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Sandicliffe
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What Is GAP Insurance?

December 12, 2014
What Is GAP Insurance?
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At Sandicliffe, we believe in Treating Customers Fairly. Sandicliffe is a trading name of Sandicliffe Ltd. Registered in England and Wales No with company registration number 03193805. Registered office: 155-185 Derby Road, Loughborough, England, LE11 5HN. To improve our quality, calls may be recorded for training and monitoring purposes.

'Used Car Disclaimer'
Some of our vehicles have been sourced from Manufacturer buy back schemes or selected Fleets. As a result whilst we can confirm the number of registered keepers we cannot confirm how many drivers a vehicle has had. We can confirm that the vehicle has passed a comprehensive AA Approved check carried out by a manufacturer approved technician and has a full HPI Provenance check meaning we can guarantee its lifetime history.

Sandicliffe subscribes to the Motor Industry Code of Practice for Service and Repair (and Vehicles Sales where applicable) for motor vehicles.

Sandicliffe Garages Ltd and Sandicliffe Ltd is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Sandicliffe Garages Ltd and Sandicliffe Ltd to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only.

We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase. Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement. All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.