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12 Months Job Loss Protection

WHAT IS IT?

FCA Automotive Services will guarantee a borrower that in the event of losing their job, through no fault of their own, or if they are off-work due to certified illness, the borrower’s scheduled car finance repayments will be Waived, i.e. paid by FCA AS on their behalf, until they return to work or up to 7 months of monthly instalments. This is applicable to all PCP, HP and PCH. New Vehicle Promotional products only.

“12 MONTHS JOB LOSS PROTECTION” IS:

Part of the loan and loan agreement – NOT a separate insurance product
Provided as part of our promo product range at no additional cost to the customer
Remains in place solely for the first year of the finance agreement, or ceases earlier if the borrower closes their finance agreement
Governed as part of CCA, and The Financial Conduct Authority’s Conduct of Business rules.

IMPORTANT:

Product not available in conjunction with the £500 Voucher Campaign and Leasys Miles
A dedicated section will be available in Genus to select this option
Please refer to the FCAAS/Leasys circular for full information

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Company Info

Pennine Way, Redbourn Road, Hemel Hempstead, United Kingdom, HP2 7AZ

Reg Office: PALMERS (Pennine Way) LIMITED Pennine Way Redbourn Road Hemel Hempstead Hertfordshire HP2 7AZ

Reg. Company Number: 03437233

VAT Reg. No. 804803253

FINANCIAL DISCLOSURE

Palmers (St Albans) Ltd trading as Palmers Cars 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 Palmers (St Albans) Ltd trading as Palmers Cars to act as a credit broker, not as 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 can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. 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 best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may 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, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

Registered in England & Wales: 03437233 Registered Office: Address: Pennine Way, Hertfordshire, HP2 7AZ, UNITED KINGDOM