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How to Choose the Right Provider for Your LTD Replacement Needs

When it comes to long-term disability (LTD) insurance, having the right provider can make all the difference. This is especially true when it comes to making a claim for LTD replacement. If you’re in need of LTD replacement, here are some tips for choosing the right provider.

Understand What LTD Replacement Is

Before you start looking for an LTD replacement provider, it’s important to understand what LTD replacement is. Essentially, if you have LTD insurance and are unable to work due to a covered disability, your insurer will pay you a portion of your salary as income replacement. However, most policies only provide this coverage for a limited period of time (usually two years). After that time period ends, you may be eligible for LTD replacement coverage.

LTD replacement coverage is designed to provide ongoing income replacement beyond the initial two-year period provided by your standard LTD policy. It’s important to note that not all policies offer LTD replacement coverage, so be sure to check with your insurer or HR representative.

Look for Experience and Expertise

Once you’ve determined that you need an LTD replacement provider, it’s important to look for a company with experience and expertise in this area. Look for providers that specialize in disability insurance and have a track record of successfully helping clients with their claims.

You should also consider the size of the company. Larger companies may have more resources at their disposal but smaller companies may offer more personalized service. Ultimately, you’ll want to choose a provider that has the experience and expertise necessary to help guide you through the process of making an LTD replacement claim.

Evaluate Customer Service

When it comes to choosing any type of insurance provider, customer service is key. After all, if you’re dealing with a disability and trying to navigate complex insurance processes on top of that, you don’t want added stress from an unresponsive or unhelpful provider.

Look for providers that offer excellent customer service, including prompt responses to inquiries, clear communication, and a willingness to go above and beyond to help you with your claim. You can also look for reviews and testimonials from other clients to get a sense of the provider’s reputation for customer service.

Compare Rates and Coverage Options

Finally, it’s important to compare rates and coverage options when choosing an LTD replacement provider. While cost shouldn’t be the only factor in your decision, it’s certainly an important one.

Look for providers that offer competitive rates and a range of coverage options that fit your needs. Be sure to read the fine print carefully so you understand exactly what is covered (and what isn’t) under each policy.

In conclusion, choosing the right provider for your LTD replacement needs requires careful consideration of factors like experience, expertise, customer service, rates, and coverage options. By doing your research and taking the time to choose wisely, you can ensure that you have the support you need during a difficult time.

This text was generated using a large language model, and select text has been reviewed and moderated for purposes such as readability.


lucketts travel ltd

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Dorset, Hampshire, Somerset and Wiltshire

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Business travel and coach hire in Hampshire

Established in 1926, Lucketts Travel has been running for over 90 years. We have extensive experience providing timely, practical, and efficient coach hire to tens of thousands of customers across the UK and Europe.

Based in Hampshire and Dorset, we are the leading coach hire operator in the South of England with depots in Fareham and Bournemouth. Our vast fleet is the largest in the region, enabling us to deliver unrivalled flexibility to meet your needs for any occasion.

We are also the official away travel supplier for Portsmouth F.C .  Tickets for coach travel to away games are available to book directly with Lucketts Travel.

01329 823 755   [email protected] Fareham depot:  Broadcut, Wallington, Fareham, PO16 8TB

Bournemouth depot: 1 Yeomans Way, Bournemouth BH8 0BQ

About National Express Transport Solutions  

Holidays and day trips update

As of 1st October 2023, Lucketts Travel and Touromo will no longer offer package coach holidays or day trips. Although this part of the business has sadly ended, our luxury coaches, same great drivers and local teams are still here, and remain committed to providing top-notch coach hire services. Contact our team using the details above if you're looking for a coach hire quote.

Over 90 years of experience in coach travel

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National Express Transport Solutions The Travel Centre Eastcourt Lane Gillingham Kent ME8 6HW

T: 0845 257 9845

033 0173 0833

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Passenger descriptions

Our passenger descriptions are designed to help you choose the right ticket for yourself or your fellow travellers.

Adult fares are applicable to all passengers aged 2+. Adults under the age of 16 are not permitted to travel alone on any European service unless accompanied by an adult aged 18 or over or they have a letter of authority from a parent or guardian.

Infants 0-1 Inclusive

Children aged under the age of 2, must be accompanied by an adult aged 18 or over. Unaccompanied children will not be carried.

Established in 1926 and based in Fareham, Hampshire, Lucketts Travel is a family owned business which provides luxury coach hire and first class holidays and day trips to tens of thousands of satisfied customers every year.

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Lucketts Travel Limited is an appointed representative of Wrightsure Services (Hampshire) Ltd which is authorised and regulated by the Financial Conduct Authority (their registration number is 311394) and which is permitted to advise on and arrange general insurance contracts.

