Insurance

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In addition, by having a small number of the UK's largest car insurance companies on our panel, we give them the greatest chance of winning your business. This means that they are able to support us with highly competitive rates and the most comprehensive cover.

What if I wish to cancel the insurance before the end of the agreed term?

If you sell your car, or it's written off during the contract term, on most occasions, we'll be happy to cancel your policy and the monthly direct debit without charge. Some insurers may charge you for cancelling your policy if there has been a fault claim resulting in the car being written off.

Why don't you ask for proof of no claims bonus?

Our car insurance policies are net rated which means that we give everybody who meet our criteria the discount equivalent to our maximum bonus. If you already have a maximum bonus then you can keep it to use on another car.

Am I being charged to pay by direct debit?

Although your credit agreement shows a charge, we have reduced your premium by the equivalent amount to take this into account, effectively giving you interest-free instalments!

I already have car insurance, can I cancel it and use yours?

Yes, we are happy to provide cover.

What if I have more than one fault claim on the policy?

We allow you to have one fault claim on the policy within the first 24 month period. If you have more than one fault claim we'll reduce your discount as follows:

• 1 fault claim - No change
• 2 fault claims - Discount reduced from 65% to 40%
• 3 fault claims - Zero discount

Please note that in all instances your premium will not be affected until the next renewal date. the policy is issued on a 12 month insurance basis. For more information call Lloyd Latchford on 01844 275555 or email info@lloydlatchford.co.uk.