Collingwood Car Insurance Review
Collingwood specializes in non-standard car insurance risks, providing coverage where others might decline. Their expertise covers unique situations and challenging cases.
Company & Policy Details
Company Information
Established
1968
Underwritten by
U K Insurance Ltd
Market Position
Customer Service Hours
Mon–Fri: 9am–5pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A
Mobile App
Policy Features
No Claims Discount Protection
Up to 3 years
Telematics Option
Not available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 0 years old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Specialist risk coverage
- Coverage for previous claims
- Modified vehicle expertise
Available Features
Customer Service
Premium Range
From
£320.00
Average
£420.00
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
What non-standard risks do you cover?
We cover drivers with previous claims, convictions, and other situations that standard insurers might decline.
What about previous claims?
Previous claims history is carefully considered with each case evaluated individually.
Can you insure modified cars?
Yes, we understand modifications and can provide coverage for most modified vehicles.
How are claims handled?
Claims are handled by specialist teams who understand non-standard situations.
In-Depth Provider Analysis
Expert Analysis: Collingwood Car Insurance
Collingwood Insurance is a specialist provider focused on learner driver insurance and short-term policies. It enables provisional licence holders to practice driving in a friend or family member’s car without risking their no-claims discount. Collingwood is often recommended by driving instructors and stands out for its simple, cost-effective learner cover.
Professional Editorial Review
Collingwood is an ideal first touchpoint with car insurance. Learners and parents trust it for affordable, safe, and simple protection during a crucial driving stage.
Market Position
Top learner-focused insurer with a clean, practical offer.
Pricing Strategy
Budget – Affordable by design, especially for short-term learner needs.
Who Should Consider Collingwood? A Detailed Analysis
Provisional drivers and learner motorists needing flexible, short-term cover during their learning phase.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Excellent for safe and flexible driving practice
Affordable entry into car insurance market
User-friendly quote journey and documentation
Good trust ratings among learners and parents
Recommended by driving schools
Important Considerations
Not suitable for full licence holders
Coverage ends once test is passed
Limited customisation or add-ons
Mostly short-term – no long-term loyalty rewards
What Makes Collingwood Stand Out
Dedicated learner driver insurance
Flexible policy durations from a few days to months
No impact on the car owner’s no-claims bonus
Endorsed by driving instructors
Low cancellation fees and easy policy changes
Claims Process Analysis
Claims are managed through Collingwood’s dedicated team, with a focus on clear expectations and fast response. Repairs are coordinated through a partner network.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer support is known for being friendly and reassuring – a big plus for nervous first-timers.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Collingwood fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Collingwood's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
These market statistics help put Collingwood's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 7/14/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Collingwood
How does Collingwood compare to other budget insurers in terms of value for money?
Collingwood positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Collingwood's claims process?
Claims are managed through Collingwood’s dedicated team, with a focus on clear expectations and fast response. Repairs are coordinated through a partner network. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Collingwood suitable for young or inexperienced drivers?
Collingwood can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Collingwood for long-term coverage?
Collingwood has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Collingwood work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofCollingwood's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Collingwood for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Collingwood
How to Get Coverage
- Visit Collingwood's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Collingwood directly for the most accurate and up-to-date quotes for your specific situation.