Version Date Owner Author Summary of changes. SMART Salary Options Team
|
|
- Randall Lester
- 8 years ago
- Views:
Transcription
1
2 Purpose This document contains the scheme policy details, and driver information for the Family Car Benefit Scheme as provided by the Royal Liverpool and Broadgreen University Hospitals NHS Trust for the benefit of the employees. It is for the use of staff considering joining the scheme to provide them with the terms and conditions associated with it. It also acts as a reference document throughout the leasing contract period for staff who joins the scheme. Changes to Policy The policy will be subject to a regular review and may be changed or modified at the discretion of the Royal Liverpool and Broadgreen University Hospitals NHS Trust in conjunction with Automotive Leasing. Document Control Version Date Owner Author Summary of changes December 2012 SMART Salary Options Team Margaret May Distribution The latest version of the policy document is available from the Benefits and Entitlement page on the Staff Intranet The document may be printed by staff for their own information and reference purposes. However, printed versions will not be subject to version control so care should be taken that the printed document refers to the latest version of the policy details. RLBUHT Family Car Scheme Handbook V1.0.docx i
3 Contents 1. Introduction Family Car Benefit Scheme Benefits of the Family Car Scheme What is Included in the Benefit? What is NOT Included in the Benefit? Benefit in Kind Liability What is a SMART Salary Options scheme? Salary Sacrifice Considerations NHS Pension Maternity / Adoption Statutory Paternity Pay Mortgage Tax Credits Scheme Terms And Conditions Eligibility Available Vehicles Lease Hire Period Number of Cars per Employee Contract Mileage Considerations Business Mileage Reimbursement Accessories Insurance Fines Sundry Charges Early Termination Final Salary Payment Paid Absence/Long Term Absence Maternity Leave Long Term Sickness Career Breaks Redundancy Other Circumstances Home Address Changes RLBUHT Family Car Scheme Handbook V1.0.docx ii
4 3. Joining The Scheme Choosing your car Ordering your Vehicle Driving Licence Validation Personalised Number Plates Order Confirmation Delivery Payslip Changes Looking after Your Vehicle Driver Responsibility Servicing and Maintenance Collection and Delivery Hire Cars Safety Recalls Breakdown Assistance and Recovery Tyres Glass and Windscreens Recurring Technical Faults Cleanliness Duty of Care Driver Neglect Taxing your Vehicle (Road Fund Licence) MOT Fines And Fixed Penalty Notices Driver Responsibility Speeding Fines Fines for using Mobile Phones Parking Fines Bus Lane Fines Congestion Charges RLBUHT Family Car Scheme Handbook V1.0.docx iii
5 6. Accident Management and Insurance Claims Accidents Immediate action Follow-up Actions What happens once I have called? I travel a lot; what happens if I have an accident a long distance from home? The Vehicle Repair Process ` Non-driveable vehicles Write-off process Driveable vehicles Will I receive a replacement vehicle? The paperwork Thefts Personal Property Excess Insurance Charge Health And Safety Driver Fatigue Good Practice Mobile Phones Health Smoking Policy Taking Your Vehicle Abroad Authorisation Insurance Documentation Before you Travel Abroad End Of Contract Renewal of existing Car Benefit Scheme vehicles Purchasing your end of contract vehicle End of Contract Preparation End of Contract Collection End of Contract Recharges Who To Call RLBUHT Family Car Scheme Handbook V1.0.docx iv
6 1. Introduction RLBUHT Family Car Scheme Handbook V1.0.docx 1
7 1.1 Family Car Benefit Scheme The Family Car Benefit Scheme has been set up by the Royal Liverpool and Broadgreen University Hospitals NHS Trust to provide employees with access to new cars for a fixed monthly cost that is significantly lower than if you had funded the vehicle yourself. For a fixed monthly payment all the services required to run the car, with the exception of the fuel, are provided to you giving you the certainty of your car-related budgeting for up to three years. At the end of the contract period, you return the car and, if required, you may select another new one and start a new contract, assuming you are still eligible. The car leasing scheme is called SalaryPlan, and is provided by Automotive Leasing, a division of LeasePlan. The scheme is provided by the Trust as a salary sacrifice benefit under the programme of the SMART Salary Options benefit. This means that you, the employee, agree to give up the right to a portion of your salary and in exchange you receive the benefit of the car. The fixed payment is deducted from your salary each month during the contract period. This deduction is taken before income tax, National Insurance Contributions and NHS Pension contributions (if applicable) are calculated and deducted, so that you pay less towards these. However, as the car is regarded as a company car for tax purposes, you will be required to pay Benefit in Kind tax. Again this would be deducted from your salary on a monthly basis. However, even with this additional tax to pay, there is a considerable net savings to you. NB The Trust reserves the right to withdraw the scheme at any time at its discretion. Under these circumstances, existing contracts would run their course but no new contracts would be started. 