Lifestyle Europe - Subaru Car Finance

Subaru Finance
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Dealer Locations



	Tunbridge Wells Lifestyle Subaru/Isuzu Mount Ephraim Royal Tunbridge Wells Kent TN4 8AG Tel: 0844 8446514 e-mail

Subaru Finance Options

GAP - Financial protection from write-offs and unrecovered stolen cars

GAP Insurance
If your car is written off by your insurance company following fire, theft or accident, GAP insurance helps to bridge the ‘gap’ between the insurance payout you’ll receive and the finance still outstanding on your vehicle. (Up to a maximum of £5,000).

GAP Return to Invoice (RTI) Insurance
Alternatively you could choose to take RTI, which offers the above benefits but cover is not restricted to a maximum of £5,000. It could give you back the difference between the insurance payout and the full original purchase price of the vehicle (up to £15,000).

Please refer to important information for more details on Personal Finance.

Hire Purchase - A simple way to pay

The ‘traditional’ method of financing a new car.

Hire Purchase calls for an initial deposit, which is a predetermined percentage of the total vehicle cost, followed by regular, fixed monthly payments over a number of years, until the balance is cleared.

Advantages

Payments are made monthly over a fixed period (usually 1-5 years)
The vehicle becomes your property at the agreement’s end after the final monthly payment and option to purchase fee is paid
Payments are fixed throughout
There is a ‘pause payment’ option, which effectively extends the payment period by one month because no payment is made in month one, allowing the customer a little breathing space at the start of the agreement.

Please refer to important information for more details on Personal Finance.

Hire purchase with balloon payment - Making payments affordable

An attractive ‘spin’ on conventional Hire Purchase in so far as it calls for lower monthly payments. It does, however, require the customer to make a final ‘balloon’ payment at the agreement’s end, which then releases the car into the customer’s possession.

Advantages

The vehicle becomes the owner’s property at the agreement’s end after the balloon payment and option to purchase fee are paid
Payments are lower than with a ‘standard’ Hire Purchase arrangement
Payments are made monthly over a fixed period (usually 1-5 years)
Payments are fixed throughout

Please refer to important information for more details on Personal Finance.

Horizon - Personal contract purchase

Few things today represent as attractive as a proposition as Horizon – the Personal Contract Purchase that gives you a fresh start to your motoring, on fresh terms.

With Horizon, you not only get to drive a new or used car every two or three years, you do so knowing exactly what the vehicle will be worth later on, effectively side-stepping the depreciation trap. Horizon provides the ultimate comfort of a Guaranteed Future Value (GFV). This takes into account the market value of your car at the end of the agreement and the agreed amount will be honoured regardless of any market changes.

Horizon can be tailored to your specific requirements. When the agreement term is complete you have 3 options:

Pay off the GFV and own your car outright
Return the car with nothing to pay*
Part exchange the vehicle and acquire a new one

*subject to the vehicle mileage being within the agreed limit and subject to the vehicle being returned in a condition reasonable for it’s age and mileage.
Please refer to important information for more details on Personal Finance.

Payment protection - could keep the payments going if you have to stop work

Payment Protection Insurance is an insurance product that could make your motor finance payments for you should you be unable to do so due to loss of income. Such a loss of income may be caused by redundancy, accident, severe illness or death.

There are 3 levels of cover to choose from, each offering you varying degrees of cover.

Cover	Life	Accident & Sickness	Unemployment
Gold	Y	Y	Y
Silver	Y	Y	-
Bronze	Y	-	-

Gold
Offers you Life, Accident & Sickness and Unemployment cover.
Life: Your motor finance obligations could be paid (up to £25,000) in the event of your death.
Accident & Sickness: Your monthly payments could be made (up to £1,000 per month) if you are unable to work for 30 continuous days. The payments could continue for up to 12 months for any one claim.
Unemployment: Your monthly payments could be made (up to £1,000 per month) if you are made unemployed through no fault of your own for 30 continuous days. The payments could continue for up to 12 months for any one claim.

Silver
Offers you Life and Accident & Sickness cover.
Life: Your motor finance obligations could be paid (up to £25,000) in the event of your death.
Accident & Sickness: Your monthly payments could be made (up to £1,000 per month) if you are unable to work for 30 continuous days. The payments could continue for up to 12 months for any one claim.

Bronze
Offers you Life cover only
Life: Your motor finance obligations could be paid (up to £25,000) in the event of your death.

Important information

Please don't forget to click here to read important information and terms and conditions of Subaru Finance.