Terms & Conditions

Agreement

Intellectual Property Ownership: Graphics, Artwork, Audio and Video:

All information and artwork on this site is copyrighted by Cox Motor Group.

Although you can copy any images from this web site to your own computer for your personal use, you may not use any elements of the site, including images, on your own web site or in any other public or commercial manner. That means you may not post or redistribute any portion of our web site unless you are a licensee of our products. If you want to link to our site, that's OK, but please don't use our graphics in your own site without written permission. Except for your own personal use, you can't use any material here without our written permission. You may not reverse-engineer, disassemble or otherwise convert the material to another form.

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, "Content"), including but not limited to the design, structure, selection, coordination, expression, "look and feel" and arrangement of such Content, contained on the site is owned by Cox Motor Group and is protected by trade, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

Unless otherwise specified, all trademarks used on this site are the property of Cox Motor Group or our business partners.

Liability

Neither Cox Motor Group or its affiliates, nor anyone who helped develop, create, produce or deliver the material and information in this site are liable for any damages related to your use of or inability to use the site.

We aim to make sure our sites can be accessed by as many methods of internet connection as possible but this will sometimes not be possible.

Despite our best efforts, a small number of the details on our site are occasionally inaccurate. Rest assured, we verify these errors as soon as we become aware but you must check the details before using the information to judge an action or purchase. In particular pricing information should always be checked with the appropriate branch.

Cox Motor Group
Northgate
Morecambe
Lancashire
LA3 3PA

Company Number: 4007232

Registered in England and Wales

Trading Name: Cox Motor Group

Initial Status Disclosure

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Firms are required by the FCA to provide status disclosure documents to consumers who are considering buying certain financial products. It is therefore important that you read this document. It explains the service you are being offered in relation to finance and insurance. Please use this information to decide if our services are right for you.

Whose Products Do We Offer?

We only offer products from a limited number of insurers for Combined GAP and GAP Financial Shortfall Insurance.

Should you require finance to assist with the purchase of a vehicle, we can introduce you to a limited number of lenders we work with, who offer a range of finance products. If you request it, we can provide a list of lenders we work with.

Which Services Will We Provide You With?

We are a credit broker and not a lender.

We will explain the finance products available to you from the lenders we work with and advise you on suitability of those finance products, after we have assessed your needs. You will then need to make your own choice about how to proceed.

We will advise and make a recommendation for you on insurance products after we have assessed your eligibility for the insurance products we offer. You will then need to make your own choice about how to proceed.

We are not an independent financial advisor. We do not assess the wider market for finance or insurance, or provide any advice on whether the finance or insurance products we offer represent the best value you could obtain.

What Will You Have to Pay Us For Our Services?

We do not charge you a fee for our services.

We will typically receive a commission from the lender, as either a fixed fee or a fixed percentage on the amount you borrow. These arrangements are negotiated with our lenders in advance and do not give us any discretion to negotiate or adjust your annual percentage rate (APR) or any other item included in the total charge for credit. The APR may vary according to your credit status or the amount you borrow. The commission we earn does not change in relation to the type of finance (Hire Purchase, Personal Loan or Personal Contract Purchase) you choose or the length of the finance agreement.

At any time prior to concluding your vehicle purchase, if you are an individual, sole trader or small partnership, you are entitled to request details of any commission we will receive as a result of arranging your finance with a lender. This request can be made from the Sales Manager at the branch, please ask your Customer Experience Specialist for their details.

If you buy an insurance product we recommend to you, we will make a margin on the sale of that product from the price paid by you. We also receive training support from the insurance administrators.

Who Regulates Us?

All Cox Motor Group legal entities are authorised and regulated by the Financial Conduct Authority, either as a principal firm or an appointed representative. Our FCA Reference Numbers are...

DJ Cox Ltd	307923 (Principal Firm)
CMG Lancaster Ltd	730076 (Authorised Representative)
North West Motorcycles Ltd	730077 (Authorised Representative)

Our permitted business is to act as a broker for consumer finance and to provide insurance distribution of non-investment insurance.

You can check this on the FCA register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082

What To Do If You Have a Complaint

If you wish to register a complaint, please contact us as follows

By e-mail - feedback@coxmotorgroup.com

In writing - FCA Compliance Manager,
Cox Motor Group, Lancaster Honda, Northgate, White Lund Industrial Estate, Morecambe, Lancs, LA3 3PA

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

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. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. The scheme does not cover consumer credit. Further information about compensation schemes is available from FSCS (www.fscs.org.uk).