Lancaster insurance Car Insurance Review
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This is the ultimate review to guide you through Lancaster insurance car insurance.
You might already know that Lancaster insurance offers several car insurance policy options.
Some are great, others not so much.
So if you want to get:
- Better value for money for your car insurance
- Indicative quotes
- Tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Is Lancaster insurance the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
We’ve studied in detail Lancaster insurance car policy terms and conditions and given our own ratings based on different criteria.
4 Safe overall rating for Lancaster insurance
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Effortless process to purchase insurance policy online | |
| Cover provided |
Specialist Insurer for Classic Cars and Vans | |
| Value for money |
Cheap premium price | |
| Financial strength for pay out |
Lancaster Insurance is a trading name of The Insurance Factory, an insurance company that is authorised and regulated by the Financial Conduct Authority. | |
| Technology |
User friendly website and well organized |
Expert and customer reviews on Lancaster insurance
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Lancaster insurance's reputation.
| Review organisation | Consumer satisfaction rates for Lancaster insurance |
|---|---|
| TrustPilot | 4,6/5 based on more than 5300 opinions |
To check if Lancaster insurance is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.
Our review on Lancaster insurance car insurance policy
Lancaster Insurance is a trading name of The Insurance Factory and is underwritten by leading UK insurance companies such as Ageas, Aviva, Highway, KGM, Kinetic/Allianz SE, LV, Midas, Axa, Broker Direct, Covea, ERS, Geo Underwriting, MISL (Markerstudy Insurance Services), Sabre, Tansar, Victor Millwell, XS Direct and Zurich Insurance Group.
It is a specialist insurance company focused on providing Classic Car Insurance, Classic Van Insurance and Classic Multi Car Insurance.
The company is very active in the Classic Car industry and engages with their customers by hosting Classic Car shows and competitions while also offering generous discounts on premiums.
We recommend this insurance company Classic Car enthusiasts who are not only looking for favourable insurance covers but also a community to celebrate their shared interest in Classic Cars with.
What does Lancaster insurance car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Lancaster insurance?
| Car insurance policy | Available at Lancaster insurance | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at Lancaster insurance explained in details
Let's find out what does Lancaster insurance covers in its car insurance policy.
Breakdown cover at Lancaster insurance
Lancaster Insurance offers 2 levels of Breakdown Cover:
Lancaster Assistance: this covers you while driving in the UK and it includes the following benefits:
- Roadside assistance in the event of breakdown
- Transport of the vehicle, driver and up to 6 passengers to a destination of your choice or to your home address
- Misfuelling cover is included as standard.
Lancaster Assistance Plus: this covers you while driving in the UK and EU. In addition to the benefits that come with Lancaster Assistance, you can expect the following benefits: - Cover while traveling in the EU
- Car hire up to £70 per day (up to £750 in total)
- Cover for onward travel
- Return of vehicle back to the UK if it cannot be fixed for whatever reason.
Keycare cover at Lancaster insurance
KeyCare Cover is available but there isn’t much information available on the website.
Windscreen cover at Lancaster insurance
Windscreen Cover is available but they did not disclose any further information.
Motor legal protection at Lancaster insurance
Legal Expense Cover is available but they did not disclose any further information.
Personal policy injury available at Lancaster insurance
Personal Injury Cover is available but they did not disclose any further information.
Coverage abroad at Lancaster insurance
Up to 90 days EU cover included as standard.
Courtesy car at Lancaster insurance
Hire Vehicle option is available but they did not disclose any further information.
No-Claim Bonus (NCB) at Lancaster insurance
Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. You can also opt for an NCB protection cover at an additional charge. Your NCB can get as high as 70%.
If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that Lancaster Insurance is able to recover all costs from the responsible party.
At Lancaster insurance, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.
Not Stated
Good to know
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
Lancaster insurance car insurance terms and conditions
How much does Lancaster insurance car insurance cost?
