The Insurance Factory Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through The Insurance Factory car insurance.

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

4 Safe overall rating for The Insurance Factory

Our ratingOur opinion
Customer service & satisfaction

[v[ High customer satisfaction rate on Trust Pilot and Reviews
Polite and friendly customer service personnel
Easily accessible quotes online
Fast and smooth application process
No live chat feature available
Limited information about their insurance policies on their website

Cover provided

Covers for convicted drivers available
Wide range of covers as well as optional extra covers available
Liability to other people and property included as standard across all levels of cover (Comprehensive, Third Party Only, Fire, Theft and Third Party)
Different covers available under a panel of leading insurers in the country

Value for money

Affordable premium rates
Discounts for club members under certain covers such as Campervan Insurance and Motorhome insurance
High cancellation fee

Financial strength for pay out

The Insurance Factory offers a variety of covers that are provided through a panel of leading insurers in the UK thus proving its high capability to pay out claims.

Technology

User friendly website
Application process can be done online
Good online portal for existing customers
No Chatbot available
Don’t offer black box insurance

Safe rating for The Insurance Factory

Expert and customer reviews on The Insurance Factory

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

Review organisationConsumer satisfaction rates for The Insurance Factory
TrustPilot4,5/5 based on more than 650 opinions
Consumer satisfaction rates on reviews for The Insurance Factory

To check if The Insurance Factory 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 The Insurance Factory car insurance policy

The Insurance Factory is suitable for anyone who is looking to pick and choose different covers from differenct insurance companies while dealing with one company.

The wide range of covers available may be advantageous to people who have several vehicles that are different and have different needs for each. It’s basically a one stop shop for all your insurance needs. However, we would not recommend this insurance companies for learners and young drivers because there are better insurance companies in the market that cater to this group.

This insurance company is also suitable for people who have had several claims on their vehicle as well as convictions which makes it harder for them to get cheaper quotes from other insurance companies.

What does The Insurance Factory car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at The Insurance Factory?

Car insurance policyAvailable at The Insurance FactoryCoverage 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 The Insurance Factory

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

Main guarantees at The Insurance Factory explained in details

Let's find out what does The Insurance Factory covers in its car insurance policy.

Breakdown cover at The Insurance Factory

The Insurance Factory Breakdown Cover is offered by IC Insurance Choice.
IC Insurance Choice offers 6 types of Breakdown Covers across 6 membership levels (Copper, Bronze, Silver or Courier, Gold, MotorHome, and MiniBus/Taxi).

The following are the 6 types of Breakdown Covers as well as the membership levels they cover:

Roadside Assistance: Available for Copper Level only and is subject to £40 excess on every claim. This covers roadside assistance of upto an hour as long as the breakdown site is more than a mile from your home address. If they can’t fix your car, they’ll transport it for you to a garage of your choice where you’ll pay for it to be fixed.

Roadside Assistance and Recovery Service: Available for all levels except Copper. This covers roadside assistance for upto one hour provided the breakdown site is more than a mile from your home. If they aren’t able to repair your car at the roadside, they’ll transport it for you to a repair garage where you’ll cover the cost of the repair service. If the repair garage is unable to fix your car on the same day, you’ll be entitled to transport of your vehicle and passengers to your home (within UK only), bed&breakfast accommodation limited to £40 per person or a total of £160 per group, or hire of another vehicle for a period of 24 hours provided the hired vehicle is of 1100cc.

Home Service: Available for all levels except Copper and Bronze. This covers breakdown assistance if your vehicle is within one mile from your home for upto an hour. If the repair could not be completed within one hour, your vehicle will be transported to a repair garage where you will pay for its repairs.

Key Service: Available for Gold, MotorHome and MiniBus/Taxi levels only. This covers the cost of a replacement key and upto a £40 call-out charge in case you cannot drive your vehicle due to theft or loss of your keys.

Misfueling: Available for all levels except Copper. Copper will have to pay an additional premium as well as an excess of £40 if they want misfueling service. This covers the cost of draining, flushing, and filling your tank upto 10 litres of the correct fuel. The maximum amount reimbursed per policy period is £250.

European Assistance: Available for Gold, Motor-Home, MiniBus/Taxi Only. Covers roadside assistance whether in UK or other European Country. If they aren’t able to repair your car at the roadside within one hour, they’ll transport it for you to a repair garage where you’ll cover the cost of the repair service. It also includes the following:

  • Delivery of replacement parts
  • Alternative transport arrangements for driver and passengers to their intended destination
  • Emergency car hire of upto £70 per day (Total limit is £750) or
  • Bed&Breakfast accommodation expenses upto £40 per person or a total of £500 per group
  • Emergency driver in case driver is not medically fit to drive (A medical certificate will be required for this)
  • Vehicle recovery to the UK that will cover all costs to transport the vehicle, driver and passengers back to the UK if the vehicle was not repairable on time.

Keycare cover at The Insurance Factory

£1,500 for replacements of keys and locks in the event of loss or theft.

Windscreen cover at The Insurance Factory

Windscreen cover option is available through The Insurance Factory. It is offered by one of their panel insurers by the name of MarkerStudy Insurance Company Ltd.
It is available as a standard in the Comprehensive Policy but can also be added an optional extra if you take a non comprehensive policy. The maximum amount of payout is £300 per insurance period.
The windscreen cover will not be immediately available for 28 days after signing up for it unless your vehicle is inspected at the nominated inspection centre.

