtesy car should the approved repairer not be used, as you are only insured on an approved repairers' courtesy car.

What should I do if I've just had a car accident?

Exchange full details with any other party involved, ensuring you note their registration number, then contact us on 0844 888 7360.

How much cover does Legal Expenses Cover provide?

In respect of each qualifying accident the sum of £100,000.

When can I use Legal Expenses Cover?

When you or your vehicle has been involved in a road traffic accident that has been caused to a greater extent by the fault of another party than by yourself.

"Another party" is defined as:

  • The driver, owner or any other person responsible for a vehicle insured against third party risks (other than the driver of your vehicle), or,
  • Any other parties so insured

If I buy Legal Expenses Cover, who would be covered?

Legal Expenses Cover is a free benefit given to all Adrian Flux customers and it covers the policyholder and any other person who is entitled to drive under the Motor Insurance Policy. The policyholder must be domiciled in the United Kingdom to be entitled to this benefit.

Would I be covered by Legal Expenses Cover if I go abroad?

Yes, however this only applies if there is a UK handling agent for the third party insurer. Unfortunately if this were not the case your Legal Expenses Cover would not be able to assist you.

Would I be covered by Legal Expenses Cover if the driver at fault leaves the scene of the accident without swapping details?

It is possible they will be able to assist you if you have been able to obtain the third party's registration number and they are then traced by this means.

Will you pay compensation under my Legal Expenses Policy if I am injured as a result of a road traffic accident and unable to work?

Compensation for personal injury is not paid directly by your legal expenses policy, but they can appoint solicitors to represent you in claiming for any injuries and subsequent losses, for example lost earnings, from the negligent party. Again evidence of this would be required but the legal cover can make the necessary arrangements to obtain this proof.

If I need to use Legal Expenses Cover are there any additional costs other than the annual premium?

No, there are no costs at all as the Legal Expenses Policy is free of charge and will cover all costs for assistance in claiming from a third party up to a limit of £100,000.

Do I need Legal Expenses cover if I know a solicitor?

Legal Expenses cover is always a benefit as although you may know a solicitor they may not specialise in Uninsured Loss Recovery. They would also possibly charge you for their assistance.

The legal expenses cover will only indemnify pre-approved solicitors from their panel so if you choose to use your own solicitor their costs would not normally be covered by the legal policy.

How do I make a claim?

Should you need to report a new claim please contact our office on 0844 888 7360. The line is open 24/7, 365 days a year.

If you have already reported your claim and it occurred before the 6th December 2010 please call our office on 0844 888 5001 to discuss your claim. Lines are open Monday to Friday 09:00 - 17:30 and Saturday 09:00 - 16:00.

What is an excess?

An excess is an amount payable by yourself in the event of a claim against your policy for your own damage/loss. Details of specific excesses relating to your policy can be found on your policy schedule.

Will I be supplied with a courtesy car while my car is being repaired?

This depends on a number of factors. You must make a claim through your own policy and have comprehensive cover. You would then receive a courtesy car providing you use the approved repairer, subject to availability and only for the duration of the repairs. If your vehicle were written off a courtesy car would not be provided in the above circumstances.

If you have an accident that is not your fault you could be provided with a hire car by your legal cover, irrespective of the cover on your policy.

After a car accident, I had my car repaired at a body shop my Insurance Company referred me to, but I'm not happy with the work that was done. Is there anything I can do about it?

Yes, firstly you should contact the repairer in question and tell them of the problems you are experiencing; they should make arrangements for your vehicle to go back to them for the work to be rectified. If you are still not happy, you can contact our office and we will request that your insurers review the matter further.

If I claim for a windscreen will this affect my no claims bonus?

No, windscreen claims will not affect your no claims bonus. However not all policies cover you for windscreen repair. You can check if you are covered by referring to your policy booklet or schedule of insurance.

Payments

Can I pay off my premium in full instead of by direct debit?

