Insurance

At Fulton we have access to a number of markets, which means that we can provide our clients with recognised industry products that are built to their unique requirements. These include well established products in the industry like GAP, Vehicle Replacement Insurance and Credit Protection Insurance.

GAP

This product has been around for a number of years and is now widely available, it is a product that customers ask for and many financiers provide as standard on their agreements.

As most people know it pays the difference between the motor insurers payout and the finance company settlement figure if the vehicle is written off or stolen.
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Return to Invoice

This product has come to the market more recently but is now widely available through dealers and financiers. An enhancement on the original concept of GAP it pays the difference between the motor insurers payout and the original replacement price if the vehicle is written off or stolen.
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Credit Protection Insurance

This product has been available for many years and has become a standard product in the finance industry and a good profit centre for dealers and financiers.
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Early Termination Insurance

The demand for this product has grown dramatically during the last couple of years. Changes in the company car tax regime have resulted in more people opting out of their company car scheme and buying their own car.

Customers recognise the risks involved and wish to protect themselves, particularly in case of redundancy or resignation. In these circumstances they may wish to terminate their contract. Early Termination Insurance gives them the option to do this because it will pay the difference between the market value of the vehicle and the finance settlement figure.
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Autocover Fixed Rate Multi-Year Motor Insurance

Selling motor insurance through motor dealers is not a new idea. The point of sale of a car is the ideal time to offer motor insurance; the main obstacles are the ability to provide a definitive quotation and produce the relevant paperwork instantly and without any fuss.

The Autocover product along with the showroom based quotation and administration system has overcome these problems with a very simple-to-use approach. It allows the dealer to quickly and easily provide a comprehensive, competitive quote to a wide variety of customers, matching the motor insurance term to the customer’s vehicle finance term at a fixed cost for the term, irrespective of inflationary rises or any claims and minor convictions they incur during the contract period.
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