WARNING DO NOT USE THIS COMPANY 0 Stars in fact i want to talk about this first. Before my review they were 40 in which 24 of them being 1 star in fact the 2 star rating is much worse when you consider that you have put in 1 star reading these reviews i can clearly see that if we had the choice the ratings will be much much lower poss lessthan 1 so please dont make the same mistake as me when going on line do your reserch on them1 star is an joke. On a classic car insurance with Lancaster yes they do take all your years no claims off of you. Tryed to send documents to my phone, will only send proper documents through the post if you pay a further £4.50, Lancaster hide behind confusing emails and will not ring you when they did i still got nowhere they do not understand what are saying I found Lancaster compleatly unintelligant, they do not. respect the 14 day cooling off period I lost my job just before Christmas as they would not do anything to help me i cancelled the direct debit because they did not respect the cooling off period looks like i have to pay £45.05 can not pay this as only getting £7.58 a week so they are setting up a repayment plan of 10 pence a month yes you see right 10 PENCE a month discusting company also want me to ring them once a month to pay this worked out this will take 37.6 years to pay this off if i live that long i will be over 95 years old good chance i will be paying this still when i am 6 foot under IDIOTS. YOU HAVE BE WARNED DO NOT USE LANCASTER I have learnt from this i would now be going to A plan or Swinton worth paying a few quid more for a much better company. Its ok to go on line but dont just steam in when you see a cheap quote come through dont make the mistakes i did do your reserch on them look at there reviews page