This is possible, and the interest remaining on your direct debit agreement should be reduced. Contact our Customer Service Team to find out the outstanding balance and make an arrangement to pay.

I need extra time to make a payment, is this possible?

It may be, depending on the circumstances. We would advise that you contact our Customer Services Team as soon as possible so that your policy does not get cancelled.

Why have my instalments increased this year, when my renewal quote is less than my previous quote?

Last year when your policy started you may have paid a deposit of 25% or 15%. This would have taken a large amount of your premium away from the outstanding balance that was to be paid over instalments. However this year so you don't have to pay a deposit we split the instalments up equally.

What payment methods do you accept?

We accept all major Credit/Debit cards, postal orders, cheques and banker's drafts. We also accept cash payments in person however we do not recommend sending this in the post.

Who do I make cheques payable to?

Cheques should be made payable to Adrian Flux Insurance.

Paperwork and Documents

What do I do if I've lost my paperwork?

There is a section on your customer portal where you can download new forms to be completed. If you are having issues with this please contact us.

I've lost my certificate or cover note, what can I do?

You can request a duplicate certificate online by using our online request form where it will be posted first class to you. We can offer Special Delivery at a surcharge if your documents are needed urgently. For this service you need to call our Customer Service Team. We would advise that you contact us several days in advance if you need to tax your vehicle in the near future.

My immobiliser is fitted as standard, how do I fill in the immobiliser form?

There is a section on the form to tick to state that your immobiliser is fitted as standard. Our administration team will check the form to see if the immobiliser matches the policy requirements, and will contact you with any problems.

What's needed in regards to photos for agreed value?

If we have requested three photos, these need to be at the back and side, front and side, and the engine.

If we have requested six photos, these need to be at the front, back, each side (taken square on), interior and engine bay.

We accept digital photographs and if preferred can be sent to ourselves on CD or DVD (Please note we are unable to return any photographs). Unfortunately, Polaroid photographs are unacceptable.

Please note when agreed value has been applied to your policy, a revised schedule showing this will be forwarded to yourself.

Agreed Value is optional, and it is your responsibility to ensure the required documentation is received by ourselves if this has been offered on your policy.

Photograph Examples

I need to tax my vehicle?

You can obtain your tax by producing either your certificate of insurance or a current temporary cover note.

When will I receive my insurance documents?

We release your policy documents on the day that your policy commences. They are either sent by first class post or by email, depending on the option that you have selected. Emailed documents are always sent as soon as possible, irrespective of the time that the policy was taken out. Postal documents may be sent by first class post the following day if the policy was taken out later in the day.

Choosing to have your documents sent to you by email is not only quicker, but also kinder to the environment. You can also keep a copy of your documents handy without having to find space for them in the house!

We offer the Royal Mail's Special Delivery service for our clients who chose to have their documents issued to them by post, and would like to guarantee their delivery. This is subject to a small charge.

I normally receive my insurance certificate with my renewal but I haven't this year. Where is it?

If you haven't received a certificate you should have received a cover note in its place, which will be valid normally for 30 or 60 days. At the time of the renewal we contact your Insurers and request that a new certificate is issued. We will forward it to you as soon as we receive it.

I have received my new policy documents but it states a different price to the amount I paid; why is this?

The insurance company's premium is all that is displayed on their documents, however when you take out or renew a policy with us you will be charged our set up fee and possibly for optional extras you have taken out with us.

My insurance schedule states some endorsements that I was not aware applied to my policy, what should I do?

In some cases not all the endorsements displayed on the schedule apply to your policy. Usually at the top of this section it will confirm which endorsements apply to you, however if you are still unsure then please do not hesitate to contact us.

Policy Terms and Additional Cover

If I have comprehensive cover, does this mean I have the benefit of driving other cars?

No, this is not an automatic inclusion in comprehensive policies. You can check your certificate of Insurance to see if you have this entitlement. If you are in doubt, we would advise that you contact our Customer Service Team.

