Lancaster are clearly a cowboy outfit. It appears to be run on similar lines to a junk bond boiler room sales operation. The carrot of "low prices" to hook you in, then a rapid phone process to write up the business, and of course take your payment. Once processed your nightmare with Lancaster will begin and they have no more time for us suckers. In my case I was unwittingly driving uninsured for 4 months as Lancaster erroneously cancelled my policy 30 days after inception. Of course my vehicle eventually showed up on the police database and I got fined. During a week of calling, e-mails and hassle I eventually got an operative to agree they had fouled up. "I need to take this higher sir and will get our brokers to decide if we should re-insure you back-dated or start you off again with a fresh policy." I stupidly believed this for all of a day, then of course realised no one is ever going to make contact. They've had my money, I'm no longer insured, and now I can get lost. So now we will play to the same rules as Lancaster. Please consider making contact after considering this. We begin with complaints to the bodies that recognise Lancaster and their business. That means the Financial Ombudsman and the Financial Services authorities plus the insurance industry federations. Next they are reported to the police for fraud as they are essentially stealing money from the public. I have already researched the parent group and members of the board along with all relevant names and addresses so we can name and shame the guilty men. In certain cases, including my own, I recommend invoicing demands for payment for loss of time/earnings and inconvenience while cars are laid up or one is forced to rent vehicles (as I had to). It is also legitimate to demand reimbursement of any fines incurred through their incompetence. Send in your demands as a Formal Notice of impending action with a strict deadline for responding. Once Lancaster go beyond that without responding you can fast track your way into small claims court actions and/or the appointment of bailiffs. The more people who band together to pursue a class action the sooner Lancaster will cave in. However, to keep up the pressure, black propaganda on all your social media is a powerful and legitimate tactic. Begin the process now of posting your complaints throughout Facebook, Twitter and car/motoring related forums and web sites. Always upload the Lancaster logo if you can when posting. My background is journalism so I know how to get consumer affairs correspondents for all the newspapers to light a fire under Lancaster. I shall begin the campaign with Martin Lewis at moneysupermarket.com. Hope you read this Lancaster, I'm looking forward to the fight.