ADVERTORIAL: NOVASTRIS Is your financial security at risk? novastris helps self-employed driving instructors ensure an accident doesn’t put their home and family at risk. With most driving instructors self-employed, we wanted to address this problem by giving instructors access to a Personal Accident insurance policy that they can buy online instantly. And because it offers cover for driving instructors with no need for referral it means they can obtain invaluable financial protection and support should they be unable to work for a period of time, due to accident or injury. Or, should the worst happen, their family are financially supported in the case of Accidental Death. The cost of a policy for a 28 year old selfemployed driving instructor would start at £2.44 per month, providing Accidental Death cover with a tax free cash lump sum payment of £10,000.** Optional extra benefits include: • A tax free lump sum if you are permanently totally disabled • A weekly cash benefit if you are temporarily disabled • Cover for home alterations to increase accessibility • Funeral expenses • Cover for dependants in the event of the insured’s injury or death • Bereavement package to support immediate family members by covering the cost of counselling sessions “Our goal is to give driving instructors financial protection that is easily accessible for themselves and their families at very little cost,” concluded Steve Nickerson. “novastris Personal Accident cover can be purchased online in a matter of minutes with only the highest risk professions requiring a referral.” *Source: https://www.gov.uk/government/publications/driver-and-ridertests-and-instructor-statistics-quarter-3-2012-13 28 February 2013 ** Quote correct as of 11th March 2013 DRIVING instructors are currently facing mounting pressures in their profession. The escalating cost of motoring, combined with the introduction of the new tougher test, has resulted in a 1.4% drop in the number of driving tests taken from 2011 to 2012, according to the Department of Transport.* And the rising cost of car insurance is also making money tighter for instructors. With many driving instructors being selfemployed it’s clear that an unexpected loss of earning due to accident or death could have a catastrophic effect on family finances. Yet in spite of these pressures, many driving instructors do not take out Personal Accident insurance. novastris, the innovative new insurance provider, investigated why. Steve Nickerson, Director, novastris said: “It’s not just work-related accidents that can threaten a driving instructor’s livelihood. An accident at home or even while playing football on a Sunday morning can stop a self-employed worker earning. And that could have serious consequences for their family. Our research shows that driving instructors find it difficult to access an insurance policy online that will give them immediate protection. If they do find a suitable service, because of the ‘high risk’ associated with their job they may need to be ‘referred’, making it harder for them to purchase insurance. Sometimes it gets forgotten or left – which might be too late! THE INSTRUCTOR l Want to know more? Contact us! Visit our website: www.novastris.com Or call us on: 020 3640 6801 www.ukdic.co.uk