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About Total Loss Gap
Can I buy Gap for my Motorbike?No at present Total Loss policies do not cover motorbikes.
Can I buy Total Loss for my Motorhome?No sorry at present Total Loss policies do not cover motorhomes.
Can I cancel my policy?Yes you can cancel at any time, please see our cancellation and cooling off page in the legal section.
Can I claim more than once on my GAP Insurance?No. Once you have claimed on your GAP Insurance the policy is spent. If you replace your vehicle with another, then a new policy would be required if you wished to have GAP Insurance cover for that vehicle.
Changing Registration Numbers?If you are putting a private plate on your vehicle simply let us know when DVLA have said it is "ok" to change your number plates. We can amend your policy and issue new documentation. Please note this is a free of charge service.
Do you charge for paying with credit cards?No, you can pay using a credit card at no extra charge. You can also pay using American Express at no additional charge.
How can I pay for my policy?You can pay for your policy with a credit, debit card or even American Express at no extra charge, PayPal, Bank transfer. If you would like to pay in monthly instalments, simply call a member of the team on 0800 195 4926 | 0151 647 7556.
How many monthly payment are there?If you pay monthly you will need to pay a small deposit payment. Your first instalment will normally be 10-14 days later and then this will be followed by a further 11 equal instalments. This means that there will be a total of 12 monthly instalments however your cover will continue until the end of your policy.
I have a contract hire vehicle.If you have a contract hire vehicle as full ownership can not pass directly to you should you ever need to make a claim then settlement would be based on the amount outstanding on finance only.
I have a private plate.No problem simply register your policy using the registration number which is currently on your vehicle. When DVLA give you authorisation to use your number plate simply contact us and we can amend your policy completely free of charge.
I have moved address.No problem simply contact a member of the team who will update your policy. This normally takes just a few minutes and is complete free of charge.
Is my policy backed by the FSCS?Yes. The Insurer is covered by the Financial Services Compensation Scheme, established under the Financial Services and Markets Act 2000 (the “Compensation Scheme”). If the Insurer is unable to meet their obligations under this insurance, an Insured Person may be entitled to compensation from the Compensation Scheme .
Is the price per year?No providing that you have adjusted the number of years then the price on screen is for the full term of your policy.
Is there a charge for paying monthly?Yes. The company we use to provide our monthly payment option is called Premium Credit. They charge a 10% charge for paying monthly with a minimum payment of £15.00.
What happens if I pay monthly?You will be asked to give your details including your bank account and sort code. Premium Credit the company that provide the funding will then either write or email to confirm that you are aware of the agreement and then normally 10-14 days later your first deposit instalment will be taken. Your regular monthly payment will then be on the same day of the month that you purchased your policy.
What is a claim limit?Some gap insurance policies have a claim limit. This means that maximum amount that your gap insurance will pay on top of what ever your insurance company offer you in settlement. But this means that you have to guess how much or how little your vehicle may be worth. At Total Loss we don't think that this is fair so we simply do not have one. You policy will simply pay what ever it needs to. Please note that if you are buying a contract hire vehicle with a monthly rental of over £500 per month then your claim limit will be limited to £25,000.
What is the maximum policy term?The maximum length of cover is 5 years. This means that if you are deferring the start date the maximum would be a four year deferred.
What is your address?Our address is, Aequitas House, 56 Hamilton Square, Birkenhead, Wirral, CH41 5AS.
What is your FCA number?Our FCA Number is 821163
What is your ICO registration NumberOur ICO registration number is Z2455374.
Who underwrites your insurance policy?Total Loss Gap Insurance policies purchased before February 2016 are underwritten by UK General Insurance (Ireland) Limited. Policies purchased between February 2016 and March 2018 are underwritten by Qudos Insurance A/S.
Policies purchased from March 2018 are underwritten by Acasta European Insurance Company Limited.
Who's name should the policy be in?In an ideal world the policy would be the name of the person who own's the vehicle and is the principle insurance policy holder. However this is not always possible so we would request that if this is not the case please contact a member of the team on 0800 195 4926 who will be able to advise the best course of action so as to not invalidate your insurance.
Aequitas Automotive Limited
What is their Company Registration Number?Our company registration number is 7347606.
What is their telephone number?The telephone number is exactly the same 0800 195 4926
Who are Aequitas Automotive Limited?Aequitas Automotive is our parent company.
