AutoProtect provides vehicle warranty and insurance products throughout the UK, Europe and South America. It is 50% owned by an insurance group and 50% owned by management. AutoProtect offers various services to its dealer partners including business development support, integrated technology platforms, claims management, underwriting, compliance support, customer service, and marketing materials. The document provides details on each of these services areas and the benefits they provide to dealers. It also outlines AutoProtect's various mechanical breakdown insurance and warranty products and coverage options.

1. AutoProtect Presentation

2. ABOUT AUTOPROTECT
AutoProtect provides insurance products and dealer warranties to vehicle
manufacturers and retailers of all types and sizes throughout the UK, Europe and
South America.
AutoProtect is 50% owned by Capricorn Ventures International (CVI) the venture
capital arm of Hollard Insurance Group with the remaining 50% owned by
Management.
Hollard Insurance Group have been established for over 30 years and are the largest
independently owned insurance group in South Africa and have group net assets in
excess of £1 billion.
The partnership and strategy between CVI and the Management has been based on a
robust infrastructure thus creating a profitable strategy of growth and development.
Since 2004, leading manufacturers have awarded AutoProtect a variety of business,
and many of the AM Top 200 and over 3,000 independent vehicle retailers have
elected to carry products from our broad, flexible range.
The result being AutoProtect's continued growth.

3. ABOUT AUTOPROTECT
Today, the businesses we partner offer their customers award-winning products
created by a brand they trust. Hundreds of thousands of drivers are protected – the
owners of cars, caravans, coaches, motorcycles, motor homes, trucks and vans.
Only after in-depth consultation do we create customised business development
programmes designed to help our partners market the AutoProtect products they
select. From sales training to smooth integration and effective implementation with full
FCA-compliance, we assist at every stage.
To enhance customer satisfaction and retention, ongoing support is delivered by a
seamlessly integrated web-based system. We have made a substantial investment in
this responsive technology and we call it AutoProcess.
AutoProcess delivers incisive real-time reporting, so F&I performance is easily
measured and managed, and sales are significantly increased.
Underwriting is a great strength too. A-rated insurers trust AutoProtect to act swiftly
and surely on their behalf, securing accurate, competitive and sustainable premiums.
Claims are managed quickly and professionally. Customer services, founded on FCA
Treating Customers Fairly principles, provide a positive customer experience reflecting
well on our business partners.

4. SUPPORT SERVICES
How we support you
Our dealer partners find that working with AutoProtect adds significant value – in
terms of the way their business operates, the pace at which it grows and ongoing
levels of customer satisfaction and retention. Every service we offer is easy to
monitor, measure and, if need be, modify – in consultation with you of course.
We help with business development, sales team training, compliance, claims
management, marketing and customer services. We also provide responsive integrated
technology delivering real-time M.I. – not to mention class-A underwriting.
 Dealer Development
 Technology
– Policy registration
 Claims Management
 Underwriting
 Compliance
– Becoming an AR
 Customer Services
 Creative Services

5. DEALER DEVELOPMENT
With the largest and most capable dealer development team in the UK market, we
are here to help build your business. The AutoProtect development team have vast
experience in all areas and aspects of motor retailing. We make it our business to
truly understand your business, to support the delivery of aspirational income and
customer retention solutions.
Service Benefits
The AutoProtect Dealer Development team meets high client expectations by
providing a professional UK-wide service. Irrespective of the size of your business, the
AutoProtect team will deliver a personalised development programme designed to
meet your business needs.
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Sincere business partners.
A dedicated team built to strengthen your business.
A detailed preliminary assessment of your needs.
A flexible, innovative product portfolio.
Bespoke product training solutions.
Cohesive launch, integration and implementation processes.
Continual sales process review, enhancement and aftersales support.
Regular, informative and constructive business reviews
A framework for you to review our team performance.
We certify that our sales processes dovetail into your infrastructure and strictly
conform to Financial Conduct Authority (FCA) regulations.

6. TECHNOLOGY
Innovative technology lies at the heart of everything we do; our AutoProcess
platform and client support systems for example. Both make it easy for dealers and
manufacturers to sell AutoProtect products to their customers.
Our team includes application, database and reporting engineers, developers, business
analysts, system engineers, user experience and interface designers.
Service Benefits
AutoProcess helps you set up, manage and report on policy sales. The platform is
multilingual, and to get started, all you need is a browser and login credentials.
Features include but are not limited to:
 A powerful reporting suite providing insightful information about sales force
performance, product monthly sales figures, revenue totals, etc.
 A policy module with demands and needs functionality you can customise.
 An online signature signing system.
 Multi-skin and corporate branding options.
 Feature roll-outs and enhancements implemented every two weeks.
 Continuous developments made in response to your ongoing feedback.
Our best-in-class team of technology professionals continuously strive to enhance and
improve our client facing systems, making the policy sales process as easy as possible
for you.

7. CLAIMS MANAGEMENT
All of our claims managers are qualified vehicle engineers or have worked within the
parts and servicing departments of dealerships. So it is fair to say they understand
your business and the pressures you are under. Backed up as they are by dedicated
claims support administrators, it is also fair to say the service you get is exemplary –
from the teams here at our UK Head Office and throughout our multi-lingual, panEuropean network.
Service Benefits
We combine great efficiency with exceptional levels of service, delivered by a large
number of small teams who present a genuine ‘human face’ to valued partners across
Europe.
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Manufacturer-approved claims management expertise.
Equipped to settle approved claims without fuss within 24 hours.
Purchasing power to keep prices down.
Access to a national repair network (all vehicle price-points handled).
Links with suppliers of better priced, fully guaranteed parts.
Experienced claims engineers deliver a high quality and unrivalled service
We manage warranty claims of course, and claims on a wide range of products such as
GAP and SMART.
We also understand that our customers are your customers. So the service we provide
is founded on FCA-endorsed TCF principles, and the relationships we build are strong,
long-term and good for both our businesses.

