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Initial disclosure document

The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Services Compensation Scheme.

What services do we provide?

We will provide you with either comparable details of firms most appropriate to your lending or purchase requirements or general information relating to finance products. In assessing your requirements we may seek such information about your personal circumstances and objectives as might be relevant in order to enable us to identify your needs. It is important that you provide us with accurate and relevant information. You will not receive advice, or a recommendation from us, but we may ask questions to narrow down the selection of firms offered, from which you can more easily make your own choice if you so wish.

Whose products do we use?

As an Financial Conduct Authority regulated credit broker we can introduce you to a range of lenders who may be able to help you finance your vehicle and provide other products/services.

The insurance products we offer

Churchill Vehicle Leasing Ltd offer Guaranteed Asset Protection (GAP) insurance and Smart Protect from a single provider.  The provider is Auto Protect (MBI) Ltd of Warwick House, Roydon Road, Harlow, Essex CM19 5DY.  Their policies are underwritten by AmTrust International Underwriters DAC, PO Box 10534, Dublin 2, Ireland.


No order which has been accepted may be cancelled by The Customer except with the written consent of the Company and subject to the Customer indemnifying the Company in full against all loss (including loss of profit), costs (including the cost of labour and materials), damages, charges and expenses incurred by the Company. Our cancellation fee is £500 plus VAT. Where a customer cancels the Agreement during the Cooling Off Period, the Customer will still be liable to pay any fees due as listed here (the Vehicle Order not being a ‘linked agreement’ for the purposes of the Consumer Credit Act).

Do we charge for our services?

We will charge a £300+VAT Agency Fee for our services, except in case where we are to be paid a suitable commission by the finance company or supplying dealership.  In either case; this will always be shown clearly on any quotations we provide you with.”  We are a commission and fee based organisation which means that we may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with us. These fees may be variable or pre-set dependent on the product and the volume that we place with the chosen supplier.

We reserve the right to charge customers a £30+VAT administration fee for the re-issuing of finance documents throughout your contract, should you lose your copy. 

We reserve the right to charge customers a £30+VAT administration fee for vehicle or contract alterations, once an order has been placed with the supplying dealership.

Who regulates us?

Churchill Vehicle Leasing Ltd is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 727960. You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: or by contacting them on 0300 500 8082.

Other services we offer are not regulated by the Financial Conduct Authority however the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.

If you have a complaint

Please visit our complaints procedure page.


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