Collingwood Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Collingwood car insurance.

You might already know that Collingwood 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 Collingwood 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 Collingwood car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Collingwood

Our ratingOur opinion
Customer service & satisfaction

High customer satisfaction rates on Trust Pilot
Effortless access to a quote online
Excellent customer service during application and registration process
Live chat feature available

Cover provided

Collingwood offers several types of insurance covers: Learner Driver Insurance, Young Driver Insurance, Over 50s Insurance, Van Insurance, etc all available in the 3 main levels of cover (Comprehensive, Third Party Only, Fire, Theft and Third Party)
They also have a wide range of options for additional covers
Do not offer European travel cover as standard

Value for money

Affordable premiums
High cancellation fee
High renewal fee

Financial strength for pay out

Collingwood is a specialist insurance broker that has been in the market since 2003 targeting high risk drivers such as learners, young drivers, drivers over 50’s as well as taxis. Their vast experience in the field is proof enough that the company has the ability to pay out claims.

Technology

Use of telematics system available for young drivers
User friendly website
You can easily generate a quote online
High quality online portal for existing customers

Safe rating for Collingwood

Expert and customer reviews on Collingwood

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Collingwood's reputation.

Review organisationConsumer satisfaction rates for Collingwood
Defaqto expert rating for Collingwood defaqto 2 stars 1
TrustPilot4,5/5 based on more than 1200 opinions
Consumer satisfaction rates on reviews for Collingwood

To check if Collingwood 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.

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Our review on Collingwood car insurance policy

Collingwood Insurance is a specialist insurance company focusing on specific groups such as learner drivers, drivers over the age of 50, convicted drivers, young drivers while also offering cover for vans and taxis.

This insurance company is suitable for all of the groups mentioned above and offer reasonably priced premiums. You can also immediately connect to their customer service agents through their live chat feature which is a rare contact perk offered by insurance companies.

There are no detailed policy documents available on their website so be sure to request for them and go through them to ensure that they offer exactly what you need before you sign up with them.

What does Collingwood car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Collingwood?

Car insurance policyAvailable at CollingwoodCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Collingwood

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Collingwood explained in details

Let's find out what does Collingwood covers in its car insurance policy.

Breakdown cover at Collingwood

Collingwood’s Breakdown Cover is offered through AA Breakdown (A company that offers breakdown services). The offer 2 levels of breakdown covers: Roadside Assistance & Roadside Assistance and Relay.

Keycare cover at Collingwood

Up to £1500 for replacement of locks or keys in case of loss or theft of keys during a period of 12 months and upto £500 per claim.

Windscreen cover at Collingwood

  • Windscreen cover is offered as standard in the Comprehensive Policy.
  • It can also be added as an optional extra cover if you do not want the comprehensive level.
  • It covers the repair or replacement of the front windscreen only.
  • The amount of cover is unlimited provided you pay the excess fee mentioned in your Schedule.
  • Should you decide to opt for an alternative windscreen repairer that is not approved by Collingwood, they will only cover expenses not above £225.

Motor legal protection at Collingwood

Details about Motor Legal Protection at Collingwood not stated.

Personal policy injury available at Collingwood

Details about Personal Policy Injury at Collingwood not stated.

Coverage abroad at Collingwood

Collingwood offers cover for traveling abroad as an extention. You’re required to contact them and inform them of your travel plans. You’ll need to pay an extra fee for it.

Bonus accelerator at Collingwood

Bonus accelerator is available for the Annual Learner Insurance Cover where the policyholder gets to build a year’s NCB within 10 months provided they don’t end up with any claims during the 10 months of use.

No-Claim Bonus (NCB) at Collingwood

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. Your NCB can get as high as 65% of your original premium price.

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 Collingwood manages to recover the cost from the responsible party.

Claims on the following will not affect your NCB:

  • Emergency treatment fees on road side in case of injury during an accident.

At Collingwood, 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.

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. 

Collingwood car insurance terms and conditions

How much does Collingwood car insurance cost?

You'll find below indicative car insurance quotes at Collingwood:

Drivers'ageMonthly premium
18 years old£110,27
40 years old £45,47
60 years old£33,53
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Collingwood 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.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Collingwood?

Aside from NCD which is available under all types of covers, young drivers who have a black box installed in their car are entitled to discounted premiums based on their driving skills.

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!

