About Our Finance & Insurance Services

Our Firm's Regulated Status:

The following companies are authorised and regulated by the Financial Conduct Authority (FCA) with a Limited Permission for credit broking. These companies are registered on the Financial Services Register under the Firm Registration Numbers (FRN) stated below.

The above companies are also Appointed Representatives of Sytner Group Limited, which is authorised and regulated by the FCA for Insurance Distribution activities under FRN 310540, with the exception of Rybrook Cars Limited and Rybrook Limited who are Appointed Representatives of South Quays Limited under FRN 528881.

You can check the above information on the FCA Register by visiting the FCA’s website at https://register.fca.org.uk or by contacting the FCA contact centre on 0800 1116768 (freephone) or 0300 500 8082.

The Financial Conduct Authority is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you. Should you require further support to assist you in understanding our products and services please let us know. All finance and insurance products are optional.

Insurance Products:

We offer the following insurance products from sole providers. We do not provide a whole of the market analysis for any of these products.

We operate on a non-advised sale basis, therefore, no advice or recommendation will be provided on the insurance products listed below.

The insurance products available are:-

• Manufacturer Extended Warranty - *See Note

• Short Term/Annual Motor Insurance - *See Note

*Not all of the manufacturer partners we work with provide these insurances. Details of insurance providers are available upon request.

With regards to Manufacturer Extended Warranty (where available), we will complete an insurance suitability assessment on the basis of information provided by you (the customer). This is referred to as the statement of demands and needs and is designed to help you make an informed decision about the insurance. We will receive commission from the Insurer which is a percentage of the total premium paid.

With regards to short term motor insurance (and where applicable), we are an introducer only. This means we can only introduce you to the provider and you should discuss your needs and eligibility directly with them. We do not receive any commission for this initial introduction. In the event you purchase an annual policy direct from the Insurer, they may pay us a commission (either a flat fee or a percentage of the annual insurance premium) as a result of the initial introduction.

Finance Products

We are a credit broker and not a lender. We are not an independent financial advisor and we act in our own interests in respect of arranging finance. We do not source the whole market and can only provide you with limited options when introducing you to the lenders we work with. No advice or recommendations will be made and you must decide whether the finance product you choose is right for you.

We operate with two lenders, a preferred lender and a secondary lender, both of whom we have a pre-existing relationship with. Once we determine that our preferred lender can provide suitable products to assist you with your vehicle purchase, we will introduce you to that lender. If that lender refuses to grant credit, then we can propose it to our second provider. In the event both lenders choose not to provide credit, we will refer you to a broker with whom we have a pre-existing relationship with to attempt to source credit for you. Note however, the available terms from this broker may well be inferior to the two lenders we initially introduced you to.

Fees and Commission Arrangements (finance products)

We do not charge you a fee for an introduction to the lender but we will receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing.

For regulated agreements under the Consumer Credit Act 1974, prior to entering into your credit agreement, you have the right to ask us to disclose the amount of commission we will earn for arranging your credit agreement. If you would like more information, please email your request to the email shown below within the section for contact details. For your reassurance, the amount of commission we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. The lender will always set this.

Credit Searches

By providing us with your credit details, you will be giving us authority to submit a credit application on your behalf to our credit providers, who will record a search on your credit file. We will only pass your details onto a subsequent credit provider if the initial application to the first credit provider is not successful. In this event, we will use a maximum of four credit providers and therefore, no more than four credit searches will be registered.

Contact Details / Complaints

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

In writing: Customer Service Manager, Sytner Group Limited, 2 Penman Way, Leicester, LE19 1ST.

By email: sytnerfinance@sytner.co.uk

By phone: 0116 282 1000

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, free of charge. Their website details are: www.financial-ombudsman.org.uk. Time limits to refer your complaint to the Financial Ombudsman Service may apply.

Financial Services Compensation Scheme (FSCS) - Insurance Products

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. 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.

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