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Submission: On June 19 via api from US — Scanned from NL
Effective URL: https://www.adrianflux.co.uk/
Submission: On June 19 via api from US — Scanned from NL
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Skip to main content New Customers 0800 369 8590 | Existing customers 0344 381 6502 New Customer Existing Customer * Contact Us * Customer Login Menu * Car Insurance * Standard Car Insurance * Classic Car Insurance * Modified * High Performance * Kit Car * 4×4 and Off Road * Disabled Driver Insurance * Young Drivers * Learner Drivers * Black Box Insurance * Find more… * Home Insurance * Household Insurance * Landlord Insurance * Holiday Home Insurance * High Value Home Insurance * Unoccupied Home * Flood Risk Insurance * Subsidence Insurance * Criminal Convictions * Find more… * Van Insurance * Private Van Insurance * Modified Van Insurance * Minibus Insurance * Company Car and Van Insurance * Double Cab – Truck Insurance * HGV Insurance * Tipper Insurance * American Van Insurance * Find more… * Other Insurance * Motorhomes * Campervan Insurance * Caravan Insurance * Flexible Travel Insurance * Breakdown Cover * Keycare * Trailer Insurance * Bus Conversions * Find more… * Bike Insurance * Quad Bike Insurance * Trike Insurance * Scooter Insurance * Superbike Insurance * Classic Bike Insurance * Cruiser Insurance * Visit bikesure.co.uk * Existing Customers Save money with Specialist Insurance CAR INSURANCE * Thousands of models covered * Agreed Value insurance * Modification cover * Low Mileage and Club Member discounts Learn More Get a quote > 81.5% of customers could get a cheaper quote over the phone* Enter your number to get a quote and we'll call you in a minute. Your telephone number: Callback Existing customers please call 0344 381 6502 HOME INSURANCE Learn More Get a quote VAN INSURANCE Learn More Get a quote BIKE INSURANCE Learn More Get a quote MOTORHOME INSURANCE Learn More Get a quote GET A GREAT SPECIALIST INSURANCE QUOTE FROM ADRIAN FLUX With over 50 years of experience, Adrian Flux is the UK’s largest specialist motor insurance broker, covering everything from classic and vintage cars, right through to heavily modified sports cars. We use our specialist knowledge to offer great rates covering almost every vehicle imaginable with special low rates for classic car insurance, hot hatch insurance, high-performance car insurance, modified car insurance, 4×4 insurance, kit car insurance, grey import car insurance and much more. Get a quote Because the insurance we offer is tailored to your exact needs, all our quotes receive the attention of an insurance specialist, so you will usually get our best quotes, as well as a faster service, over the phone. As well as the best car insurance quotation service around, we also offer great rates on motorcycle insurance, home insurance, caravan insurance, van insurance, and travel insurance. CAR INSURANCE * Classic * Modified * Kit Car * 4×4 & Off Road * Hot Hatch * Imports * American Cars * Performance * Standard * See all car departments VAN INSURANCE * Commercial Vehicles * Pick Ups * Double Cabs * Private Vans * Tippers * Trucks & HGVs * Tools In Transit * Horseboxes * Convicted Drivers * See all van departments HOME INSURANCE * Home & Contents * Landlords * Home Business * Tenants * Flood Risk * Thatch Roofs * Unoccupied Homes * Holiday Homes * Park Homes * See all home departments OTHER INSURANCE * Travel * Gadget * Motorhomes * Caravans * Motorcycles * Key Cover * Breakdown * Campers * Driverguard * See all departments With over 50 years’ experience in arranging insurance for every kind of car imaginable – and some you probably couldn’t imagine – we will tailor a policy as individual as you and use our expertise to find you the cheapest premium, and the best car insurance scheme possible. By speaking to a specialist insurance broker we can help you save lots of money by tailoring your quote to your exact needs. LATEST NEWS AND BLOGS FROM ADRIAN FLUX Learner Driver Hub @Learner Driver Hub 1 day ago What happens if I drive over the speed limit? Driving over the speed limit is illegal, but it is a mistake that thousands of UK drivers make every year. Here we examine what happens should you go over and whether you will receive a ban or get a fine. How much does a speeding ticket cost? Speeding fines in the UK are split into several bands, each having different costs associated with them, depending on how fast you were travelling over the limit. The more you exceed the legal speed limit, the higher the fee and number of points you should expect. The cost of a speeding ticket varies, and is split into bands; A, B, C, D, E and F. The minimum penalty for being caught committing any speeding offence is a £100 fine and three points on your licence. You’ll be charged a percentage of your monthly income as a fine. This can be up to a maximum of £2,500, depending on the severity of your offence. You could also have your licence suspended or revoked. How long do points stay on my licence? Penalty points for speeding stay on your licence for four years from the date of conviction, and can’t be removed until their anniversary. New drivers will be banned from driving by the DVLA if they receive six