Alloy Wheel Insurance
Can I cancel my alloy wheel policy?Yes, you can cancel your alloy wheel policy at any time. If you cancel within the first 14 days then you will be given a full refund, providing you have not attempted to make a claim. After this time you can cancel but there would be no rebate or refund due.
Can I transfer my Alloy wheel policy?Technically not. However, it does depend on the circumstances at the time to what options you may have. We would always advise you to call the customer service team to see what options you may have available.
Does my Alloy Wheel Insurance cover theft?No, your alloy wheel insurance policy does not cover theft.
How many times can I claim?The maximum number of claims during the period of alloy wheel insurance shall not exceed:
Eight claims under a twenty four month policy.
Twelve claims under a thirty six month policy.
Is there a waiting time?Yes, in order to keep costs to a minimum, we will not honour any claim made within the first 30 days of purchasing your policy.
Is there an excess with an Alloy Insurance claim?Yes, there is a £10 excess payable on each and every claim.
What if i require out of hours assistance?You may require assistance outside of office hours, when the claims administrator is not available, to provide you with a claim authorisation number. Under these circumstances, or if the repairer refuses to wait for payment, you will be required to settle their invoice and then claim reimbursement. If you pay the repairer then you will be reimbursed up to the repair or replacement cost.You will be required to send the claims administrator the information that is outlined under the heading 'How to make a claim'
What is classed as accidental damage?Accidental damage is a sudden and unforeseen event that has resulted to damage to the alloy wheels.
What is covered with Alloy Wheel Insurance?Within the period of insurance,the policy will pay for the cost of repair resulting from accidental damage that has occurred within the geographical limits of the policy.Each claim is handled by an administrator and the repair will be undertaken by an approved repairer who make every effort to repair the wheel to your complete satisfaction. Where more than one alloy wheel has sustained accidental damage each repair will be treated as a claim under the terms of your alloy wheel policy.If a wheel is damaged to such a level that it's integrity has been impaired and it cannot be repaired the policy will contribute up to £150 towards a replacement wheel.This contribution towards the replacement wheel would be classed as two claims as defined in your policy documentation.
The maximum number of claims during the period of insurance shall not exceed:
Eight claims under a twenty four month policy.
Twelve claims under a thirty six month policy.
What is not covered by Alloy Wheel Insurance?The policy will not cover any vehicle used at anytime in a public service capacity,such as Military,Police or Ambulance vehicles.
Vehicles used for hire and reward,courier and delivery services,and short-term self drive hire.Also,vehicles used for the carriage of passengers,including but not limited to private hire and taxi services.Vehicles used for driving instruction in connection with your occupation are also not covered.
The policy will not cover any vehicle used at any time for any type of competition usage,be that any form of rallying,racing,any type of track day,off road,speed testing,pace making or reliability trials.
The policy will not cover split rim construction,chrome rim,multi-piece or chrome finished alloy wheels.
The policy is not renewable or transferable to any other vehicle.
There is an initial thirty day claim waiting period after the start date during which you are not able to process a claim.
The policy will not cover any damage which is the result of poor maintenance and neglect.Corrosion of the wheel is not covered.Any previous sub standard previous repair is not covered(unless previously arranged by the Claims Administrator).The policy will not cover manufacturing defects,design faults or any damage resulting in improper cleaning,polishing or adjustment.
The policy will not cover any costs to repair the alloy wheel(s) fitted to the insured vehicle that the Claims Administrator does not authorise in advance and provide an authorisation number for.
The policy will not cover any costs to repair the alloy wheels(s) where the damage is caused by wear and tear due to age and/or usage.Any damage that occurs when a replacement tyre is fitted,damage that occurs whilst the insured vehicle is driven with an under-inflated tyre or by a road traffic accident involving another vehicle where a motor insurance claim has been made are not covered.The policy does not cover defective,failing or peeling paint or lacquer.The theft of wheel nuts or the the insured vehicle itself are also not covered.
What is the Alloy Wheel Insurance claims number?The contact number for the claims team is 0114 321 9878.
What is the policy schedule?The policy schedule is the document issued to you by the administrator when you purchase your alloy wheel insurance.It will provide details of the policy holder,the insured vehicle,the length of cover,the policy identification number and the purchase price of the policy.
