1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

2. Whose products we offer

We offer products for:

Mechanical Breakdown, Tyre and Alloy wheel insurance and SMART and Dent Insurance.

Insurer(s)/administrator: Assurant (Formerly known as TWG Services Ltd).

3. What service we will provide you with

We are a credit broker not a lender; we will, as required, assess your needs, and introduce you to a limited number of finance providers who offer a limited range of finance products. We are not an independent financial advisor. We will arrange a soft search of your credit file. The soft search will provide us with a credit score that will determine the interest rate and lender that we will use for your finance application. The soft search will show on your credit file but not be visible to other lenders and it will not affect their lending decisions. The soft search does not confirm that you will get finance.

Any lenders we use will conduct a full credit search to decide if they can offer you the finance. This search will show on your credit file and will be seen by other lenders. If the first lender is not able to offer you finance, we will try our other lenders, each of which may record a search on your credit file.

• Black Horse Finance – privacy notice link: https://www.blackhorse.co.uk/privacy

• Santander Consumer Finance – privacy notice link: https://www.santanderconsumer.co.uk/your-data/privacy-policy/

• Startline Motor Finance – privacy notice link: https://startlinemotorfinance.com/fpn

• Evolution Funding (Broker) – privacy notice link: https://web.evolutionfunding.com/privacy-notice/

We will also, on a non-advised basis, give you all the information necessary to allow you to make an informed decision in relation to the purchase of: Mechanical Breakdown Insurance, Tyre and Alloy Wheel Insurance and SMART & Dent Insurance.

4. What will you have to pay us for our services?

No fee is charged for our services. However, we receive commission at different rates as a fixed percentage of the amount you borrow for introducing you to a lender for finance. The commission that we receive does not affect the amount that you pay to the lender under the credit agreement. For insurance products, we can be paid commission from insurers, which is a percentage of the annual premium.

5. Commission disclosure

You are entitled at any time to request information regarding any commission that we may have received. You can do this by contacting us by telephone, email, post or in person at one of our showrooms.

6. Who regulates us?

Available Car Limited, Station Road, Castle Donington, Derby DE74 2NL are authorised and regulated by the Financial Conduct Authority (Firm reference number 309871) for the purpose of insurance mediation and consumer credit activities. Available Car Limited are a credit broker and not a lender. You can check this on the FCA’s register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 1116768.

7. Client money

We act as agents for the insurer for the collection of premiums and payment of refunds of premiums. This means that premiums are treated as being received by the insurer when received in our bank account and that any premium refund is treated as received by you when it is actually paid over to you.

8. What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing: Available Car Limited, Station Road, Castle Donington, Derby DE74 2NL

By phone: 01332 817222

By email: [email protected]

If we cannot satisfy your complaint, you may be entitled to refer it to the Financial Ombudsman Service, and we will provide you with information about their service.

For more information, visit www.financial-ombudsman.org.uk.

A full version of our complaints handling procedures is available on request.

9. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

IMPORTANT INFORMATION

General Data Protection Regulation 25 May 2018

Available Car Limited Privacy Policy

In order to give our customers, the best possible buying experience, we will need to gather certain information. The way in which we use this information may mean that it is necessary for us to share some of your personal data. However, we only share your information where it is lawful for us to do so or where we have your consent. Likewise, if you wish to apply for credit/finance, we will share your information with our preferred finance providers listed in this sheet with your consent.

All our preferred providers of finance and insurance have their own defined privacy policy, and this will be provided to you before the conclusion of the sale/contract. Copies of these policies are available prior to the sale if you wish. Please ask one of our staff.

A full AvailableCar Privacy statement is available to view on-line at availablecar.com/privacy-policy. Alternatively, you may wish to have a paper copy, or an email version can be sent to you before you proceed.

For more information and guidance, the Information Commission Office (ICO) is the supervisory body for the UK that enforces the data protection laws. Its website is www.ico.org.uk.