ADVERTORIAL: INSURANCE Lloyd Latchford: The Real Deal LLOYD LATCHFORD are proud not only to offer a product that is full of benefits and offer the very best of service in the event of a claim, but also making sure that the price is also competitive. The current climate is hard for everyone and for the Driving Instructor things are no different. Lloyd Latchford realise this. In addition to marketing leading benefits they offer on their Driving Tuition Policy they are urging all Instructors to look at the payment terms offered by an insurer or Broker before taking out the policy. Lloyd Latchford Scheme Manager Rob Callum says “There are some very competitive policies out there however once the direct debit or payment methods are taken into account the premium is all of a sudden not that attractive.” Lloyd Latchford allows all their instructors to pay over 3 months without any extra charges. “This is the norm” says Rob “Other brokers may decide to provide it ad hoc but we feel we really should be doing all we can to help instructors out at this difficult time”. Against the main providers Lloyd Latchford also come up tops on direct debit charges. “Some Insurers charge a fee just to set you up on direct debit!” Says Rob who is convinced that the 9% flat interest charge is competitive amongst the main players. For those who are lucky enough to be able to pay in full, the Lloyd Latchford policy still offers some market leading benefits, such as Guaranteed No Claims Bonus and Nil Fire and Theft Excess (Totally unique in the Market). Lloyd Latchford have recently changed their claims procedure and all Guaranteed Dual control vehicles supplied to customers in the event of a claim are now under 2 years old. In addition Lloyd Latchford also make sure that this cover is unlimited for non-fault accidents and up to 30 days in the event of the incident being your fault, something some insurers still do not offer. Lloyd Latchford has also taken the lead when it comes to renewing policies. Many Instructors were frustrated that at the renewal of their policy their existing company would increase the premium for no reason at all. On obtaining a quotation from a competitor the renewal rate would invariably then drop. Lloyd Latchford aim to provide the same rate at renewal on their policies if no claims have been made. Rob says: “We strive to maintain the same rate each year for our instructors. We see this as a major benefit for our customers”. In summary the Lloyd Latchford Policy is good value for money, but retains all the benefits of a great policy. The idea behind the underwriting is that the company shares the success of the scheme, with the Instructors by maintaining premiums instead of raising premiums.In addition 2013 will see our market share increase with some totally unique deals for instructors not available anywhere else. The current Lloyd Latchford Driving Instructor Policy is only available through them, so whether it’s one vehicle or a fleet, get a quote today. Make it your New Year’s resolution not to settle for anything less!! WANT TO KNOW MORE? Call: 0800 0778227 Fax: 01844 274199 Visit the website: www.llschemes.co.uk Email: info@llschemes.co.uk THE INSTRUCTOR l www.ukdic.co.uk