Lancaster insurance Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur opinion
Customer service & satisfaction

Effortless process to purchase insurance policy online
High customer satisfaction rate on Trust Pilot
24 hour Claims Helpline
No live chat feature available
Lack of policy documents on website

Cover provided

Specialist Insurer for Classic Cars and Vans
EU cover for up to 90 days provided as standard
Offer their classic insurance policy across all the 3 main levels of cover: Comprehensive, TF&TP and Third Party Only
No black box insurance offered

Value for money

Cheap premium price
No-Claim Discount available
Several other discounts available such for Club Members and Low Milleage Vehicles
High cancellation fees of £20 – £50
High renewal fee of £49.50

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.
Lancaster works with a panel of leading top insurance companies in the UK 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.

Technology

User friendly website and well organized
100% online quote generation process
No black box insurance

Safe rating for Lancaster insurance

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 organisationConsumer satisfaction rates for Lancaster insurance
TrustPilot4,6/5 based on more than 5300 opinions
Consumer satisfaction rates on reviews for Lancaster insurance

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.

Finally, compare best car insurance in less than 20 secs without giving your email.
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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 policyAvailable at Lancaster insuranceCoverage 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 Lancaster insurance

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

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'ageMonthly premium
18 years old£100,10
40 years old £41,28
60 years old£30,44
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

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 typesComment
Discounts- Up to 25% discount for Car Club Members. You can also get low milleage discounts.
- £15 off your quoted premium.
Discounts and cashbacks available at Lancaster insurance

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 benefitYes
Uninsured driver NCB benefitno
Loss or theft of keysExcess- Not stated
Limit- Not stated
Personal belongings£200
Audio equipment

Excess- Not stated
Limit - Unlimited if fitted in car by manufacture, limit of £750 for comprehensive and £250 for FT&TP if it is not a fitted equipment.

Medical expenses

£250

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

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Lancaster insurance

Excess

At Lancaster insurance
Fire excessExcess- Not stated
Limit- £250 for child's car seat
Theft excessExcess- Not stated
Limit- £250 for child's car seat
Accidental damage excessNot stated
Windscreen replacement excessExcess- 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

Excess at Lancaster insurance

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
Cancellation fee after installation of black box: £50

Modification fees

Mid-Term Adjustment fee: £30

Admin fees at Lancaster insurance

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 numberOpening hours

Customer Service

01480 484806

Monday to Friday: 8:30am-6pm
Saturday: 8:30am-4pm
Sunday: Closed

Claims

01480 484802

Available 24/7

Quotes

01480 484826

Monday to Friday: 8:30am-7:30pm
Saturday: 8:30am-4pm
Sunday: Closed

SilverKnight Breakdown

01904 231194 (UK)
44 1904 231194 (EU)

Not Stated

Contact numbers at Lancaster insurance

Lancaster insurance other contact details

You'll find below Lancaster insurance main contact details:

Contact details of Lancaster insurance
Email address

[email protected]

Customer account with Lancaster insurance login

no

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Lancaster insurance

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.

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’.