Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
If You purchase Hippo Protect online or by telephone (that is, without any face to face discussions with the Provider or Hippo), the Consumer Contracts Regulations will apply. You have the right to cancel the purchase of Hippo Protect within fourteen days of whichever is the later of (i) the day after the Start Date as detailed in Your Plan Schedule or (ii) handover of the Vehicle to You by Hippo and receive a refund of any payment that You have made to the Provider. If You wish to cancel, please refer to section 11.E. For complaints, refer to section 12.
Breakdown assistance, service bookings, maintenance inspections and repair requests:
Telephone: 0330 0947 230
Important: Do not proceed with completing any Repairs without obtaining authority from the Administrator first.
This document sets out the full terms and conditions of Your Lifetime Warranty, Breakdown Assistance, Routine Servicing and Additional Assistance benefits. Please read it very carefully as it gives You important information about the benefits provided, the limits, Your responsibilities, when and how You can request repairs and when You cannot. If having read the terms You feel it is not suitable for You then please refer to Section 11.E. General – Cancellation for Your options.
This Agreement is not an insurance policy and is not regulated by the Financial Conduct Authority (FCA). It is an Agreement to provide ongoing routine servicing, maintenance inspections, repairs and assistance. This Agreement is a contract between You and the Provider.
This document and all Our literature is available in large print, audio and a customised description to meet Your individual requirements. We will be happy to provide You with a copy on written request, or You can call Us on 0330 0947 230 to request a copy.
Administrator: The Administrator of this Agreement is Hippo Motor Group
The Administrator has been appointed by the Provider to be Your first point of contact. The Provider reserves the right to change the appointed Administrator at any time and will write to inform You prior to such a change.
Agreement: Our agreement with You in respect of Your Lifetime Warranty, Breakdown Assistance, Routine Servicing and Additional Assistance benefits which consists of these terms and conditions and Your Plan Schedule.
Direct Debit Payment: the monthly payment amount set out in the Direct Debit Schedule to be paid by You each month by direct debit.
Maintenance Agent: The national network of third party service centre/repairers that are authorised by the Provider for the provision of the services detailed under Section 5.A Lifetime Warranty (Maintenance Inspection and Repair) and Section 5.D Routine Servicing.
Maintenance Year means:
Plan Schedule: The document that We provided You, which contains Your details, Your Vehicle details and the Start Date of Your plan. Your Plan Schedule is based on the information You have provided to Hippo when You purchased Your Vehicle.
Vehicle: means the motor vehicle more fully described in the Plan Schedule.
You, Your: The legal owner or registered keeper of the Vehicle as named on the Plan Schedule.
Your Vehicle must:
These benefits are detailed below:
Please note: that in certain circumstances Your cover under Section 5.A Lifetime Warranty (Maintenance Inspection and Repair) will reduce. For details of when this reduction will take effect please see Section 6 ‘Commencement and Duration and Changes to Cover’.
One maintenance inspection prior to Hippo handing over Your Vehicle to You and carried out annually thereafter by the Maintenance Agent. The content of the inspections is detailed below:
Service history, next service due date and MOT due date.
Check the oil, fluids and coolant levels and identify any leaks, the condition of the alternator, belts and battery.
Check condition of all tyres (including spare), inflation kit (if applicable) and wheel alignment.
Check condition of the front and rear brake pads and discs (measured in millimetres), parking brake and the brake fluid condition and levels.
Check condition and levels of antifreeze.
Lights, electrics and heating
Check condition of internal and external lights, wipers and washers, horn, warning lights, control messages, heating systems, air conditioning operation, interior electrics, safety and seatbelts.
Check the engine for any smoke and noise, check the brake operation, clutch and transmission operation, condition of all mirrors and glass check the locking system.
Check the exhaust system and catalytic converter, steering and suspension, check for visible fluid leaks, check the condition of the driveshaft; joints, gaitors and mountings, the condition of the wheel bearing; hub, wear and noise, the condition of the hoses, pipes and cables.
Labour and parts costs for repairs to maintain Your Vehicle if an included part suffers a failure to perform its function, up to the Repair Limit detailed on Your Plan Schedule.
The Agreement covers all mechanical and electrical parts other than those specifically listed as excluded under Section 9 (Exclusions). The Provider is not liable for parts that have reached the end of their normal working lives because of age, usage or have failed due to negligence.