You'll find below indicative car insurance quotes at Lancaster insurance:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £100,10 |
| 40 years old | £41,28 |
| 60 years old | £30,44 |
Costs of Lancaster insurance insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at Lancaster insurance?
In addition to No Claims Discount, there are other discounts available too.
| Discount types | Comment |
|---|---|
| Discounts | - Up to 25% discount for Car Club Members. You can also get low milleage discounts. - £15 off your quoted premium. |
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!
Lancaster insurance car insurance policy summarized
Guarantees
| At Lancaster insurance | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | no |
| Loss or theft of keys | Excess- Not stated
Limit- Not stated |
| Personal belongings | £200 |
| Audio equipment | Excess- Not stated |
| Medical expenses | £250 |
| Liability limit for property damage | £20,000,000 |
| Legal expense | Not stated |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repair of your car. |
| Coverage abroad | 90 days |
Excess
| At Lancaster insurance | |
|---|---|
| Fire excess | Excess- Not stated Limit- £250 for child's car seat |
| Theft excess | Excess- Not stated Limit- £250 for child's car seat |
| Accidental damage excess | Not stated |
| Windscreen replacement excess | Excess- Not stated Limit- Not stated, limit of £150 if you choose to get your windscreen repaired at an unapproved repairer. |
| Young driver excess | Not Stated |
Admin fees
| At Lancaster insurance | |
|---|---|
| Interest charged by payment installments | Not stated |
| Renewal fees | £49.50 |
| Cancellation fees | Cancellation fee before installation of black box: £20 |
| Modification fees | Mid-Term Adjustment fee: £30 |
Other car insurance policies available at Lancaster insurance
Lancaster insurance multi-car insurance
Lancaster offers Multi Car cover for more than one classic car provided that they are registered at the same home address.
Lancaster insurance classic car insurance
Lancaster Insurance is a specialist insurance company that is focused on providing classic car insurance to their customers.
They are one of the leading classic car insurers in the UK and has a close relationship with their classic car enthusiast customers by hosting Classic Car Shows and competitions.
They provide Classic Car, Classic Van and Multi Classic Car Insurance covers across Comprehensive and FT&TP levels of cover.
Lancaster insurance business car insurance
Available but details not stated.
Lancaster insurance van insurance
Lancaster Insurance offers Classic Van Insurance. Some of the benefits Classic Van drivers can enjoy are low milleage discounts, unlimited milleage schemes and agreed valuation of up to 3 years.
The following are some optional extras one can opt for:
- Breakdown Cover
- Laid Up Cover
- Salvage Retention
- Legal Expense Cover
- Key Cover
- Personal Accident
- Protected NCD
- Own Goods Insurance.
How to contact Lancaster insurance auto insurance?
Lancaster insurance phone numbers
You will find all important phone numbers to contact Lancaster insurance car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 01480 484806 | Monday to Friday: 8:30am-6pm |
Claims | 01480 484802 | Available 24/7 |
Quotes | 01480 484826 | Monday to Friday: 8:30am-7:30pm |
SilverKnight Breakdown | 01904 231194 (UK) | Not Stated |
Lancaster insurance other contact details
You'll find below Lancaster insurance main contact details:
| Contact details of Lancaster insurance | |
|---|---|
| Email address | |
| Customer account with Lancaster insurance login | no |
| Social media | Facebook, Twitter |
| Chatbot | No |
You can also contact them by mail by writing to Lancaster insurance car insurance:
Lancaster Insurance Services
Lancaster House
Meadow Lane
St Ives, Cambs
PE27 4ZB UK
How to cancel your car insurance at Lancaster insurance?
You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.
Since car insurance is a legal requirement, Lancaster insurance as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Lancaster insurance has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.
You would need to have various documents ready such as:
- your policy number (right hand corner of your documents);
- your bank details; and
- your payment method in case there are cancellation fees.
Watch out!
Lancaster insurance could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.