Collingwood car insurance policy summarized

Guarantees

At Collingwood
NCB benefitYes
Uninsured driver NCB benefitNo
Loss or theft of keysExcess- £50
Limit-£1500 as a standard
Personal belongingsNot Stated
Audio equipment

Excess- Not stated
Limit- £500

Medical expenses

Excess- Not stated
Limit- Not stated

Liability limit for property damage £20,000,000
Legal expenseNot Stated
Courtesy car benefit

As standard

Courtesy car cover

Duration of number of days it takes for your vehicle to be repaired. If you incurred a total loss of your vehicle, you will not be elligible for a courtesy car.

Coverage abroad

45 days

Guarantees at Collingwood

Excess

At Collingwood
Fire excessExcess- Not stated
Limit- upto £250 for sign-writing, advertisements, logos or specialist paintwork
Theft excessExcess- Not stated
Limit- upto £250 for sign-writing, advertisements, logos or specialist paintwork
Accidental damage excessNot stated
Windscreen replacement excessNot Stated
Young driver excess

£250 - £350

Excess at Collingwood

Admin fees

At Collingwood
Interest charged by payment installments

Not Stated

Renewal fees

£68.50

Cancellation fees

Cancellation fee is £30

Modification fees

Mid-Term Adjustment fee: £25

Admin fees at Collingwood

Other car insurance policies available at Collingwood

Collingwood black-box insurance

Collingwood offers black box insurance where a black box is included in the Young Driver Insurance Policy that target drivers under the age of 25.

The black box is a device that uses telematics to track speed, acceleration, braking and cornering and creates an analyzed report that reflects your driving skills and score.

Your premium price is tailored according to your driving score. The better your score, the lower the premium you’ll be charged.

Collingwood learner driver car insurance

Collingwood offers 2 types of Learner Insurance Covers:

  • Short Term Cover: this policy is available for 7 to 28 days. You can use it to cover you while you learn how to drive using your own car or someone else’s car without it posing any threat to the owner’s NCD. Short Term Policies become invalid and should be cancelled as soon as you pass the practical driving test.
  • Annual Cover: this policy covers you for 12 months while you learn to drive. Just like the Short Term Cover, the car’s insurance NCD is not compromised and will become invalid as soon as you pass the practical driving test. Upon cancellation, you’ll be given a pro-rata refund on the remaining policy. You can also pay monthly or in full and you will not be charged any cancellation fee.

Collingwood business car insurance

If your Certificate of Motor Insurance includes business use, Collingwood will cover your employer if an accident happens while using the car for business in the event that there is no presence of any specific insurance.

Collingwood van insurance

Collingwood offers 2 types of Van Insurance Covers:

Carriage of Own Goods: this covers the van, the driver and the contents carried in the van in case of an accident.

Social Only this covers the van that is used for non commerical activities and hobbies only.

The following benefits come as standard when you take out a van insurance:

  • Monthly or annual payment options
  • Approved Repair Network
  • Courtesy car
  • Windscreen cover
  • Third Party property damage upto £10 million
  • Instant online documents

Optional covers available:

  • Tools cover
  • Breakdown cover

How to contact Collingwood auto insurance?

Collingwood phone numbers 

You will find all important phone numbers to contact Collingwood car insurance:

Contact numberOpening hours

Learners Insurance

0345 470 0014

Monday to Friday: 9am-7pm
Saturday: 9am-1pm
Sunday: Closed

Young Driver Insurance

0345 470 2550

Monday to Friday: 9am-7pm
Saturday: 9am-1pm
Sunday: Closed

Collingwood Plus

0345 470 0010

Monday to Friday: 9am-7pm
Saturday: 9am-1pm
Sunday: Closed

Car Insurance

0345 646 0107

Monday to Friday: 9am-7pm
Saturday: 9am-1pm
Sunday: Closed

Over 50’s Insurance

0345 646 5050

Monday to Friday: 9am-7pm
Saturday: 9am-1pm
Sunday: Closed

Claims

0345 370 0008

Available 24/7

Contact numbers at Collingwood

Collingwood other contact details

You'll find below Collingwood main contact details:

Contact details of Collingwood
Email address

[email protected]

Customer account with Collingwood login

My Account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Collingwood

You can also contact them by mail by writing to Collingwood car insurance:

Collingwood House, Earl Grey Way,
North Shields,
Tyne and Wear,
NE29 6AR

How to cancel your car insurance at Collingwood?

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, Collingwood as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Collingwood 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.

Collingwood 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’.