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Guide To Starting A Home Business

In today’s economy, small businesses and start-ups are a vital source of jobs and income for many of us.

An amazing 99% of companies in the UK are now classified as ‘small businesses’ – ones with fewer than 49 employees – and most people will know someone who has left their job to start their own business, or know people who run or work for family businesses.

You won’t have to look far to find examples of small business success stories either, meaning people are now more tempted than ever to break out of the office, try something new and be their own boss.

One of the easiest ways for people to get into the world of small business is to start running one from home. Combining the comfort and flexibility of your own home with low overheads and the freedom of being your own boss, home businesses are a vital first step for many successful companies.

To help people get to grips with starting their own business, we’ve put together this handy PDF guide. Giving tips on everything from planning and financing your business to setting up a home office and networking, the guide is great introduction to the basics of business.

Click the button below to view our guide to home businesses:

Home Business Guide

Did you find the guide useful?

Are there any top tips of your own that you’d like to share?

Let us know in the comments below or via social media.

Flux-Sponsored Rally Team Brave Woodbridge Weather For Trophy

It was an early start for Matt and David Smalley as they headed for RAF Woodbridge in Suffolk to take part in the Cadman Construction Woodbridge Stages on Sunday March 29th

Arriving at 6.45am, the pair completed the scruiteneering and their registration in Class A, and prepped their detailed stage maps and plans for the day ahead.

The car of choice for the Smalleys was a 1995 1.4 Vauxhall Corsa, equipped with a Bill Falkoner clubman spec engine, Alpha engine management, close ratio gear kit, limited slip diff, upgraded suspension, and a full roll cage.

The Flux-sponsored crew was confident of a good first run when the rally started at 9am, but as the rain started to fall just before the first stage, things didn’t go entirely to plan.

The Smalley Car

The Smalley Car

“We decided to run slick tyres on the front throughout stage one as the rain hadn’t really started to settle when we began, and on them we managed the 34th fastest time and were 5th in class,” Matt explained.

“At one point we came around a long sweeping right turn over a jump into a left-hander, and as we were coming around the back end got away from us and we started sliding. As David tried to correct we slid the other way, wiping out and hitting a sign – luckily is wasn’t anything bigger or we could have been in trouble!”

Heavy rain and a switch to front wet tyres and cut slicks in the rear boosted the pair up to 4th in class after stage two and three. Stage four got off to a shaky start though when a puncture in their left-rear was discovered on the way to the stage start, forcing them back into the service area for a quick swap to intermediates. Returning to the start with just minutes to spare, the pair slipped their way around the wet track to defiantly hold on to fourth position.

As weather conditions worsened going into stage five, the pair knew they had to make up time if they were to be in with a chance of a podium finish in their class. Pinning their hopes on one final tactical throw of the dice, standard road tyres were fitted on the rear, with wets on the front.

Delayed by an upturned Escort, the Smalleys eventually stormed off the line, with David recording the best times of his day to drag the duo up to 3rd in class. With a six second lead over the Nissan Micra placed fourth, and 14 seconds over fifth, the pair realised they’d finally hit on a winning formula and so opted to stick with their tyre setup for the final stage.

“As we queued up for the start of Stage 6 we were behind a Mitsubishi Lancer Evo 6, and I joked to David that I fancied him to catch it that stage, despite it’s four-wheel drive advantage,” said Matt.

3rd Place Trophy

“We couldn’t believe our eyes when we actually caught sight of the Evo on-track in lap two, and David really started pushing to catch up with him. Unfortunately David pushed a little too hard, and going into a jump after a fast left turn the back end went and we ended up in a big spin heading towards the grass verge.

“I thought the car was going to roll when we hit the grass, but luckily we skipped over it – instead skidding off 50 meters into a field. It seemed like eternity until the car started again though, and we ended up losing a good 20 seconds to the crash.”

Eventually getting back on the track, the pair completed the stage as quickly as they could, convinced that their third place was now lost. Luckily for the Smalleys, their two closest rivals had both failed to claw back the time difference, leaving them tied with the Micra for third.