Can I add another vehicle to my policy?

This may be possible, depending on the policy you have and the vehicle you wish to add. We can only add an additional vehicle for a period of seven days. The Insurer will generally charge an additional fee for covering the extra vehicle. Should you require cover for longer than fourteen days, or if we cannot provide cover, we recommend HIC (Herts Insurance - www.hertsinsurance.com)

Does the policy entitle me to drive anybody else's car?

Most policyholders over the age of 25 are given this cover. If this benefit is added it will show on your certificate of insurance. This cover is Third Party Only and is restricted to vehicles not owned and registered to you.

I need to fit security to my vehicle

Visit GAP Security (www.gapsecurity.co.uk)

Where can I get an independent valuation for my vehicle?

This is to be provided by a independent and unbiased source who is a member of the Institute of Automotive Engineers and Assessors. It should be on headed paper and state clearly who has provided the valuation and their qualifications. Unfortunately, we are unable to accept valuations from owner's clubs, or garages which have worked on the vehicle or originally sold the vehicle.

I think I may exceed my mileage limit?

Call our customer service line, where the advisors should be able to increase your mileage. Please note in some cases the policy may have to be cancelled and a new policy taken out (charges will be incurred).

I am a named driver on the policy; does the benefit of driving other cars apply to me?

No this benefit only applies to the policyholder, provided that this is stated on the insurance certificate.

I need to take my vehicle out of the country?

Call our customer service line as most insurers need to be advised of this. Charges may apply.

Does my policy cover me to drive abroad?

The majority of Insurers allow a designated period of cover free of charge within EU countries on a pleasure use basis. You should contact us before you depart to ensure that the countries you are travelling to are acceptable, you are within the amount of days allocated by your Insurer and whether there is a charge for the cover.

How much cover does Legal Expenses Cover provide?

In respect of each qualifying accident the sum of £100,000.

When can I use Legal Expenses Cover?

When you or your vehicle has been involved in a road traffic accident that has been caused to a greater extent by the fault of another party than by yourself.

"Another party" is defined as:

  • The driver, owner or any other person responsible for a vehicle insured against third party risks (other than the driver of your vehicle), or,
  • Any other parties so insured

If I buy Legal Expenses Cover, who would be covered?

Legal Expenses Cover is a free benefit given to all Adrian Flux customers and it covers the policyholder and any other person who is entitled to drive under the Motor Insurance Policy. The policyholder must be domiciled in the United Kingdom to be entitled to this benefit.

Would I be covered by Legal Expenses Cover if I go abroad?

Yes, however this only applies if there is a UK handling agent for the third party insurer. Unfortunately if this were not the case your Legal Expenses Cover would not be able to assist you.

Would I be covered by Legal Expenses Cover if the driver at fault leaves the scene of the accident without swapping details?

It is possible they will be able to assist you if you have been able to obtain the third party's registration number and they are then traced by this means.

Will you pay compensation under my Legal Expenses Policy if I am injured as a result of a road traffic accident and unable to work?

Compensation for personal injury is not paid directly by your legal expenses policy, but they can appoint solicitors to represent you in claiming for any injuries and subsequent losses, for example lost earnings, from the negligent party. Again evidence of this would be required but the legal cover can make the necessary arrangements to obtain this proof.

If I need to use Legal Expenses Cover are there any additional costs other than the annual premium?

No, there are no costs at all as the Legal Expenses Policy is free of charge and will cover all costs for assistance in claiming from a third party up to a limit of £100,000.

Do I need Legal Expenses cover if I know a solicitor?

Legal Expenses cover is always a benefit as although you may know a solicitor they may not specialise in Uninsured Loss Recovery. They would also possibly charge you for their assistance.

The legal expenses cover will only indemnify pre-approved solicitors from their panel so if you choose to use your own solicitor their costs would not normally be covered by the legal policy.

What is an excess?

