About our Finance & Insurance Services

1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. Please use this information to decide if our services are right for you.

2. Whose products do we offer?

Harwoods Limited is a Credit Broker not a lender and can introduce you to a limited number of lenders and finance products to assist with your vehicle purchase. Occasionally, we may need to use the services of a credit broker - we will advise you of this if applicable. We are not an independent financial advisor and do not make recommendation, however, we will provide you with information on products which may suit your requirements based on information you disclose to assist you in making an informed decision on your purchase.

Our approach is to introduce you first to the relevant manufacturer supporting finance Company (Lender), finance is subject to status and credit check by the Lender. If that Lender is unable to make you a finance offer, we will forward your proposal to another of our supporting lenders who may be better able to support your funding requirement. Too many hard credit checks over a short period of time can affect your credit score and may reduce your ability to get approved for finance in the future. No more than 3 hard searches will be registered. If you are concerned about an affect to your credit score, please inform us. Please ask for a list of our funding partners.

We can offer you the following insurance products from the provider shown:

  • Harwoods Total Loss Cover (TLC) — AutoProtect (MBI) Limited Harwoods Minor Damage Insurance - AutoProtect (MBI) Limited

  • Tyre Insurance — AutoPrötect (MBI) Limited

  • Alloy Wheel Insurance - AutoProtect (MB!) Limited

  • Complete Wheel (Tyre and Alloy) Insurance — AutoProtect (MBI) Limited

  • Aston Martin Extended Warranty Premium and Classic — Car Care Plan Limited (only available at Harwoods Aston Martin)

  • Bentley New Car Extended Warranty and Extended Warranty — Car Care Plan Limited (only available at Harwoods Bentley)

  • McLaren Extended Warranty insurance and McLaren Assistance — Car Care Plan Limited (only available at Harwoods McLaren)

3. Which service will we provide you with?

We will provide you with information to assist with your funding decision on; Credit Agreements — Hire Purchase, Personal Contract Purchase, Conditional Sale, Lease Purchase, Personal Contract Hire and Business Contract Hire We will advise and make a recommendation for you after we have assessed your needs for: Regulated Insurance Products:

Harwoods Total Loss Cover (TLC) — AutoProtect (MBI) Ltd Harwoods Minor Damage insurance — AutoProtect (MBI) Ltd Complete Wheel (Tyre and Alloy) insurance — AutoProtect (MBI) Ltd Alloy Wheel insurance—AutoProtect (MB!) Ltd and Tyre Insurance—AutoProtect (MBI) Ltd Aston Martin Extended Warranty Premium and Classic — Car Care Plan Ltd Bentley New Car Extended Warranty and Extended Warranty — Car Care Plan Ltd McLaren Extended Warranty insurance and McLaren Assistance — Car Care Plan Ltd

Non — Regulated Products — Paint and Fabric Protection

4. What will you have to pay us for our Finance and or Insurance Services?

No fee.

You will receive a quotation which will tell you about the costs of each of the products and any other fees relating to any particular credit agreement or insurance policy.

Our Lenders pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model, product or amount you borrow. Different lenders may pay different commissions for such introductions. However, 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. You can ask us for further information.

We receive commission as a proportion of premium paid from our insurance provider if you decide to enter into an agreement with them.

5. Who regulates us?

Harwoods Limited trading as: Harwoods Group, Harwoods Land Rover Brighton, Harwoods Land Rover Croydon, Harwoods Land Rover Basingstoke, Harwoods Land Rover Pulborough, Harwoods Land Rover Edenbridge, Harwoods Land Rover Crawley, Harwoods Jaguar Brighton, Harwoods Jaguar Croydon, Harwoods Jaguar Crawley, Harwoods Jaguar Basingstoke, Harwoods Jaguar Chichester, Harwoods Bentley Sussex, Harwoods Bentley Hampshire, Harwoods McLaren New Forest, Harwoods Aston Martin Chichester, Harwoods Audi Crawley, Harwoods Audi Five Oaks, Harwoods Audi Southampton, Harwoods Audi Portsmouth, Harwoods Volvo Crawley and Harwoods Truck Centre are authorised and regulated by the Financial Conduct Authority for Consumer Credit activities, our Firm Reference Number (FRN) is 714708.

Harwoods Limited (trading names above) are an Appointed Representative of Autoprotect (MBI) Limited for the purpose of insurance distribution. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority Firm Reference number is 312143. Our FCA Permitted business is arranging general insurance and finance contracts. You can check this on the FCA Register by visiting website www.fca.org.uk.

6. What to do if you have a complaint

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

in writing Clare Freemantle, F&l Services Director, Harwoods Limited, London Road, Pulborough, West Sussex RH20 IAR by email [email protected]

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk

7. 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 for any insurance products you purchase.

This depends on the type of business and the circumstances of the claim. General Insurance advising and arranging is covered for 90% of the claim with no upper limit. Compulsory forms of insurance (e.g. Motor Insurance) are covered for 100% of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Please note - finance products are not covered by this scheme.

Harwoods Prestige Total Loss Cover Key Information Document

This information is provided to assist you in making an informed decision when purchasing Harwoods Prestige Total Loss Cover.

Please take time to read this information carefully.

In line with guidance from The Financial Conduct Authority, we would like to give you the time to consider whether you could benefit from this cover and therefore the dealership will not contact you regarding this facility over the next two days.

However, should you have any questions or feel you may be at risk and require cover imminently, due to the collection of your new car, please contact us directly and the cover can commence from tomorrow.


Imagine your vehicle is declared a write-off by your insurer due to an accident, flood, fire or theft.

