Insurance Factory car insurance review

Here's our lowdown of the car insurance policies offered through Insurance Factory, available for high-risk drivers and owners of modified and high-performance cars.


Fact checked
Insurance Factory

Are you in need of specialist car cover because of your non-standard situation? We’ve looked into the different policies that Insurance Factory can source as well as some of the key benefits. This insurance broker claims to be able to find car cover even for high-risk drivers such as young drivers or those with convictions. It can also find cover for owners of high-performance or modified cars. Here’s what else you need to know.

Quotezone comparison

Get a car quote with

  • Compare up to 95 UK car insurance providers
  • Get instant quotes and instant cover
  • Switch with minimal effort

Who is Insurance factory?

Insurance Factory is a specialist car insurance broker with more than 20 years of experience sourcing car insurance. As well as a range of car insurance products, it also offers cover for vans, taxis specialist vehicles and the motor trade.

Insurance Factory can source car insurance for owners of modified and high-performance cars. It also has policies for young drivers and those with motoring convictions as well as those with a chequered claims history.

What are Insurance Factory’s levels of cover?

Third party.
Third party cover is the minimum level of cover that Insurance Factory offers. All drivers in the UK are legally obliged to have at least this insurance to be on the roads. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. It won’t however, cover any damage to your own car.
Third party, fire and theft (TPFT).
This provides the same level of cover as third party but will also offer protection against any fire damage to your car or theft of your car.
This is the highest level of cover available. It gives the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It can be cheaper than third party, or TPFT, so it’s always worth checking.

What is covered under my policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people and property
Fire and theft
Accidental damage
Windscreen cover

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Insurance Factory.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Insurance Factory can provide add-ons to your policy including:

  • Legal expenses
  • UK Breakdown cover
  • European breakdown cover
  • Windscreen cover
  • Excess protection
  • Key cover
  • Guaranteed vehicle hire car
  • Gadget cover
  • GAP cover

What policy exclusions are there?

Your cover through Insurance Factory is likely to become invalid if any of the following arises:

  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

The insurer that offers you the policy through Insurance Factory may also have its own set of exclusions. Check your policy for further details to confirm your cover is valid at all times.

How do I make my claim?

As there are no claims line details on the Insurance Factory website, you will need to check your own policy document in order to find out how you should make a claim. You may find a claims line telephone number or an email address.

You should have the following information to hand in order to make a claim:

  • Personal details such as your main telephone number, email address, home address, and car registration and insurance policy numbers
  • All details about the incident
  • Names and contact details for everyone involved such as third parties, witnesses and passengers

And it’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim.

What is my excess?

Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
A compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

Insurance Factory pros and cons


  • 28 day free returns in store or via post
  • Offers car insurance for high-risk drivers and owners of modified and high-performance cars
  • A range of optional extras to enhance policies


  • Limited information about car insurance policies on the website
  • No claims line details on Insurance Factory website

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

More guides on Finder

Go to site