An excess is an amount payable by yourself in the event of a claim against your policy for your own damage/loss. Details of specific excesses relating to your policy can be found on your policy schedule.

How do I know if I have the benefit or driving other cars third party?

It will state on your insurance certificate if you are covered. It may also state this on your insurance schedule.

Can I add the benefit of driving other vehicles third party?

Once the insurance is in force unfortunately you cannot add this benefit to your policy. However if you display an interest in this at your renewal date we can try to include this in your quote.

I have a limited mileage policy however I will possibly be exceeding this when using the car off the road; does this count as exceeding my limit?

The mileage limit is for the whole annual mileage no matter where the vehicle has been used. So if this is close to being exceeded please contact our customer service department for them to re-quote your policy.

I personally will not exceed the mileage I have agreed to, however my friend/family member also uses my vehicle on their insurance. Is their mileage done included in my limit?

The mileage restriction actually applies to the vehicle and not the insured drivers so if the mileage has been exceeded or is close to your limit please contact our customer service department for them to re-quote your policy.

Can I take out breakdown or personal accident cover when I have already accepted my quote?

We can add either the breakdown or personal accident cover up to 14 days after your policy has started. Unfortunately after this period we cannot allow this benefit to be added.

What does the breakdown service cover me for?

When you take out the breakdown cover we send you a booklet confirming what you're covered for, however if you have not received this then don't hesitate to contact our customer service department and we will be more than willing to get a duplicate sent.

The cover provided is as follows:

  • The insured vehicle is covered for UK and European roadside assistance and recovery, and the cover also includes a home start service
  • The European cover is restricted to a maximum of 31 days in a row, and a maximum of 60 days in total
  • The driver plus up to 5 passengers can be recovered
  • There is no refund in the event of cancellation after the first 14 days, and there is no cover in force for the first 24 hours

What does the personal accident benefit cover?

When you take out the personal accident benefit we send you a booklet confirming what you're covered for, however if you have not received or have mislaid this, then don't hesitate to contact our customer service department and we will be more than willing to get a duplicate sent.

The cover provided is as follows:

  • This gives the policyholder and each of his/her passengers extra personal accident cover (in addition to any that may already be included by the insurer)
  • Each occupant is covered for £10,000 for accidental death, or £20,000 for total disablement
  • The policy has a maximum total payable of £150,000
  • There is no refund in the event of cancellation after 14 days

Do I have windscreen cover?

If you are comprehensively insured, windscreen cover is included under your policy subject to the policy excess, depending if it can be a windscreen repair or needs to be replaced.

If you are only covered third party, fire and theft windscreen cover is not covered under your policy.

Do I need a green card to travel abroad?

A green card is no longer issued by Insurance Companies for when taking your vehicle abroad. All details regarding European cover are now incorporated into the Insurance Certificate.

What do I need when adding a driver?

When adding an additional driver/named driver to your policy we will require the below details:

  1. Date of birth
  2. Occupation
  3. Details of any accidents/claims/convictions in the last 5 years
  4. Details of any medical conditions
  5. If they have their own car
  6. Use they require the vehicle for, i.e. commuting, social domestic and pleasure
  7. How long they have held a full UK licence
  8. How long they have been a UK resident
  9. Marital status

When adding temporary drivers to your policy we will require the above details also, and insurers have a small fee per week they are covered. Please note temporary drivers can only be added for the maximum of four weeks in each Insurance year and whether they can be covered on your policy is dependant on a number of factors.

When adding additional drivers to your policy the maximum number of drivers you can add is three per policy.

Can I add a learner driver to my policy?

With some insurers it is possible to add a learner driver. However the insurers may increase the premium depending on the time they have held their provisional licence and age if they are a young driver. It is always best to contact us with the full details to enable us to check the insurers can cover a provisional driver.

What is the minimum age of a driver I can add to my policy?

