Financial products - Accessory services

FINANCIAL PRODUCTS

The Retail Financing business line offers a wide range of flexible and customised solutions, created to meet the most diverse financing requirements.

Hire Purchase (HP)
The traditional financing plan which permits you to defer the payment of all or of a part of your new or used vehicle in monthly installment.

Leasing (LSG)
The ideal plan for professionals, self-employed people and entrepreneurs. This solution offers the possibility of using the vehicle without tying up capital thus allowing effective planning of income and outgoings.

PCP (Personal Contract Purchase)
The purchasing solution that allows you to have a new vehicle at all times, paying only for its actual use with a wide range of options at the end of the agreement, namely:

• Substitution of the vehicle, purchasing a new one
• Keeping the vehicle, paying the Final Residual Instalment or refinancing it
• Returning the vehicle with no obligation to purchase a new one (the terms vary from market to market)

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ACCESSORY SERVICES

In addition to the retail financing products offered, FGA Capital offers a set of high added value accessory insurance services.

Protected Loan
A policy that releases the customer from the obligation to pay the residual debt or part of the monthly payments still due, in the event of unexpected and/or certain events.

GAP (Guaranteed Asset Protection)
A policy that protects the purchase value by guaranteeing the policyholder compensation for the value when new in the event of theft or total write-off for a number of years after purchase or an advantageous pay-out which varies according to the current legislation of the country.

Glass branding
A major deterrent against theft.

Fire/Theft Insurance Policy
Insurance policy combined with the financing instalment which covers the vehicle, for the entire duration of the financing contract, from events such as theft, fire, burglary, natural and socio-political events, acts of vandalism and window breakage.

Kasko & Collision
The Kasko policy covers the refund of damages in the following events: collision with another vehicle, impact against fixed or mobile obstacles, vehicle overturning or leaving the road. The Collision policy only applies in the event of collision with another identified vehicle.

Extended warranty
Allows the option of extending the manufacturer's warranty with a range of solutions able to cover expenditure in the event of vehicle faults.

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For more information about the products offered and the terms applied in the markets where these types of financing are available, select the relevant Country: Austria Denmark France Germany Greece Italy Netherlands Poland Portugal Spain Switzerland UK.

Contract terms and duration vary according to the market of interest in which they are applied.