I found this company on Go compare. I wanted to insure my 1999 Audi tt..it is insurable as a classic as it is 18 years old and used about 30 miles per week max. I gave a mileage declaration to verify this. On filling in my application there was a question,.,do you drive another vehicle besides this one? to which I answered Yes... I have 3 vans..one is a berlingo that I use always as my daily transport. Then the following question was do you own another car ? but gives no option for van, just car....So assuming this was to verify the fact that the vehicle I was insuring was a second occasional use vehicle I answered yes. I sent in my proof of no claims . During the next few days I was emailed and called by Lancaster requesting this no claims proof and milage declaration etc. I tried to call them 4 times but after long, long delays gave up. ( if you've tried to contact them you'll know what I mean) . Eventually I got through thinking all was well. I was asked questions like Do you owne another car. I said no..but I used a van every day instead. Did I have access to another car?..Yes I did, but it was my ex wifes car used in cases where our son needed to go with pals somewhere. . I was told neither of these situations counted and so the insurance would be cancelled. I was origionaly quoted just under 290 for the year. I had paid 40 deposit but had used only 3 weeks cover by then. . (I had 2 years previously insured with them under those very same conditions!.) Remarkably I was asked for 130 cancellation fee. ! Now i have received a letter from a collection agent. for 188.10 which I refuse to pay. ......Its in the bin by the way Lancaster... I will happily go to court over this . if its cost me 1000 ,there is a principle here. This company do not need to actually sell insurance if they are claiming huge fees of this kind on a regular basis. It would be very interesting to know just what percentage of their turnover comes from these heavy handed tactics. Finally,.. On a following quotes search to insure after this fiasco, Not knowing the company I contacted the cheapest provider using the telephone....( all calls recorded as per usual).. I explained that I was using a VAN as my first vehicle, not a car. I stated this several times.... I was offered a quote for £280. Yes £280 ..and guess who the company turned out to be?.. LANCASTER ... .Be warned, make one small mistake or even use your initiative on your application and you will give this outfit opportunity to sting you big time.