New! Affinity Vehicle Insurance Services has just been launched
Call 0845 050 5637 for a discounted car insurance quote: fully comprehensive, GAP insurance and payment protection plans.
We are now able to offer the full range of insurance services for vehicles, as well as all types of personal and business insurance.
Fully Comprehensive / Third Party, Fire & Theft
The table below illustrates what is covered by each type of car insurance (this is for guidance only, full details will appear on policy documents)
Jump to a section:
Options |
Fully Comprehensive |
Third Party, Fire And Theft |
|
Policy excess |
No “visible” compulsory excess. Option to select from £150, £250, £350, £550, £800 and £1050 |
£250 compulsory excess. No voluntary excess option |
|
Cancellation fee (inside cooling off period if cover has not started) |
£38 plus Insurance Premium Tax |
£38 plus Insurance Premium Tax |
|
Cancellation fee (outside cooling off period) |
£38 plus Insurance Premium Tax |
£38 plus Insurance Premium Tax |
|
MTA Fee |
£18 plus Insurance Premium Tax |
£18 plus Insurance Premium Tax |
|
New car damage |
60% |
Not available |
|
New car period |
12 months |
Not available |
|
Windscreen excess |
£75 |
Not available |
|
Windscreen repair excess |
£10 |
Not available |
|
Windscreen limit |
Unlimited |
Not available |
|
Windscreen non-approved repairer cap |
£185 |
Not available |
|
Young driver additional excess |
Under 21 £300. 21-24 £200 |
Not available |
|
Manufacturer audio equipment |
Unlimited |
£100 |
|
Non-manufacturer audio equipment |
£500 |
£100 |
|
Driver support |
Standard (part of medical expenses section) |
Not available |
|
Courtesy car – total loss period |
14 days |
Not available |
|
Class A courtesy car |
Optional |
Not available |
|
Enhanced courtesy car |
Optional |
Not available |
|
Executive courtesy car |
Not available |
Not available |
|
Prestige courtesy car |
Not available |
Not available |
|
Foreign use |
Optional add-on |
Not available |
|
UK breakdown |
Optional risk-based covers available, based on vehicle insured only |
Optional risk-based covers available, based on vehicle insured only |
|
Euro breakdown |
Optional |
Not available |
|
Onward transportation |
Yes |
Yes |
|
Loan vehicle cover |
Yes |
No |
|
Repairs guarantee |
Yes |
Yes |
|
Guarantee period |
3 years |
3 years |
|
No Claims Discount Protection |
Yes |
Yes |
|
NCD Protection basis |
2 fault claims in 3 years – 4 year NDC basis |
2 fault claims in 3 years |
|
Protected No Claims Discount at 3 years |
Yes |
No |
|
Guaranteed No Claims Discount |
Optional |
Not available |
|
Named driver No Claims Discount |
Yes |
Not available |
|
Uninsured driver promise |
Yes |
Not available |
|
ULR add on limit |
£50,000 |
£50,000 |
|
Third party property limit |
£20,000,000 |
£20,000,000 |
|
PhysioFast Cover |
Optional |
No |
|
Child seat cover |
£100 per seat |
£0 |
|
Personal belongings |
£150 |
£0 |
|
Medical expenses |
£100 |
£0 |
|
PA Extension |
Yes |
No |
|
Family package |
Not available |
Not available |
|
Executive package |
Not available |
Not available |
|
Prestige package |
Not available |
Not available |
Call 0845 050 5637 for full details
Gap Insurance
Gap Insurance offers you financial protection if you have a car on finance in the event of an insurance total loss pay out. It pays the difference between the amount paid out by your motor insurer (or the market value of your vehicle) and the finance settlement set by the finance company, for example:
You have an accident and the car is written off
The figure to settle your finance agreement on your lease is £5000
Your insurer pays the market value of the car - £3000
Therefore the “gap” is £2000 which is paid for by your gap insurance:
this would otherwise fall to you to pay
It will cover you if your vehicle:
- Is stolen and not recovered
- Has accident damage beyond repair
- Gets vandalised beyond repair
It can cover any length of lease, with no age or mileage limits.
In the event of a total loss, gap insurance pays your outstanding finance amount, leaving you with no debt to the finance company.
N.B This insurance must be taken out no later than 30 days from the start of your lease.
Full details of individual policies will be available at the time of application.
Call 0845 050 5637 for full details
Payment Protection Insurance
If you are worried about your job stability you can now protect your monthly payments with our Payment Protection Insurance.
This protects your lease payments, and has three levels of cover:
- Accident, sickness and unemployment
- Accident and sickness only
- Unemployment only
Each of which is available on single or joint cover.
Be safe in the knowledge that your payments will be protected if you are unable to work
Call 0845 050 5637 for full details
Affinity Leasing Limited is an Introducer Appointed Representative of Broker-Support Ltd which are Authorised and Regulated by the Financial Services Authority, number 315328 which can be found on the register www.fsa.gov.uk/register