Most Insurers have a minimum age applied to a policy. This age can start between 17 - 21 years. It can be dependant on the type of vehicle that is insured or the type of policy the owner holds. As different insurers have varied terms and minimum ages it is always best to contact us or refer to your policy booklet.

What do I need to do if I take my vehicle off the road?

If you take your vehicle off road you can either cancel your policy, continue with the insurance or we can offer a laid up policy. A laid up policy covers the vehicle whilst it is kept off the road in a garage at your home address. When the vehicle is ready to go back on the road the cover can then be changed to include road use under the policy on most policies. The laid up policy does depend on the insurer you are currently insured with, therefore if you are with an insurer that does not offer this benefit, you would need to cancel your existing policy and begin a new annual policy with laid up cover.

Can I have limited mileage on my policy?

We do offer limited mileage policies. You can choose to limit your mileage when you first take out your policy, or at the renewal stage. You receive a discount for limiting your mileage to an agreed amount. We simply ask you to let us know the mileage at the beginning and the end of the policy. Should you exceed the mileage that the quotation was based on, the discount will no longer apply and you will be charged an additional premium.

Will you contact me when my renewal is due?

Our Renewals Team will contact you by post or by email two weeks before your renewal is due. We offer an automatic renewal on most of our policies, whether you are paying by a credit/debit card, or by direct debit. Your renewal letter will clearly state if your policy is to be automatically renewed.

For any queries on your renewal, please contact our Renewals Team on 0844 8888 706. They can offer advice on suitable policies if your needs have changed, as well as the many other additional policies that Adrian Flux offer.

Mid-term adjustments

How do I go about making a change to my policy?

You can either contact our Customer Service Team, who will find the most competitive Insurer for you. This may be your current Insurer, or it may be beneficial to cancel your policy and place you with an alternative Insurer. Full advice will be given to you during the call. You can also use our Notify Us Of A Change form on the "Existing Clients" section of our website.

When do I need to notify you of a change to my details?

We should be notified of all amendments that would affect your policy. If you are in doubt, it is best to notify us anyway, as a claim could be affected if any of your information is incorrect. For example, if you obtain a motoring conviction we should always be advised as soon as possible.

Can I add a driver to my policy?

It may be possible to add a driver, however it is all dependant on their details and the type of policy that you have. We will need full driver information including any previous claims and convictions. Contact our Customer Service Team for a quotation.

When do I qualify for protected no claims bonus?

Each Insurer has their own ruling, however you must have at least four years no claims bonus to be able to protect it. There is normally an additional amount on your policy excess, and a minor loading on your premium.

When will I receive my renewal quotation?

You will be in possession of your renewal invitation no less than 10 days prior to your renewal date.

My teenager just got a driving licence and the insurance rates are through the roof. Is it best to add him to my policy? Do I have any other options?

Unfortunately we cannot add a teenager onto their parent's policy, is it represents a much higher risk to the Insurer. Generally speaking if the teenager is using the vehicle more frequently than any of the other drivers, the policy should be set up in the teenager's name. This will also give the teenager the chance to start earning his or her own no claims bonus. Adrian Flux offer specialist young driver policies, which can even accommodate modified vehicles so we should be able to offer a competitive premium. These policies also allow discounts for the teenager if they have completed a Pass Plus scheme, or similar advanced driving course, so this may be something for your teenager to consider in order to reduce their premium.

Do red vehicles cost more to insure than other vehicles?

The colour of your vehicle is not relevant to the price of the policy. However, should you have the vehicle's paintwork customised, this may increase the price. You should advise us if any paint changes are made.

My car has been modified, do you need to know and will it affect the cost of cover?

Yes, we need to know about any modifications to the vehicle, this may affect the insurance premium depending on the level of modifications. Make sure that all alterations to the vehicle are advised to us so that we can make sure that you are fully covered.

I got a speeding ticket. How much will it affect my car insurance premium?