“We posted exactly the same time as the fourth placed Nissan on stage one, but we’d managed to beat their stage two time by 10 seconds – meaning we secured third in class for us, and 16th place overall on count back, a really good result.

“The event was a great day out, and we’d like to thank Chelmsford Motor Club for running it, and all the marshals that stood out in the wind and rain all day – it really is appreciated.”

For more information on the Cadman Construction Woodbridge Stages, head over to http://woodbridgestages.co.uk/

Is this the caravan of the future?


Here at Adrian Flux the sun is shining and it feels like summer is just around the corner. For many of us that means its time to get the caravan out of winter storage and get on the road.

Caravans have long been a big part of family getaways, with many of us having experienced, and even enjoyed, a few childhood caravan holidays at least. They’re never known as the most luxurious holiday destinations, but all that could be set to change.

With the caravan holiday season just around the corner, we’ve been thinking about ways of modernising the experience for caravanners.

This interactive guide compiles our favourite futuristic caravan accessories; from luxuries like body dryers and Bluetooth mirrors, to eco-friendly features like wind turbines and solar panels. It may sound like a sci-fi film but all of these accessories are real – although we’re not sure if any campsites would be able to power them all at once!

You can find the guide, and details of the accessories included, here


What is your most high-tech or futuristic caravan accessory?

What do you think of the Adrian Flux Guide to Futuristic Caravan Accessories?

Let us know in the comments section or via Twitter or Facebook.

If you want to win, hire a Finn

Which nationality is fastest around a track?

The debate has raged for decades, from classrooms to pubs, internet forums to social media – people never tire of asserting that their compatriots are the quickest on four wheels.

One of the claims you’re most likely to hear is that Finns hold the title of fastest nationality – “if you want to win, hire a Finn” being the usual rallying cry of the small Nordic nation.

In an attempt to finally resolve the matter, and put the debate to bed, we’ve put together the infographic below, comparing population sizes with racing title wins to discover who stands at the top of the podium.

The Finnish Thing

(Click the image to see a larger version)

Fantastic across all forms of racing and just at home on the wildest rally stage as on the streets of Monaco, the Finns ran away with the result in our research.

Do you disagree with our findings? Are you a Finn and fancy bragging about your win? – let us know in the comments or via social media, and don’t forget to share with your friends too!

EU Law Lets French 14-Year-Olds Drive

For parents in France, the days of their teenage children pestering them for a lift are soon to be over, thanks to an EU ruling on driving licence laws.

In an effort to standardise driving regulations across Europe, EU laws have changed to allow all 14-year-olds to drive light quadricycles, with France being the first nation to apply the ruling.

Being previously limited to scooters from the age of 14 after passing their road safety tests, light quadricycles are a more comfortable, practical and weatherproof alternative for French teenagers.

The vehicle of choice following the ruling is the Renault Twizy 45, a two-seated electric quad that boasts a blistering 5hp and a top speed of 28mph. That might not sound much, but it’s more than fast enough to keep up with inner city traffic and to cruise around urban areas.

Renault Twizy 45


With a range of around 60 miles on a 3-hour charge, and being only 2.34-meters long by 1.24-meters wide and weighing in just below 500kg, the Twizy 45 is perfectly suited to the narrow and busy streets of Paris. Plus, with an airbag, seatbelts, disk brakes and a full car-style chassis, the Twizy is considerably safer than scooters.

More than 15,000 Twizy 45s have been sold in within the EU so far, but being priced at around £5,000, the Twizy is more expensive than both scooters and entry-level cars. The tiny electric car is being pushed by Renault following the law change, and both they and experts are expecting sales to continue to rise from now on, despite the price.

The ruling, as with many EU actions, has fueled both supporters and opponents within France and across Europe. Proponents of the change have suggested that putting 14-year-olds on the road in low-powered cars will provide valuable on-road training, which will lead to drivers having more experience when they do eventually move on to larger vehicles.

The law’s critics, however, have questioned the sense behind putting such young drivers in control of larger vehicles – vehicles that could cause considerably more damage in a collision than a scooter, all with the bare minimum of driving tuition too.

franceIn a broader sense, many anti-EU sources have again questioned whether the EU should implement sweeping cross-border rulings, especially in cases where they might not be needed or wanted.

