Frequently Asked Questions

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.

We deal with a large number of Insurers and each deals with this differently. We therefore advise that you contact our office on 0800 888 7360 to discuss the procedures of your particular Insurance Company.

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.

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.

No, you may provide an estimate from a garage of your own choice for approval by your Insurer. You do however forfeit the benefit of a courtesy car should the approved repairer not be used.

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.

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.

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

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.

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

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.

Legal Expenses Cover is a free benefit given to all Adrian Flux customers and it covers the policyholder and any other person authorised by you to drive, or to be a passenger, in or on, the insured vehicle.

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.

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.

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.

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. 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.

An excess is an amount payable by you 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.

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

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 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.

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.

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.

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.

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.

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.

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

To cancel your policy you need to call us - please find the correct contact number for your policy here.

If you cancel within 14 days of receiving the policy information you will only be charged our £30 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.

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.

This varies depending on the type of policy that you have, how much you have paid so far and whether you have had a claim.

You would not get a refund if you have either a no refund policy, have a pending claim in this policy, have a fault claim on the policy, or have not paid enough so far to cover the charges for the policy.

If the policy does not allow a refund in any circumstance, this would be stated on the paperwork you received when you took the policy out and we would also have informed you over the phone.

If you are unsure of the status of a claim on your policy, please call our claims team on 0844 888 7360 (24 hours a day, all year round) and they can advise you.

If you are unsure if you have paid enough to cover the cost of your policy, please call our customer service team who can give you an indication of any charges or refunds that will apply if you cancel your policy.

If you have a policy that does allow a refund, your policy booklet will show the cancellation charges. Please be aware that it is not standard for an insurance company to charge on a pro-rata (proportionate) basis. This can mean that, if you are paying monthly, you may not have paid enough to cover the charge for the policy.

If a refund is due, it will be issued to the same method of payment that was used to pay for the policy initially.

Our customer service team are happy to help you with any queries regarding cancelling your policy.

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

Our address is:

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

Please see our contact information.

Please see our contact information.

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, odometer 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 - Very occasionally, we may request an independent valuation of your vehicle. If we do, this should 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

• Acceptable Photographs
  photo_acceptable.pdf, PDF 390KB


• Unacceptable Photographs
  photo_unacceptable.pdf, PDF 390KB

The paperwork can only be signed by the policyholder.

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.

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. Your driving licence must show your current address by law. The DVLA will also fine you up to £1000 if you have the incorrect address on your licence. To apply to change your licence online, click here. If your licence shows the wrong address please apply to correct it immediately, then send us copies of the updated licence when you receive it from the DVLA. The DVLA estimate on their website says that it will take up to three weeks to send you the new licence. If you are concerned that you will not be able to send us your licence in the time limit that we have set, please call our customer service department. If you do send us a licence with the incorrect address on your premium could be increased and we may also ask for additional documentation to certify your address.

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.

If we have sent you a mileage 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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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

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, odometer 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 - Very occasionally, we may request an independent valuation of your vehicle. If we do, this should 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

• Acceptable Photographs
  photo_acceptable.pdf, PDF 390KB


• Unacceptable Photographs
  photo_unacceptable.pdf, PDF 390KB

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.

You can tax your vehicle at a Post Office or online. Your car must be insured and have a valid MOT, if required. To tax your vehicle at the Post Office, please take your certificate of insurance or covernote (as well as any other paperwork the DVLA have specified). To tax your vehicle online, click here. You will need your tax reminder from the DVLA. You do not need to have your certificate of insurance or MOT certificate, as the DVLA will check this electronically. If you do need a new certificate of insurance, you can click here to request one. You can also call our customer service department if you would like for it to be sent by special delivery. This service incurs a small cost.

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.

If you need a hard copy of your certificate of insurance, contact us as soon as possible. We can offer the special delivery service at a surcharge.

You can request a new copy of your certificate here

If you take out, renew or change your vehicle you will always be sent a new certificate.

If you need to tax your vehicle, you do not necessarily need your certificate of insurance. If your car has a valid MOT and is insured, you can tax the vehicle using the DVLA's website. You will need the 16 digit reference number printed in the green box on the front of your V11 reminder or the 11 digit reference number shown on the front of your registration certificate and your vehicle registration number.

The DVLA website will guide you through the vehicle taxation process. If a message appears that states that your vehicle is not insured, this could be because your policy has recently been taken out, renewed or changed. We update the information via your Insurance Company on the Motor Insurance Database (MID) as soon as possible, however this process can take a few days. If this occurs, please contact us for a new certificate to be sent to you.

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.

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.

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.

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.

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.

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.

Cheques should be made payable to Adrian Flux Insurance.

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.

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.

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)

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.

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.

Breakdown cover can be purchased after the policy has been taken out. Click here to purchase breakdown cover. Please note that the cover does not start until 24 hours after purchase and does not cover any existing breakdown.

Personal accident cover can be bought up to 14 days after the policy has been taken out. Please call our customer service team

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.

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.

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 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.

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.

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

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

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

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.

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

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

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.

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).

Legal Expenses Cover is a free benefit given to all Adrian Flux customers and it covers the policyholder and any other person authorised by you to drive, or to be a passenger, in or on, the insured vehicle.

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.

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.

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.

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.

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

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

An excess is an amount payable by you 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.

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.

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 we have requested an independent valuation, this should 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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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 this could apply to your policy please contact our customer service department.

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.

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.