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As part of our commitment to treating you fairly in all our dealings with you both now and in the future, this document details our service and arrangements for dealing with your finance and insurance requirements.  Please take the opportunity to read it carefully ensuring you retain a copy for your records.


Lookers Motor Group Limited (LMGL) is authorised and regulated by the Financial Conduct Authority (FCA), the independent watchdog that regulates financial services. Our FCA Firm Register Number (FRN) is 309424. You can verify this information by checking the FCA Register which can be found at or by contacting the FCA on 0800 111 6968. The companies named below are appointed representatives (ARs) of LMGL. LMGL and its ARs are subsidiaries of Lookers plc, Company registration number 111876, whose registered office (and that of LMGL) is at Lookers House, 3 Etchells Road, West Timperley, Altrincham, Cheshire, WA14 5XS.

Our Appointed Representatives (ARs)

Charles Hurst Limited FRN: 404120 Addison Motors Limited FRN: 727684 Fleet Financial Limited FRN: 456005

MB South Limited FRN: 461719 Platts Harris Limited FRN: 403862 Lookers Leasing Limited FRN: 535490

S. Jennings Limited FRN: 821551 Lookers Colborne Limited FRN: 517128 Colebrook & Burgess Limited FRN: 727687

Lomond Motors (East) Limited FRN: 679035 Lomond Motors Limited FRN: 476254 GET Motoring UK Limited FRN: 654648

Drayton Group Limited FRN: 766669 The Dutton-Forshaw Motor Company Limited FRN: 474287

LMGL and its ARs are permitted to arrange general insurance policies on your behalf and can also introduce you to a limited number of finance providers to assist with any finance arrangements you may need to make. 


You will not receive advice or any recommendation from us in respect of the finance and insurance options we can offer, instead we will ask you a number of questions to narrow down the selection of products we will provide details on, ensuring you have sufficient information to choose how you wish to proceed.



Lookers will represent you in the sale of the insurance. We offer our customers a range of optional insurance products to protect and complement their vehicle purchase.  We may offer you:   

Total Loss Cover | Complete Wheel Protection | Minor Damage Protection | Carsmetic

The insurance products are underwritten by Fortegra Europe Insurance Company Limited and administered by Premia Solutions Limited.   


It is your responsibility to provide complete and accurate information to the insurers when you take out your insurance policy and throughout the life of your policy and when you renew your insurance.  Your insurance will be based upon the information provided to the insurance company.  Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

CONSUMERS: You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and the statements you make as part of your insurance application, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part or all of a claim may not be paid.

COMMERCIAL CUSTOMERS: You must, at all times, act with utmost good faith towards your insurer. Before your policy is placed you have a duty to make a “fair presentation” of the risk and you must disclose to your insurer all information, facts, and circumstances which are, or ought to be, known to you and which are material to the risk. In addition, if your policy contains a particular clause stating that any change in circumstances must be advised to your insurer, you will also have to disclose certain information during the policy period.


You may have a statutory right to cancel your insurance policy within 14 days. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro rata refund of premium from the insurer. Insurers are also entitled to make an administrative charge. If you wish to cancel outside this period, you may not receive a pro rata refund of premium.


If you wish to make a claim on your policy, you should contact Premia Solutions Limited on telephone No. 01926 622 660. If you are in doubt about who to contact, please contact us on 0161 291 0043, we will provide assistance as to whom to contact.


Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer. This means that premiums are treated as being received by the insurer when received in our accounts, in which case your insurance is treated as being paid for. Money held by us under such arrangements does not constitute client money within the FCA’s Client Money Rules. We may need to transfer your money to another intermediary in some cases. We also reserve the right to retain interest earned on monies held by us.


When we arrange an insurance policy on your behalf you do not pay us a fee for doing this.   We receive training support from the administrator and commission from the insurer which is the difference between the amount of your premium for the insurance policy and the amount we pay the administrator for the insurance policy inclusive of Insurance Premium Tax (IPT)


Lookers Motor Group Limited (LMGL) is acting as a broker on your behalf and is not a lender.

When using our credit broking services you will be required to pay a charge in relation to these services which constitutes our processing fee.  The exact amount of which will be displayed in any order form to follow.

The charge will be collected by debit or credit card payment facilitated through Stripe on submission and submission of your order form.  Stripe are employed by Lookers Motor Group Limited to provide a secure payment gateway for customers using our online services.

Because of the specific nature of the finance, LMGL uses a small group of lenders. You consent that you are aware that LMGL may receive commission from these lenders for the arrangement of any agreement arising from this order form and you have no objections to the LMGL receiving this amount.

By completing any order form to follow on from these Terms of Business you are confirming agreement to the Credit Broking Information above.

(For your own benefit and protection, you should read the terms of the order form carefully before signing them. If you do not understand any point please ask for further information).



Usually, we will refer initial finance applications to the vehicle manufacturer, if this is not possible, we will refer your application to our main panel of lenders. If this is not successful, we will refer your application to our secondary panel of lenders.

Where we carry out any negotiations with you in relation to your finance agreement, we will inform you if your application has been declined. We will also provide you with the details of any credit reference agency consulted by the finance provider.


We receive commission from your finance provider for introducing you to them. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your business with a finance provider.   If we do not know the exact amount of commission, we will provide you with the likely amount.


Where we have arranged finance for you, we may contact you prior to the end of your finance agreement to discuss the return of your vehicle and/or end of term options available to you.



We are covered by the Financial Services Compensation Scheme. 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. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The scheme does not cover consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting


We are focused on delivering market leading service levels to our customers and we look to resolve any complaint as quickly as possible. If you wish toregister a complaint please don't hesitate to contact us. Our contact details can be found on our website. If you cannot settle your complaint with us, you may be able to refer it to the Financial Ombudsman Service or the BVRLA. A copy of our complaints procedure is available on our website.

Call Us: 0161 291 0043

Email Us:             

Write to Us: Complaints Department

Lookers, Lookers House

3 Etchells Road

West Timperley. Altrincham

WA14 5XS

All complaints received are treated with confidentiality and in accordance with the requirements of data protection legislation. We will always strive to investigate and resolve your complaint promptly and fairly. However, if you are not satisfied with how we respond to your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service.  You must do so within 6 months of our final response to you.  

The Financial Ombudsman Service is a free, independent service available to customers who have a complaint about a financial product or service. The address, website and contact details of the Financial Ombudsman Service are as follows:


Address: The Financial Ombudsman Service, Exchange Tower, London E14 9SR


Telephone: 0800 023 4567 or 0300 123 9123

For more information please read the Financial Ombudsman’s leaflet “Your Complaint and the Ombudsman” which is available at:


The law applicable to our terms of business is the law of England and Wales. These Terms shall not be enforceable by third parties and the Contracts (Rights of Third Parties) Act 1999 is excluded. If any part of these Terms are deemed unlawful or unenforceable in any way, that part shall be deemed removed without it affecting the remainder of the Terms.


LMGL and its ARs are committed to the highest standards of data privacy and will only use your information in accordance with your data protection rights. For more information please see our Privacy Notice published on our website at

Terms of Business –November 2019 V1.5

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