This depends on how many motoring convictions you have on your driving licence, and who your Insurance Company is. Many Insurers that we deal with will allow two fixed penalty speeding convictions to be on your licence without increasing your premium. You should notify us as soon as you receive a conviction.

Your system does not list the make and model of my car - what should I do?

We specialise in a variety of niche motoring markets, including vehicles of all makes and models carrying q-plates. If you are using our online quoting system, there is an option available to manually enter the make and model of your car. Our trained underwriters will then search for the most competitive market for your specialist vehicle.

Can you provide insurance for my vehicle if it's been imported?

We can cover imported vehicles provided we know the point of origin. The vehicle will require a UK registration number for road cover to be provided.

Can I change or view my policy online?

You cannot view your policy online, however you can request to make an amendment by going to our Notify us of a change section.

Can I add my son/daughter on my policy if they are under the age of 25?

Statistically the risk of claims on a parent and child policy is very high, so unfortunately we do not cover children on parent's policies until they are over the age of 25.

Will my premium go down if I add my mum or dad to my policy?

Unfortunately not; the general rule is that the insurance premium is rated on the highest risk driver, which would be the youngest driver named on your policy.

Why does my address affect my premium?

The insurance companies keep track on the claim statistics in all areas of the UK so if you move to an area with higher claim amounts than previously it is seen as a higher risk for the insurer to take.

Will my insurance premium go down if I garage my vehicle?

This is not guaranteed however a few of the insurers that we deal with do offer a discount for your vehicle being garaged overnight. If you would like to see if thisd could apply to your policy please contact our customer service department.

Cancellations

Do I need to cancel my direct debit agreement if my policy is cancelled?

No, we will cancel your direct debit for you when the policy is cancelled, and calculate if you have under or overpaid.

Why do I owe money even though my policy is cancelled?

If you chose to pay by instalments, it may be that the charges made by your Insurer and us are greater than the amount you have paid so far. Insurers sometimes charge on a short-period basis, meaning that the charge is not directly proportionate to the amount of time covered on the policy.

How can I cancel my policy?

To cancel, you can write to us stating the reason and date, and making sure that you return your current certificate of Insurance or cover note. We can terminate policies verbally in some circumstances, however would still need you to return your certificate of Insurance or cover note in order for any refund to be released. The adviser will inform you of any refund, or any additional payment, due following the cancellation.

Do I get a refund if I've had a claim?

If a claim is either pending (or has been settled against you) in the current period of Insurance, the Insurers will not allow a refund. For clients paying by instalments, this means that the instalments must continue to be paid until the premium is paid in full.

Will I get a refund if my policy is cancelled?

Insurers all have different cancellation charges and not all policies will allow a refund. Call our customer service line for further information.

What will I be charged if I cancel my policy within 14 days of receiving my policy information?

If you cancel within 14 days of receiving the policy information you will only be charged our £25 policy issue fee and the Insurance Company's minimum charge for the time you have had on cover. These charges vary depending on the Insurer. Call our customer service line for more information.

No Claims Bonus

Does my no claims bonus expire after a certain period of time?

Most Insurers will accept no claims bonus which has expired up to two years before you use it again. We may be able to use no claims bonus which is over two years old, however you must advise us of this at the time of the quotation.

I'm getting a second car, can I use my no claims bonus twice?

You can only use your no claims bonus on one policy at a time. We do, however, offer policies that allow a discount if you have no claims bonus on another policy. This is called an "Introductory Discount" and is usually only given if you are claim free.

I have been a named driver on someone else's policy for a few years, does that mean that I am entitled to a no claims discount?

In order to gain no claims bonus entitlement the insurance policy needs to be in your name. However providing you have been claim free as the named driver, we can normally offer an introductory discount.

Can I use my commercial vehicle NCB on a private car policy?

Not all insurers will allow this. Advise us at the time of quotation that you have commercial vehicle NCB so we can try to accommodate this.

Can I use motorcycle NCB on a private car policy?

