In
addition to all our services we can provide you with
extra value products for complete motoring peace of
mind.
PAYMENT
PROTECTION
GAP INSURANCE
MECHANICAL BREAKDOWN INSURANCE
Payment Protection
Buying a car is a very
exciting experience and financing your car is a sensible
way to spread the cost. It is worth remembering that
you'll be increasing your monthly financial commitments
and sometimes life can take an unexpected turn. If you
had an accident, fell ill or lost your job, your monthly
repayments would be the last thing you want to worry
about. We can offer a range of Payment Protection Plans
to protect your monthly payments. You can choose your
own level of cover ranging from protection against losing
your keys to full cover from all of life's mishaps.
It is a sad fact that 1 in 3 men and 1 in 4 women die
from heart disease in the UK. Unfortunately, if you
die your dependants are responsible for meeting your
payments. With life cover the cost of monthly payments,
including the final payment is covered.*
Did you know that 90% of those claiming sickness or
invalidity benefits do not return to work for at least
6 months. With Accident and Sickness cover monthly payments
are made for up to 6 months after you fall ill.*
Nearly 700 people are made redundant every day in the
UK. With involuntary unemployment cover you can have
your monhtly payments coverd for up to 12 months.*
Obviously, there are exclusions to all policies, check
with your sales person who will be happy to tailor a
Protection Plan to your needs.
* terms and conditions apply.
GAP Insurance
Did you know that if
your newly purchased car was written off, your Insurer
would only pay the current market value and not what
you paid for it? If you wanted to replace your car,
you would have to find the difference. Or if you had
taken out a finance agreement to spread the cost of
paying for your car, then you could find that the amount
you receive frrom your insurer does not cover the remainder
of your credit agreement. In either event you could
be out of pocket. And that's where Guaranteed Asset
Protection can help. There are two different types of
cover: Invoice Price Protection and Finance Shortfall.
Invoice Price Protection, will return you to the position
you were in when you first purchased the car, if your
car is written off. This type of GAP will pay the difference
between the amount paid out by your insurer and the
amount of your original invoice price, up to £15000.
Cover is available for up to 3 years. If the car was
paid for with a finance agreement and this was still
outstanding the outstanding amount wuold be paid directly
to the finance company and the surplus returned to you.
This would leave you free to purchase amother car without
the worry of any outstanding credit agreements. Finance
Repayment Cover will protect your finance agreement,
up to 60 months, if your car is written off through
theft, fire or accident. This type of GAP will cover
the difference between the amount paid out by your insurer
and the mount still outstanding on your cerdit agreement,
up to £5000. Again, this would leave you free
to choose another car without the worry of an unpaid
credit agreement.
GAP is available to anyone over 18, living in the UK,
with fully comprehensive insurance. Invoice Price Protection
is available to anyone whether they have a credit agreement
or not. Finance Repayment GAP is only available to those
with a finance agreement. Obviously there are exclusions,
for example no payment would be made if the vehicle
was being used as a delivery, hire or goods vehicle
or if it has been used in road racing. No payments will
be made if the vehicle has been modified,if the total
loss is caused by the driver being intoxicated, unlicensed
or under the influence of drugs; if no payment is made
by the insurance company, if the total loss occured
outside the UK or if the car was driven outside the
UK for more than 30 days in a year. No payment will
be made on any arrears relating to the finance agreement
or any excess or unpaid premiums to the insurance company
or on any dealer fitted options, or extras, any any
amount relating to a finance agreement on any other
car with may have been conoslidated.
GAP is quick and easy to arrange and can either be paid
in one payment or spread throughout the coursee of your
finance agreement.
MECHANICAL
BREAKDOWN INSURANCE
Maintaining your car can be a costly business and there
can be sudden and completely unforseen failure of any
of its components. That's why we cover our vehicles
with a warranty or mechanical breakdown insurance. You
can choose to extend the one you receive or buy a new
policy if your old one has run out. A Mechanical Breakdown
Insurance is just another of products designed to give
you complete peace of mind and trouble free motoring.
If you keep to the conditions of the warranty, the company
will cover against mechanical or electrical breakdown.
You are not covered for external oil leaks, lubricants,
filter elements and any damage caused by frost or lack
of anti freeze, impact, accident or negligence.
If you have kept up the condiitons of your warranty,
the warranty company will cover against mechanical or
electrical breakdown (depending on the definitions,
exclusions and conditions contained within the warranty
booklet and maximum claim limit)
For Further Information Please Contact
Our Sales Team
Tel: 01294 555400
Fax: 01294 555404
e-mail: ABoucher