8. UNDERWRITING
Our specialist underwriting team fully understand the need for "the prompt
response". Their management team is highly qualified. Of course. But it is the way we
work with A-rated insurers that really sets us apart. The trust they place in us has
led to being awarded binding authorities; the freedom to act swiftly and surely on
their behalf, securing accurate, competitive rates for motor industry partners
throughout Europe.
Service Benefits
If you want a quotation, real-time data analysis, ongoing support or all three, it is well
worth talking to the underwriting specialists at AutoProtect.
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Teams of experienced industry professionals.
Years of business-to-business service provision.
Exceptional working relationships with A-rated insurers.
Extensive MI reporting and data-mining provision.
Accurate underwriting rates based on real-time data analysis.
Absolute commitment to providing unparalleled levels of service.
We build long-term relationships with motor industry partners. All are based on a clear
understanding of their needs and an ability to meet those needs with innovative
insurance-related products.
For instance, we were first to introduce SMART Protect insurance in the UK and apply
the latest ABI good practice guidelines to our GAP product range. It is one of the most
compliant insurance products in the industry.
Today we serve some of the most respected brands in the market, and would love to
add your name to theirs.

9. COMPLIANCE
If you are in the business of insurance mediation, you must comply with the
regulatory requirements of the Financial Conduct Authority (FCA), formerly the
Financial Services Authority (FSA).
Those businesses that join our Appointed Representative (AR) network come under the
AutoProtect regulatory umbrella. All benefit from the knowledge and experience of our
compliance team, which helps with everything from application and sales
documentation to leaving a clear audit trail.
Service Benefits
Joining the AutoProtect AR network affords many business benefits. We aim to:
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take the hassle out of complying with FCA regulations.
provide solutions to any regulatory challenges arising.
make sure your sales staff undertake their regulatory tasks effectively.
deliver online training and competency assessments.
allow you to redirect resources into business development.
save you time and money.
With our help, you can make sure your customers understand better what they are
buying. In line with FCA directives, it is all about treating them fairly and, we hope,
increasing repeat business.
Our AR’s benefit from free Professional Indemnity Insurance for the activities they
undertake on our behalf. And if you have compliance-related queries about the sales
process or our products, we are only ever a phone call away.

10. CUSTOMER SERVICES
Here on the frontline at our UK head office, an experienced customer services team
focuses on putting its detailed knowledge of the company, its products and people at
your disposal, whether you are an automotive retailer, a manufacturer, or one of our
policy-holders.
Service Benefits
Every member of the customer services team holds a National Vocational Qualification
(NVQ) in administration. So no matter how many calls and emails they have to field,
they remain calm and helpful under pressure. All are trained to:
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respond to queries professionally and efficiently.
redirect any questions they can’t answer straight to someone who can.
remember at all times that your customers are our customers.
assist with policy amendments and transfers.
manage customer claims fairly and swiftly.
raise cheques/BACs payments within 24 hours of claim approval.
The customer services team is on duty from 9am to 5pm Monday through Friday,
except on bank holidays.
Our aim is to make sure all your dealings with AutoProtect are as straightforward as
possible, whether you have queries about a product, a service, a policy or a claim.

11. CREATIVE SERVICES
Our multi-disciplined team includes marketing specialists, designers, writers, web
developers and video production experts. Our aim is to provide clear, concise,
customer information to dealers and manufacturers who stock our product range.
Service Benefits
To make sure your customers understand the benefits of our products and to help you
sell them, we provide compelling printed and digital marketing communications.
 Eye-catching point of sale materials e.g. price
visors, headerboards, leaflets, posters, window stickers, floor-standing displays
and video collateral.
 Materials that sit comfortably alongside existing collateral.
 Materials that carry our branding or yours, whichever you prefer.
 Content to enhance your company website e.g. sales leaflet downloads
and marketing videos.
 Dedicated account managers who work closely with your team.
 An understanding that your customers trust your brand first.

12. OUR PRODUCTS
A refreshing approach to developing flexible F&I products your customers actually
want – that’s what sets AutoProtect apart. With the help of our support services,
your team will also find our extensive product range unusually easy to market and
sell.
Our evolving product selection offers your customers tangible benefits and real peace
of mind. Whether they want to protect themselves financially, against mechanical
failure or cosmetic wear-and-tear, your dealership can meet their needs with the
appropriate AutoProtect product.
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Mechanical Breakdown
Recovery
Guaranteed Asset Protection (GAP)
Return to Invoice (RTI)
Combined GAP and RTI
Recreational Vehicle Protection
Bike Protect
SMART/Alloy Wheel Insurance
MOT Test
Key Insurance
Misfuelling insurance
Tyre Insurance
Ceramic Coat Protection
Titanium
MotoGP Ceramic Coat
Service Plan
Premium Funding

13. MANAGING WARRANTIES
If you’re intending to manage your own warranty perhaps it’s worth a rethink….
We can save you money –
access to a nationwide network of repairers, parts suppliers and specialist resources
reduce your costs.
Let us manage your claims –
we have a team of over 30 dedicated claims managers.
Forget about admin headaches –
we have the I.T. and processes to make claims approval and payment straightforward.
We will give you your time back –
we are sure your precious time is better spent on growing your business, not dealing
with warranty claims.
Financial reporting at your fingertips –
we have they systems to ensure you know exactly the volume and cost of claims
made at any time.
AutoProtect can offer you two options which will make the management of your own
warranty considerably more cost effective and save you time.