Not normally - advise us of this as an introductory discount may be available.

What does NCD stand for?

This stands for 'No Claims Discount'. You earn a year's NCD for every full year of a policy in which no claims are made either by you or a third party. Some policies, such as classic car policies, are not based on NCD and so at the end of such a policy you would not have gained any NCD. Only the main policyholder earns NCD. NCD is also sometimes referred to as NCB - No Claims Bonus.

If my No Claims Discount has been earned in another country, is it still acceptable?

Some Insurers will accept No Claims Discount from another country. You should ensure that you tell us when you request your quote if your No Claims Discount was earned in another country, so that we can place your policy with an appropriate Insurer.

What exactly am I covered for when I have protected my no claims bonus?

Insurance companies have their own terms regarding this. To check these details refer to your policy booklet initially or contact our customer service department.

I am insured through RSA and I have more than 4 years' bonus, however it only displays 4 years on my schedule; why is this?

The maximum years of no claims bonus RSA will give a discount for is 4 years so this is all they will display, however if you were to leave Adrian Flux or RSA we would be able to supply proof of the amount of years you have earned.

If I have a policy that runs for less than 12 months do I still earn a years' no claims bonus?

If your policy finishes or is cancelled before the 12 months is completely finished, unfortunately you are not entitled to a years' no claims bonus discount.

How to fill in our paperwork

Proposal Form

Your proposal form should show all of the information that was provided to us over the phone. It will resemble an application form. It should be checked thoroughly, and you should amend any errors. If there are any blank boxes, these should be completed. If you are unsure of any areas on the form or wish to expand on a piece of information, you can attach an explanation to the form on a standard piece of paper.

Ensure that the form is signed and dated in every applicable place, as the forms often require more than one signature.

When we receive the form, we will let you know if any amendments affect your policy.

Driving Licence

You only need to provide a copy of your driving licence - please do not send the original.

You should make a copy of the counterpart section, and the front and back of the photocard. If you have the 'old style' licence, please simply copy the whole sheet.

No Claims Bonus

You can only use your no claims bonus on one policy at a time. If you want to apply your no claims discount to your new policy, your previous policy must either be cancelled, or the no claims bonus removed.

Once you have either cancelled your policy, or removed the no claims bonus, you should receive proof from your insurance provider. You can simply forward this to us, or complete the form that we send to you. We will then try to obtain evidence of your no claims bonus over the telephone from your insurance provider.

We offer some policies where a discount is given if your no claims bonus is still active on another policy. As evidence of this, we need a letter from your insurance provider stating your no claims entitlement and that the policy is still active. If you do not have this, you can also complete the form that we send to you.

If you are confused about your no claims bonus our Customer Service Team will be pleased to offer you advice.

Modified Vehicle Report Form

The modified vehicle report form should be completed with all modifications to your vehicle. Ensure that you do tell us ALL modifications, as any non-disclosures could mean that a claim does not get dealt with, or extra premium is added to your policy. In extreme cases the Insurers could null and void your policy.

Ensure that you complete the engine and chassis number, as your Insurers require these. Please also ensure that you sign and date the form on the second page.

Security/Immobiliser Forms

If your policy requires a certain level of security you would have been told this at the time of the quotation. A lot of vehicles have security fitted as standard; so if this is the case, tick the box on the form that states this. All you then need to do is sign and date the form.

If your security is not standard to the vehicle, we would need you to complete the make and model of the security device. If you have a certificate of fitment, you could also send a copy of this in for our records.

A Thatcham approved device may be needed - if you are not sure if your device is, you can contact us and we will be able to tell you. A Thatcham Category 2 device is an immobilising system; a Thatcham Category 1 device is an immobilising system with a linked alarm.

Agreed Value Forms and Photographs

Agreed value forms are not essential to your policy. Without them, the policy will proceed on a 'market value' basis. Therefore it is beneficial for you to provide the forms, but the policy would not be cancelled if you do not send them. If you have been asked for more than one of the following, we require both (or all) of the forms in order to proceed with the agreed value.