points within two years of passing their test. More experienced drivers are disqualified if they receive 12 or more points in a three-year period. Will a speeding fine affect my insurance? If you have a history of speeding, insurers will generally charge you a higher premium on your insurance. Insurance companies check your driving licence when you are getting a quote for penalty points and any convictions you may have, along with past disqualifications, in order to determine what monthly or annual premiums you will be charged. Can I drive over the speed limit? Whilst there is a common myth that you will only be charged for speeding if you are driving more than 10% over the speed limit, this is in fact false. Even if you are driving 1mph over the speed limit, you are still breaking the law. Speed limits are a limit and not a recommended speed, and should be adhered to at all times. What happens if I’m caught driving above the speed limit? If you are caught speeding, whether that’s by a speed camera or a police officer, you could end up with one of the following: A verbal warning An invitation to attend a speed awareness course A Fixed Penalty Notice (FPN) A summons for court How long does it take a speeding ticket to come through? Typically it will take up to 14 days for your Notice of Intended Prosecution (NIP) to arrive in the post if you have been caught by a speed camera. However, if you are caught by a police officer and pulled over, you will receive your ticket there and then. Once you receive your NIP you will have 28 days to respond if you choose to argue against the ticket, or you may be able to pay a smaller fine should you respond quickly. Whether you accept the ticket or not, you will need to complete the Section 172 notice that will arrive with your NIP, to declare who was driving the vehicle at the time of the offence. It’s worth noting the speeding ticket will be issued to the registered owner of the vehicle, not necessarily the driver at the time of the incident. For example, if you’re driving a company car, your employer will be notified of the speeding fine and not yourself. Can I avoid a fine if I attend a speed awareness course? In some cases, drivers who are caught speeding are invited to attend a speed awareness course. It should be noted that not all speeding offenders will be able to attend a course to avoid penalty points on their licence. If you do attend a course, you will not receive three penalty points, but you will have to pay between £80 and £100 as a fee for the day and engage in the course. Can I be taken to court for speeding? If you are not eligible to attend a speed awareness course, you will receive an FPN. When you receive this you will have the option to either accept it or to contest. Upon accepting the FPN you will be given three penalty points on your licence and a fine. However, if you choose to contest the speeding offence, you will have to go to court where you may face a larger fine and possibly even more penalty points added to your driving licence. If you break the speed limit by a large enough amount, you will have to go to court. If you are summoned to court and do not go, you will almost certainly be found guilty. In the event that you receive a court summons for speeding, you can request that all evidence against you be disclosed before making your plea of guilty or not guilty. If you plead not guilty and are found guilty by the court, your fine and the number of points you get could be higher than if you accepted the NIP to begin with. What happens if I get caught speeding as a learner driver? You can still get penalty points on your provisional licence and even fines as a learner driver if you speed. These penalties may also be given to whoever is supervising you in the car instead. Learner driver insurance from Adrian Flux. We offer learner driver insurance policies tailored to suit your needs. Call 0808 109 7574 for a swift no-hassle quote. Alternatively, book a callback at a time that suits you. The post What happens if I drive over the speed limit? appeared first on Learner Driver Hub. Fluxposure @Fluxposure 5 days ago What to consider when buying a home in a flood risk area The UK is known for many things, but we can’t deny that rainy weather is definitely one of them. When it rains, it pours, and particularly heavy downpours (plus other causes like tidal surges and raised groundwater levels) can lead to flooding in certain parts of the country. Flooding concerns may arise if you’re wanting to get on the property ladder because around 5.5 million homes in England are actually at risk,, including a proportion of homes built in the last decade. So it’s possible that your house-hunt could lead you into flood-risk areas. While you might be apprehensive to make an offer on, or even view, a flood-risk home, there’s plenty of reasons a risk or history of flooding shouldn’t stop you from purchasing your dream home in a specific location. Remaining informed and prepared is your best bet in this situation so, keep reading to find out what you should be considering when buying a home in a flood risk area, including key tips on how to get informed about your property ahead of buying it, and how you can best protect it after a sale goes through. How