Who can buy Alloy Wheel Insurance?You can purchase Alloy Wheel Insurance for your vehicle providing it is less than three years old and the recorded mileage on the vehicle odometer is less than 50,000 miles.
The vehicle must have been purchased within the preceding thirty day period and must have been supplied by a Franchised Main Dealer.
Who underwrites my Alloy Wheel Insurance policy?Policies purchased before March 2018 are underwritten by Qudos insurance. From March 2018, policies will be underwritten by Acasta European Insurance Company Limited.
Contract Hire Gap Insurance
Can I cover a courier van? No our contract hire policies are for private vehicles only and can not cover any hire and reward usage.
Contract Hire - Shortfall?What is the finance shortfall with respect to a contract hire or lease vehicle? This is the difference between your insurance companies settlement and the amount you need to pay off your lease. This could be made up of a number of factors. Differences in market value, back rentals, outstanding rentals, in fact your lease company may call it something completely different. No matter providing your have no outstanding rentals or late payment charges this is exactly what we clear.
What is Contract Hire Gap Insurance?Contract Hire gap insurance is a a policy which is specific to lease and contract hire vehicles. The most important aspect is that on this type of a contract you have no option to own the vehicle at the end of the contract. Instead your vehicle is collected at a predetermined day in the future regardless of if you may or may not wish to own the vehicle.
What will contract hire gap insurance cover?Contract Hire gap insurance will pay the difference between your own insurance companies settlement on the day that your vehicle is written off and clear your outstanding finance liability.
What your contract hire policy will not cover.Your contract hire gap insurance policy will not cover any late payment charges or arrears on your lease as these would be deducted from any settlement.
Why do I need Contract Hire Gap Insurance?Without any form of gap insurance for your contract hire / lease car, if it is written off you could be faced with the fact that you no longer have a vehicle to use and also have to pay any financial shortfall. This is because legally you are responsible for any difference between your motor insurance companies settlement and the amount needed to clear your lease.
How Total Loss works
Are claims dealt with in Denmark/Gibraltar?No, your claim will be dealt with in the UK. All claims are handled by Tobell Insurance Services Ltd, who are based in Sheffield.
Can I transfer my policy if I sell my vehicle?Yes you can transfer your policy to your next eligible vehicle completely free of charge. Please remember that this may not be the best long terms option. With this in mind please call a member of the team to discuss your options.
Do you cover Negative Equity?No. For the purposes of your policy negative equity is classed as a finance amount that you have outstanding from an old finance agreement that you have brought forward to the finance of this car. E.g you part exchange your car and it is worth £6000. You still have £8000 outstanding on finance. ( this means that you would have £2000 worth of negative equity ) Your new car costs 14,000 but because of your negative equity you have to borrow you borrow £16,000. In this case we would not be able to cover you with a total loss policy. We do have providers that can cover limited amounts of negative equity so please call for a quotation.
How much will my policy cost?This is impossible to say as it will depend on the purchase price of your vehicle as well as the number of years that you would like cover for. Simply click for a quote and our system will auto generate a price. Or you can call 0800 195 4926 where a member of the team will be only too happy to help.
Is my vehicle covered abroad?Yes you are covered in the UK, Northern Ireland and Scotland as well as any other EU member state. Please see your policy documents for a full list of countries.
Is the cost of my Road Tax Covered?No as DVLA will automatically refund any un-used proportion.
Is there a gap insurance excess to pay?No, in fact we pay up to £250 towards your motor insurance companies excess.
Is there a market value clause?No providing that you allow us to talk to you insurance company we will pay the difference between your insurance companies settlement regardless of book or market values.
What is a deferred policy?As a perk of purchasing a comprehensive motor insurance policy, some providers will offer a 'new for old' term. If you have purchased a brand new vehicle, within the first 12 months of ownership, if the vehicle was declared a total loss, subject to terms and conditions, your own motor insurer would simply replace the vehicle. Therefore, you may not need/want the Gap Insurance in place during the first year and instead may want to delay the start date until the cars first birthday. Please remember that not all insurance companies offer new for old and even if they do there may be terms and conditions. Please always check with your motor insurance company before electing to defer your policy.
What is the purchase price?The purchase price of your vehicle is the total cash price after any discounts but before any cash deposit or part exchange allowance. Please remember that this policy is protecting this vehicle only and as such we can not protect any negative equity you have brought forward to this vehicle from an old finance agreement.