14. MECHANICAL BREAKDOWN INSURANCE
What if?
Your customer’s car refuses to start or breaks down? Even the most reliable of
vehicles can let them down sometimes and cost a fortune to repair.
Our Mechanical Breakdown Insurance is designed to help with the cost of repairs,
including labour, VAT and replacement parts.
And when you consider that modern vehicles contain over 700 components, any of
which might fail over time, the impact on your pocket could be painful.
Why not let us foot the repair bill instead?
Significant benefits
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Day one cover.
European cover.
Forward transportation.
Overnight accommodation.
 Replacement vehicle hire.
 Roadside recovery.
 Unlimited claims.
 Unlimited mileage
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We have various cover levels in the AutoProtect insured product range:
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Essential.
Essential Plus.
Premier Plus.
Prestige.

15. MECHANICAL BREAKDOWN GUARANTEE
What if?
Your customer’s car refuses to start or breaks down? Even the most reliable of vehicles
can let them down sometimes, and cost a fortune to repair.
Our Mechanical Breakdown Guarantee is designed to help with the cost of repairs,
including labour, VAT and replacement parts.
And when you consider that modern vehicles contain over 700 components, any of
which might fail over time, the impact on your pocket could be painful.
Significant benefits
 Day-one cover
 Forward transportation
 Overnight accommodation
 Unlimited claims
 Unlimited mileage
 Transferable
We have various cover levels in the AutoProtect insured product range also known as
Customer Protect:
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Bronze Plus
Silver Plus
Gold
Platinum

16. ESSENTIAL
Parts included
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Engine
Manual gearbox
Automatic gearbox
Torque converter
Differential
Clutch
Front wheel drive
Rear wheel drive
Propshaft
Fuel system
Engine cooling system
Steering
Suspension
Brakes
Electrical system
Working materials
Optional parts
 Turbo charger

17. ESSENTIAL PLUS
Parts included
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Engine
Manual gearbox
Automatic gearbox
Torque converter
Differential
Clutch
Front wheel drive
Rear wheel drive
Wheel bearings
Optional parts
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Four wheel drive
Air conditioning
Turbo charger
Anti-locking brake system
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Fuel injection system
Propshaft
Fuel system
Engine cooling system
Steering
Front and rear suspension
Brakes
Electrical system
Working materials

18. PREMIER PLUS
All mechanical and electrical components are included against any mechanical
breakdown during the policy period.
Also includes
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Oil seals
Casings
Working materials
Air Conditioning System
Exclusions
Wear and tear, cracked or porous cylinder heads and blocks, burnt valves and any
skimming/pressure testing. Body, paint, glass, interior/exterior trim, key fobs and key
cards, in-car entertainment/communication systems and connected equipment
including satellite navigation, catalytic converters and diesel particulate filters, wheels,
airbag and system, electrical wiring, wiring looms and cables, brake seizure and
corrosion.

19. PRESTIGE
All the coverage of Premier Plus - All mechanical and electrical components are
included against any mechanical breakdown during the policy period.
Also includes
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Wear and tear
Multimedia systems
In-car entertainment
Catalytic converters
Exclusions
Cracked or porous cylinder heads and blocks, burnt valves and any skimming/pressure
testing. Body, paint, glass, interior/exterior trim, key fobs and key cards, diesel
particulate filters, wheels, airbag and system, electrical wiring, wiring looms and cables,
brake seizure and corrosion.

20. BRONZE PLUS
Parts included
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Engine
Manual gearbox
Automatic gearbox
Torque converter
Differential
Clutch
Front wheel drive
Rear wheel drive
Propshaft
Fuel system
Engine cooling system
Steering
Suspension
Brakes
Electrical system
Working materials
Optional parts
 Turbo charger

21. SILVER PLUS
Parts included
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Engine
Manual gearbox
Automatic gearbox
Torque converter
Differential
Clutch
Front wheel drive
Rear wheel drive
Wheel bearings
Optional parts
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Four wheel drive
Air conditioning
Turbo charger
Anti-locking brake system
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Fuel injection system
Propshaft
Fuel system
Engine cooling system
Steering
Front and rear suspension
Brakes
Electrical system
Working materials

22. GOLD
All mechanical and electrical components are included against any mechanical
breakdown during the warranty period.
Also includes
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Oil seals
Casings
Working materials
Air Conditioning System
Exclusions
Wear and tear, cracked or porous cylinder heads and blocks, burnt valves and any
skimming/pressure testing. Body, paint, glass, interior/exterior trim, key fobs and key
cards, in-car entertainment/communication systems and connected equipment
including satellite navigation, catalytic converters and diesel particulate filters, wheels,
airbag and system, electrical wiring, wiring looms and cables, brake seizure and
corrosion.

23. PLATINUM
All the coverage of Premier Plus - All mechanical and electrical components are
included against any mechanical breakdown during the warranty period.
Also includes
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Wear and tear
Multimedia systems
In-car entertainment
Catalytic converters
Exclusions
Cracked or porous cylinder heads and blocks, burnt valves and any skimming/pressure
testing. Body, paint, glass, interior/exterior trim, key fobs and key cards, diesel
particulate filters, wheels, airbag and system, electrical wiring, wiring looms and cables,
brake seizure and corrosion.

