Finance Products

Demo Finance Exposure Dealer provide a wide range of finance facilities which are described below many of which are fully integrated into our web site. From the comfort of your own home you can view all the available finance products for your next vehicle and generate your own personalised quotations by changing the deposit, term and annual mileage.

In addition, you can complete an application through our secure on-line proposal form which will pass your information directly to our finance company (the chosen finance company) You will then be guided through the process by them. In gaining pre-approval it allows you to make a considered choice on your next car purchase in a quick and convenient manner through a greater selection of finance products.
  • Find your vehicle
  • Choose your finance product
  • Tailor your quotation
  • Apply on-line
  • Visit us and view the car
Loan A motor loan or personal loan allows you to borrow money for your next car over a fixed period of time with a fixed interest rate. Loan periods are available up to 60 months with low and no-deposit schemes available. The benefit of a loan is that your repayments are fixed for the period and at the end of the period you will have nothing else to pay. All credit facilities are subject to approval. Personal Contract Purchase A Personal Contract Purchase (PCP) plan will enable you to purchase your next car with lower monthly repayments. The way this is achieved is by deferring an amount of the total cost of the vehicle to the end of the contract. This amount is known as the Guaranteed Future Value (GFV).

The Guaranteed Future Value plus your deposit is subtracted from the cash price of the vehicle and your monthly payments are based on the balance (plus interest on the balance and the GFV).

By only repaying the difference between the cash price and the optional balloon payment you are only financing the depreciation of the car.

At the end of the contract you have four options:
  • You can return the vehicle to the finance company. As long as you have not exceeded the agreed mileage, you will have nothing more to pay.
  • If you want to keep the vehicle, you can simply pay off or refinance the outstanding balloon payment.
  • You can come back to us and part exchange your vehicle for a new one. If the trade-in value is greater than the GFV, the difference can be used towards a deposit on the next agreement.
  • You can sell the vehicle privately and keep any profit over and above the GFV.
Hire Purchase Hire Purchase (HP) is very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit.

The term "secured loan" means exactly that, a loan that the lender can secure against an asset (in this case, the vehicle). HP gives you additional rights over those of a personal loan and is only available through dealers that have passed the stringent approval process of the finance companies.

Low Payment Plan Low Payment Plan will enable you to purchase your next car with lower monthly repayments. The way this is achieved is by deferring an amount of the total cost of the vehicle to the end of the agreement. This amount is known as the Residual Value (RV).

It is the customers responsibility to settle the final payment either though additional finance, cash or settlement by part-exchange.

The Low Payment Plan product and has no tie to a mileage contract. Repayment periods are typically taken over 2, 3 or 4 years and settlement can be made at any stage of the agreement. We would recommend that you select your anticipated annual mileage to a realistic level so that a realistic Residual Value is set for the vehicle. At the end of the agreement you have three options:
  • If you want to keep the vehicle, you can simply pay off or refinance the outstanding balloon payment.
  • You can come back to us and part exchange your vehicle for a new one. If the trade-in value is greater than the RV, the difference can be used towards a deposit on the next agreement.
  • You can sell the vehicle privately and keep any profit over and above the RV.

Insurance Products

Get a quote in as little as 40 seconds!

With our unique insurance system, the number of questions you have to fill in to get a quotation is kept to an absolute minimum. This means, unlike many other sites, you will have competitive quotes from the UK’s leading insurers, on your next vehicle in as little as 40 seconds.

HOW ARE THE PREMIUMS SO COMPETITIVE?

Cost of Acquisition

It can be very costly to win and maintain a customer. By fixing your insurance for up-to 3 years we can save on those costs and pass them onto you in savings.

Internet Sales

By selling on line it keeps the operating costs down which again we pass onto you.

Marketing

We have no marketing costs as our car dealers and traders do the marketing for us and keep our costs down.

Insurance Panel

By keeping our panel of providers to a smaller number of the UK’s largest insurers we give them a greater chance of winning your business. This means they are able to support us with highly competitive rates and the most comprehensive cover. Uniquely fixed cover for up to 3 years

WHY FIX YOUR COVER? Car insurance premiums are increasing. Insurers have reported in national newspapers, increases of up to 40%! By fixing your premium through our service, you avoid these year on year increases. As well as removing the hassle of shopping around.

Full acceptance regardless of registered keeper

In some cases you will be the driver of the vehicle, but not necessarily the registered keeper. This maybe due to the finance product used to acquire the vehicle or ownership sits with another party. Most insurance companies will refuse to insure you as a result of this. We will accept your car under normal terms regardless of ownership details.

Free Protected No Claims Bonus

Even in the event of one fault claim and regardless of the cost you will still continue to enjoy the same monthly rate for the life time of your insurance policy.

Guaranteed courtesy car in the event of an accident

If your car is repairable and you use our approved network we will guarantee a courtesy car whilst it is in being repaired. In many cases we are able to provide a courtesy car within 24 working hours.

Business Use automatically included, FREE OF CHARGE

With no standards created in the insurance market for business use, consumers are more and more confused about the type of cover they require. Many claims are turned down because the consumer selects the wrong the wrong type of cover. We give all our customers, business use FREE OF CHARGE so as to protect the ones that require it and not to financially penalize the ones that don't

3 year guarantee on all accident repairs

All companies give this? NO. - Some providers still support the use of third party parts being used and reduced guarantees to keep costs down. This can effect the repair standard and ultimately your warranty. If you use our nationwide repair centres we will give a parts, paint and labour guarantee for 3 years.

Full European travel cover

If you wish to take your car to Europe many insurers require you to inform them of the dates you are travelling. Failure to do so can reduce your cover to the basic Third Party Fire and Theft. We cover all customers regardless of notification for a period of 60 days for any one trip. Giving you peace of mind that covers is in place when you may need it the most! Insurance Groups