The Insurance Factory car insurance

The Insurance Factory has been supplying car insurance for over 20 years. They specialise in finding the right policies for customers with high performance cars, or those with driving convictions.

The Insurance Factory car insurance


Car in morning

What they provide

However, they also provide insurance for young drivers, car owners with modified cars, imports and classic cars. They give a personalised service and look for car insurance that will give the features and benefits their customers need.

The Insurance Factory has a 24 hour, 7 days a week claims line, which you can contact by phoning them on 0800 440 2063.

Below are some of the benefits you can ask for with a comprehensive car insurance policy. It depends on the insurance company whether they are offered as standard, or as additional extras. Not every company has the same benefits so it is important to stress anything that you specifically want to include with your car insurance.

Comprehensive Cover with Insurance Factory Car Insurance – Benefits you might be offered:

  • Cover for a new car – if you have an accident in a car that’s less than 12 months old, it will be replaced with a new one of the same make, model and specification
  • Windscreen cover – some companies also include sunroofs
  • Audio and Navigation equipment
  • Personal belongings
  • Emergency medical cover – in the event that you need to pay for emergency treatment after an accident
  • Personal Accident cover – a lump sum payment to compensate for grave injury or death
  • Child car seat
  • Key cover – replaces lost or stolen keys and locks, including the costs of the locksmith
  • Alternative accommodation – if your car can’t be driven after an accident and you can’t get home, you can stay for one night in alternative accommodation 
  • Onward travel – pays for or towards the cost of travelling back home with an alternative form of transport if you can’t drive your car after an accident
  • Misfuelling - if you accidently put the wrong fuel in your tank, this will cover you to drain the tank and clean or repair any damaged parts
  • Loss of road tax – a refund of your unused road tax if your car is written-off
  • Uninsured driver protection – if you have an accident that’s not your fault and the driver isn’t insured, you won’t lose your policy excess should you need to claim on your own insurance
  • Courtesy car – the use of a car whilst your own is being repaired. It is either guaranteed or subject to availability and it will usually be a small hatchback
  • European travel – depending upon your insurer cover can be the same as you have in the UK or the minimum cover offered by the country you are visiting

Terms and conditions will apply to the benefits you’re offered, so it’s important to check the policy wording before you purchase.

There are usually additions you can pay for and add to your policy, such as:

  • Legal cover – an amount that will help you to get legal help if you have an accident that’s not your fault and you need to claim uninsured losses. Your losses could relate to personal injury, loss of earnings, car hire charges, reimbursement of your policy excess and any other out of pocket expenses
  • Breakdown – cover that will help you at the roadside or at home and even whilst you’re driving in Europe

If you have a classic, or a modified car, you’re a young driver or you have convictions, you can get an Insurance Factory car insurance quote today.

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