Photos - If we have asked for photos of the vehicle, they should be taken square on to the vehicle and make sure it is completely in shot. The Insurers need to be able to see the complete vehicle in order to agree the value you have requested. We also require shots of the engine bay and the interior. For some bigger vehicles, such as motorcaravans, it is better to take more than one picture of the interior. The photos also need to be of good quality with the vehicle clearly visible (for example, no disruption on the photo or no glare).
Agreed Value Form - This is to be completed by you, and needs to be fully completed in order for the Insurers to agree the value you have requested. In the top section, make sure that all of the sections are completed. If they are not relevant, please write 'n/a' in the space provided. In the middle section, you need to specify the condition of various parts of the vehicle, and also detail any modifications and restoration work that the vehicle has had.
Independent Valuation - This is to be provided by a independent and unbiased source who is a member of the Institute of Automotive Engineers and Assessors. It should be on headed paper and state clearly who has provided the valuation and their qualifications. Unfortunately, we are unable to accept valuations from owner's clubs, or garages which have worked on the vehicle or originally sold the vehicle.

Photograph Examples

Direct Debit Agreement

Ensure that you read the agreement thoroughly. If you complete the boxes with your card details, the balance of your agreement will be taken should you default on your payments. The form also explains that the policy will be automatically renewed next year, and that we would tell you the payment amount at least 21 days prior to your renewal.

Proof of Owners Club Membership

If we have asked you for this, a discount would have been allowed on your policy because you are a member of an owners club.

If you have a membership card, please provide a copy of this. If you don't have a card, you can provide the name of the club, the membership number and the expiry date.

If you are a member of an online club, we would preferably need an email from the administrator of the club to confirm you are a member, which states your full name.

Limited Mileage Declaration

If we have sent you a milage declaration, your policy has been arranged on a limited mileage basis. You need to provide the mileage of the vehicle from the beginning of the policy, and will be asked to provide the closing mileage when the policy renews or lapses.

Should you change your vehicle during the policy, we would require the closing mileage on your original vehicle, and the starting mileage on the new vehicle. We would then calculate the mileage for both vehicles when the policy renews.

Proof of Company Car No Claims Bonus

You may have had a company car for the last few years and this is your first policy 'on your own'. If this is the case, your no claims bonus would have been earned on the company car. We can allow a discount on our policies for this, but would just need to see proof from your company. This generally is provided in the form of a letter from the Insurers of the vehicle, or a letter from your Company stating the dates that you had the vehicle from and to, and that you had no claims during that time period.

My immobiliser is not a standard fit, how do I find out what is fitted on the car?

We usually suggest you either contact the previous owner or dealer as they may have fitted it, or take the car to a garage to see if they can find the make and model.

Can someone else sign my paperwork for me?

The paperwork can only be signed by the policyholder.

I know my rough mileage, can I state that on the limited mileage form?

The mileage given has to be as accurate as possible so that we can keep a record of the mileage used within an insurance year. If you cannot provide an accurate reading for this then you may be asked to produce copies of your MOT certificates.

Do I need to state both my engine number and chassis on the modified vehicle report form?

The modified vehicle report form will only need both the engine number and chassis number if there are engine modifications. If this is not the case then you can supply just either the engine number or the chassis.

How to contact us

What is your address?

Our address is:

Adrian Flux Insurance
East Winch Hall
East Winch
King's Lynn
Norfolk
PE32 1HN

What is your telephone number?

Please see our contact information.

What is your email address?

Please see our contact information.

What are your opening times?

Our opening times are as followng:

  • Customer service: Monday - Friday 9.00am - 5.30pm
  • Quotations: Monday - Friday 9.00am - 7.00pm
  • All departments are open on a Saturday from 9.00am until 1.00. The quotations department is open until 4.00pm