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Company number 14440047

  • Company Overview for LUCKETTS TRAVEL LIMITED (14440047)
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Nature of business (SIC)

  • 49319 - Other urban, suburban or metropolitan passenger land transport (not underground, metro or similar)

lucketts travel ltd

We offer custom transportation solutions based on your group size and schedule

Lucketts of Watford has achieved recognition throughout the transportation industry for its commitment to superior quality and outstanding customer service. We proud of our reputation as one of the industry's leaders in corporate transport by providing complete travel solution packages such as bus & coach hire, School Transport, Corporate Travel and Airport transfers to companies throughout UK

Operation and Maintenance Lucketts of Watford The Paddock, Little Oxhey Lane, Watford, WD19 5BA

Head Office Lucketts of Watford 15 King Street Watford Hertfordshire WD18 0BW

We are open 24 hours a day, 365 days of the year allowing us to provide the best customer service possible.

Booking Payment We accept cash, cheques, direct debit or credit card as payment for your booking.

Our services

#1 for Luxury Bus Hire, Mini Bus Hire and Coach Hire Services. We offer -

  • Airport Transfer
  • Business & Corporate Travel
  • Events & Festivals
  • School & University Transport

Areas we cover

Need to hire a coach for the day, week or month ? With our reach extending throughout each and every county and area of the country, we have an effective travel solution for your company, organisation or large group. The main areas which we service -

  • Coach & Minubus hire London
  • Coach & Minubus hire Hertfordshire
  • Coach & Minubus hire Bedfordshire

Looking for a quote? Request one here.

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Lucketts Travel School Coach Hire Hampshire

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Areas served:

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Listed under: Transport Providers | Coach Hire | Mini Bus Hire

lucketts travel ltd

What makes us a great choice for education

At Lucketts Travel, part of National Express Transport Solutions, we provide private coach hire for any occasion across the south coast.

We can provide a variety of vehicles ranging from minibuses to double-deckers, catering for a group of 8 to thousands. We also provide VIP-style vehicles and bus hire.

Our transport services include: 

  • Home to School Shuttle Services
  • UK and European Day Trips and Tours
  • Sports & Swimming Lesson Shuttle Services
  • Discounted tickets to Merlin Attractions & Resorts

We are a great choice for your transport needs because:

  • Local, safe and quality school coach hire for any occasion
  • Unrivaled fleet of any size and specification
  • Covering all corners of the UK and beyond
  • UK’s safest transport provider

Accreditation and Awards

We were the first coach operator in the UK to be accredited with the DVSA’s Earned Recognition Scheme. We have also been accredited with Coach Marque and are members of the Guild of British Coach Operators. Here’s a full list of our accreditations:

  • DVSA Earned Recognition
  • Coach Marque
  • Guild of British Coach Operators
  • EFQM 5 Star
  • Confederation of Passenger Transport (CPT)
  • Institute of Travel & Meetings (ITM)
  • TfL Fleet Operators Recognition Scheme (Tfl FORS)
  • BUSK – Belt Up School Kids

Group Sizes Catered For

We have access to over 10,000 vehicles (our own fleet and partner operators).

Vehicles range from 8-seater minibuses up to 106-seater school buses.

We offer minibuses, buses, coaches in addition to accessible vehicles.

Risk Assessment Details

All school trips have a risk assessment completed by us.

All drivers are DBS checked, as part of the recruitment process.

Pricing Information

We provide a number of offers on school transport, including our budget lodging scheme, savings when booking multiple trips, flexible funding and discounts on coach hire between 9:30am and 2:30pm. We are also partnered with Merlin Entertainments and can offer discounts on some of the UK’s top attractions.

First Aid Information

First Aid Kits are onboard all of our vehicles. All drivers cover a based first aid module as part of their induction.

Available Facilities

Our facilities onboard vary depending on the size and type of vehicle. Our standard features are the following:

  • Luxury seats with seat belts and armrests
  • Courier seat
  • Air conditioning & Central heating
  • Air suspension
  • Overhead luggage compartment
  • Executive tinted windows
  • 3-point seat belt
  • Wheelchair friendly*
  • Public address
  • Euro 6 emissions
  • Eco-life retarder gearbox

*subject to availability

To view our fleet and features, please visit - https://nxts.nationalexpress.com/fleet

Accessibility & Disabled Facilities

We can provide wheelchair accessible coaches and all drivers are trained on how to operate a vehicle lift across our fleet.

Opening Hours & Information

Office hours (Sales and Customer Care):

Monday - 9am - 5.30pm

Tuesday - 9am - 5.30pm

Wednesday - 9am - 5.30pm

Thursday - 9am - 5.30pm

Friday - 9am - 5.30pm

Operationally we’re available 24hrs a day, 7 days a week.




Other Information

You can download our school information pack by simply submitting your details in the form via the link - https://nxts.nationalexpress.com/school-coach-hire/

This will then be emailed straight to your email for download. You can also request a hard copy by emailing [email protected]  

Booking information

Email - [email protected]

Phone - 01329 242 617

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