Finance & Contract Hire

Policy Information and Terms & Conditions.

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Policy Terms & Conditions


Insurance Product Information


Initial Disclosure Document


You can open, download or print the policy Insurance Product Information Document (IPID) and Terms and Conditions booklet by clicking on the pdf document icon above. Our Initial Disclosure Document is also available to view.

Significant Exclusions

This policy does not cover….

1. Vehicles that are used for Hire & Reward (taxi, courier, chauffeur, mini cab), professional driving tuition or emergency vehicles (unless this has been declared and an additional premium has been paid),

2. Advance rentals are not covered – unless an additional supplement has been paid (cover available for 3, 6 and 9 months advance rentals – please call for further details),

3. If your claim is declined or deemed not to be write off by your motor insurer,

4. Arrears or charges relating to arrears on your agreement,

5. Negative equity carried forward from a previous finance agreement is not covered by this policy,

6. The VAT element of any claim if it has been recovered as any part of a VAT return to you or your business (business customers only),

7. Vehicles not listed in Glasses Guide,

8. The cost of fuel originally charged by your dealer,

9. Any write-off claim where the insured driver of your vehicle was illegally under the influence of alcohol or recreational drugs,

10. Claims which arise from theft, where your vehicle was left unattended and unsecured,

11. This policy is not transferable or renewable and cannot be extended on expiry.

12. The insurer charges a £20 cancellation fee (beyond the initial 30-day cooling off period), except where a new policy is purchased in which case no fee is charged.

It's important to know..

1. Policies must be purchased within 180 days of financing/leasing your vehicle,

2. Policies are available for 1 to 5 year periods of cover and cannot be extended or renewed when they expire - so please consider the period of cover carefully,

3. This form of Gap Insurance cannot be transferred to another person or another vehicle.

The above list is not exhaustive. Please refer to the policy Terms and Conditions document for more details on policy limitations and exclusions. If you have any questions regarding the policies we offer, please feel free to contact us. We offer many ways to reach us, click here to contact us.

* The policy Terms & Conditions and Key Facts/IPID featured apply to policies purchased from 1st October 2018. For terms and features on policies purchased before the 1st October 2018 please refer to your original policy documents issued.