Collingwood Insurance is a specialist motor insurance broker and provider based in North Shields, near Newcastle upon Tyne, England. It focuses on niche motor products including learner-driver car insurance (both annual and short-term), taxi insurance, courier insurance and bespoke motor fleet cover. Collingwood Insurance Services (UK) Limited is authorised and regulated by the UK Financial Conduct Authority and trades primarily under the Collingwood brand to sell and administer these policies.([collingwood.co.uk](https://www.collingwood.co.uk/?utm_source=openai))
A charge described as “COLLINGWOOD - R/T 08454470002 ENG” is very likely a payment to Collingwood Insurance for a UK motor insurance policy, most commonly learner, taxi or courier cover. The “R/T” portion often denotes a recurring or renewal transaction, and the 0845 phone number and “ENG” tag indicate a UK-based customer service line and location. Such charges may represent an initial premium, a monthly instalment taken by card, or an automatic renewal of an existing policy arranged through Collingwood. Policy payments may be collected via card rather than direct debit, so they can appear as individual card transactions rather than a bank mandate.([moneysupermarket.com](https://www.moneysupermarket.com/car-insurance/providers/collingwood/?utm_source=openai))
If you don’t recognise a Collingwood Insurance charge, first check any recent or past insurance documents and emails from Collingwood for the policy number and payment schedule, including any automatic renewal notice. You can log into your Collingwood account or contact their customer services using the phone numbers and email addresses listed on your policy documents or on their official website to confirm what the payment relates to, request copies of invoices, or discuss cancellation and refunds where applicable. If the transaction still appears incorrect after speaking to Collingwood, you can raise a formal complaint with them and, if unresolved, escalate to your card issuer and potentially the UK Financial Ombudsman Service in line with your consumer protections.
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Collingwood Insurance.
What does the charge “COLLINGWOOD - R/T 08454470002 ENG” on my card statement mean?
This descriptor typically refers to a card payment to Collingwood Insurance for a UK motor insurance policy, such as learner-driver, taxi or courier cover. The “R/T” usually indicates a recurring or renewal transaction, while the 0845 number and “ENG” show a UK-based customer service line and location. Check your Collingwood policy documents or online account to match the charge date and amount with your premium schedule.
What types of insurance policies does Collingwood usually bill for on cards?
Collingwood primarily bills for learner-driver policies (short-term and annual), taxi driver insurance, courier insurance for parcel/food delivery, and some bespoke motor covers. If you or a family member recently arranged practice driving cover, taxi work or courier work in the UK, the Collingwood charge is likely the premium or an instalment for that policy.([collingwood.co.uk](https://www.collingwood.co.uk/?utm_source=openai))
How can I verify which Collingwood policy a particular card payment relates to?
Gather the exact transaction date and amount from your card statement, then check any Collingwood insurance emails, policy schedules, or renewal notices for matching figures and dates. You can also log into your Collingwood online account (if set up) to view active and recent policies, or call their customer service team using the official contact numbers on collingwood.co.uk and ask them to locate the payment using your name, postcode and card details (last four digits only).([collingwood.co.uk](https://www.collingwood.co.uk/CCOU/Claims?utm_source=openai))
Does Collingwood Insurance set up recurring card payments or instalments?
Yes. In many cases Collingwood collects premiums by recurring card payments, either as monthly instalments or as an automatically renewed annual premium, rather than by direct debit from your bank account. This means instalments will show as individual card transactions, sometimes with descriptors including terms like “R/T” for recurring or renewal. Your policy schedule or payment plan will outline the due dates and amounts for each instalment.([financial-ombudsman.org.uk](https://www.financial-ombudsman.org.uk/decision/DRN-4775982.pdf?utm_source=openai))
How do I cancel my Collingwood Insurance policy to stop future charges?
To cancel, you should contact Collingwood directly via the cancellation or customer service number that corresponds to your policy type (learner, taxi, or courier) or use the contact options provided in your policy documents and on their website. Ask for confirmation of the cancellation date, any cancellation fees, and whether a pro‑rata refund of unused premium is due. Keep written confirmation (email or letter) so you can challenge any subsequent charges if they occur.([collingwood.co.uk](https://www.collingwood.co.uk/CCOU/Claims?utm_source=openai))
How do I request a refund or dispute a Collingwood Insurance payment?
First, contact Collingwood Insurance customer services with your policy number, transaction details and reason for the refund request—such as mistaken renewal, double billing, or cancellation within a cooling‑off period. They will review whether a full or partial refund is due under your policy terms. If you still disagree with their decision, you can submit a formal complaint to Collingwood; if unresolved, you may escalate to the UK Financial Ombudsman Service or your card issuer for a chargeback, following their procedures.([collingwood.co.uk](https://www.collingwood.co.uk/CCOU/Claims?utm_source=openai))
Why do I sometimes see small or pending Collingwood Insurance amounts on my card?
Collingwood or its payment processor may place a temporary authorisation on your card to verify that it is valid and has sufficient funds before collecting the full premium. These authorisation holds can appear as pending or small transactions and should either drop off or be replaced by the final premium charge within a few days. If a pending amount remains or you see multiple holds, contact Collingwood and your card provider for clarification.
How can I contact Collingwood Insurance about a charge I don’t recognise?
Use the official contact details listed on collingwood.co.uk or on your insurance documents rather than numbers from unverified sources. Collingwood provides separate phone and email contacts for learner-driver, taxi and courier policies; customer service is typically available on local-rate 03 or 0345 numbers during UK business hours. Provide your name, address, and the last four digits of the card used so they can identify any policies linked to the transaction.([collingwood.co.uk](https://www.collingwood.co.uk/CCOU/Claims?utm_source=openai))