If you drive a car, you’re likely already well aware that car insurance is a very necessary evil. In most places, it’s a legal requirement to have your car insured. This is because if you’re involved in an accident, your insurance can pay for the damages. Your car insurance can save you from an expensive repair job, and most insurance policies provide you with a courtesy car so you don’t have to go without a vehicle.
This brings us to the next question: which car insurance provider should you go for?
The right insurance provider can differ depending on your car and your circumstances. In this review, we’ll examine Lancaster Insurance, which is a bit different from most insurance providers.
What Makes Lancaster Insurance Stand Out?
Lancaster Insurance isn’t your average car insurance provider. The team specialises in classic and specialist cars. Basically, it’s the car insurance provider for people who really love cars. They offer a lot of services and options, mostly geared towards the unique needs of people who collect classic or specialist vehicles.
These vehicles might include:
- Classic cars
- Classic vans
- Kit cars
- Campervans
- Motorhomes
- Performance cars
- Modified cars
- American classics
- Military vehicles
- Land rovers
Even if you don’t drive these cars very often, they still need to be insured. It can be helpful to insure classic cars if they’re getting shipped cross-country or internationally as well, as this means that even if there is a bit of damage in transit, the cost of repair is covered.
Whether you have one classic or specialist car, or you have a whole collection of them, Lancaster Insurance could be one of the best insurance options out there. As well as offering an individual valuation and quote for each car, they also have a multi-car policy, which is ideal for collectors.
Benefits of Using Lancaster Insurance
Here are some reasons why people find that Lancaster Insurance is one of the best options out there for classic and specialist vehicles.
Focused Service
The most obvious and compelling reason why Lancaster Insurance is a great option is that they offer a very focused service. Most car insurance policies are designed for modern cars that you might use every day for your commute. This means they can slap a very generic service on, and it’ll be fine.
But classic and unique vehicles need a different level of care and service. You are unlikely to use them for everyday driving, which changes the policy considerably. They also require rarer parts to repair, might be more prone to specific problems, and you might want to be more involved in the repair process.
Lancaster Insurance is made up of car enthusiasts, which makes it the insurance provider for people who love cars. You’ll get a more specialised level of service, which often means a higher standard of care that suits your needs.
An Experienced Team
Lancaster Insurance has been around since 1984. That means that they’ve been insuring classic cars for so long, that you could use them to insure a 1980s vintage car that’s as old as the company.
These years of experience means that their team has essentially seen everything. So they’re familiar with everything that can go wrong with classic cars, as well as how they can help as an insurance company.
They’ve also stood the test of time as a company.
Discount Opportunities
Car insurance can cost a fair amount of money, meaning that discounts can be very helpful.
Lancaster Insurance offers a few options for insurance discounts. This includes car club member discounts, so if you’re a member of certain classic car clubs, you could get cheaper car insurance for your classic cars. You can find out which clubs get discounts at their classic car club page.
You can also get limited mileage discounts, meaning that if you don’t drive your car very often, you can get cheaper insurance.
Wide Range of Insurance Options
One of the best things about Lancaster insurance is that you can tweak your policy to suit your needs. They offer loads of options for different types of vehicles, ranging from modified vehicles, specialist vehicles, and even wedding cars or car show coverage.
If you’re not sure what you need, the team is experienced enough that they can help you come up with a policy that works well.
Potential Downsides of Lancaster Insurance
Of course Lancaster Insurance has its downsides as well, and there are some situations where it might not be the best option.
Intensive Quote Procedure
There are a lot of options available for car insurance, and getting a quote can take some time. This is a good feature for a lot of consumers who have more specialist needs, but if you just want a quick quote, you might not want to spend as much time going through your needs.
Of course, there are options to speed this up. The multi-car policy is good if you don’t want an individual policy for each vehicle in a collection, but if you want the best deal, it can take time.
Can Be Expensive
Insuring a classic car can involve some varying costs.
In some cases, it’s actually cheaper than insuring a modern car. If you rarely drive your classic car and don’t get a lot of mileage, you might find it’s cheaper than other car insurance.
But for certain models, and if you use your classic car as an everyday driver, you could end up paying more for your car insurance because it can be harder to repair and restore rarer vehicles.
Not the Best Option for Generic Vehicles
Lancaster Insurance is a specailist car insurance provider, meaning that if you don’t have a specialist car, you might be better off going for a different provider. Check what cars they insure and do a bit of research to find the best deal.
Is Lancaster Insurance Right for You?
So, is Lancaster Insurance the best car insurance policy provider? Well, it depends on what you need from your insurance.
If you love classic, vintage, modified, or specialist vehicles, Lancaster Insurance is ideal. They offer a variety of policies for different situations, making them perfect for car enthusiasts who like collecting slgihtly unusual vehicles.