What We will do:
In the event that a component(s) of Your Vehicle suffers a failure to perform its normal function, the Provider will pay for replacement parts and labour, up to the Repair Limit specified in the Plan Schedule. Repair or replacement of defective parts under this Agreement is to be carried out through the Provider’s Maintenance Agents or repairers to whom Your Vehicle should be taken. Repairs can only be made on presentation of the Plan Schedule and confirmation that Your Vehicle has been serviced in accordance with the servicing requirements detailed in Section 7 (Customer Requirements).
Please note: replacement of drive belts, filters, lubricants, antifreeze and fluids required because of the failure of an included part, is included in this Agreement. If a covered component failure causes damage to another covered component, We will repair or replace that part, but this excludes any damage which is cosmetic in nature.
The Administrator has the right to appoint an independent engineer to inspect Your Vehicle prior to any repair or replacement of part(s). The Administrator may, at its discretion, elect to agree with You a value for Your Vehicle where the parts and labour cost of the repair exceeds the market value of Your Vehicle at the time of failure. The same will apply where the parts needed for repair are no longer available.
All arrangements for Breakdown Assistance and relevant telephone calls will be handled by our chosen third party breakdown specialist (the Breakdown Provider). The Breakdown Provider or one of its contractors will attend Your Vehicle in the event of a valid request. We reserve the right to change the Breakdown Provider carrying out the services detailed within this Section 5.B at any time.
How to obtain assistance
If Your Vehicle has a breakdown, please follow these simple steps:
Roadside is available for the Vehicle detailed in Your Plan Schedule. Roadside operates in the United Kingdom only.
If You are stranded on a public highway (or other accessible road or area to which the public has the right of access) because the Vehicle has a breakdown, We will arrange for a contractor to assist You who will try to repair the Vehicle at the roadside.
Roadside includes labour at the scene of the breakdown but not labour at any garage to which the Vehicle is taken, unless such labour is covered under section 5.A (Maintenance Inspection and Repair) or 5.D (Routine Servicing) of this Agreement.
If the Vehicle cannot be repaired at the roadside, or if repairs are unwise, the Breakdown Provider will arrange for the Vehicle and up to 8 people to be taken to a destination of Your choice within ten miles. If You have no preferred destination, the Breakdown Provider will arrange for the Vehicle to be taken to a nearby garage. If You wish the Vehicle to be taken to any other destination, the Breakdown Provider will use reasonable endeavours to assist if You pay for the towage costs for the whole distance.
If You cannot readily get to the Vehicle, the Breakdown Provider will arrange, if practicable, to have it towed to a place of safety and stored until You can collect it.
Please note: The Breakdown Provider will not arrange to tow or transport any Vehicle, which, in their reasonable opinion, is loaded beyond its legal limit. If the Vehicle is in a position where the Breakdown Provider cannot arrange for work to be undertaken on it or tow it, or wheels have been removed, they can arrange to rectify this but You will have to pay the costs involved.
Roadside does not cover:
Recovery has the same features and limitations as Roadside but with the following variations:
If the Breakdown Provider cannot arrange for the Vehicle to be repaired locally within a reasonable time, they will arrange for the Vehicle and up to 8 people to be taken home or to another single address. If there are more than 5 people, this may require two separate vehicles. An adult must accompany any persons under the age of 16.
Recovery does not cover:
At Home allows You to use Roadside services within 1⁄4 mile of home or the place where You normally keep the Vehicle.
At Home does not cover:
General terms applying to Breakdown Assistance:
Nothing in this document gives You any rights against the Breakdown Provider.
If a repair to Your Vehicle has been authorised by the Administrator under this Agreement and the labour time exceeds 8 hours (as determined using Autodata) You may benefit from the costs for car hire for up to 7 days after the repair request has been authorised by the Administrator, at a maximum of £70 per day (inclusive of VAT) subject to the following conditions:
If a repair to Your Vehicle has been authorised by the Administrator under this Agreement, the labour time exceeds 8 hours (as determined using Autodata), You have not requested the Car Hire benefit detailed above and You are more than 50 miles from Your home address, You may benefit from:
Any service provider of the Additional Assistance benefits (including Car Hire and Overnight Accommodation / Onward Travel) must be VAT registered. You must obtain authority from the Administrator prior to making any bookings, keep all copies of receipts/invoices and submit them to the Administrator for payment.
Your benefits include Routine Servicing to be carried out by the Maintenance Agent at a maximum of every 12,000 miles or within each Maintenance Year (whichever is sooner).