When do I have to buy my gap insurance policy?If you have bought a new vehicle and have had new for old from you own motor insurance company you can buy this policy at any time during the first 365 days of ownership. If you have purchased a used vehicle or did not have new for old then to qualify for a total loss gap insurance this policy must be purchased within the 1st 180 days of ownership.
When must I tell you my vehicle was written off?You must let us know that your vehicle has been written off within 120 days.
Which vehicles are excluded?At present we can not provide total loss cover for vehicles over 3500kg, to be used as a taxi, driving school or other form of hire and reward, racing, rallying, competition, motorbikes or motorhomes. For a full list of eligibly please see your policy documents.
Will my policy cover theft?Yes providing that your own motor insurance company have said it is a valid claim.
Will points on my licence affect my policy?No your driving history is not taken into consideration.
Claims AdministratorThis is the organisation who will responsible for settling your claim.
Cooling Off?This is a set time during which you can change your mind and cancel your policy and ( providing you have not made a claim ) have a full refund.
Deferred Policy?A deferred policy is a policy where you have elected to set the start date to co-inside with your vehicles first birthday?
FCA?The Financial Conduct Authority.
Fraudulant or Dishonest Claim?A claim where your motor insurance company have investigated and decided that you were attempting to make a claim under false pretences ( dishonest ).
FSCS?The Financial Services Compensation Scheme
Grey Import?This is a vehicle that you have imported yourself from another country.
Hire and Reward?Hire and reward means that you are paid to use your vehicle to transport people or objects from one place to another.
Indemnity?It means that your own insurance company have looked at the reason as to why your vehicle was declared a total loss and have agreed to settle.
IPT?Insurance Premium Tax ( almost like VAT on insurance)
Motor Insurance Excess?This is the amount that your own motor insurance company will deduct from your settlement under the terms of your policy. This will include your voluntary and compulsory excess.
Negative Equity?This is any shortfall between your part exchange value and the amount outstanding on finance which you have re-financed on top on the purchase price of this vehicle.
New for Old?Some insurance companies almost as a perk of buying a new vehicle will within the terms of your comprehensive motor insurance policy say that if you buy a new vehicle and your name is first on the V5, if it is written off within the first 12 months, that they will simply go out and buy you another.
Outstanding Finance?This is the amount of money outstanding on your finance agreement. ( this does not include any late payments charges, arrears and regrettably can not refer to personal loans)
P11dThe list price of your vehicle - normally only needed if you are buying your vehicle on a contract or lease hire.
Policy Administrator?This is the company that you are buying your policy from.
Premium?This is the total cost of your policy.
Private Plate?This is a number plate which you have purchased to use on a vehicle often called a cherished number plate.
Purchase Price?The purchase price is the amount that your garage / dealership have invoiced you for. This is after any discounts but before any cash deposit or part exchange allowance. ( this does not include any interest )
Replacement CostThis is the amount of money that you would have to spend to buy another vehicle the same age, mileage and specification as yours was on the day that you collected it from your dealership. If that model is no longer aviliable settlement would be based on the superseding model.
Start Date?This is the date that you would like your Total Loss Gap Insurance policy to start.
Territorial LimitsThis is a list of countries that your gap insurance policy will cover you in. ( a full list is available in your policy terms )
The Financial Ombudsman?The organisation who you can complain to if you are not happy and your complaint has not been resolved.
Total Loss?Where your own insurance have decided that the cost of repairing your vehicle is not economically worth while, or it has been stolen and not recovered.
Undewriter?This is the insurance company who back your policy.
V5This is the document from DVLA which will show that you are the legal keeper of the vehicle.
Do I have to let you know about a private plate?Yes if you can please let us know as other wise this could delay any claim while we verify the information.
Do you charge admin fees for a change of address?No we do not charge any administration fees.
Do you charge for duplicate documents?No simply log on to the my account section or call and speak to a member of the team.
I have forgotten my password?No problem click to the my Total Loss section and request a forgotten or reset password. Our system will then email you a link to reset your password. please note that the link is only valid for one hour.
My policy does not show in my account section?If you have purchased a policy and then set up any account at a later date then the system will not automatically assign your policy. This is a security feature and is designed to keep your details safe. Instead simply call a member of the team. They will verify your identity and then be able to link the policy to your account.
