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Does Lancaster offer classic car insurance?

Does Lancaster offer classic car insurance?

Want to make sure your classic motor has appropriate insurance? We see if Lancaster Insurance* (which was started in 1984) can help

What kind of insurance does Lancaster offer?

If classic car insurance is what you’re looking for then Lancaster Insurance* is definitely a good place to start. They also offer a range of niche motor related products and general insurance products. For instance, if you insure your classic or vintage car through them, Lancaster can also arrange cover for your daily car* and promise to match your renewal from your current provider. (T&Cs apply)

What kind of classic insurance is available?

In addition to a standard classic car policy, Lancaster offer an agreed value scheme which can be added to your policy. As a committed supporter of classic car clubs, members can get up to 25% off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).

Lancaster also offers cover for modified classics as well as multi-vehicle insurance-  usually at a discounted price (these can include various other types of vehicles too, such as classic cars, 4x4s, campervans and even tractors).

Alongside the standard benefits you’d expect with your insurance, such as limited mileage and salvage retention, the specialist provider offers additional benefits. For instance, they appreciate the importance of recognising the true value of your car and as such offer a two year agreed valuation, ensuring you will get the true value for your vehicle should the worst happen.  

What kind of car qualifies as a classic?

Lancaster doesn’t provide specific information on what does and does not qualify as a classic, so although it will provide cover for vehicles old enough to qualify as vintage younger examples may also qualify. For example, we obtained a quote for a 2012 Mazda MX-5 even though it was made in 2012, although this may not apply to other makes of a similar age.

A Lancaster spokesman said, 'When it comes to getting a quote with Lancaster, they take the driver profile into consideration as much as the car in question. We’d encourage you to speak to Lancaster directly to talk through your requirements to ensure the quote you receive is right for you and your needs.'

How do I get a quote from Lancaster?

To get a quote from Lancaster the quickest way is to call the dedicated call centre, alternatively you can complete an online form to receive a callback as soon as an agent becomes available.

Lancaster Insurance  Lancaster -logo -1200X627px -72dpi

Like almost all insurers these days you can get a quote from Lancaster Insurance* by visiting their website and filling in the relevant forms, but the firm says to get the very best rates you should call them directly and speak to their knowledgeable staff who are well-versed in providing quotes for classic cars. You can even fill in a ‘call me’ form with some details and a representative will call you back at a convenient time.

Lancaster Insurance can be contacted on: 01480220196

How much does insurance from Lancaster cost?

As with any insurance quote many factors influence the final figure, particularly with classic car insurance where the valuation of a vehicle can vary on its age and condition. The below examples are based on a 45-year old male marketing manager with a second vehicle. It’s garaged, covers 3000 miles a year and lives in an SP2 postcode. He has no claims or convictions and is a club member. Quotes are correct as of 30 July, 2019. 


1995 VW Corrado VR6


2012 Mazda MX-5 2.0 Sport £10,000

1973 MGB GT V8 £28,000

45 year old

£109.41* (£127.41 with Agreed Valuation)


£79.08* (£97.08 with Agreed Valuation)

How do I make a claim?

If you need to make a claim you should refer to the dedicated claims number outlined on your policy documents, which is available 24 hours a day, seven days a week.

Ask HJ

The cheapest insurance premiums as paid by Honest John readers.

We had a massive response to the challenge to beat TR of Saffron Waldon’s £97pa insurance premium for his 1994 Volvo 440 GLT. The winner is MP of Horley, who pays just £52 a year each via RH Specialist Insurance, tel 01277 206911, quoting MPP989/HJ1 to cover his 1952 Ford Popular and his 1974 Land Rover. Also listed are PE of Knightwick, 1937 Riley 12/4 Sports, £96.92 on a classic policy. DS of North Shields, Citroen, £95.96 comp with AA Insurance. BB of Market Drayton, 2000 Vauxhall Astra, £93.98 comp with Saga. FE of Northwich, Vauxhall Corsa 1.2, £93.46, comp with Saga. CE of Newmarket, 1995 Volkswagen Golf GTi, £93.28 comp with Saga. JP of Okehampton, MGB V8, £90.10 comp 3000 miles pa with Colin Holmes Ass. DB via email, 1967 MGB GT, £88.40 5000 miles pa on a classic policy. NB via email, 1966 Volvo P1800, £88.37, 3000 pa with Lancaster Insurance. RJ via email, 1981 Ford Fiesta Ghia, £88.31 with Lancaster Car Insurance. MG via email, 1983 LandRover S3, £87 on a classic policy. SJ of Plymouth, 1996 Peugeot 107, £86.97 comp with Saga. JF of Coventry, 1967 Triumph Spitfire II, £85.02 on a 5000 pa classic policy. GT via email, Volvo Amazon estate, £84.70 3000 miles pa on a classic policy. BD via email, 1993 Mercedes-Benz 190E, £84.79 comp with Saga. AM of Gerrards Cross, 1973 Triumph TR6, £82 on a classic policy. OC via email, 1990 Peugeot 205 1.4XR for £79.04 comp with AA Insurance. PM of Lochcarron, 1995 Volkswagen Reimo camper, £78.31 comp with Saga. MP of Abersoch, 1992 Suzuki SJ413, £76 on a 3000 miles pa classic policy. RP of Hadzor, 1996 Mitsubishi Colt 1.6, £73.40 comp with Saga. JS of Sidmouth, 1986 Toyota Carina, £72.58 comp with Saga. BT via email, 1993 Kia Pride, £68.30 TPFT with Saga. VT, Hastings, 1935 BSA 3-wheeler, £67 with Manor Insurance. MP of Horley, 1952 Ford Popular, £52 comp on a business policy with Equity Red Star. MP of Horley, 1974 Land Rover, £52 comp with Equity Red Star/RH Specialist Insurance, tel 01277 206911 quoting MPP989/HJ1.
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