We will base the number of services We include on the annual mileage provided by You at the time of purchase. If Your annual mileage is:
If Your annual mileage changes after the Start Date, then You can either:
This Agreement commences from the Start Date shown on Your Plan Schedule. It will continue for the life of the Vehicle provided You continue to pay each monthly Direct Debit Payment as it falls due and subject to adherence of these terms and conditions, specifically the requirements set out in Section 7 (Customer Requirements) below.
Your Direct Debit Payment will be fixed for the first 35 instalments. We will notify You in writing of Your renewal quote at least 30 days prior to the collection of the 35th instalment. Your Direct Debit Payment may be subject to an increase or decrease at renewal. If You decide not to renew then You may cancel this Agreement at any time in accordance with Section 11E (Cancellation). Your Direct Debit Payment will automatically renew at the amount detailed on the quote unless You contact Us to cancel the renewal.
Reduction to Cover
When Your Vehicle is 10 years old (beginning from date of 1st registration with DVLA) or the odometer reading exceeds 100,000 miles (whichever occurs first) then, if since the Start Date You have complied with the Customer Requirements (see Section 7):
You will still be required to comply with the Customer Requirements (see Section 7)
In order to maintain coverage under this Agreement You must:
In order for this Agreement to continue and for You to be able to continue to receive the benefits set out in Section 5, You must pay each Direct Debit Payment on time as set out in the Direct Debit Schedule. If You fail to make a Direct Debit Payment when due, We reserve the right to suspend or not provide the benefits set out in Section 5 of this Agreement. If you do not make the missed payment within 30 days from its due date then this Agreement will terminate.
The Direct Debit Payments due have been calculated using the current rates of VAT. If the rate of VAT should change, the Direct Debit Administrator may adjust the Direct Debit Payments to reflect the new rate of VAT. We will notify You in writing of any adjustment to Your Direct Debit Payments at least 30 days prior to the collection of the adjusted amount. If You decide not to continue with this Agreement due to the adjustment then You may cancel this Agreement at any time in accordance with Section 11E (Cancellation). Your Direct Debit Payment will automatically change to the amount notified to You and You agree to pay the adjusted payments unless You contact Us to cancel this Agreement.
You and Us acknowledge that the Direct Debit Administrator is entitled to collect the Direct Debit Payments and acts as agent for RAMP in relation to the collection of the Direct Debit Payments. We reserve the right to change the appointed Direct Debit Administrator at any time and will write to inform You prior to such a change.
For each Maintenance Year You must have a Service carried out by the Maintenance Agent. The Service must be taken within the Maintenance Year or 12,000 miles if sooner.
The manufacturer of Your Vehicle will have stated a recommended service schedule (details of which can be found in Your Vehicle’s service book).
If the manufacturer’s servicing intervals are less or more than every 12,000 miles then You can follow the manufacturer’s mileage intervals, provided that You submit Your Vehicle to Us for a service at least once per Maintenance Year. If following the manufacturer’s intervals by mileage means that You require more services than those detailed in 5.D, You can contact Us to amend Your Direct Debit Payments to include these. Alternatively, You are free to choose to acquire any necessary additional services Yourself outside of this Agreement at a VAT registered garage of Your choice (which may or may not be a Maintenance Agent).
You must keep all receipts and invoices. The Provider may request details of the service history at any time during the Agreement.
It is Your responsibility to ensure that the timing belt is changed in accordance with the manufacturer’s recommendations.
You must maintain any additional components specified by the Vehicle’s manufacturer as detailed in Your Vehicle service book that are not included within the Routine Servicing benefit. Such additional routine service items will not be covered by this Agreement and will need to be replaced at Your own expense.
This Agreement will end on the occurrence of any of the following:
The following are excluded from this Agreement:
The Lifetime Warranty (Maintenance Inspection and Repairs) benefit does not cover any repairs in the following circumstances:
How to arrange repairs:
The Administrator may authorise repairs immediately, call for other estimates, nominate another repairer, investigate the repair request further, insist on the use of factor or pattern parts, exchange or re-manufactured units, or appoint an independent assessor to inspect the Vehicle. The Administrator will assess repair times in line with Autodata’s* latest recommended repair times. *(Autodata is a third party publisher and supplier of technical information for automotive professionals)
The total value of the repair work completed during this Agreement period is limited to the Repair Limit as detailed on Your Schedule. The Provider may, at its discretion, elect to agree with You a value for Your Vehicle where the parts and labour cost of the repair exceeds the market value of Your Vehicle at the time of failure.
