Terms of business

About us

SG Fleet UK Limited, Station Court, Old Station Road, Hampton in Arden, Solihull, B92 0HA (Tel 0344 8545 161) is authorised and regulated by the Financial Conduct Authority (FCA).  You can check these details on the Financial Services Register by visiting the FCA’s website http://www.fca.org.uk or by contacting the FCA on 0800 111 6768.  Our FCA number is 625294

Permission statement

We have the following permissions under Consumer Credit regulations:; credit broking, debt administration, debt-collecting, entering into regulated consumer hire agreements as owner and exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement. Our permitted business also includes introducing, advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. 

Our Service

We act on your behalf in selecting any associated credit facilities and an appropriate insurance policy to meet your needs, arranging insurance cover and in assisting you with claims matters. We act as an intermediary in arranging finance with your lender and insurance cover with your insurer.” We will take your reading of these Terms of Business and your instructions to arrange finance and insurance cover to indicate that you understand and have given your consent for us to operate in this way. We will not in any circumstances act as a lender or as an insurer nor guarantee or warrant the solvency of any lender or insurer.

Products offered

We work with a number of carefully selected credit providers who may be able to offer you finance. We are only able to offer finance products from these providers. All finance is subject to status and income. We have provided our recommendation for insurance cover based on the quotation from a single insurer, Aviva Insurance Limited.

Providing information to your insurers

Your insurance is based upon the information provided to the insurance company.  Unless otherwise indicated by the specific insurer underwriting your particular policy, the following circumstances apply.

For Consumers (individuals buying insurance wholly or mainly for purposes unrelated to their trade, business or profession) this means that you must take reasonable care to answer all questions fully and accurately. Once cover has been arranged, you must immediately notify us of any changes to the information that has been provided to your insurers. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid.

All other customers must disclose all ‘Material Facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of insurance. Failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid.

Fees and charges

We are remunerated by commission from relevant suppliers for arranging your vehicle finance and insurance.  You may ask us to explain our earnings to you at any time.

Premium payment

We will agree the method of payment with you before we arrange cover.

Awareness of policy terms

It is your responsibility to read your insurance policy document to satisfy yourself that the cover meets your requirements. Should you have any queries, or concerns, please contact us immediately.

How to cancel

You may have a statutory right to cancel your insurance policy within a short period.  Please refer to your policy summary or your policy document or renewal notice for further details.  If you wish to cancel outside this period cancellation rights will be as detailed in your policy document. 

How to claim

Please call us immediately if you suffer a loss and we will advise you on the appropriate course of action.

Protecting your money

Prior to your insurance premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer, in which case your insurance is treated as being paid for.  We reserve the right to retain interest earned on this money. We may need to transfer your money to another intermediary in some cases in order to complete the arrangement of cover for you.  However your money will be protected at all times because of our requirements under the FCA rules. We will take your reading of these Terms of Business and your instructions to arrange cover, to indicate that you understand and have given your consent for us to operate in this way.

Protecting your Personal Data (data)

We are the Data Controller for the data you provide to us. We need to use your data in order to arrange your insurance and associated products and for marketing purposes (please let us know if you would prefer not to receive marketing information from us). You are obliged to provide information without which we will be unable to provide a service to you. We may pass your data to other organisations, such as insurers, auditors, external consultants, credit providers, banks, financial transaction processors, crime and fraud prevention agencies and databases and regulators. We process all data in the UK but where we need to disclose data to parties outside the European Economic Area (EEA) we will take reasonable steps to ensure the privacy of your data. In order to protect our legal position, we will retain your data for a minimum of 7 years. We have a Data Protection regime in place to oversee the effective and secure processing of your data. You can request copies of the data we hold, have it corrected, sent to a third party or deleted (subject to our need to hold data for legal reasons). If you wish to complain about how we have handled your data, you can contact us and we will investigate the matter. If you are not satisfied with our response or believe we are processing your data incorrectly you can complain to the Information Commissioner’s Office Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF Tel: 0303 123 1113


It is our intention to provide a high level of service at all times.  However if you have reason to make a complaint about our service you should contact the Managing Director at the above address or at http://www.sgfleet.com/uk/feedback/.  If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS).  Further information is available by calling the FOS on 0800 023 4567 or at http://www.financial-ombudsman.org.uk

Compensation arrangements

We are covered by the Financial Services Compensation Scheme (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.  For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.  Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or at http://www.fscs.org.uk