Why should I keep my details up to date?If you ever come to make a claim and the details for example address is different this could delay any settlement while we verify the information.
Scratch and Dent Insurance
Can I take my car to a Body Shop? No this is a smart repair only.
Can I take my car to a Body Shop? No this is a smart repair only.
How do I make a Scratch and Dent claim? If you need to process a claim please contact the administrator on 0114 321 9878.
Before making a claim please check that the damage is covered by your policy and provide the claims administrator with your vehicle registration number and details of how and when the damage was caused. It can be beneficial to provide images of the damage and convenient dates of when the vehicle can be inspected/repaired providing your claim is approved.
All repairs must be completed by the approved repairer as appointed by the claims administrator.If the claim is authorised then it will be settled directly with the approved repairer.
How many times can I claim?The maximum number of claims during the period of insurance shall not exceed:
Twelve claims under a twenty four month policy.
Eighteen claims under a thirty six month policy.
Is there an excess on Scratch and Dent claims?Yes,each individual claim is subject to a £10 excess.
What is covered with Scratch and Dent Insurance?Subject to terms and conditions, this policy will pay to repair minor cosmetic damage to the insured vehicle.
The policy will consider damage up to 15cm in length an 3mm in depth. It will also consider damage that has occurred across two panels providing it is within the 15cm limit.
You can access up to six claims during each twelve month period incurring a £10 excess on each and every claim.
What is not covered with Scratch & Dent Insurance?Minor damage that occurs within the first thirty days from the policy inception date will not be covered under the terms of the policy.
Large flat surface areas are not covered including, but not limited to, the bonnet and roof panels.
Anything that cannot be defined as minor cosmetic damage or minor cosmetic damage that extends across more than two body panels. In the event that the damage does extend across more than two body panels then the entire claim will be excluded.
For a full list of exclusions please refer to your policy documentation.
What paint finish should by vehicle have?To be eligible for this policy your vehicle must have a standard paint finish which is not self healing,chrome illusion,two tone,matte finish or has been vinyl wrapped.
When can I make a Scratch and Dent claim?You can make a claim at any time however in order to keep costs to a minimum we will not honour any claim made within the 1st 30 days of purchasing your policy. This is to stop fraudulent claims and keep prices at the lowest price possible.
Who can buy Scratch and Dent Insurance?You can purchase Scratch and Dent Insurance for your vehicle providing it is less than three years old and the recorded mileage on the vehicle odometer is less than 50,000 miles.
The vehicle must have been purchased within the preceding thirty day period and must have been supplied by a Franchised Main Dealer.
Who underwrites my Scratch & Dent Insurance?Policies purchased before March 2018 are underwritten by Qudos insurance and claims are administered by Tobell. Policies purchased after this time are underwritten by Acasta European Insurance Company Limited..
Smart Care Insurance
How many claims can I make?You can make up to 5 claims per year to include no more than 4 alloy wheel claims
Is there an excess to pay on my Smart Care InsuranYes you will need to pay a £10 excess each time you make a claim.
Will my Smart Care policy cover Diamond Cut WheelsYes we can cover diamond and laser cut alloy wheels
Will my Smart Care policy cover painted alloys?Yes your Smart Care insurance policy will cover painted alloy wheels.
Tobell Insurance Services Limited?
What do Tobell do in reference to my policy?Tobell are a specialist claims team who deal with you policy should you ever need to make a claim.
Where are Tobell based?Tobell are based at 33 Creechurch Lane, London EC3A 5EB
Am I covered if my tyre wears out?No this is not a maintenance policy instead your designed to protect you against punctures and blow-outs.
How many times can i make a Tyre Insurance claim? You can make up to four claims during any twelve month period of the policy term.If you have purchased a Combined Tyre and Alloy Wheel policy then you can make up to four claims during each twelve month policy period on both the tyre and alloy wheel aspects of the policy.
A £10 excess is payable on each and every claim.
Is there an excess on my Tyre Insurance policy? Yes,there is a £10 excess payable on each and every claim made during the policy period.
What is classed as accidental damage?Accidental damage is a sudden and unforeseen event that has resulted in damage to one or more of your tyres.
Which vehicles are excluded?The following vehicles are excluded from Tyre Insurance cover:
Taxis,self drive hire,driving school,service vehicles e.g Police,ambulance,etc.