The cost of investigation work can only be authorised by You, and You will remain responsible for meeting that cost in the event that the repair is not covered by this Agreement.
Repair requests will be handled by the Administrator and We reserve the right to have Your Vehicle inspected by an independent engineer prior to any work being carried out.
You may be requested to provide details of the registered keeper and copies of the V5C (often known as the vehicle’s “log book”) at any time during this Agreement.
All invoices must be made out to Repair and Maintenance Plans Limited. All parts removed from Your Vehicle as part of the repair (to be replaced by new parts) will become the property of the Provider.
Gaining access to Your Vehicle You must allow Us free access to examine Your Vehicle at all times. If You make a repair request, We have the right to:
If, following specific arrangements for inspection, and through no fault of Ours, the assessor cannot inspect the Vehicle, for example, because the Vehicle is not available, then We reserve the right not to provide the repair.
A. Transfer: This Agreement can be transferred to the next private owner of Your Vehicle within 14 days of the date of the sale of the Vehicle by calling the Administrator on 0330 0947 230 to request a Transfer of Ownership. The transfer fee is £25 including VAT and payable by You. A transfer can only be made in the event of the Vehicle being sold by the registered keeper to another individual or company that is not a motor trader or retailer. If the individual or company is a motor trader or dealer this will result in termination of the Agreement (see Section 8 for details).
B. Telephone calls: Any call made in connection with Your Agreement may be monitored and/or recorded as part of training and quality assurance processes.
C. Misinformation: When applying for this Agreement or submitting a request You or anyone acting on Your behalf must take reasonable care to answer all questions honestly and to the best of Your/their knowledge. Failure to do so may affect the validity of Your Agreement, the provision of services or the payment of Your repair.
D. Governing Law: This Agreement is governed by the law of England and Wales.
If You have a complaint regarding this Agreement You should in the first instance, contact Customer Care using one of the following contact details: Email:firstname.lastname@example.org Telephone: 0330 0947 230 None of the above affects any right to legal action.
Data Protection Act 2018. For the purposes of the Data Protection Act 2018, the Data Controller in relation to information You supply is Hippo. The Data Processor is the Administrator who may share the information provided, together with other information, with organisations who are the Administrator’s business partners, suppliers or agents, for the purposes of customer services, order fulfilment and financial and account administration. The Administrator will not transfer the information You provide to any country outside of the United Kingdom or European Economic Area without firstly obtaining Hippo’s consent. When You have given Hippo information about another person, You confirm that they have authorised You to act for them, to consent to the processing and use of their personal data in the manner described in this notice and to receive on their behalf any data protection notice. You have the right to ask for a copy of Your information (for which Hippo or the Administrator may charge a small fee in accordance with data protection legislation) and to correct any inaccuracies. Hippo or the Administrator may monitor and/or record telephone calls for staff training and security purposes, and to improve the quality of services that is provided.
We expect more than 51% of our customers to achieve this rate.
|Loan Amount||Total Cost of Credit||Representative APR||60 Monthly Payments||Deposit Amount||Loan Term||Total Amount Payable|
|£7,500||£3831||19.1% APR||£188.85||£0||60 Months||£11,331|
All offers are subject to change at any time, you must be 18 or over and finance is subject to status, vehicle availability and terms and conditions apply. We can introduce you to a limited number of finance companies, a commission may be received. Failure to maintain payments may result in termination of your agreement and the vehicle being returned, this could affect your credit rating and make it more difficult to obtain credit in the future. All prices correct at time of publication.
We purchase a wide variety of vehicles from all over the country to ensure the best quality and value for our customers, all of our cars go through a thorough inspection process and if they do not meet our standards we do not sell them. We endeavour to inform our customers (where possible) the provenance of the vehicle they are buying and as such we will always inform you if the vehicle has previously been either an ex fleet or hire car. Should your vehicle be an ex hire/fleet car please do not be concerned as we would never value this vehicle differently when you come to part exchange it and there is no difference to the CAP valuation either.
You should try and estimate the distance you will travel as accurately as possible to try and avoid excess mileage charges at the end of your contract.
All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.
Hippo Vehicle Solutions t/a Hippo Motor Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a lender but this does not affect the interest charged on the agreement, all of which are set by the lender. Images for illustrative purposes only. Hippo Vehicle Solutions t/a Hippo Motor Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at www.fca.org.uk
We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at email@example.com . This does not affect your statutory rights.
We are a broker not a lender and our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB13NU.