1.2 Benefits of the Family Car Scheme A brand new car every 2 or 3 years No deposit required No personal credit check required Hassle free motoring as all vehicle services are accessed either via a single telephone number or via the same online system as for ordering vehicles An ALL COSTS INCLUSIVE driving experience Monthly deduction FIXED for the duration of the contract period. RLBUHT Family Car Scheme Handbook V1.0.docx 2
8 1.3 What is Included in the Benefit? The fixed monthly deduction covers the following for the duration of the leasing period: The leasing cost of the car Road Fund Licence (Car Tax) Fully comprehensive insurance fixed for the period Maintenance and servicing costs 5 star Breakdown Assistance/Recovery No quibble replacement tyres including accidental damage and punctures Accident Management Early Termination Protection Employee driving licence check MOT where relevant. 1.4 What is NOT Included in the Benefit? The monthly deduction will not cover: Early termination costs, should you terminate the contract early see Early Termination Section 2.10 for full details. Any parking fines, speeding tickets and other fixed penalties that you incur, see Sections 2.8, 2.9, 5. The Licence checks, for insurance purposes, for additional drivers of 8.50+VAT per person per year. Unreasonable wear and tear to the vehicle, see Sections 4, 9.5. Excess mileage costs, see Section 2.4. Guidance on your responsibilities is provided throughout this document and on the SalaryPlan website. Any such costs that you incur will be deducted from your net salary i.e. they are outside of salary sacrifice arrangement. 1.5 Benefit in Kind Liability RLBUHT Family Car Scheme Handbook V1.0.docx 3
9 Drivers in the Family Car Benefit Scheme are required to pay Benefit in Kind (BIK) tax, as the vehicle is available for private use and the scheme has been provided as a benefit through your Employer. As part of the vehicle quote you will be provided with an indicative annual BIK charge, based on the taxable values for the vehicle e.g. retail value, CO 2 amount. This indicative charge is taken into account when the Net Cost to You amount in calculated and shown to you on the SalaryPlan website. Please note the indicative BIK figure may be subject to change (e.g. manufacturer price increases). The Trust is responsible for informing HMRC about all employees who have joined the scheme, along with the details of the vehicle provided. This will be done by completing a Form P46 and sending it to HMRC so that your PAYE code may be adjusted. Wherever possible this will be done to coincide with your first monthly deduction. If you encounter any problems you are advised to contact your relevant HMRC office. You do not need to inform HMRC about joining the scheme P11D refers to an annual tax report submitted to the Inland Revenue by your employer to confirm the values of all benefits you receive from your employer. Relevant information for your car includes the full retail value of the vehicle (including accessories, VAT and delivery costs) and the CO 2 value (as detailed on the registration document). Refer to the Inland Revenue website for further information on Company Car Benefit in Kind. NB By choosing a car with a low carbon dioxide (CO 2 ) output you can reduce the amount of BIK tax you would have to pay. Details of the specific levels may be found in the HMRC website What is a SMART Salary Options scheme? A SMART Salary (sacrifice) Options scheme is one where you, the employee, give up a portion of your salary in exchange for an employer-provided benefit. This is allowed under HMRC guidelines and Employment Law regulations. As a result of the lower taxable salary, you pay less income tax, NI contributions and NHS pension (where applicable). If you wish to take part in the Scheme you will be required to enter into a salary exchange arrangement under which you formally agree to accept a reduction in your gross salary in return for your employer providing you with a car. This agreement must be signed prior to delivery of your vehicle. RLBUHT Family Car Scheme Handbook V1.0.docx 4
