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Flux Direct car insurance

Find out how Flux Direct car insurance can help learner drivers source cheaper cover

How good is Flux Direct car insurance?

Defaqto rating: n/a

Flux Direct has not been reviewed by the independent financial products reviewer Defaqto.

Trustpilot rating: 3.2/5 stars

Flux Direct was awarded a TrustPilot rating of 3.2 out of five based on 968 verified reviews.

About Flux Direct insurance

Flux Direct is the online trading arm of Adrian Flux insurance and is run under a licence by Hertfordshire Insurance Consultants (HIC). Adrian Flux Insurance is an insurance broker and has been trading for over 40 years.

About Flux Direct

  • uses 30 insurance companies

  • to search over 200 different insurance schemes 

Flux Direct also offers up to 15% discounts to members of some UK-based car owner clubs.

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Is Flux Direct an insurance company?

Flux Direct is an insurance broker, this means it compares car insurance quotes from a panel of insurance companies to find the best deal.

What's the difference between an insurance company and an intermediary?

Flux Direct works with car insurance providers rather than providing its own insurance.  

It still has to be regulated by the Financial Conduct Authority in order to sell insurance.

Flux Direct works with several insurance providers to compare car insurance quotes.

  • Flux Direct doesn’t make recommendations or give advice

  • it receives commission paid by the insurer and a fee paid by you

  • the total price you pay is made up of the insurer's premium plus its fee

  • as with all insurance you also pay Insurance Premium Tax (IPT) 

Flux Direct car insurance

Flux Direct car insurance offers the following types of cover:

  • Fully comprehensive

  • Third party, fire and theft

  • Third party


Yes. Flux Direct’s telematics insurance, SmartBox, uses an app FluxScore which claims to be the only app to give drivers daily updates on their driving behaviour. 

  • Smart Box is aimed at young drivers, but it is available to all customers

  • Safer driving is rewarded with lower renewal premiums.

Flux Direct doesn’t offer a single multi-car insurance policy but it does give discounts on other cars insured by a policyholder.

Taking out a multi-car insurance policy can help reduce your insurance costs: 

  • if you own more than one car

  • if you’re a family with more than one driver

  • if you’re a couple with more than one vehicle 

Flux Direct does offer temporary car insurance. This insurance is intended for people who want to borrow from a colleague, friend or family member's car. The insurance must be bought by the person borrowing the car and you’ll need the owner's permission to do so.

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Flux Direct standard car insurance cover

Flux Direct includes, as standard, its Motor Plus Legal Expenses cover. This legal cover is included with all Flux Direct’s car insurance policies.

If an accident is not your fault Flux Direct will take on your claim and give you access to a 24-hour helpline. The cover also includes: 

  • compensation for both the driver passengers suffering loss or injury

  • a courtesy car similar to your own

Flux Direct comprehensive cover also includes: 

  • injuries to other people, including passengers

  • damage to other people's property

  • accidents caused by passengers

  • accidents caused by the use of a caravan or trailer 

  • fire damage and/or theft 

  • accidental damage 

  • personal accident benefit 

  • medical expenses

  • loss of or damage to personal belongings in the insured cars

Flux Direct also includes an extension allowing you to use your vehicle whilst taking part in a marshalled track day. So long as it is a non-competitive event.

Flux Direct additional car insurance cover options

The cover listed below can be added for an additional premium.

Flux Direct’s learner driver car insurance cover can be taken out on a month-by-month basis, so learners only pay for the cover they need before passing their test.

  • Learners can drive any kind of car up to insurance group 27 with fully comprehensive cover.

  • Any claims are settled on the learner's policy, so the vehicle owner's no claims bonus is not affected

  • The learner driver is insured separately by a third party

  • Policy holders must be aged 17-25, have a UK provisional licence and permission from the car's owner to drive the vehicle

  • The accompanying driver must be over 25, with a valid full UK driving licence which they have held for at least three years. 

  • The accompanying driver does not need to be the car owner

Flux Rescue cover offers three levels of breakdown cover.  Flux Rescue includes cover for the insured vehicle on either its Home Call Service, Roadside Assistance or UK and European Roadside Assistance and Recovery. 

FluxRescue covers up to £3,500 worth of Roadside assistance, including 60 days cover in most EU countries. 

This cover allows drivers to top up the amount of cover they would get should their car be written off in an accident. 

This cover includes:

  • extra funds to help you buy a suitable replacement in keeping with the car you have lost.

  • pays out up by 25 per cent up to a maximum of £10,000.

  • can be used to cover a modified or classic car

  • premium is based on your vehicle's car insurance policy premium

Keycare cover is a standalone cover that provides cover towards the cost of replacement keys and locks.

What does Keycare include?

  • all the keys attached to your fob will be fully covered should you ever lose them.

  • all your keys will be replaced, 

  • locksmith's fees covered up to a total of £1,500

  • if you are stranded, it will cover the cost of transport home

  • covers the cost of reprogramming immobilisers and alarms

  • claiming has no effect on your no claims discount

What is Flux Direct car insurance best for?

  • learner driver cover

  • extra legal cover as standard

  • if you take your car to track days

  • if you have a customised or vintage car

Find out if Flux Direct car insurance is best for your motoring needs

Flux Direct in the news

Family favourites face extinction

Some of nation's favourite cars face extinction by 2030, according Flux Direct’s parent company Adrian Flux.

Adrian Flux, which specialises in insuring classic cars, requested original data from the Department for Transport to find out which cars will no longer be on the UK’s roads in 10 years' time.

The top four included the Ford Mondeo, Ford Ka, Renault Megane and Peugeot 206.

Matt Allen, product head at Adrian Flux, said: 'With the future of the car looking electric, the prospect of extinction looms large for many older vehicles.'

Allen did note some cars, such as the Mercedes-Benz E 320 were not considered to be classic when they were first wheeled off the production line. 'So perhaps we will still be creating bespoke policies for these vehicles, some converted to electric, for many years to come.'

  • Ford Mondeo. Estimated extinction date: spring 2029

  • Ford Ka. Estimated extinction date: spring 2027

  • Renault Megane. Estimated extinction date: spring 2026

  • Peugeot 206. Estimated extinction date: spring 2022

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