Coming in the wake of another EU ruling about how vehicle insurance might work in the UK in the future  the new change has raised concerns for some that 14-year-olds might soon be allowed on British roads too. However, due to the UK’s minimum age for driving licences being 16, we’re unlikely to see anyone younger in a Twizy this side of the Channel any time soon.


How do you feel about the ruling, would it make you feel more or less safe on the road in France?

Would you welcome the change coming into force in the UK too, or are you happy with the current rules?

Let us know in the comments below.


Flux sponsors fast and furious American super stock series

They’re big, they’re brash and they’re burning rubber faster than you can say American Super Stock.

Here at Adrian Flux, we’ve been providing great American muscle car insurance since 1975, so we’re continuing to support the UK’s biggest US drag race series for 2015.

Racing proper gets under way at York Raceway on Easter Monday, April 6, and promises the usual mix of classic and modern muscle cars from Mustangs to Camaros and Firebirds to Road Runners.

Ford Mustang

Ford Mustang

Icons from the 60s and 70s – big machines with an angry presence and even angrier exhaust notes – through to gasser style cars and svelte modern muscle cars, plus high-powered trucks, await visitors for the nine-round series of races.

Cars of differing performance do battle over the quarter mile, with the most powerful cars handicapped to provide a true battle of driver skill and reliability.

Back in the early 70s – the heyday of the muscle car movement – the American motor industry’s motto was “win on Sunday, sell on Monday” – in other words, crazy performance on the strip from these V8, 7000cc beasts sold cars…

Pontiac Firebird

Pontiac Firebird

American cars of any description, let alone these iconic muscle cars from the US motoring glory days, remain a pretty rare sight on UK roads, so this is a great opportunity to get up close to some of the most shamelessly excessive motors ever made.

Flux can provide cover for just about any American vehicle on four wheels, whether it’s as it left the factory or heavily modified.

Chevrolet Chevelle

Chevrolet Chevelle

General manager Gerry Bucke said staff at the broker had a real understanding of the issues facing the owners of American cars in the UK.

“We’ve been involved in this area for 40 years, and as a result we’ve negotiated some fantastic deals that really take into account the special treatment owners give their American cars,” he added.

“Owning and running an American car in the UK is a real statement and shows a dedication to the marque and the whole culture of motoring that we just love.

Dodge Coronet

Dodge Coronet

“Unlike most insurance providers, we don’t run a mile from anything a little bit different or that isn’t built for the UK market – in fact, we positively encourage people to come to us with their unusual, rare or modified vehicles.”

Among the benefits and features offered include:

  • Agreed value cover for classic and modern vehicles –  make sure your car is covered for its true value, so you won’t get a nasty surprise if you need to make a claim.
  • Modified car insurance – if you’ve modified your American car in any way, we can ensure that your car is fully covered with like for like replacement parts.
  • Laid up cover for restoration projects or for when your car is off the road for any reason.
  • Limited mileage discounts – the fewer miles you drive, the more you can save, from as little as 1,500 miles.
  • Wedding hire cover can be arranged to help you earn a little cash to cover the cost of running your pride and joy.
  • Owner’s club discounts – discounts of up to 15 per cent depending on the policy taken.

The full calendar for 2015:

April 5: Mini Shootout, includes Run What You’ve Brung and Test & Tune if you need some track time.

April 6: Round 1, Easter Nationals

May 3: Round 2, Super Street Shootout

May 4: Round 3, UK Open Nationals

May 24: Round 4, Volks Power’s Power Fest

May 25: Round 5

July 4: Round 6, Sportsman Nationals

August 30: Round 7, National Hot Rod Reunion

August 31: Round 8

September 20: Final round, UK Northern Finals

October 11: Any un-concluded finals, Judgement Day.

10 of the best (or worst) retro car accessories



If you learned to drive in the 1980s, the chances are your first car was pretty basic. OK, very basic. Plastic seats, metal steering wheels, no mod cons, no cassette player (what are CDs?) and a distinct lack of instrumentation.

