WHAT IS FIXED TERM INSURANCE?
Fixed Term Insurance is a Fully Comprehensive Car Insurance solution designed to protect and reward the motorist. Not only is the pricing competitive but our cover has many benefits that are not available through traditional insurance products.
UNIQUELY FIX YOUR PREMIUM FOR UP TO 3 YEARS
Fix your premium for the life time ownership of your car or the period of your finance/lease agreement up to a period of 3 years. Car insurance costs are on the increase, even for claim free drivers, so the opportunity to fix your premium has never been more desirable. If you dispose of your vehicle during the contract term then we can simply switch the insurance over to your new car and amend the premium (if applicable) or simply cancel your monthly agreement. It couldn’t be easier to save and budget on your insurance.
NO REGISTERED KEEPER RESTRICTIONS
If you have chosen to finance your vehicle, we accept the following finance contract types as part of our normal terms: Contract Hire, Finance Lease, Private Contract Hire (PCH), Personal contract Purchase (PCP), Lease Purchase and any other form of finance agreement where you are not the owner of the car or you have joint ownership
PLEASE NOTE - The majority of direct underwriters and insurance companies do not accept a risk unless you are the sole owner and registered keeper
BUSINESS USE COVER
We automatically provide business use to all of our policyholders
PROTECTED PREMIUM
Even in the event of you having a fault claim the premium will remain the same until the end of the contract.
NEW CAR REPLACEMENT IN YEAR 1
All of our Insurance partners will replace your car with a brand new one in the event of your car being written off. This is providing your car is under 1 year old from date of registration when new and you are the first registered keeper
PLEASE NOTE - If you have leased your car and you are not the owner and/or registered keeper almost all insurance companies remove the new car ruling. As a result we recommend that you consider GAP Insurance to cover any financial shortfall. If you have not been offered GAP Insurance then please do not hesitate to contact us for advice.
GUARANTEED COURTESY CAR
Providing you use our insurance partners nationwide approved repair service they will guarantee to provide you with a Grade ‘A’ courtesy car
PLEASE NOTE - Grade 'A' courtesy car is typically a new small hatch i.e. Vauxhall Corsa, Peugeot 207
LEGAL COVER & UPGRADED COURTESY CAR
If you have the misfortune of having an accident then our optional Legal Cover will protect you. For just £1.67 a month extra you will have access to an upgraded courtesy car of the same or similar standard to your own car. So if you drive an Automatic Fiesta or a Ferrari we have the ability to get you back on the road and normally within 24 hours. Additionally, you will have legal cover to enable us to take the other party to court and claim back your uninsured costs such as Loss of Earnings whilst off work, Personal effects damaged in the accident or a personal injury claim
PLEASE NOTE - Upgraded courtesy car and legal cover will only apply in the event that we can hold the other person responsible.
FULL FREE EUROPEAN COVER UP TO 60 DAYS FOR ANY ONE TRIP
In the event of you taking your car to Europe we will automatically extend your Fully Comprehensive policy to cover you, even if you forget to call. We will also give you up to 60 days cover for any one trip. Please make sure you read the policy wording for full terms and conditions
FREE WINDSCREEN REPAIR + AT HOME/WORK REPLACEMENT
Our excess is as low as £50.00 if you have the misfortune of needing your windscreen to be replaced. As well, all of our windscreen partners will come to your home or place of work at your convenience to carry out the work. In the event of the windscreen being repairable all of our insurance partners will repair your screen FREE OF CHARGE
SIMPLE MONTHLY DIRECT DEBIT
Hassle free monthly payments throughout the life time of the policy. The price you are quoted online is the price you will pay including all charges and broker fees that are applicable.
© Lloyd Latchford Schemes Limited. Lloyd Latchford Schemes Limited holds your details in accordance with the Data Protection Act 1998. Authorised and regulated by the Financial Services Authority. FSA registration number- 457400. For full terms and conditions please click here
