Ref. No.

: 809559
Name: Mr James France
DOB: 00/00/0000
Pond Farm Halifax Road
Scholes
Address: Cleckheaton Group: Group 1 Automotive
Dealer: Volkswagen Peterborough
GB
Postcode: BD196PH
Reg. No.: KO68LVJ

Product Document Pack

Date: 11/11/2023 13:19:28

Dear Customer,

This document contains IMPORTANT information about Guaranteed Asset Protection also known as GAP,
Tyre Insurance and SMART Insurance, please read it carefully. If you have any queries then please do not
hesitate to contact me, Dilraj Singh - Sales Executive.

The Financial Conduct Authority (FCA) is the regulatory body that supervises the sale of general insurance
products. Our permitted business is to arrange policies for General insurance and this Disclosure Document
applies only to products we distribute, which are regulated by the FCA.

This document is intended to provide you with adequate information and time to carefully consider the
purchase of such insurance products, and if you wish, to compare against other products available in the
market.

The purchase of any insurance product is optional and not a condition of the vehicle purchase, they are
independent of any finance agreement and therefore may differ in term.

Deferred Period Process

Your Deferred Period commenced on 11/11/2023.

I can confirm that the start of your statutory deferred period commenced on 11/11/2023. This is known as
Day 1. We will not contact you for two clear days after the deferred period has commenced, these are
known as "Clear Days 2 and 3". This allows you time to carefully consider the information we have provided
and we will contact you on or shortly after Day 4 to further discuss your requirements and answer any
questions you may have.

After considering the information, should you wish to purchase the insurances before Day 4 and you are
happy to proceed with the products we have offered; then you will be able to do so from tomorrow (Day 2)
by contacting your dealership/sales person who will be happy to arrange your protection.

We will ask you to waiver the deferred period by signing an opt-in declaration which your salesperson will
email/hand to you. Once you have signed the waiver then we will be able to complete the sale and register
the policy for you.

Philip Southwick - Managing Director Group 1 Automotive UK.

Spire Automotive Limited Spire Lakeside Limited Beadles Sidcup Limited

Think One Limited Hodgson Automotive Limited Beadles Aylesford Limited
Barons Automotive Limited Beadles Medway Limited Beadles Maidstone Limited

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Beadles Dartford Limited Beadles Coulsdon Limited

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Guaranteed Asset Protection - GAP

As part of the service we offer, we will assess your needs for our Guaranteed Asset Protection (GAP)
product. We will prepare a Statement of Demands and Needs which will establish your eligibility for GAP
GAP - Guaranteed Asset Protection and highlight any needs you may have to consider this protection.

As detailed in our introduction, the purchase of GAP is optional. Other GAP products are available within
the market and you may want to consider these prior to purchasing GAP - Guaranteed Asset Protection
from us. Please ensure you read our Helpful GAP Guidance Section below before making any purchase
decision as not all products will provide the same level of cover and protection. Some GAP policies will
have restrictive clauses that may cause a shortfall in the amount you are expecting.

Product: Red Sands Combined GAP/RTI - For Vehicles £15,001 to £30,000 - 36 months
Duration: 36 months
Quotation: £349.00

The Insurance Product Information Document (IPID). Please read this information carefully. The
Insurance Product Information Document (IPID) attached details the main features and benefits of the
insurance including any significant or unusual limitations or exclusions for GAP - Guaranteed Asset
Protection offered by Volkswagen Peterborough.

Helpful GAP Guidance Section

Features of our Return to Invoice Guaranteed Asset Protection:

- No Market Value Clauses, pays from Motor Insurance pay-out (no shortfall)
- Available to Cash and Funded purchases
- Covers Factory Fitted Options
- Covers unlimited Approved Manufacturer and Dealer Fitted Accessories
- Cancellable within first 30 days and fully refundable
- Cancellable within term of agreement with pro-rata refund (less an administration fee)
- Up to £500 contribution towards vehicle excess
- Professional, dedicated and supported claims team
- Our Dealership staff are available to support you
- Dealership staff to help, support and advise you
- Policy can be transferred should you purchase another vehicle
- Underwritten by one of the UKs most well know insurers

Other providers may not offer the same level of comprehensive cover. Please be aware of
exclusions or limitations like:
- The insurer will only pay the difference between the MARKET Value and retail invoice price of your
vehicle (potential shortfall)
- Excludes Motor Vehicle Excess contribution
- Exclude Factory Fitted Options
- Excludes Dealer Fitted Accessories
- No Pro Rata Refund available on cancellation
- Not Transferable
- Policies underwritten in emerging/developing economies
- Products that are not regulated by the Financial Conduct Authority

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Tyre Insurance

As part of the service we offer, we will assess your needs for our Tyre Insurance product. We will prepare a
Statement of Demands and Needs which will establish your eligibility for Tyre Insurance and highlight any
needs you may have to consider this protection.

