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Insurance FAQs from our dedicated team of insurance specialists

The right kind of insurance advice in Lancaster and the north west can be hard to find, but here in our insurance FAQ section, we've answered the most common questions, to help you find out what you need to know.
Of course, if your questions aren't answered here,
get in touch and let us know!

Insurance FAQs

How are car insurance premiums calculated?

Your car insurance premium is calculated by determining various factors which include the type of car, where it's kept, who drives it, what it's used for and what cover you require.

As a general rule of thumb, smaller engine cars are cheaper to insure than larger engine cars, and prestige cars are more expensive as the parts to repair will cost more.

The older the car, the more discount it attracts for comprehensive insurance.

Car theft is higher in urban areas and consequently means your insurance premiums will be higher than for somebody living in a more rural area. The postcode where the car is kept is a rating factor so if it is not kept at your address you need to advise us.

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Blackpool Office:

BP Insurance Blackpool Telephone Number

01253 393106

BP Insurance Blackpool Email Address


Cleveleys Office:

BP Insurance Cleveleys Telephone Number

01253 863636

BP Insurance Cleveleys Email Address


Lancaster Office:

BP Insurance Lancaster Telephone Number

01524 63740

BP Insurance Lancaster Email Address


St Annes Office:

BP Insurance St Annes Telephone Number

01253 781007

BP Insurance St Annes Email Address


Commercial Office:

BP Insurance Commercial Office Telephone Number

01253 393076

BP Insurance Commercial Office Email Address


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