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What Van? Awards 2024: Van Insurer of the Year – Adrian Flux
Date: Friday, December 22, 2023
Adrian Flux’s unrivalled provision of packages tailored to meet the myriad needs of light commercial vehicle customers has once more propelled the broker to top spot in the Van Insurer awards category.
The company understands frequent multi-drop deliveries are a higher risk than longer-distance single delivery drops. Yet it appreciates it is difficult to distinguish between the two in a guide-rated scheme. Its own schemes, therefore, offer different ratings depending on the vehicle’s daily use radius to help overcome this issue.
Through specialising in a variety of van insurance types, Adrian Flux is ideally placed to ensure its van insurance customers receive the best protection while minimising costs. As brokers, Adrian Flux works with insurers to create tailored commercial vehicle and van schemes for every situation: from Transit vans to pick ups, tippers to double-cabs. Whatever van the customer drives, the firm will tailor a policy to meet their specific needs.
For example, there is the option to cover tools in transit, while goods in transit can provide additional cover to high-value loads.
Adrian Flux promises to arrange cover even if a customer has struggled getting competitive quotes in the past, has driving convictions, carries hazardous materials or drives a modified van.
One one hand, the firm offers schemes that cater for the regular run of the mill white van owners, using the vans for building and allied trade occupations. On the other, it provides black box offerings that help younger drivers get competitive van insurance.
It offers specialist schemes for single van couriers, clients in the catering industry and has schemes tailored for minibuses.
Adrian Flux offers cover to customers with previous convictions or those working in high-risk occupations. It also caters for customers driving horse boxes or other non-standard vehicles, such as mobile libraries, mobile stages or play buses.
Flexibility is key. Adrian Flux offers discounts to low-mileage customers and also those fitting additional security equipment to their vans, such as dashcams. Discounts are also available for clients holding public liability insurance, customers with sign-written vans or those who have had their LCVs fitted with storage systems.
A sample of key policy features include free legal cover, cover for vehicle modifications, cover for learner drivers, personal accident and road rage policies. UK and European breakdown services are available, there is access to a 24-hour claims line and a nationwide network of workshops is guaranteed for repairs for five years.
In the event of a non-fault claim, a like-for-like replacement van is offered, subject to availability. In the case of a fault claim or write-off, replacement vehicle cover can be provided.
Short term policies can run from one day to six months. So whether a customer is using a friend’s van to move house over the weekend, needs to borrow one for work for a short period of time or need interim insurance while replacing a regular work vehicle, temporary van insurance is available.
For drivers aged 21 and over, cover is available at both comprehensive and third party fire and theft levels to enable clients to be insured on their own specific terms.
Added extras, such as tools-in-transit cover, are crucial for LCV operators who can rest assured that if their tools are lost or damaged they can afford to replace them and get back to work as soon as possible.
Highly Commended: Zego
In 2023, Zego launched its cutting-edge Fleet Portal and Risk Management Solution, combining van insurance with risk management. Van operators face a myriad of challenges – frequent stop deliveries, punishing wear and tear, high mileage and the responsibility of carrying high-value goods. Zego’s innovative Fleet Portal claims to provide the answer. It’s not just a platform but is modelled as a dynamic tool that empowers businesses. Fleet managers can seamlessly add or remove vehicles, monitor policies, track high risk drivers and monitor claims. The portal aims to simplify complexity, enabling businesses to focus on their core operations while Zego handles the intricacies of insurance management. Zego’s risk management solution is powered by an ecosystem of telematics data, it offers real-time assessments of driver behaviour and vehicle performance. It is not just about preventing accidents but about promoting a culture of safety.
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