L _ L Automotive Group Premier Protection Pack Premier Protection Pack

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					               GAP Total Loss Protection

               & L Automotive Group
            LFront Page

                                             Ty Insurance
             Premier Protection Pack


                          SMART Insurance
                                                                                                                 about our insurance services

L and L Inc Limited t/as
                                                                                                                                       Mercedes-Benz of Herford
Mercedes-Benz of Bishops Stortford
                                                                                                                                       Foxholes Business Park
Mercedes-Benz of Hertford
                                                                                                                                       John Tate Road
Mercedes-Benz of Stevenage
         f Bi h St tf d
SMART of Bishops Stortford
SMART of Hertford
                                                                                                                                       SG13 7LB
SMART of Stevenage

            1.        The Financial Services Authority (FSA)

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

            2.        Whose products do we offer?

          X           We offer products from a range of insurers.

                      We only offer products from a limited number of insurers for

                      Guaranteed Asset Protection (GAP)
                      Tyre Insurance
                      Extended Warranty
                                  t t Insurance (D t S t h & Chi I
                      SMART protect I                                           )
                                                   (Dent, Scratch Chip Insurance)
                      Ask us for a list of insurers we offer insurance from.

                      We only offer products from a single insurer.

              3.        Which service will we provide you with?

          X             We will advise and make a recommendation for you after we have assessed your needs for

                        Guaranteed Asset Protection (GAP)
                        Tyre Insurance
                        Extended Warranty
                        SMART protect Insurance (     ,              p          )
                                                 (Dent, Scratch & Chip Insurance)

                        You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we
                        will provide details on. You will then need to make your own choice about how to proceed.
                                                                                         about our insurance services

    4.     What will you have to pay us for this service?

X   A fee.
    No fee for

    Guaranteed Asset Protection (GAP)
    Tyre Insurance
    Extended Warranty
    SMART protect Insurance (Dent, Scratch & Chip Insurance)

    You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
    5     Who regulates us?

    L and L Inc Limited (t/as Mercedes-Benz of Bishops Stortford, Mercedes-Benz of Hertford, Mercedes-Benz
    of Stevenage, SMART of Bishops Stortford, SMART of Hertford & SMART of Stevenage) is an appointed
    representative of ITC Compliance Limited, Charnwood House, Marsh Road, Bristol, BS3 2NA which is
    authorised and regulated by the Financial Services Authority. ITC Compliance Limited FSA Register
    number is 313486

    ITC Compliance Limited permitted business is to arrange policies for General insurance and this
    Initial Disclosure Document applies only to products we advise on, which are regulated by the FSA.

    You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/
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    or by contacting the FSA on 0845 606 1234.

    6.    What to do if you have a complaint

    If you wish to register a complaint, please contact us:
    … in writing          Write to: The Compliance Officer, ITC Compliance Limited, Charnwood House, Marsh Road, Bristol, BS3 2NA
    … by phone            Telephone: 0117 953 9068

    If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman

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

    L & L Inc Limited is covered under the Financial Services Compensation Scheme This provides compensation in case any of its
    members are unable, in specified circumstances, to meet any valid claims under their policies. 90% of the claim will be met with no upper limit.
    Compensation is only available to commercial customers in limited circumstances.

    Further information can be obtained from the Insurer, or from the Financial Services Compensation Scheme at the following address:
    Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, 1 Portsoken Street, LONDON, E1 8BN.
                                                                                                     Total loss GAP protection
How well protected are you against total loss?                                                                       Total Loss GAP Protection
 If your vehicle becomes a total loss, which means it has been written off a stolen, even if     Our Total Loss GAP Protection could cover the shortfall when your vehicle is
 you have comprehensive Motor Insurance cover your Motor Insurance may only pay,                 written off, by covering the difference between you Motor Insurer’s pay out (or
 h f ll the current market value at the time of the write-off which is very likely to b
 hopefully, h               k l          h i f h i ff hi h i                    lik l be         Glass’s Guide value – whichever is the greater) and the Net Invoice Price you paid
 less than you originally paid for your                                                          for your vehicle up to £20,000

                                                                                                                                          What you need to be able to replace your vehicle:
                                                                                                                                                Total Loss Gap Protection pay out
                                                 So you may have a problem – difference
                                                 between the Motor Insurer’s payout and the
                                                 cost of a replacement vehicle. A gap that
                                                 can leave you seriously out of pocket