So, a decade before the modification scene really kicked in, we did our best to personalise our cars with all manner of naff accessories. Obviously, at the time, we thought they were cool, but they mostly weren’t.

Specialist insurance broker Adrian Flux has been providing bespoke cover for modified cars since (mostly) youngsters first decided their car just wasn’t funky enough as it left the factory.

Here are 10 retro accessories that “improved” our cars while our parents looked on in horror.


211px-Pink_fuzzy_dice_clothesline1) Furry dice: arguably the most iconic car accessory of them all, furry dice originated in America, where they were called fuzzy dice, in the 1950s. It’s thought that US airmen hung dice in their cockpits during World War II, either for good luck or as a sign that returning safely from every flight was literally “a roll of the dice”. When they returned from the war, they carried on this practice in their cars, and the dice were taken up by street-rod owners who competed in illegal street races. Later, the dice entered the general alternative motoring culture and the trend travelled across the Pond where boy (and girl) racers made them ubiquitous.

These days, furry dice are an ironic nod to the past, a kitsch piece of motoring nostalgia hanging from rearview mirrors gazing back to a rebellious past.


2) Personalised windscreen sun shades: if you had the furry dice, you may have also been tempted into a stick-on windscreen sunstrip with your name on, or yours and your partner’s. Not everyone in the 70s and 80s was called Kevin or Tracy, but these sunstrips – which actually served a practical purpose in the days before windscreens came with sun-shading built-in – became synonymous with two of the most popular names of the era.

Even back in the day these were generally considered a bit naff, but at least Tracys everywhere could be fairly confident their Kevin couldn’t give lifts to random Sharons without facing some awkward questions.

Screen Shot 2015-02-24 at 14.10.08

3) Furry seat covers: if you’ve ever driven a car with plastic seats and no air conditioning on a scorching hot day, you’ll understand why a huge market grew up in seat covers. Wear jeans and you roast, wear shorts and you end up peeling your bare legs off the sweat-soaked plastic.

So a seat cover could be seen as necessary. But a tartan seat cover, a leopard-skin seat cover, a seat cover so ludicrously furry you feel like you’re being swamped by a bear that leaves fluff all over your clothes? Not necessary.

Steering wheels suffered a similar fate – many were made of metal in the bad old days, becoming as hot as the surface of Mars in the sun. While some opted for leather or soft plastic, which needed to be intricately laced into place, some could not resist turning their wheel into a monstrous circle of lurid fluff.


4) Nodding dogs: apparently originating in Germany, the nodding dog was supposed to be more cutesy than cool, and was therefore shunned by the furry dice brigade and taken up instead by the same sort of people who had stick-on Garfields in their cars and model butterflies adorning the front of their homes.

The dogs usually sat on the rear parcel shelf, with their heads nodding (and generally rotating) with the motion of the car, no doubt intending to amuse following motorists but more likely to irritate or distract.

The dogs have enjoyed a renaissance in recent years, largely thanks to a certain insurance company’s mascot.


5) After market cassette players: not many basic cars of the 70s, which is all most of us who started driving in the 80s could afford, came equipped with cassette players. Indeed, the first in-car stereos only started appearing towards the latter end of that decade.

So come the mid-to-late 80s almost every young driver out there wanted tunes in their car, and turned to the burgeoning market for in-car stereos. If you had the cash you could get a flashy number with garish lights, a graphic equaliser and marry it to some huge speakers cut into your rear parcel shelf or front door inners.

But all many of us could afford were cheap units, often with three buttons – fast forward, rewind and eject. We often fitted them ourselves, or asked a mate with a tiny bit more electrical knowledge than our own zero.

If there was no space in the dash for a radio, they were crudely bolted into place, shoved in the dashboard or fitted into chipboard centre consoles that squeaked maddeningly and often fell apart quite quickly.Cassette-Player

This amateur fitting sometimes resulted in curious side effects to the playback – I once had a car where the speed of the music changed in time to the revs of the car…I think I invented drum and bass.

Another hazard of the cheap cassette player was their habit of chewing up and refusing to spit out your TDK 120 with its illegally home-taped Top 40 rundown. If you were lucky you could eke it out carefully and use a pencil to wind the tape back into place.