can you find out if a home is in a flood risk area? Part of keeping informed is knowing what you’re dealing with from the get-go. You can check the long-term flood risk for any area in England via the government website, where you can also keep up-to-date with current flood risks in the UK. There are also websites that will help you research the flood risk in Scotland, Wales, and Northern Ireland. Can you find out the flooding history of a property? If the house has flooded previously, try to obtain the extent of the damage and the cost of repairs from the seller – this could impact the amount you choose to offer or if you proceed with the sale. You can also ask the estate agent. Both have a responsibility to disclose any known information of this nature. If you want to avoid any awkwardness, you can also email the property’s address to enquiries@environment-agency.gov.uk and ask for a flooding history report. Make sure you’re checking for the different types of flooding that can occur, as coastal flooding may be categorised differently to the flooding that can happen to a riverside property. You should also ensure that you talk to your mortgage advisor/lender. Some may be pickier than others when it comes to flood-risk properties, so it’s important to make sure you’d be able to borrow the necessary funds before falling too deeply in love with your potential new home. How can you protect your new property from flooding? So, now you’re informed on what may be coming, practically, remaining prepared for a possible flood will help to give you some peace of mind. Firsty, you can sign up for flood warnings to ensure that you’re never caught off guard, and check for support and local flood plans. You can also find out what public or local flood defences are in place in the area, for example barriers. These will often be managed by the Environment Agency and might reduce your need for personal defences. Creating your own flood plan can be helpful too. This may include moving important documents to a protected place, knowing where you can go to for help if necessary, how to keep your pets safe during a flood, and how you can protect your car from flood damage, plus listing what should be included in your flood kit. There are also easy-to-apply defences that you can purchase yourself, including: Flood barriers – These can be put around your home and in doorways to prevent the flood coming into your home. Sandbags – The sand will help to absorb the water before it can seep into your property and cause damage. Water diverters – Similar to flood barriers, these are designed to not just stop the flood in its tracks, but also divert the water away. All of this preparation is simple but incredibly effective; and you may never need to utilise it, but it will keep you feeling reassured and ready to go. How can insurance help to protect your property in a high risk flood area? Adrian Flux understands that insuring your property will be an important part of the home-buying process, and we are one of the few insurance brokers that can offer appropriate flood insurance options for homes that are located in areas with a moderate to high risk of flooding. Even if the property has been flooded before, we will strive to find an insurance deal that’s right for you. Call 0800 369 8590 for a quick and easy home insurance quote or book a callback at a time that suits you. Post from Fluxposure. Fluxposure @Fluxposure 6 days ago What is underpinning and how much does it cost? Underpinning is a term you may have heard before, whether you’re a homeowner or looking for your forever home, but it brings with it a lot of questions. You can’t build something without a strong foundation as a base and, of course, that is never more true than with your home. Underpinning can be part of this, so in this blog, we take a look at what it is and how it could help you. How does underpinning work? Underpinning is a process to ensure the stability of a building, acting as a solution to issues like subsidence. Being used as a part of the initial construction of a building and any renovation, underpinning is when a structure, typically a house, is strengthened. It usually occurs when the existing foundation is no longer strong and secure enough. It can be done in several different ways, the four main being: The beam and base method Where concrete beams are used to reinforce the structure, these beams will be added below the original footing or they’ll replace it completely. Strengthening of the soil The injection of a specific type of grouting or a structural resin foam into the ground below the home to combat weaker soil or earth. Mass concrete method Also known as a mass pour, this is the process of creating box-shaped holes (at a specific depth) underneath the property’s foundations and then filling them in with concrete. A construction crew may use this method when your home’s foundations are too shallow. Piling When the mass concrete method isn’t possible as the excavation is too deep, a builder may use this method. This will be the use of screw piles and brackets to reinforce the foundation of a property. Why might a house need to be underpinned? As mentioned above, there are multiple underpinning methods that can be used on your home if