 For example, if your vehicle costing £17,000 is written off after
 2 years, the Motor Insurer may only pay out the current market
 value, which might only be £12,000. This will leave a gap of £5,000 – making it difficult
 for you to replace your vehicle with
 an equivalent replacement model.                                                                                                                                       Conditions of cover
                                                                                                   Am I Eligible?
                                                                                                                                                               You are eligible, provided that:
                                                                                                                                  l bl
                                                                                               Totall Loss GAP Protection is available
                                                                                               for new or used car. It’s easy to take                          •You are covered by a fully comprehensive UK motor
                                                                                               out, providing up to three year’s cover.                        insurance policy.
                                                                                               For cover on negative equity.                                   •Your vehicle net invoice price, does not exceed the
                                                                                                                                                               value stated in the Terms and Conditions. Various
                                                                                                                                                               products may be available according to the vehicle
                                                                                                                                                               •Your vehicle is listed in Glass’s Guide and is used
                                                                                                                                                               principally in the UK
SMART Insurance

        R i
A SMART Repair

How annoying is a small scratch, a scuff, a dent or a ding on your lovely Mercedes-Benz or smart?
It’s bad enough when you do it yourself. And it’s even worse if someone else does it.
But with SMART insurance, if it does happens, you can relax you are covered.

Benefit the SMART way:

Safeguard your no-claims bonus

Keep your car in showroom condition

Protect the resale value of your car

Convenient and professional mobile repair network

Most repairs completed in only a few hours

No premium increase following a claim

Friendly claims handling centre

Fully FSA regulated
A showroom finish guaranteed every time.
(Elbow grease not required)
StarGard i       d fabric     i
S G d paint and f b i protective products maintain your new car’s appearance for 3 years* - without you
                                     d      i i                ’             f          * ih
having to spend your Sundays waxing.

Outside, the high-gloss paint sealant forms a tough, deep, transparent, protective barrier on your paintwork.
Inside, I t i G d f           t i i t t b i th t k f b i l ki th i best t A d
I id InteriorGard forms a stain-resistant barrier that keeps fabrics looking their b t too. And if your
Mercedes-Benz has leather upholstery, StarGard’s LeatherCare kit provides a combination of products that will
clean and maintain the look of your leather seats for years. Which means your Mercedes-Benz retains the same
superb look it had when you bought it and helps to maintain its value when you come to sell it.

1. StarGard PaintSeal
A deep, tough, high-gloss protective barrier on your Mercedes-Benz paintwork that remains
    h f       h
wash after wash.

2. InteriorGard
Coats each fibre of fabric and carpet with a resin-based formula which won’t wash out.
Eases the removal of stains and spills and preserves fabrics, texture and appearance.

3. StarGuard SupaWheels
SupaWheels wheel cleaner eases the removal of road grime, and Wheel Protector helps to
keep your alloy wheels in great condition.

4. StarGard LeatherCare
Give your leather the love it deserves with conditioners designed to maintain the supple,
natural feel of leather.
*Excludes SupaWheels and LeatherCare
Tyre Insurance

 What is Tyre Insurance?
 Tyre Insurance has been designed to provide cover when the tyre on the
 vehicle is accidently or maliciously damaged or punctured.

 Benefits to you
 In the event of accidental/malicious damage or puncture to a tyre, this policy will cover the
 cost of repair or replacement of a tyre £250 (claim limit) in value, as long as the tread depth
       d h                      h        f h l
 Exceeds the llegall llimit at the time of the claim.

 Period f                 I                   f              h l           h            ld h date
 P d of cover is 3 years. It covers a totall of 5 tyres on vehicles lless than 5 years old at the d
 of commencement.
   Total Protection & Peace of mind with the Premier Protection Pack

The pack includes:
• Protection from the cost of Tyre Damage with Tyre Insurance

  Covers th diff
• C                     between th payout from your insurance
         the difference b t      the       tf          i
  company and the original cost of your car with Total Loss GAP

• Protect the interior and exterior of your car from the rigours of
                                       y                   g
  use with StarGard

• Get all minor scratches, scuffs, dents and dings repaired quickly
    d ffi i tl     ith        I
  and efficiently with SMART Insurance

       All this protection for only £1.70 per day
               Half the price of a Starbucks Coffee

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