10 1.7 Salary Sacrifice Considerations Taking part in any salary exchange scheme could affect both statutory and pensionable benefits under certain circumstances, e.g. normal retirement, ill health retirement, early retirement, pension transfer, death benefits NHS Pension Depending on when you joined the NHS Pension scheme, your pension would be calculated on the best of the last three years salary, or calculated on the best three consecutive years in the last 10 years. It is strongly recommended that you bear this in mind when deciding whether or not to participate in any salary exchange scheme. Any queries should be directed to the NHS Business Services Authority Maternity / Adoption Please refer to the Trust s policy regarding any general queries. For further clarification or more information please contact your HR department or the SMART Salary options team (SmartSalary.rlbuht.nhs.uk) Statutory Paternity Pay Generally, as long as your earnings in the relevant period do not fall below the Lower Earnings Limit for NICs and you meet the other qualifying conditions, your entitlement to paternity pay will not be affected. For further clarification or more information please contact your HR department. You may continue to take part in the Scheme during periods when you receive statutory or occupational paternity pay as long as your employment income is sufficient to support your salary reduction and this does not fall below the national minimum wage Mortgage Please note as the salary exchange is from gross pay your earnings on which a mortgage is calculated will be reduced. If you are in the process of applying for a mortgage you will need to inform your lender of this situation. Any information provided to lenders by the Trust will include your basic salary before the reduction for salary exchange Tax Credits For those currently receiving Tax Credits, it is probable that the entitlement to them will be affected the amount of the credit may increase or decrease. On HMRC s website, there is a calculator which you can use to help you work out your entitlement to Tax Credits in a range of different circumstances. The calculator can be found at Alternatively, contact the Tax Credits Helpline on RLBUHT Family Car Scheme Handbook V1.0.docx 5
11 2. Scheme Terms And Conditions RLBUHT Family Car Scheme Handbook V1.0.docx 6
12 2.1 Eligibility Trust Eligibility Conditions Eligibility to join the Scheme is at the discretion of the Trust. However, to be considered you will have to: Have worked for the Trust for a minimum of 6 months and be employed on a permanent contract full or part-time. Be in substantive employment and ensure that the total of all your salary sacrifice schemes does not take you below the National Minimum Wage. You may join the scheme at any point during the year and the salary reduction will continue for the duration of the agreed lease period of the vehicle (24 or 36 months). However, the exception to the above is: If you leave the Family Car Benefit Scheme early but remain a Trust employee, you may not re-join the scheme until the anniversary of the original termination date. Insurance Eligibility Conditions (Refer to Section 2.7 for further detail on the motor insurance.) Family Car Benefit Scheme cars will typically be driven by the employee (Main Driver) to whom the car has been allocated. However, you may request for a limited number of additional drivers to be added to the insurance cover. The actual number is dependent on the age of the Main Driver. If the Main Driver is under 25, they may nominate one Named Driver who must be a spouse or partner resident at the same address. If the Main Driver is 25 or over, they may nominate two Named Drivers; it is not necessary for them to reside at the same address. The Employee/Main Driver should be in the age range years at the start of the vehicle lease. However, employees under the age of 21 or over the age of 65 may be considered for eligibility but will be required to contact the insurance administrator separately to request a separate insurance quote. If the Main Driver is under the age of 25, they may nominate 1 named driver. This must be a spouse or partner residing at the same address. If the Main Driver is aged 25 or over, they may nominate two Named Drivers. It is not necessary for them to reside at the same address. It may be possible to add additional drivers if required, though this may incur additional insurance costs. All the proposed named drivers must agree to a Driving Licence check. The information will be checked to confirm accuracy and compliance with the insurance criteria. You are responsible for notifying the SMART Salary Options Team of any changes to circumstances which might affect your eligibility. Automotive Leasing and the Trust reserves the right to withdraw eligibility to participate in the scheme if, for example, you fail to follow the guidelines contained in the policy. RLBUHT Family Car Scheme Handbook V1.0.docx 7