No matter how cheap and nasty your cassette player was, it was 99 per cent certain to be stolen at some point. Car alarms were barely considered, especially for a banger that was worth £300 and, in the case of my mark one Ford Escort, the lock could be turned with a screwdriver or a penknife.

Oh yes, those were the days…


6) Wooden beaded seat covers: loved by taxi drivers, especially in New York it seems, the wooden beaded seat cover was a staple car accessory for many in the 70s and 80s. Distinctly uncool, ironically so as keeping you away from sticky plastic seats in hot weather is a key attraction, the wooden beaded seat cover was mostly used by the same people wearing driving gloves who had a tartan rug draped over the back seats and a picnic basket in the boot – old people in other words (and people with bad backs).

And millions of taxi drivers can’t be wrong…


7) Musical air horns: The Dukes of Hazzard was almost certainly to blame for the rash of musical air horns that started blaring out from every Capri, Escort or even Mini in the 1980s. Those Duke boys played the Dixie horn fitted to the General Lee at almost any opportunity, and a craze was born. The Dixie horn wasn’t originally planned for the car, but when producers heard a Georgia hot rod racer drive by sounding his horn they rushed after him to find out where he had bought it and the rest is history. Although you can still buy the Dixie horn (the internet is full of them) they are mercifully illegal in the UK.


8) Anti-static strips: remember those magic little rubber strips that dangled down from the back of cars and touched the road? They were sold as a cure for all sorts of niggling motoring ills, from radio interference, car sickness, lightning protection and to prevent electric shocks when you opened car doors. They trouble was, they cured nothing, unless the placebo effect did the trick with car sickness. The theory was that these strips prevented static electricity from building up on the car body, but it doesn’t take a genius to deduce that car tires already do that job, about 10 million times more effectively (and they don’t cure car sickess…). Trading standards even got involved and stopped retailers making these claims. A few people may have just thought they looked cool…


9) Stick-on dashboard instruments: long before we were all sticking sat navs, mobile phone holders or bluetooth MP3 devices to our car dashboards or windscreens, some of us were adding stick-on clocks, digital thermometers and, most puzzlingly, compasses.

I had a compass stuck to my car dashboard and you can still buy them now despite the low cost of sat navs and mapping on smartphones. But even before those innovations, I never used my compass – road maps and road signs served me pretty much fine on their own without the need to know where north was.

So unless you’re planning on entering a rally or you do a lot of proper off-road driving, I suspect you don’t really need – and never needed – a compass.

193px-Lancer_Hubcap (1)

10) Plastic wheels trims: many cars of the 70s and 80s had came with steel wheels, some of which rusted. But for whatever reason, many people were desperate to cover them up and invested in cheap plastic wheel covers, often bought from markets or Halfords. They often fell off or were stolen within a few days. Other classic 80s additions were novelty gear knobs, go faster stripes, novelty attachments for the end of your aerial and massive Kenwood stickers in the back window (they might as well have said “steal my stereo”).



Caravan holiday: don’t forget to pack these ‘must haves’



Getting a caravan back on the road for the spring and summer is an excellent excuse to invest in some new gadgets. Caravanners are consummate hobbyists and always looking for new ways to make their holiday comfortable, fun and value for money.

Often a holiday offers the time to indulge in new activities, get into shape or just relax in the sun. Adrian Flux Insurance Services has looked at what is around to keep caravanners occupied on their precious time away from the demands of home life.

There is a new breed of inflatable canoes and kayaks that are a far cry from the old rubber dinghy. They are high performance models that are maneuverable and comfortable. Companies such as Inflatable Kayaks offer packages that include kayak, paddles, pump and free delivery in the price. The boats are perfect for loading into the caravan ready to be pumped up on arrival on site.canoe

For the active holiday maker who likes to keep track of what they are doing the Garman Forerunner 305 wrist-mounted sports performance trainer is a must have device. It combines a high-sensitivity GPS receiver and watch with a heart monitor that records heart rate, speed, distance, pace, and calories. You can even download information onto your laptop to really analyse your performance. Sites like SatNav Discounts give the best deals round.Screen Shot 2015-02-24 at 13.49.55

When you do relax you don’t want to be bitten to death by mosquitoes and other flying pests. Posh Rosh stocks a solar power bug zapper that aims to kill the offending insects before they get to you. A full charge gives five hours of constant use.

