Cutting the cost of insurance

Adrian Flux Insurance Services offers tips on how to get the best insurance deal around.

[UKPRwire, Fri Oct 30 2009] Insuring a high performance car can be seriously expensive, so finding ways to cut the cost can save a bundle. Adrian Flux Insurance Services has over 30 years experience in insuring fast cars. Here the company offers tips on how to make sure you've got the best insurance deal.

Join a club.
Flux's statistics show that members of an owners' club are better risks - and not only in motoring. So, as well as anything up to 15% discount on car insurance, Flux can also offer most car club members up to 10% off insurance for house and contents, other cars, caravans, motorhomes, motorbikes and even quad bikes and trikes.

Take an advanced driving test
One of the simplest ways of getting a great discount is by being an advanced driver. For example, Flux will normally give at least 25% discount on insurance for drivers who take (and pass) the national Ride Drive advanced driving course.

A Ride Drive course costs from around £200, but in many cases (especially for younger drivers) the course can pay for itself immediately, simply in the first year's saving on insurance premium. And it's a great investment in the future, because the discount applies for as many years as the driver stays claim-free. (See www.adrianflux.co.uk/ridedrive for more information).

Limited mileage
Save more by taking out a limited mileage insurance scheme. Unlike earlier limited-mileage schemes from years ago, Flux can now offer a discount for as many as 10,000 miles a year. However, the lower the mileage, the greater the discount. Beware though: drivers who go over their agreed mileage must inform their insurer or the policy may be invalidated.

Modifications
Often drivers are worried about mentioning modifications to their insurer because they think this will raise the premium. The surprising thing is that in many cases the premium won't be affected, or will only increase by a small amount, if the insurance is with a specialist like Flux.

But it's essential to keep the broker informed, otherwise the insurance may be invalidated.

Other savings
Multi-vehicle policies, for drivers with three or more cars, can save a lot.

Some insurance specialists, including Flux, offer legal cover for free. In fact, Flux even offers free legal cover to drivers who don't insure their cars with them. Visit www.adrianflux.co.uk/freelegalcover for more information.
European touring cover should be available for little or no extra cost, and that can be for more than just short Channel hops - sometimes as much as 90 days.

By opting for breakdown insurance as an add-on (including all the 'extras' like homestart and relay) you can pay much less than the national breakdown organisations charge.

Adrian Flux aims to offer cheaper car insurance and has a huge range of policies for the motoring enthusiast. For details contact the Adrian Flux quote line on 0800 505 3000, email the company at quotes@adrianflux.co.uk or see the Flux homepage on www.adrianflux.co.uk