Personal policy injury available at The Insurance Factory

Up to £5000 if you or your spouse is injured, dead or lost a limb as well as total loss of sight in one or both eyes.

Coverage abroad at The Insurance Factory

Abroad insurance cover varies according to the type of cover you take as well as the insurance company that provides it.

For example, covers for Motorhome and CamperVan vehicles can include unlimited cover for travel across EU Countries. However, it is important that you let your insurer know about your travel plans in advance so that they can advise you on any possible fees required or documents that you might have to carry with you while travelling.

Gap insurance at The Insurance Factory

The Insurance Factory offers GAP Insurance which covers the difference of amount between the payout settlement (in the event your vehicle is considered to have gone through a total loss) and the agreed value of your vehicle.
To qualify for GAP Insurance, the agreed value of your insured vehicle should be more than £7,500 but less than £150,000.

No-Claim Bonus (NCB) at The Insurance Factory

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. In case you go years without claims your NCB can get to upto 75%. You can also opt for an NCB protection cover at an additional charge.

If the incident caused was not your fault and The Insurance Factory was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

At The Insurance Factory, 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.

NCB protection claims (number per year) : 1 claim in 1 year

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. 

The Insurance Factory car insurance terms and conditions

How much does The Insurance Factory car insurance cost?

You'll find below indicative car insurance quotes at The Insurance Factory:

Drivers'ageMonthly premium
18 years old£113,14
40 years old £46,66
60 years old£34,40
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of The Insurance Factory 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 The Insurance Factory?

Aside from NCD, one can also have a chance to receive discounted premiums depending on type of coverage they choose.

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!

The Insurance Factory car insurance policy summarized

Guarantees

At The Insurance Factory
NCB benefitYes
Uninsured driver NCB benefitno
Loss or theft of keys£300 as a standard (Subject to excess)
Personal belongings£100
Audio equipment

Not included as standard

Medical expenses

Excess- Not stated
Limit- Not stated

Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

Available as an optional extra cover

Courtesy car cover

Duration of repair of your car

Coverage abroad

Varies

Guarantees at The Insurance Factory

Excess

At The Insurance Factory
Fire excessExcess- Not stated
Limit- Not stated
Theft excessExcess- Not stated
Limit- Not stated
Accidental damage excessNot stated
Windscreen replacement excess£60 - £75
Young driver excess

£300

Excess at The Insurance Factory

Admin fees

At The Insurance Factory
Interest charged by payment installments

Not Stated

Renewal fees

Not Stated

Cancellation fees

Cancellation fee within 14 days after purchase of policy (Cooling off Period): £25
Cancellation fee beyond 14 days (Cooling off Period): £40

Modification fees

Mid-Term Adjustment fee: £50

Admin fees at The Insurance Factory

Other car insurance policies available at The Insurance Factory

The Insurance Factory classic car insurance

The Insurance Factory offers Classic Car Insurance through Lancaster Insurance.

Lancaster Insurance defines a classic car as 15 years and older as well as new young cars such as MGTF and MX5 provided that they’re used in a true classic sense.

They also offer discounts to Classic Car Club members.

The Insurance Factory business car insurance

The Insurance Factory offers 2 types insurance covers for business use:

  • Motor Trade Insurance: this covers businesses and their staff who work on their customer’s vehicles or vehicles owned by their companies.
  • Motor Trade Fleet Insurance: this covers businesses that are involved in the buying and selling of vehicles.

The Insurance Factory van insurance

The Insurance Factory offers the following covers for Van Insurance:

  • Couriers
  • Scrap Dealers
  • Young Drivers
  • Transportation of fragile and hazardous goods
  • Convicted Drivers.

Optional extra covers avalable are:

  • Excess Protection
  • Gadget Cover
  • Keycare Cover
  • 14 day Van Hire (Provided the van is exactly the same as yours)
  • 14 day Van Replacement
  • Breakdown, Accidental and Tool Cover.

How to contact The Insurance Factory auto insurance?

The Insurance Factory phone numbers 

You will find all important phone numbers to contact The Insurance Factory car insurance:

Contact numberOpening hours

Customer service

0121 296 3075

Monday to Thursday: 9am-8pm
Friday: 9am-7pm
Saturday: 9am-4pm

Claims

0800 440 2063

Available 24/7

Windscreen

0800 1694 677

Available 24/7

Renewals

01384 429 909 (Private Car)
01384 429 906 (Motor Trade)
01384 429 911 (Commercial Vehicle)

Monday to Thursday: 9am-8pm
Friday: 9am-7pm
Saturday: 9am-4pm

Breakdown

0800 2218 240 (UK)
44 (0) 1737 815 858 (Europe)

Not Stated

Complaints

0121 296 3075

Monday to Thursday: 9am-8pm
Friday: 9am-7pm
Saturday: 9am-4pm

Contact numbers at The Insurance Factory

The Insurance Factory other contact details

You'll find below The Insurance Factory main contact details:

Contact details of The Insurance Factory
Email address

[email protected]

Customer account with The Insurance Factory login

My account

Social mediaTwitter and Facebook
ChatbotNo
Contact details at The Insurance Factory

You can also contact them by mail by writing to The Insurance Factory car insurance:

The Insurance Factory
Haden House
Unit 16
Waterfall Lane
Cradley Heath
B64 6PU

How to cancel your car insurance at The Insurance Factory?

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

The Insurance Factory 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’.