Now imagine discovering that your insurance company settlement will not match the original price you paid for your vehicle.

This is a scenario faced by motorists every day. Even if you are not liable, you are almost certain to find a shortfall between the amount you receive in settlement and the price you originally paid. This shortfall could be a significant sum depending on the market value offered by your insurer at the time of the total loss.

Who will protect you against this financial loss?

For peace of mind and for the protection your vehicle needs, consider the cover Harwoods Prestige Total Loss Cover can offer.

Harwoods Prestige Total Loss Cover is an OPTIONAL facility available from this dealership. Our sales consultants will be happy to answer your questions or clarify the policy benefits and exclusions. You should be aware that similar products may be available elsewhere to purchase directly. However, as with any insurance policy, you should confirm that the cover levels of alternative facilities are suitable for your needs.

Due to Financial Conduct Authority regulations you are unable to purchase this facility until one day has passed, following receipt of the information outlined in this document. We will contact you on the 4th day to discuss the facility further, however, should you require more immediate cover, you have the right to conclude purchase on day 2 or day 3 by contacting your Sales Consultant.


Harwoods Prestige Total Loss Cover incorporates Return to Invoice cover (or RT l) and Finance Guaranteed Asset Protection (or Finance GAP).

RTl is designed to pay-out any difference between the settlement made by your motor insurance company and the price you originally paid for the vehicle.

If your vehicle is written off, Finance GAP pays the difference between the settlement made by your motor insurance company and the amount you still owe on your finance agreement.

Harwoods Prestige Total Loss Cover covers you however you paid for the vehicle and will pay-out the greater of the Finance GAP or RTl amount, up to the purchase price of the vehicle. However, there are specific exclusions (please see below).


Policy duration

Cover is available for varying durations, depending on your requirements and according to the terms of your finance agreement. Cover ends earlier in the event of a paid claim or if the vehicle is no longer in your possession.


Provides a contribution of up to É750 towards your insurance policy excess.

Claim Limit

Please refer to the attached price matrix.

Vehicle accessories covered

As long as accessories are fitted by the dealer and are manufacturer approved, we will cover up to E 1500 of extras. Manufacturer fitted accessories are covered.

Warranty and Road Fund licence

Includes the cost of a vehicle warranty and makes a contribution of up to EIOO towards road fund licence costs.


If during the first year of cover, the vehicle is written off and you get a replacement vehicle on a "new for old" basis, you can transfer the remaining duration of the policy to your replacement vehicle free of charge. You may then subsequently, at any time, transfer any remaining period of insurance on the policy due to a further change of vehicle, on payment of an administration fee of E35, as long as the replacement vehicle falls within the price range specified in your policy schedule.


If, for any reason, you wish to cancel your policy and you do so within 30 days, and no claim has been registered with AutoProtect during this time, we'll give you a full refund. After that, you may still cancel at any point, subject to a E35 administration fee. You will receive a pro-rata refund which will reflect the length of the term remaining.

Simple to arrange

Your sales consultant will be happy to answer any questions you may have and confirm your eligibility for Harwoods Prestige Total Loss Cover.

IMPORTANT: Harwoods Prestige Total Loss Cover insurance is subject to terms and conditions. You should note that there are certain limitations in terms of the maximum amount you may claim.

SIGNIFICANT EXCLUSIONS (What is not covered?)

As with all insurance policies there are some circumstances for which Harwoods Prestige Total Loss Cover will unfortunately not cover you.


You must have in place a fully comprehensive motor insurance policy issued by an authorised UK motor insurer which insures against accidental loss and or damage to the vehicle throughout the period of insurance.

In the event your motor insurer rejects your claim and a settlement payment is not made you will not be covered by this policy.

Vehicle Exclusions

We are unable to cover all vehicle types. You will be excluded from the benefits of this policy if:

  • The vehicle has been modified in any way from the manufacturer's specification.

  • The vehicle is used for hire or reward, i.e. taxis or courier vehicles. Alternative products may be available from your supplying dealership that can provide cover for these vehicles. Please ask your supplying dealership for further information.

  • The vehicle will be used for a competitive event.

  • The vehicle is heavier than 3500kg gross weight.

  • The vehicle is listed in the specifically excluded list; some prestige vehicles and sports cars are excluded:

  • Including, but not limited to: Bristol, Cosworth, De Tomaso, Lamborghini, Maserati and kit cars.

  • Any total loss due to your negligence or deliberate action.

  • Any total loss as a result of an accident where the driver of the vehicle is under the influence of alcohol, drugs not prescribed by a registered medical practitioner, or drugs prescribed by a registered medical practitioner where a warning against driving has been given.

Additional costs

Additional costs within the finance settlement for anything other than the purchase of the vehicle. This includes but is not limited to; administration charges, option to purchase charges, late payment charges and arrears, early settlement charges.

Negative Equity

Which means any sum outstanding from a previous finance agreement, transferred to the new vehicle finance agreement.


Any recoverable Value Added Tax (VAT) where you are VAT registered.

For full benefits and exclusions, please refer to sections titled 'What is covered?' and 'What is not covered?' of the policy terms and conditions which will be provided on request or before conclusion.

  • Warranty

    Expert cover, with no hidden costs, to provide you with added protection, whenever you need it.

  • Trusted Quality

    Every car has been checked and approved by us, following a 120+ point inspection.

  • Nationwide Delivery

    Buy today, drive tomorrow. We offer a nationwide delivery service and offer complimentary delivery for the first 30 miles.

  • Tailored Service

    Here to help, advise, support, and answer your questions, whenever you need us.