Another device that makes use of the holiday sunshine is the solar powered sound system from RadioWorld. This is a docking station for ipod or iphone and has Stereo sound with full-range speaker drivers and bass boost.

If you want to be one step ahead of the game, keep your eye out for the stylish soul cell solar powered collapsible lantern designed by Jesper Jonsson. It’s not on the market yet but it’s sure to be a winner when it gets there. Based on the classic Chinese paper lantern it will look fabulous hanging from an awning.

And no self-confessed gadget freak can possibly go on holiday without a Swiss Army knife tucked into their pocket. SwissTool is a good place to start looking. There is a vast range from the mini penknife to the mega silver SwissChamp with 64 individual parts that apparently goes through an astonishing 450- step manufacturing process.



EU Directive Could Change How You Buy Insurance

Consumers in the UK could soon be forced to insure every motor vehicle they own, regardless of whether it is used on a public road or not, following a recent ruling by the European Court of Justice (ECJ).

The ‘Vnuk ruling’, which came out of the Vnuk v Zavarovalnica Trigla trial, has caused a splash both in the insurance industry and in UK politics in recent months by suggesting sweeping changes to current insurance regulations.

If enacted in full in the UK, the ruling means anything from mobility scooters to ride-on lawnmowers would need at least third party liability cover by law.

The trial centered on Mr Vnuk, a Slovenian man who made a claim for compensation when injured by a tractor at work on private land in August 2007. When a court denied his claim on the grounds that the tractor was not being used as transport at the time, the case was referred to the ECJ, which has since ruled to ensure that any victim of any motoring injury is fully compensated, no matter the type of vehicle or its use.

Though not yet enforced, the ruling could mean that insurance would be mandatory for any motor vehicle being used on private land. The ECJ has broadly classified any motor vehicle as a machine which travels on land powered by an engine, and ‘used’ as being any use consistent with its normal function – so farm work for tractors in Mr Vnuk’s case.

It might be hard to see through the courtroom jargon to understand what this all means, but the suggestion is simply that anything motorised should be insured, regardless of its use. Such a change could potentially bring a raft of new vehicles into the insurance market, including golf carts, mobility scooters, go-karts, ride-on lawnmowers, farming equipment, track cars and many more.


Mr Vnuk’s tractor injury sparked the landmark EU ruling


Are Changes To Your Insurance Likely?
At the moment it’s difficult to say with any certainty what effect such changes would have on the average British motorist. Even once the directive comes into force, it would still likely take an amendment to the Road Traffic Act 1988 here in the UK before any new laws could be made, according to experts, meaning any changes are many months, if not years, away.
Perhaps unsurprisingly, it’s British policymakers and politicians who are most vocal about the directive, with support and outrage split along typical party and policy lines. Some of the loudest dissent has come from anti-EU politicians, with spokespeople from both UKIP and Get Britain Out suggesting in the press that the legislation is another example of the EU needlessly meddling in British legal affairs, and that a change simply isn’t needed.

Those on the pro-legislation side are keen to point out, however, that no final decision has been made, and that there are months of consultation to come between government and insurance bodies before that ever happens, during which time the implications could change significantly.

Another key point from the pro-EU camp is that the ECJ has said member states would most likely be able to opt-out certain categories of vehicle from the changes – potentially meaning the ruling will make no difference at all to current regulations for many of us.



Even the slowest of vehicles can have accidents

How Does This Affect You?

While it’s hard to know for sure what the impact will be at this early stage, the best-case scenario for most of us, cost-wise at least, will be if all non-road going vehicles are exempted from the new rules, or if the costs are borne by another body.

It has been suggested, as reported in the DWF insurance blog, that the Motor Insurer’s Bureau (MIB), which currently compensates victims of uninsured vehicles in the UK with funds levied from insurers, could settle cases such as Mr Vnuk’s in the future.

