Lancaster Insurance Reviews

1.98 Rating 187 Reviews
24 %
of reviewers recommend Lancaster Insurance
Merchant Metrics
Customer Service
Communication Channels
Telephone, Email
Queries Resolved In
Over A Week

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Anonymous  // 01/01/2019
Waited 45 mins on hold before having to end the call.

Emailed mileage form 4 times to them, each time getting an acknowledgement auto reply and yet nothing done with the form by the office workers.

Understaffed and unprofessional in this age. Stay clear!
Posted 2 years ago
Absolutely amazing company, they beat all my quotes for my classic car. Really helpful with the sales side of the company. Takes a while to get through to them on the phone. Dani at customer services is brilliant, she helped me with all my questions and was really nice person to just generally chat with. Highly recommend.
Posted 2 years ago
Extremely unhappy with this company. I requested to cancel my insurance due to no longer having the vehicle. I was insured for a total of 21 days. My premium was £330 and I paid an upfront fee of £69 leaving £261 left to pay subject to interest for the monthly instalments. I received a bill for £159 to leave. This also included legal protection of which I never added on at the beginning. It looks as though they have added as much as possible. I have used many classic insurance companies over the years and never had this problem Lancaster Insurance are a bunch of rogues. If I remember I had a problem many years ago with this company and this has just reminded me. The reviews they have on their website is not actually a real review panel as I cant find access to leave on on there. Also check out their score on trustpilot.
Posted 2 years ago
The initial quote was very good and I was happy with the price but after only having the insurance for just under 2 months I sold the car and cancelled my insurance it cost me a whole year's premium for two months therefore I wouldn't recommend this company.
Posted 2 years ago
Looks like ALL of the poor reviews are from people wanting to cancel a policy. They need to understand that insurance is an annual contract so don't be surprised if you get charged a fee to cancel. My experience with Lancaster has been great. They came up with a really good price and the service was excellent.
Posted 2 years ago
They were very easy to use and the price was great.
Posted 2 years ago
My experience with this company is not good.. the quote I had from money supermarket was good yet they came back to me for all my documents and quickly ramped the price up even though one small bump that was listed on my account with money supermarket at a cost of ver minimum & covered by my excess twice over, I asked to cancel because other quotes would have been better & I’d only had this 2days & they wanted a ridiculous charge for admin.. they said I should have read the small print! Funny enough I didn’t get the small print until after I paid & wasn’t expecting the price to differ so drastically .. I past my test 34yrs ago & have never had a fault accident & drove for a living for over 12yrs clocking up 40,000 miles a year.. of experienced drivers like me have these issues then I hate to think how others manage
Posted 2 years ago
Absolute rip off - I feel mugged!!!

I was forced to pay the full years insurance up front as I wanted to cancel the policy. I ended up paying a full years price when I only used it for 4 months cover.

I would not recommend Lancaster Insurance for this reason, there are many competitors which only charge a cancellation fee.
Posted 2 years ago
Terrible, stay away, forced to pay the full year insurance up front if i wanted to cancel.
Posted 2 years ago
I had two vehicles stolen off the drive way - Merc Sports and BMW - Lancaster will super - got the Insurance companies working fast and covered a lot of detail work that resulted in both vehicles being settled in 4 weeks - I was smashed up in a Police chase and the BMW has not been recovered - Also needed some changes on the policys on my other two vehicles - Great Job - Hayley was brilliant

Pete Lombardi March 2018
Posted 2 years ago
Nightmare to deal with. Very very poor customer service. If you get through to them you would have wished you didn't. Quoted £4000 to change the policy to the same car with a difference engine. Insured with footman james for £290 fully comp. Tried to cancel my Policy and they are asking for £300 for this. That would mean I've paid £700 of a total of a £900 policy for 140 days insurance. Will never ever return and join the other reviewers on here to say AVOID AT ALL COSTS.
Posted 2 years ago
I took out a policy on the web with lancaster for a classic car I had in the garage and which had not been insured for many years.
I reads through their questions thoroughly and answered them all fully. They appeared to be the cheapest so I bought a policy. However on receiving the conditions (which you get after buying) it was clear I would only get that price if I surrended a policy on that car for no claims bonus (regardless of the many years I have not claimed off any car insurer). When I enquired they said the policy then would credit no years no claims bonus and would be significantly higher. I immediately cancelled and they charged me a significant admin fee.
I would never ever recommend buying a poilicy of the Lancaster website. If the price looks good call their call centre and calrify all points first.
Posted 2 years ago
Dreadful Company. They give a quote then renege on it and charge a policy amendment fee.

Please bear in mind they also use Kinetic Insurance Brokers with Allianz , who will also charge you a brokerage fee.

Go to a reputable Insurance Company direct and save unnecessary fees and commissions.
Posted 2 years ago
Cost of cancellation on a car I have now sold is ridiculous when I only have a few months to run on my policy. Told I have legal cover on the policy when I did not take it out. Money grabbing unhelpful company that I will never deal with again!
Posted 2 years ago
Superb service, and great prices
Posted 2 years ago
Do a bit of online research to confirm this. Basically, they sell you a really cheap policy, then try to make unreasonable changes right away, then charge 40% or more of the original price, just to cancel. Rarely answer the phone, take several days to answer emails etc. etc. etc. One day this kind of thing will be illegal.
Posted 2 years ago
I purchased insurance with Lanaster at the end of June and payed up for a whole year. I recently sold my car so phone up to cancel my Policy and see what my refund would be. I have only had this policy for under four months. The company claim I am not owed a refund, literally nothing back. I am disgusted at this company I had eight months left and not a penny! I used to rate Lancaster but my opinion of them now is in the gutter and I will NEVER use them again and will let people I know with classic cars about my experience with them. AVOID
Posted 2 years ago
I found this company on Go compare. I wanted to insure my 1999 Audi 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 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.
Posted 2 years ago
I found them fairly straightforward. Yes, I cancelled a policy 6 weeks in and got no refund, but as the total paid was £94 for a year (classic policy) I wasn't expecting much. Most of the £94 will have gone into handling cost and commission - I think they quoted minimum £70 cost from the insurer and their own cancellation fee which exceeded what was left over, the excess being "waived".
Posted 2 years ago
""Pained to have to give them 1 star... I took out insurance with them after using a comparison website, answered all questions honestly and went on to purchase cover... Upon receiving the insurance documents, I noticed that they had classed my 2012 Toyota Yaris as a "Classic car" - I phoned them to query this decision and they tell me that I had mislead them as the [private] registration implied a much older vehicle and my policy was to be cancelled [by them!] that very day! I was left with a car, parked on a main road, uninsured and now have to declare to future insurers that I've had a policy cancelled which has increased my premium by more than £600!!! - Lancaster also kindly charged me a £70 fee for my trouble also... Please be careful if you want to insure with them, they may be cheap at first but I imagine their policies are worthless if you ever have to claim
Posted 2 years ago
Lancaster Insurance is rated 1.98 based on 187 reviews