24. COMMERCIAL PROTECT
AutoProtect’s most successful export is its commercial vehicle warranties. These
products are used by major manufacturers and used vehicle dealers across the UK,
Europe and South America.
Significant benefits
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Day one cover.
European cover.
Forward transportation.
Overnight accommodation.
Replacement vehicle hire.
Roadside recovery.
Unlimited claims.
Unlimited mileage.
Exclusions
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Damage caused by wear and tear.
Damage caused by neglect, corrosion, lack of servicing or deterioration.
Service items.
Faults reported more than 14 days after discovery.
Faults at point of sale and manufacturer defects.
Vehicles used for hire and reward or any type of competition or race.
Vehicles which are non-standard, customised or modified.

25. COMMERCIAL PROTECT
What if?
Your customer’s van, truck or coach refuses to start or breaks down? Even the most
reliable of vehicles can let them down sometimes, and cost a fortune to repair.
Commercial Protect is designed to help with the cost of repairs, including labour, VAT
and replacement parts.
And when you consider that modern vehicles contain over 700 components, any of
which might fail over time, the impact on your customer’s pocket could be painful.
Significant benefits
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Day one cover.
Transferable
Unlimited claims.
Unlimited mileage.
Exclusions
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Damage caused by wear and tear.
Damage caused by neglect, corrosion, lack of servicing or deterioration.
Service items.
Faults reported more than 14 days after discovery.
Faults at point of sale and manufacturer defects.
Vehicles used for hire and reward or any type of competition or race.
Vehicles which are non-standard, customised or modified.

26. COMMERCIAL PROTECT – LEVEL ONE
Parts covered
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Engine
Cooling system
Manual transmission
Automatic transmission
Turbo charger
Retarder
Rear axles
Front wheel drive
Propshafts
Starter Motor
Alternator

27. COMMERCIAL PROTECT – LEVEL ONE
Parts covered
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Engine
Cooling system
Manual transmission
Automatic transmission
Turbo charger
Retarder
Rear axles
Front wheel drive
Propshafts
Starter Motor
Alternator

28. COMMERCIAL PROTECT – LEVEL TWO
Parts included
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Engine
Cooling system
Manual transmission
Automatic transmission
Clutch
Front wheel drive
Rear axles
Four wheel drive
Propshafts
Electrics
Fuel system
Steering
Braking system
Cab components
Turbo charger
Engine Management (ECU)
Suspension
Retarder

29. COMMERCIAL PROTECT – LEVEL TWO
Parts included
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Engine
Cooling system
Manual transmission
Automatic transmission
Clutch
Front wheel drive
Rear axles
Four wheel drive
Propshafts
Electrics
Fuel system
Steering
Braking system
Cab components
Turbo charger
Engine Management (ECU)
Suspension
Retarder

30. COMMERCIAL PROTECT – LEVEL THREE
All mechanical and electrical components are included against any mechanical
breakdown during the policy period.
Also includes
 Oil seals
 Casings
Exclusions
Body, paint, glass, interior/exterior trim, entertainment/communication systems and
connected equipment including satellite navigation. Cracked or porous cylinder heads
and bores, skimming/pressure testing, burnt valves, catalytic converters and diesel
particulate filters, Selective Catalytic Reduction (SCR), AdBlue controls, wheels, airbag
and system, electrical wiring and wiring looms. Wear and tear/service items and other
components subject to routine maintenance or periodic repair or replacement such as
plugs, HT leads, brake frictional material, clutch facings, wiper blades/rubbers, auxiliary
belts, hoses, pipes, cables, light bulbs/units, batteries, tyres and exhaust systems.

31. COMMERCIAL PROTECT – LEVEL THREE
All mechanical and electrical components are included against any mechanical
breakdown during the warranty period.
Also includes
 Oil seals
 Casings
Exclusions
Body, paint, glass, interior/exterior trim, entertainment/communication systems and
connected equipment including satellite navigation. Cracked or porous cylinder heads
and bores, skimming/pressure testing, burnt valves, catalytic converters and diesel
particulate filters, Selective Catalytic Reduction (SCR), AdBlue controls, wheels, airbag
and system, electrical wiring and wiring looms. Wear and tear/service items and other
components subject to routine maintenance or periodic repair or replacement such as
plugs, HT leads, brake frictional material, clutch facings, wiper blades/rubbers, auxiliary
belts, hoses, pipes, cables, light bulbs/units, batteries, tyres and exhaust systems.

32. CARAVAN PROTECT
Caravan Protect is designed specifically to run alongside the existing manufacturer’s
warranty period to ‘top-up’ their body warranty and extend major internal
component cover to provide total peace of mind for the full duration of the
manufacturer’s warranty, which could be up to five years.
Significant benefits
This policy covers electrical and mechanical components as well as glass, reinforced
plastic and plastic panels, fitted as part of the manufacturer’s original specification but
excludes water ingress and delamination.
Exclusions
Caravans:
 which have been modified in any way from the manufacturer's specification and any
make of Caravan not built for principal sale in the UK
 which are owned temporarily or otherwise (resulting from trade-in or acquisition for
the purposes of resale) by a business formed for the purposes of selling or servicing
 Caravans used for private hire, or caravans used for any competitive event.

33. MOTORHOME PROTECT
Motorhome Protect is designed to help with the cost of repairs, including labour, VAT
and replacement parts.
Silver – listed component
Gold – covers ALL electrical and mechanical components
Significant benefits
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Day-one cover.
European cover.
Forward transportation.
Overnight accommodation.
Replacement vehicle hire.
Unlimited claims.
Unlimited mileage.
For an additional fee it also includes Motorhome Assist.
Exclusions
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Damage caused by wear and tear.
Damage caused by neglect, corrosion, lack of servicing or deterioration.
Service items.
Faults reported more than 14 days after discovery.
Faults at point of sale and manufacturer defects.
Vehicles used for hire and reward or any type of competition or race.
Vehicles which are non-standard, customised or modified.