Increasing the scope of the MIB could have a knock-on effect for customers’ premiums however, with experts from both the MIB and the Association of British Insurers warning that customers could end up bearing the brunt of the increased levy on insurers needed to pay out additional claims.

At the other end of the scale, costs for consumers could rise dramatically if changes are made to the law without any vehicles being exempted. While changes will be minimal for drivers who only own an already insured car used on the road, owners of other equipment face taking out individual policies for each ‘vehicle’ they own.

Although at present some home insurance policies include cover for equipment such as lawnmowers and mobility scooters, they often don’t or can’t provide the third-party liability insurance needed for use as a motor vehicle.

Companies not licensed to sell motor insurance would be forced to remove their cover for certain items that were recategorised as motor vehicles, something which might potentially pushing consumers to seek out motor policies for each vehicle they own.


Every vehicle, whatever its use, could need insurance


In addition to adding new insurance needs for some vehicles, the Vnuk ruling could bring about the end of SORNed vehicles in the UK, as well as having implications for British motorsport. Currently many track cars will be insured for use only on the track, if at all, but new rules could mean everything from track cars, banger racers and even F1 cars would need insuring before they can be driven anywhere – something that would inevitably come with a hefty price tag.


With a lot at stake for British motorists and the insurance industry at large, all eyes will be on the ECJ, MIB and the government to see what steps will be taken. We’ll be sure to track any developments through the months of political wrangling to come, and keep you informed of any changes when they happen.

Are your parents bad drivers? Here are a few ways to tell.

In the last few years, there’s been plenty of research suggesting teens subconsciously copy their parent’s bad driving habits. The easy explanation is that parents are essentially teaching their kids that it’s ok to be a bad driver. These habits range from texting whilst driving to speeding and can all have catastrophic consequences.

If you’re a learner driver (or recently passed your test) it could be worth keeping an eye out when in the car with your parents to see what they’re guilty of. Catch them at it and you can give them a lesson to make up for all the years of them telling you what to do.


Amongst the more dangerous bad habits is using your phone whilst driving. It’s been illegal since 2003 and yet tens of thousands of us still do it each year. There’s no reasonable excuse for breaking this one (although you are permitted to phone 999 in an emergency if it’s not safe to stop) and by copying your parents, you run a very high chance of earning yourself 3 points. If you’re a passenger and this happens to you, ask the driver if they want you to answer the phone or take a message. You don’t want them to be arrested or given 3 points.

Not indicating. This can range from annoying to downright dangerous and is an easy one to spot. When your parents turn, do they indicate? If they don’t, there’s an easy way to alert them to their mistake. Just casually ask; “do you always have to indicate, or is just if there are cars around?”


Driving too slowly. This is always annoying for somebody stuck behind you. Ok, you may not be in a rush but that doesn’t mean others aren’t trying to get somewhere. Being a learner won’t stop other drivers getting angry with you, but at least you have an excuse for holding up traffic. If your parents are guilty of this sin it may be worth mentioning that 143 accidents a year are caused directly by slow drivers and on-the-spot £100 fines can be issued. You could also suggest they pull over and let the parade of cars backed up behind past.

Remember, driving at 40 in a 60mph zone is a sure fire way to encourage another bad habit, overtaking in unsuitable areas or undertaking.

Driving without headlights. This is becoming a little more common as many cars have automatic light sensors that take away the need to remember to turn your lights on. If you switch between cars and one doesn’t have this feature, it may be worth not using it in your own car. In the dark, foggy conditions, or heavy rain, cars without headlights on are a real danger. If you’re a passenger in a car without lights and you think it’s not safe, tell the driver immediately.


It’s pretty terrifying having a dark car appear out of the mist or dark as though from nowhere, especially when driving at 60mph. But it’s actually illegal to use fog lights in clear conditions and the police may pull you over if they catch you.

Hopefully any learners out there can spot these habits and help your parents become better drivers whilst not picking up any bad habits yourself.

For more information on insurance for leaner drivers, visit https://www.adrianflux.co.uk/extras/learner-driver/ or call 0800 369 8590.

If you’re worried about your parents driving habits, talk to them about it. Just do it politely. Get it wrong and you may have a long walk home.