necessary but, naturally, you may be wondering what to look out for before you get to that point. Though a lot of these reasons are out of your control, remaining informed is the best action you can take to ensure they don’t become a bigger issue in the future. These are the main reasons for underpinning: Subsidence: When the ground underneath a property begins to sink and pulls the foundation down too. This typically happens when the ground becomes too dry or too wet, causing the earth and the foundations below your home to shift. If you look out for cracks and uneven surfaces in your property, you can usually catch it before it becomes a major issue Structural changes : If you plan on adding a new floor or extension to your home, it’s best to consider the strain this may put on your property’s foundations and talk to your builder about this (but they will most likely have already started considering this) Property age: If the building is older, the original foundation may begin to weaken. While many older properties were truly built to last, underpinning may still be useful to help reinforce the existing structure. Natural causes: Us Brits are quite lucky when it comes to extreme weather conditions, but we do still get flooding, droughts, and the occasional earthquake. Though rare, especially if you don’t live in an at-risk area, these can cause a foundation shift that will then require underpinning. For those living in an at-risk flood area, there are precautions you can take to prevent extreme damage to your property’s structure. How much does it cost to underpin a house? The cost of underpinning a house will vary depending on the property’s size, location, and need for underpinning (the condition of your home’s structure), but it can range between £5,000-£25,000 for the average home. Builders will quote for the job per metre squared with piling being the most expensive method. What should you do if you think your home needs underpinning? Caught the early signs of subsidence or just think your home may need underpinning? No problem, the process isn’t as complicated as you might think. You can contact a structural engineer so they can look at your home and its foundation. They will be able to assess your situation and then guide you through the next steps. If in doubt, always seek professional advice and guidance. Can you get insurance for an underpinned home? At Adrian Flux, we understand that for those with underpinned properties, it can be unnecessarily hard to get insurance for your home. That’s why we offer underpinned house insurance policies for all types of homes – even for listed buildings and holiday homes. Call us on 0800 369 8590 for a quote or book a callback at a time that suits you. Post from Fluxposure. Show More EXISTING CUSTOMERS Learn more KEYCARE £19.00 BREAKDOWN £65.00 COURTESY CAR £33.00 EXCESS PROTECT £34.99 * FAQs * Customers * Blog * About * Contact * Careers *81.5% of all customers receiving an online quote in August 2022 could have obtained a cheaper quote over the phone, based on the information they provided. © Adrian Flux Insurance Services, 2024. All rights reserved. Please note our Privacy Policy. Adrian Flux Insurances Services is authorised and regulated by the Financial Conduct Authority (FCA) under the registration number: 307071 Registered Office: East Winch Hall, East Winch, King's Lynn, Norfolk, PE32 1HN, UNITED KINGDOM. This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Accept Read more × EXISTING CUSTOMERS Click the button to visit our customer portal where you can make changes to your policy, view policy documents, make a payment, and find out information about us. Can’t find what you’re looking for? Give our team a call on 0344 381 6502 and we’ll be happy to help. × KEYCARE 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 £19.00 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. Get a quote Find out more × BREAKDOWN Get comprehensive breakdown cover from just £65.00 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. Get a quote Find out more × COURTESY CAR Being stuck without a courtesy car following an accident can not only make it hard to get around, but also stand in the way of going to work, doing the weekly shop, and enjoying your spare time. Many people assume that every car and van insurance policy provides a courtesy car as standard, only realising too late that it isn’t the case. In fact, most non-comprehensive policies will not offer you a courtesy car, and there are even situations where having a comprehensive policy won’t guarantee you one. Make sure that you always have access to a courtesy car by adding one to your Adrian Flux motor policy. Just ask one of our team about how we can help. Get a quote × 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, particularly if you have a bad accident, or a high voluntary excess. To help soften the blow of claiming on your insurance, our excess protect policies will pay back the cost of your excesses during the year, saving you the cost of your claims. In many cases, excess protect cover is available at different levels to help you tailor cover to the cost of your excess. Speak to a member of our team to find out more, and to add it to your policy. Get a quote Free RSS Widget