34. MOTORHOME PROTECT
Motorhome Protect is designed to help with the cost of repairs, including labour, VAT
and replacement parts.
Silver – listed component
Gold – covers ALL electrical and mechanical components
Significant benefits
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Day-one cover.
Transferable.
Unlimited claims.
Unlimited mileage.
For an additional fee it also includes Motorhome Assist.
Exclusions
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Damage caused by wear and tear.
Damage caused by neglect, corrosion, lack of servicing or deterioration.
Service items.
Faults reported more than 14 days after discovery.
Faults at point of sale and manufacturer defects.
Vehicles used for hire and reward or any type of competition or race.
Vehicles which are non-standard, customised or modified.

35. TOURER PROTECT AND TOURER PROTECT PLUS
Tourer Protect
Tourer Protect is designed for caravans that have exceeded their manufacturer
warranty and owners that wish to protect their caravan for a longer period of time.
This policy covers many major electrical and mechanical components, fitted as part of
the manufacturer’s original specification. Also includes water ingress cover for
caravans under seven years old.
Tourer Protect Plus
Tourer Protect Plus covers ALL electrical and mechanical components as well as
glass, reinforced plastic (GRP) and plastic panels, fitted as part of the manufacturer’s
original specification, including water ingress and delamination.
Exclusions
Tourers:
 which have been modified in any way from the manufacturer's specification and any
make of Caravan not built for principal sale in the UK
 which are owned temporarily or otherwise (resulting from trade-in or acquisition for
the purposes of resale) by a business formed for the purposes of selling or servicing
 Caravans used for private hire, or caravans used for any competitive event.

36. BIKE PROTECT
Bike Protect is designed to help with the cost of repairs, including labour, VAT and
replacement parts.
Significant benefits
 All mechanical and electrical components are included against any mechanical
breakdown occurring during the policy period, provided that the terms and
conditions of this agreement are fully complied with.
 Motorcycle replacement.
 Motorcycling abroad.
 Day-one cover.
 Unlimited claims.
 Unlimited mileage.
 Includes Bike Protect Assist
 Includes Bike MOT Test
Exclusions
General: All body panels including covers, cowlings, fairings, windshield, paintwork,
trims and seat. Routine replacement of parts such as lubricants and control cables.
Adjustments or any other parts which deteriorate during normal usage.

37. MOTORCYCLE PROTECT
Bike Protect is designed to help with the cost of repairs, including labour, VAT and
replacement parts.
Significant benefits
 All mechanical and electrical components are included against any mechanical
breakdown occurring during the warranty period, provided that the terms and
conditions of the agreement are fully complied with.
 Day-one cover.
 Transferable.
 Unlimited claims.
 Unlimited mileage.
Exclusions
General: All body panels including covers, cowlings, fairings, windshield, paintwork,
trims and seat. Routine replacement of parts such as lubricants and control cables.
Adjustments or any other parts which deteriorate during normal usage.

38. RECOVERY
AutoProtect, through its partner Call Assist, is able to offer a 24/7 breakdown
recovery service. This can be provided to customers as a standalone product or
alongside our warranty product range.
Significant benefits
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Operate 24 hours a day, 7 days a week, 365 days a year.
Controllers are trained to the highest degree and are backed by the latest computer
technology and mapping facilities.
Fully trained network of Recovery Operators throughout the United Kingdom and
mainland Europe.
Alternative travel arrangements whilst your customer’s vehicle is being repaired.
Emergency overnight accommodation.
Recovery of caravans and trailers attached to your customer’s vehicle
Message service.
Exclusions
Any repairs undertaken by a Recovery Operator at their premises are provided under a
separate contract, which is between you and the garage.

39. CUSTOMER PROTECT ASSIST
Customer Protect, through its partner Call Assist, are able to offer a 24/7 breakdown
recovery service. This can be purchased as a standalone product or alongside our
warranty product range.
Significant benefits
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
Operate 24 hours a day, 7 days a week, 365 days a year.
Controllers are trained to the highest degree and are backed by the latest computer
technology and mapping facilities.
Fully trained network of Recovery Operators throughout the United Kingdom and
mainland Europe.
Alternative travel arrangements whilst your customer’s vehicle is being repaired.
Emergency overnight accommodation.
Recovery of caravans and trailers attached to your customer’s vehicle
Message service.
Exclusions
Any repairs undertaken by a Recovery Operator at their premises are provided under a
separate contract, which is between you and the garage.

40. ASSET PROTECTION
The choice between GAP and RTI depends on how your customer originally
purchased the vehicle.
If they have paid for the car outright, they will need our Return To Invoice (RTI)
insurance to ensure they get back what they paid for the vehicle in the event of a claim.
If your customer is paying for the car on a finance agreement, then our Guaranteed
Asset Protection (GAP) insurance will make sure that if their insurance payout falls
short, they won’t be left with the outstanding finance that they owe. Of course, this is
subject to the terms and conditions contained in the policy document.
Our Combined GAP and RTI insurance incorporates Return to Invoice Cover (RTI) and
Guaranteed Asset Protection (or GAP) and could pay out the greater of either the RTI
or GAP pay-out, protecting your customer whatever their circumstance.

