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Adrian Flux's founder set up the company in 1973 after failing to find an insurer willing to cover his first car, a Spartan kit car, and deciding to start his own brokerage instead. More than 50 years on it has grown into the UK's largest independent insurance broker, employing over 2,000 staff from East Winch Hall, a 19th-century manor house near King's Lynn that has been its head office since 2000. It built its name insuring vehicles other insurers turned away, kit cars, modified cars and classics, and still specialises in cover most mainstream insurers won't touch.

We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). Adrian Flux is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by Adrian Flux, alongside every other insurer on its panel. That means a quote from Adrian Flux isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch doesn't have a direct commercial relationship with Adrian Flux. We receive a commission if you purchase a policy. We do not provide advice or make recommendations.

Adrian Flux sells car insurance on a comprehensive or third party, fire and theft basis, built around the vehicle rather than a fixed ladder of named tiers.

Comprehensive cover

includes:

• Damage to your own car, plus injury or damage claims from other people
• Access to an agreed value policy, arranged exclusively through Qudos Insurance, so a modified or classic car is covered for what it's actually worth rather than a standard trade valuation
• Like-for-like cover for genuine modifications, rather than treating them as an afterthought
• Specialist underwriting arranged across a range of insurers depending on what's being covered, from kit cars to 4x4s to Japanese imports

• Agreed Value cover, arranged through Qudos Insurance, insures a modified or classic car for an agreed sum rather than its trade value
• Excess Protect, refunds your policy excess up to an annual limit if you need to claim
• Keycare, covers lost, stolen or damaged keys, arranged through Trinity Lane Insurance
• Legal Expenses cover, arranged through Ageas, for legal costs following a non-fault accident
• Breakdown and Roadside Assistance, through Trinity Lane Insurance, bought alongside your policy or on its own
• Replacement Car Cover, a courtesy car while yours is off the road, arranged through Great Lakes Insurance
• Tools and Goods in Transit cover, arranged through Canopius, for tradespeople carrying tools or goods
• Licence Defence, arranged through AM Trust Europe, covers legal representation if your driving licence is at risk

Adrian Flux suits owners of vehicles a standard insurer won't easily cover, modified cars, kit cars, classics and imports that need an agreed value rather than a generic trade valuation. Its optional extras are arranged through a spread of specialist underwriters rather than bundled by Adrian Flux itself, so it rewards people willing to build their own cover rather than pick a single all-in-one package. Anyone with a completely standard car and no interest in agreed value or modification cover will likely find a simpler, cheaper policy with a mainstream insurer instead.