Commercial vehicles or vans with a carrying capacity exceeding 1750kg.
Any vehicle used in any sort of competitions,rallies,pace making or off road use.
Left Hand Drive vehicles.
Vehicles not listed in Glass's Guide.
Any vehicle owned temporarily or otherwise by a motor dealer,trader or business formed for the purpose of selling or servicing motor vehicles.
Who underwrites my Tyre Insurance policy?Policies purchased between Feb 2016 and March 2018 are underwritten by Qudos insurance and claims are administered by Tobell. Policies purchased after March 2018 are underwritten by Acasta European Insurance Company Limited and claims are still handled by Tobell.
Why should I buy Tyre Insurance?Replacing tyres can be extremely expensive. Tyre insurance will pay for the cost of repair or replacement of your tyres which has resulted from damage that has occurred within the geographical limit.
What will my Gap Insurance Not Cover?
Am I covered if I am convicted of Drink Driving?No your policy can not cover you if your vehicle was written off and you are subsequently convicted of Drink Driving.
Can I buy gap after my vehicle was written off?No your policy can not protect you against theft or accident's that have happened before your gap insurance has been purchased.
What if my car had pre-existing damage? Yes and no. Where the Motor Insurer reduces the motor insurance settlement because of Your contributory negligence or due to the condition of the insured Vehicle - the same percentage or amount as deducted by the Motor Insurer will be deducted from any claim under this policy.
What if my Motor insurance runs out?No your policy will not cover you if your motor insurance policy has expired or if you have allowed it to lapse during the period of cover.
Will my gap cover me for scratches on my car?No, your gap insurance policy would only perform in the event of a total loss. If you are looking to protect yourself from minor scratches, please consider a Scratch & Dent Insurance policy.
Will my gap insurance cover me for a hire car?No, your policy will not cover you for a hire car or any other consequential loss that is a result of not having use of your vehicle.
When offered Gap Insurance, I was told ...
Are we based abroad?No. We are based in a Hamilton Square Wirral, in a beautiful Grade 1 Listed Georgian Town House which was converted to offices some time ago.
If the price is less, it may not be as good?Without having access to the policy in question, we could never guarantee that our policy would be more comprehensive. However, we are yet to find a policy with the same level of comprehensive features, whether that be from an online competitor or a main dealership policy.
My policy must be bought from my dealership?No. In fact you do not have to buy any form of gap insurance at all. After all, it is your money and your choice.
We don't cover if your car is stolen? Yes and no? There are a million and one ways to write a vehicle off and for your vehicle to be stolen. Rather than list each one and still never cover all of them our policy simply says that you own insurance company must be happy to settle. If they are, we simply follow suit. So for example if someone steals your car your own insurance will settle and will follow suit. If however you leave the keys in the ignition, door open and someone then steals it? Your own insurance company would not settle and therefore our hands would be tied.
You may not cover named drivers?We will cover named drivers. Providing they fit the other terms and conditions, such as being over 18 and having a full UK License.
You may not cover un-insured drivers?Yes as long as your own insurance company are happy to settle then we will cover you if your vehicle is written off by an un-insured driver.
Who are Acasta European Insurance Company Limited?
Who are Acasta European Insurance Company Limited.Acasta European Insurance Company Limited are the underwriters of any policy purchased from Total loss since March 2018.
Who are Qudos Insurance A/S?
Are Qudos Insurance A/S regulated by the FCA?Yes their FCA number is 571608
Are Qudos Insurance A/S regulated in Denmark?Yes Qudos Insurance A/S are also regulated by the Danish FSA, their registration number is 53112.
Are Qudos regulated in Denmark?Yes Qudos are also regulated by the Danish FSA, their registration number is 53112.
Registered address for Qudos Insurance A/sThe address is Qudos Insurance A/S. Kongevejen 371 , DK 2840, Holte, Denmark.
Who are Qudos Insurance A/S?Qudos Insurance are the underwriters of any Total Loss Policy purchased between the 02/02/2016 and March 2018.
Aequitas Automotive Limited is Authorised and Regulated by the Financial Conduct Authority. Our FCA Number is 821163. Aequitas Automotive Limited’s permitted business is arranging general insurance contracts and consumer credit broking, but not as a lender. Aequitas Automotive Limited’s registered address is Aequitas House, 56 Hamilton Square, Birkenhead, Wirral CH41 5AS.