41. GUARANTEED ASSET PROTECTION
Designed to provide financial protection if they have taken out a finance agreement
to fund the purchase of their car.
Significant benefits
 Provides financial protection if the customer has used finance to purchase their
vehicle
 GAP policy may pay the difference between the amount paid out by the motor
insurance provider and any outstanding finance on their car.
 Meets the ABI code of practice.
 Transferable.
 Cancellable.
 No debit back guarantee.
Alternative products available for:
 Taxi.
 Hire and Reward.
 Prestige Vehicles.
Exclusions
Vehicles:
 used for hire or reward, taxis, racing, pace-making, speed testing, reliability trials,
rallying or vehicles used for any other competitive event; or
 over 3500kgs gross vehicle mass (GVM).

42. RETURN TO INVOICE (RTI)
Designed to protect the purchase price of your customer’s vehicle for a 36 month
period, i.e. protect the amount originally used to purchase the vehicle.
Significant benefits
 Provides financial protection if the customer has paid for their vehicle outright.
 May pay the difference between the amount paid out by the motor insurance
provider and the invoice price of the vehicle.
 Meets the ABI code of practice.
 Transferable.
 Cancellable.
 No debit back guarantee.
Also available for:
 Taxi
 Hire and Reward
 Prestige vehicles
Exclusions
Vehicles:
 used for hire or reward, taxis, racing, pace-making, speed testing, reliability trials,
rallying or vehicles used for any other competitive event; or
 over 3500kgs gross vehicle mass (GVM).

43. COMBINED GAP AND RTI
Incorporates Return to Invoice Cover (RTI) and Guaranteed Asset Protection (or
GAP).
Combined GAP and RTI insurance could pay out the greater of either the RTI or GAP
pay-out, protecting your customer whatever their circumstance.
Significant benefits
 RTI Cover could reimburse any difference between the road risk insurance
settlement and original vehicle price.
 GAP is suited to customers taking out a finance agreement and may pay the
difference between the road risk insurance settlement and the amount your
customer still owes.
 Meets the ABI code of practice.
 Transferable.
 Cancellable.
 No debit back guarantee.
Also available for:
 Taxi
 Hire and Reward
 Prestige vehicles
Exclusions
Vehicles:
 used for hire or reward, taxis, racing, pace-making, speed testing, reliability trials,
rallying or vehicles used for any other competitive event; or
 over 3500kgs gross vehicle mass (GVM).

44. MOTORCYCLE COMBINED GAP AND RTI
Incorporates Return to Invoice Cover (RTI) and Guaranteed Asset Protection (or
GAP).
Combined GAP and RTI insurance could pay out the greater of either the RTI or GAP
pay-out, protecting your customer whatever their circumstance.
Significant benefits
 RTI Cover could reimburse any difference between the road risk insurance
settlement and original vehicle price.
 GAP is suited to customers taking out a finance agreement and may pay the
difference between the road risk insurance settlement and the amount your
customer still owes.
 Meets the ABI code of practice.
 Transferable.
 Cancellable.
 No debit back guarantee.
Exclusions
Vehicles:
 used for hire or reward, taxis, racing, pace-making, speed testing, reliability trials,
rallying or vehicles used for any other competitive event; or
 over 3500kgs gross vehicle mass (GVM).

45. GAP TESTIMONIALS
Nigel Daniel - Insurance Manager
FGA Capital Ltd
The introduction of the ABI's Good Practice Guides for GAP Insurance has presented
the opportunity to review our insurance offering. In doing so, we have appointed an
AutoProtect, with whom we already have experience, having worked with them to
develop and market our SMART insurance programme; which is proving very
successful for dealers. AutoProtect has many years of experience in the GAP area of
business, with a number of major dealer groups included in their portfolio. Their
approach to embracing regulation and best practice in a manner that is both customer
and dealer centric impressed us and we are looking forward to a long term relationship
with them.
Chris Wiseman - Operations Director
Wessex Garages
As the F and I market becomes more dependent on Insurance products, GAP and RTI
play an increasing part in securing this profit centre. AutoProtect highlighted the real
risk of commission debit back and provided us with an ideal solution.
Edward Ellis - Head of F&I, Training and Compliance
Sinclair Group
As a partner of the Sinclair Group for several years, the recent innovation to comply
with the ABI guidelines further substantiates my choice of AutoProtect as my GAP
Insurance partner. Our philosophy is and always has been to “treat customers fairly”
and this product fully supports this culture. AutoProtect’s pro-active approach with
regard to this product allowed me to be several steps ahead in my planning and
preparation for the new guidelines.
Gavin Cleverly - Director
Mon Motors Group
For years GAP has been seen as a pretty much universal product and all power to
AutoProtect for creating something that bit better. It is the sort of imaginative
approach we need to keep things fresh, especially since it is an innovation that protects
our bottom line.

46. PAINT PROTECTION
The concept of paint protection products has been established for many years and
has proved a valuable product for dealerships/retailers across the world.
However, the rapid development and introduction of new paint technologies has not
been matched by improvements in paint protection technology.
This has changed with the introduction of Ceramic Coat, a new generation of paint
protection. Ceramic Coat Protection has been specifically designed to work on all the
latest automotive paint finishes and clear varnishes being developed.
AutoProtect also offer their own branded paint protection product, Titanium, providing
the same quality and value as other leading brands.

