Lancaster car insurance

Lancaster provides three types of car insurance cover:

This is the minimum level of cover that Lancaster offers and is also the minimum legal requirement that you need to drive on UK roads. Taking out this level of cover means that if you are in an accident, you are insured for damage to other people’s vehicles and property as well as injuries sustained to others. Third Party cover does not provide insurance for you or your car. 

Lancaster can offer Third Party Fire & Theft (TPFT), a step up from basic third-party cover. As well as providing the legal minimum, Lancaster’s TPFT policy will protect your vehicle against damage caused by fire and theft. 

Lancaster’s fully comprehensive policies offer insurance cover for you and your vehicle even for accidents that are found to have been caused by you. The comprehensive car insurance also comprises the minimum cover you get from third party as well as Lancaster’s TPFT policy. 

Lancaster has a specialist classic car customer service team, with a UK-based call centre and a 24-hour claims helpline.

Lancaster offers handy discounts of up to 25% on classic car insurance for car club members.

Gives you more flexibility in how you choose to repair your classic car.

Should your car be uneconomical to repair, this gives you the chance to buy back your classic car from the insurer after an accident claim.

Allows you to drive your car in continental Europe for up to 90 days.

This gives you a lower premium for keeping your mileage below a certain level.

You can get static show cover if you are presenting the car at shows and towing it back and forth to your home.

An essential if you are going to be taking part in the odd rally.

Lancaster will arrange Accidental Damage, Fire and Theft cover if you are keeping your classic car off the road.

These options allow you to insure your keys and/or portable electronic gadgets against loss, theft or damage.

Lancaster has teamed up with AXA Assistance to offer UK breakdown cover or UK & EU cover. As well as for the UK, the latter gives you breakdown cover for driving around over 35 EU countries.

This covers the legal costs of making a claim, or the legal expenses involved in defending a claim made against you.

Provides additional cover in the event of serious injury or death as the result of an accident.

This means that the excess in a claim will be refunded to you where there is no responsible third party.

This gives you peace of mind as it means in the event of a total loss claim on your classic car the amount paid out will be already fixed, less any policy excess.

If you have more than one classic car in your household, Lancaster can arrange one insurance policy that covers all the vehicles. This saves you the additional hassle that comes with having different insurance policy renewal dates and policy numbers. Having your classic cars insured under a single policy can also work out as being more cost effective.

Lancaster sees itself as something of an expert in this area as it has been arranging specialist 4x4 insurance for over twenty years. Most of the 4x4 policies it offers include green laning & off-road cover as standard, meaning you should be fully insured when you venture down green lanes and go off-road. 

Lancaster can arrange cover for a wide range of 4x4 and off-road vehicles, including Land Rover, Range Rover, Mitsubishi Shogun, Nissan Terrano and Volvo XC90. Owners club members can get up to 25% off its 4x4 policies. It is also able to offer limited mileage deals.