As detailed in our introduction, the purchase of Tyre Insurance is optional. Other Tyre Insurance products
are available within the market and you may want to consider these prior to purchasing Tyre Insurance from
us. Please ensure you read our Helpful Tyre Insurance Guidance Section before making any decision as
not all products provide the same level of cover and protection.

Product: AutoProtect Tyre Insurance - Run Flat - 36 months - £200 Claim Limit
Duration: 36 months
Quotation: £354.00

The Insurance Product Information Document (IPID). Please read this information carefully. The
Insurance Product Information Document (IPID) attached details the main features and benefits of the
Insurance including any significant or unusual limitations or exclusions for Tyre Damage Insurance offered
by Volkswagen Peterborough.

Helpful Tyre Insurance Guidance Section

Features of our Tyre Insurance:

- Available to Cash and Funded purchases
- Variable claim limits including; £100, £200, £300 & £450
- Dealership replacement or a fully trained mobile repair network for added convenience
- No qualification period - cover from day 1
- 5 x tyre damage replacements
- Tyre replacement if damage makes tyre illegal (side-wall). Tyre does not need to fully deflate
- Like for like tyre replacement no cheaper alternative used
- Cancellable within term of agreement with pro-rata refund
- Professional, dedicated and supported claims team
- Convenient, safe and reliable

Other providers may not offer the same level of comprehensive cover. Please be aware of
exclusions or limitations like:
- Often only Annual policies available
- Extended qualification periods before a claim can be made - usual a minimum of the first 30 days
- Maximum number of claims within a 12 month period
- Short claim periods (within 7 days)
- Lower claim limits
- Variable Claim excesses
- Lower value/inferior tyres added as replacements
- Tyre has to fully deflate to be covered
- No pro rata refund for early cancellation
- Reduced claim settlement based on tyre wear

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SMART Protection

As part of the service we offer, we will assess your needs for our Small Motor Accident Repair Technology
Protection (SMART Insurance). We will prepare a Statement of Demands and Needs which will establish
your eligibility for SMART Protection Insurance and highlight any needs you may have to consider this
protection.

As detailed in our introduction, the purchase of SMART Insurance is optional.

Other SMART policies are available within the market and you may want to consider these prior to
purchasing SMART Protection Insurance from us. Please ensure you read our Helpful SMART Protection
Guidance Section before making any purchase decision as not all products will provide the same level of
cover and protection.

Product: AutoProtect SMART Protection Insurance - £3000 claim limit (No Excess) 36 months
Duration: 36 months
Quotation: £445.00

The Insurance Product Information Document (IPID). Please read this information carefully. The
Insurance Product Information Document (IPID) attached details the main features and benefits of the
insurance including any significant or unusual limitations or exclusions for SMART Protection Insurance
offered by Volkswagen Peterborough.

Helpful SMART Protection Guidance Section

Features of our SMART Insurance:

- Available to Cash and Funded purchases
- Fully trained mobile repair network
- No qualification period with cover from policy inception
- £3,000 aggregate claim limit
- 30cms damage claim area
- Cover multiple body panels
- Cancellable within term of agreement with pro-rata refund
- Professional, dedicated and supported claims team
- Convenient, safe and reliable
- Repairs carry a life time guarantee
- Guaranteed service levels

Other providers may not offer the same level of comprehensive cover. Please be aware of
exclusions or limitations like:
- Lower claim limits
- Extended qualification periods before a claim can be made
- Maximum number of claims within a 12 month period
- £25 claim excess to be paid by customer
- Covers single body panels
- No pro rata refund for early cancellation
- No Life-Time Guarantee on Repairs
- Unknown service levels

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