47. CERAMIC COAT
AutoProtect is the exclusive UK distributor of the Williams Formula One team
branded paint protection product, Ceramic Coat. The Williams brand is key to
demonstrating that this particular product comes highly recommended and has
significant customer recognition and authority.
It shields the paintwork, the alloys, the bumpers, the glass (except front and rear
screens) even interior surfaces and fabrics. For five years. Guaranteed.
A gleaming exterior
 Bonds with the pores in the paintwork to form an extremely durable, crystal clear
finish that needs no maintenance except washing.
 It saves time, money and elbow-grease!
A spotless interior
When combined with an innovative interior protection system, Ceramic Coat also
shields the surfaces and fabrics inside the vehicle. It makes everyday spills, dirt and
grime easier to remove.
Exclusions
 Neglect or lack of maintenance and reasonable care and cleaning of the vehicle in
line with manufacturing guide lines.
 Malicious or accidental damage including fire, floodwater, extreme weather
conditions and secondary effects resulting from any of the foregoing.

48. TITANIUM
AutoProtect offer their own branded paint protection product providing the same
quality and value as other leading brands.
Introducing Titanium Paint Protection – this revolutionary treatment penetrates
paintwork and bonds with the finish, providing a tough, long-lasting barrier with an
enhanced lustre and brightness of depth to protect your customer’s paintwork.
Significant benefits
 Forms an impenetrable, invisible barrier protecting paintwork from acid rain,
solvents, tree sap and animal matter.
 Whether washed by hand or machine, dirt and grime is easily removed leaving a
showroom finish time after time.
 Once applied by our skilled professionals there is nothing for them to do except
enjoy the showroom finish, which is guaranteed to last at least three years.
Exclusions
 Damage by road traffic accidents, vandalism, road stones, kerb damage, fire, rust
corrosion from the inside out, or rust caused by surface damage.
 Scratches, general wear and tear and/or damage caused by owner.
 Any alterations, modifications or panels repainted after the application of the
exterior paint sealant.
 Any exterior painted surface, which is or becomes damaged by the use of abrasive
polishes, acid wheel cleaners or cutting agents by the owner after application of the
exterior paint sealant.
 Industrial fall out, acid rain, bird lime, tree sap, brake fluid or battery acid.

49. MOTO GP CERAMIC COAT
MotoGP Ceramic Coat protects all external paintwork and plastics. For three years.
Guaranteed.
All that is required is that the customer takes reasonable care of their motorbike. This
warranty is unique in the marketplace as no additional treatments are required after
initial application (unless the motorbike is damaged or paintwork is repaired).
A gleaming exterior
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Cutting edge formulation developed by NASA.
Can be applied to new and used motorbikes.
Maintains and restores showroom condition.
Resists UV light, cold, frost, acid rain, exhaust fumes and solvents.
Saves time, money and elbow-grease!
Exclusions
 Neglect or lack of maintenance and reasonable care and cleaning of the vehicle in
line with manufacturing guide lines.
 Malicious or accidental damage including fire, floodwater, extreme weather
conditions and secondary effects resulting from any of the foregoing.

50. SMART PROTECT
SMART Protect is a recent introduction into the AutoProtect product range. It
enables your customer to maintain the appearance of their vehicle, should their
vehicle suffer minor damage, without effecting their no claims bonus.
Significant Benefits
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Chips, dents, scuffs and light scratches are covered with SMART Protect.
Making a claim does not affect no claims bonuses.
One call is all it takes to summon an expert repair technician.
No website, no forms to complete and no complications.
Repairs carried out at your customer’s home or at work, at their convenience.
Self-repair option.
Should your customer come to sell, retail value is optimised.
Work guaranteed for 3 years.
Our SMART repair service is manufacture approved and sets the industry standard.
Exclusions
 Beading, moulding, locks and handles and any repair involving wheels, accessories,
door mouldings, window mouldings, lamps of any sort or any window panel, cracked
or dented bumpers.
 Damage incurred prior to inception or damage resulting in the replacement of any
body panel of the vehicle.
 Damage caused to matt finish, custom, individual or pearlescent paintwork.

51. ALLOY WHEEL PROTECTION
Alloy Wheel insurance was added to the AutoProtect range to complement SMART
Protect and Tyre insurance and is often combined with either, or both, of these two
products. Similar to SMART Protect, it enables a customer to maintain the
appearance of their alloys, should they suffer minor damage, without affecting their
no claims bonus.
Significant benefits
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Kerbing and scuffing to alloy wheels is covered.
Making a claim does not affect no claims bonuses.
One call is all it takes to summon an expert repair technician.
No website, no forms to complete and no complications.
Repairs carried out at your customer’s home or at work, at their convenience.
Self-repair option.
Should your customer come to sell, retail value is optimised.
Our repair service is manufacturer approved and sets the industry standard.
Exclusions
 Liability cover.
 Individual or customer paint finishes.
 Chrome effect finish, diamond cut or split rim construction wheels.
N.B. Alloy Wheel Protection can only be used in conjunction with SMART Protect and
Tyre Insurance.

52. MOT TEST INSURANCE
MOT Insurance offers an excellent opportunity to improve customer retention rates
within your workshop. The customer receives a guarantee that, following an MOT
test failure due to one of the listed parts, that part will be replaced. AutoProtect can
offer both insured and uninsured MOT test options.
Parts included
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Headlamp aim (including mechanisms).
Front and rear lamps (electrical circuits).
Stop lamps (electrical circuits).
Rear reflectors.
Wheel bearings.
Steering control.
Front suspension.
Power steering.
Drive shafts.
Indicators (electrical circuits).
Hazard lamps (electrical circuits).
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Steering mechanism/system.
Service brake performance.
Parking brake performance.
ABS warning system.
Fuel parts.
Seatbelt mountings.
Seatbelt condition.
Rear suspension.
Shock absorbers.
Horn.
Exclusions
More than one claim in any one period of insurance.
The cost of the MOT test or the cost of any re-test and labour or parts necessitated by
failing a re-test.
Work necessitated in order to pass an MOT test caused by corrosion, fire, frost.
Registration plates, wheels/tyres, wiper blades, glazing, doors, boot lid, loading doors,
bonnet, general condition of body, vehicle structure, exhaust systems.

