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Lancaster Insurance: Car Insurance reviews

Name: Car Insurance
Rating: 2.45 (20 reviews)

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2.42

Based on 20 reviews, last reviewed 7th Sep 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

30%

2 star

60%

Latest highest rating:

5

Easy to contact with friendly knowledgeable staff Easy to contact with friendly knowledgeable staff Reviewed on: 7th September 2024

Latest lowest rating:

1

Not Recomended Do not insure you car with this company. They charge you too much to cancel your policy. They are a rip off money grabbing company. Stay clear. Be eve... Read more Reviewed on: 11th October 2023

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About this product

When it comes to insuring an expensive or vintage vehicle, selecting the right provider and policy is vital. At Smart Money People, we collect Lancaster car insurance reviews from genuine customers to help you make an informed decision about your next provider.

Lancaster Insurance Services has been providing specialist insurance since 1988, with policies to protect classic cars, 4x4s, motorhomes, military vehicles and more. Lancaster claims to be able to quote for 'virtually every classic car available'.

Find out how genuine customers rate Lancaster Insurance by reading our Lancaster car insurance reviews. Find out what has drawn people to Lancaster’s policies, and any aspects that haven’t quite lived up to claims. By learning this information, you can make a smart financial decision when selecting your next provider.

Have you had an insurance policy with Lancaster? Share your honest experience with our Smart Money People community. Tell us why you chose to insure with Lancaster and whether you would renew your policy. Did you have to make a claim, and if so, how well was it handled? Whether your experience was good or bad, write a Lancaster car insurance review today. Together, we can help people like you make better decisions.

Lancaster Insurance Car Insurance reviews (20)

Review of the Lancaster Insurance, Car Insurance:

Changing the Goal Posts after payment and in the event of a claim

I have a dispute with Lancaster Insurance Services over a windscreen replacement on an insured vehicle It is based on a windscreen replacement My point of dispute are based on a) the proposal documents having no limitation on windscreen cover b) the telephone agent assuring me specifically that it is fully covered c) after a dispute I checked the next years renewal documents which I already had AND made a call to enquire about renewal and windscreen cover and was told again it was fully covered and the proposal documents show no limitations So a limit hidden away and not highlighted as being different to the proposal overrides the original proposal, a telephone agents answer and even a second telephone agents answer regarding a renewal on this specific point AFTER an initial claim has been refused make no difference with a second set of renewal documents that also show no limitations The policy was taken out on 8-Jul-2020 When taken out I specifically asked the telephone agent about windscreen replacement and repair and was told it was fully covered. My liability would be £75 which was a glass excess. Upon a claim made on 1-Jul-21 I am told there is a limit of £500 for windscreen replacement. The vehicle is a period Bentley Arnage so obviously its not fully covered The proposal show no limit and that is what my premium is paid against. The subsequently returned documents do have a limit specified (AFTER PAYMENT) though I had to be shown where this is in one of the 10 multi-page attachments Upon my disputing this on the grounds of the verbal comment by the operator above and no visible signs in the proposal a call audit was made and 'no reference to windscreen was made in this call' was the primary response On 8-Jul-21 @ 1410 I had made a call to enquire about renewing the policy and I queried the windscreen screen and was told my liability would £80 and it was fully covered. When I queried that a Bentley screen is liable to be a high cost I was told 'they know what type of car it is and its fully covered'. Note that the proposal documents for this renewal also do not show any limit on windscreen cover. It should be noted that in that section it does specifically limit things like hifi equipment cover but windscreen is repair and replacement with no limitations specified. On 9-Jul-21 I requested a second review and call audit due to the call on the 8-Jul-21 and on 21-Jul-21 I have been told 'No errors have been made and the matter is closed'. So I guess now its media and Financial Ombudsman Reviewed on: 21st July 2021

Easy to contact with friendly knowledgeable staff

Easy to contact with friendly knowledgeable staff Reviewed on: 7th September 2024

Ok first year

Not satisfied with renewal quote Reviewed on: 17th October 2023

Not Recomended

Do not insure you car with this company. They charge you too much to cancel your policy. They are a rip off money grabbing company. Stay clear. Be even worse if you need to claim. Fortunately I didn’t need to. But don’t bother insure with them ! They will take your money and not very helpful Reviewed on: 11th October 2023

Horrific customer service.

Almost impossible to get through to, call back system useless and if ever you get through after a 30 min wait you’re told that person can’t help and you’ll be called back, no big surprise, but no one calls back. Reviewed on: 24th July 2023

Be warned

Be warned - if you insure your car annually with Lancaster Insurance and then have to cancel 50 days into your policy because you change your car and they won't insure it, you won't be due a refund. They just tell you it's tough luck and refer you endlessly to their terms and conditions. I won't be insuring any of my vehicles with Lancaster Insurance again. Reviewed on: 24th May 2023

Amazing company

They helped me loads in customer service Reviewed on: 6th April 2023

AVOID RIP OFF

******. paid a year premium for my classic car had to sell it due to current climate. expecting some refund not much. only had 5 month use OUT OF 12 MONTHS WAS TOLD NO REFUND. i used to recommend this company. not anymore. i have a few classic cars to insure but i will not use Lancaster plenty of others out there. Reviewed on: 1st December 2022

Avoid this Company

Terrible company to deal with. Ended up being charged the full year amount for 86 days cover after cancelling the policy due to sale of the vehicle. They only 'refunded' 6 months of the premium for 86 days cover and then the cancellation charge convieniently was exactly the amount of that 'refund'. Will never use for any of my vehicles again. Reviewed on: 30th October 2022

dont use!!

I cancelled my car insurance after 40 days as I sold my car, and they would not refund me a penny , taking the whole years policy in fees. I have never been so shocked in my life, daylight robbery, avoid at all costs. Reviewed on: 10th October 2022

Been with them for years.

Always the cheapest for my classic car policy. Can't complain. Good service and staff. Reviewed on: 16th September 2022

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