In a competitive insurance market you need to be sure you are getting the cover you need.

Price is always an important consideration when making your decision but it shouldn't be the only one. After all, you only really know if you are getting value for money when you claim and by then it's too late. You'll find that whilst our premiums are excellent, so are our benefits and they're being reviewed and improved on a regular basis.

When it comes to household insurance we guarantee to beat any renewal quotes by at least 15%*, subject of course to normal underwriting criteria on things like subsidence and flooding. Requesting a quote costs nothing, so you can't lose. Plus if you buy our policy you can pay for it monthly with a free instalment plan.

And service levels are critical to us. That's why we have our own dedicated LTU Insurance unit in Wakefield. Managed by Heath Lambert, one of the world's leading insurance brokers, it deals with everything from your initial telephone call, to ongoing administration and claims. And importantly, it serves only LTU's members.

If you'd like more information call LTU Insurance now on 01234 262868 or email us at 24hours@ltu.co.uk. We'll get back to you without delay.

*The guarantee is subject to normal underwriting criteria on flood, subsidence etc. Minimum premium applies.