53. MOT TEST GUARANTEE
MOT Test Guarantee offers an excellent opportunity to improve customer retention
rates within your workshop. The customer receives a guarantee that, following an
MOT test failure due to one of the listed parts, that part will be replaced.
Parts included
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Headlamp aim (including mechanisms).
Front and rear lamps (electrical circuits).
Stop lamps (electrical circuits).
Rear reflectors.
Wheel bearings.
Steering control.
Front suspension.
Power steering.
Drive shafts.
Indicators (electrical circuits).
Hazard lamps (electrical circuits).
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Steering mechanism/system.
Service brake performance.
Parking brake performance.
ABS warning system.
Fuel parts.
Seatbelt mountings.
Seatbelt condition.
Rear suspension.
Shock absorbers.
Horn.
Exclusions
More than one claim in any one period of insurance.
The cost of the MOT test or the cost of any re-test and labour or parts necessitated by
failing a re-test.
Work necessitated in order to pass an MOT test caused by corrosion, fire, frost.
Registration plates, wheels/tyres, wiper blades, glazing, doors, boot lid, loading doors,
bonnet, general condition of body, vehicle structure, exhaust systems.

54. TAXI PROTECT
What if...
...your customer’s taxi refuses to start or breaks down? Even the most reliable of
vehicles can let them down sometimes, and cost a fortune to repair.
Add to that the loss of earnings having their taxi off the road, and the financial loss
could be considerable.
Parts covered
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Engine
Manual gearbox
Automatic gearbox
Torque converter
Differential
Clutch
Front wheel drive
Rear wheel drive
Wheel bearings
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Fuel injection system
Propshaft
Fuel system
Engine cooling system
Steering
Front and rear suspension
Brakes
Electrical system
Working materials

55. KEY INSURANCE
If your customer’s keys are lost or stolen, Key Protection Insurance from AutoProtect
can help.
Significant benefits
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24-hour, nationwide coverage, 365 days a year
coverage for keys that go astray abroad
a reward paid directly to the person who finds your customer’s keys
payment towards replacing keys or vehicle locks
car hire for three days
payment towards a call-out charge if your customer’s keys are locked in their vehicle
or break in the lock
Exclusions
 Lock replacement when only parts need changing.
 Malicious damage, acts of vandalism or malicious theft.
 Damage to locks by wear and tear, mechanical or electrical breakdown, cleaning,
repairing, restoring or anything which happens gradually.

56. TYRE INSURANCE
Motorists often forget about insuring their tyres. We, at AutoProtect, believe they
are one of the most important parts. After all, they are in constant contact with the
road and therefore are subjected to the most wear.
Significant benefits
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Covers accidental or malicious damage and punctures.
Includes all five tyres, including the spare.
Covers tyres for up to 36 months from policy purchase date.
Can cover run flat tyres.
Exclusions
There will be no cover under the policy for:
 More than 5 tyre claims during the period of insurance.
 Wear and tear generally, including unevenly worn tyres caused by defective steering
or wheel balance, failure of a suspension component and/or faults caused from a
lack of maintenance, e.g. incorrect tyre pressures.
 Damage caused by fire, a road traffic accident or where vehicle is a total loss.
 Tyres that have been stolen.

57. MISFUELLING INSURANCE
Believe it or not, misfuelling is an easy mistake to make, especially if in a rush, or the
owner has just changed the car. And the consequences for your customer’s engine
and your customer’s pocket can be serious.
Significant benefits
If they fill the vehicle with the wrong kind of fuel, this policy offers:
 Recovery - The cost of recovering the vehicle to the nearest repairer.
 Replacement vehicle - The insurer will pay for repairs to be made, should the vehicle
be damaged as a result of misfuelling.
 Repair - Cover to refill the vehicle with the correct fuel once repairs have been
carried out
 Replacement fuel - Cover to refill the vehicle with the correct fuel once repairs have
been carried out
Exclusions
The only vehicles that don’t qualify for this cover are:
 commercial vehicles that exceed 3.5 tonnes
 taxis or private hire vehicles.

58. SERVICE PLAN
As you would expect from AutoProtect, the leading provider of F & I products to the
European motor industry, our service plan system stands out from the crowd
and includes a whole host of extra benefits helping dealers of all types to focus their
customer retention efforts.
Significant benefits
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Customer reward and loyalty programme management
Automated email and SMS text communications
Integration of products other than servicing
Dealer fund holding option
AutoProtect call centre back up
Personalised keyfob
The software to back it all up
Extensive system training and support

59. PREMIUM FUNDING
AutoProtect offers Premium Funding across their entire product range.
Your ability to provide fund payments over nine months will smooth your sales process
and increase product take up. Premium Funding is key when packaging multiple
products into ‘Total Care Packs’, thus making them infinitely more affordable.
Significant benefits
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Available to both cash and finance customers.
Credit reference check.
20% credit/debit card deposit to be paid by customer.
Interest Free product.
Example

60. CONTACT US
I.T. Support
Tel: 0871 384 1167 (option 4)
Claims Hotline Number
0871 384 1168
Contact times
Monday-Friday 9.00am -5.00pm
Saturday 9.00am- 1.00pm

61. AutoProtect (MBI) Limited, Warwick House, Roydon Road, Harlow, Essex CM19 5DY
Tel: 0871 384 1167
Email: info@autoprotect.net
Web: www.autoprotect.co.uk