13 2.2 Available Vehicles The SalaryPlan website offers a wide range of manufacturers and types of cars.the Trust has set no limitations on the type of car that may be requested. 2.3 Lease Hire Period The standard lease term is 36 months; however a 24 month lease term is also available. 2.4 Number of Cars per Employee It may be possible for you to request more than one SalaryPlan car. However, you would be subject to the eligibility criteria that your request(s) would not take your post-salary sacrifice pay below the National Minimum Wage. This would take into account ALL salary sacrifice schemes you may have joined. 2.5 Contract Mileage Considerations The scheme allows you to select your expected annual mileage. This should include your total expected mileage, both private and business. You must ensure that this estimate is as accurate as possible at time of quotation as this is one of the key factors in calculating the monthly deductions you will be asked to pay. Excess Mileage At the end of the lease period, if the car is returned with a higher mileage than had been expected, then an Excess Mileage Charge of 6 pence per mile plus VAT will be applied. Any excess mileage charges will be taken from your net pay and you would not receive any salary sacrifice tax savings. However, by carefully estimating your projected mileage for the quote, the cost of the mileage would be included in your monthly deduction and you would receive the salary sacrifice tax savings. Note: Included in your Agreement is a mileage buffer, meaning that the first 2,000 miles over the total contracted mileage will not be charged. Under Usage of Expected Mileage If, when the vehicle is returned, the actual mileage is less than that projected a refund of 4 pence per mile plus VAT may be applicable. This would be refunded to the Trust, and passed on to you, the driver. Note: Included in your Agreement is a mileage buffer, meaning that the first 2,000 miles under the total contracted mileage will not be credited. Mileage-related Change in Circumstances However, should you have a change of circumstances during the lease period that could result in a change to the projected annual mileage you should contact DriverLine to discuss your options. It may be possible to have your monthly deductions revised, depending on the particular circumstances. NB This is the one situation (other than external tax changes) where your monthly deduction may vary during the leasing period. RLBUHT Family Car Scheme Handbook V1.0.docx 8
14 2.6 Business Mileage Reimbursement All business miles will be reimbursed at the prevailing rate for own car usage i.e. 45p per mile (as at December 2012) rather than the HMRC advisory and lower rate of 15p per mile (as at December 2012). 2.7 Accessories It is possible to add factory fit options to your chosen vehicle. These must be selected at the time of developing the quote on the SalaryPlan website. A wide range of options are available on each vehicle, restricted only to the manufacturer s factory fit choices. If you need to use a mobile phone whilst driving you should consider having a Bluetooth device fitted to the vehicle which can provide hands free connectivity to most phones. When selecting from the range of accessories you can add to your vehicle, please remember that you will be subject to Benefit in Kind tax for the cost of the accessories. Tow Bars A tow bar can be specified as an accessory at the time of ordering your vehicle. However, if a tow bar is required after delivery of the vehicle you will need to ask authorisation from Automotive Leasing. There are limits on the maximum gross trailer weight that can be towed by each vehicle. We would recommend seeking advice from the dealer who supplied your vehicle before fitting a tow bar. All associated costs would be met by you. Please note if a tow bar was not fitted as part of the original order, tow bars and associated fixtures should be removed, prior to return of the vehicle. Any holes or damage should be made good to a professional standard. You must ensure that your driving licence permits you to drive the vehicle with the trailer attached. Drivers who passed their UK driving test after 1 January 1997 will have had to pass an additional test in order to tow a trailer over 750kg. Please note that if permission to tow is given you should obtain additional insurance cover for your trailer or caravan. RLBUHT Family Car Scheme Handbook V1.0.docx 9
15 2.8 Insurance Insurance Structure The vehicle will be insured on a fully comprehensive basis and the cost, which will be fixed for the duration of the lease period, will be included in the monthly salary deduction. The insurance will be in the name of Automotive Leasing; they are the owners of the vehicle and have ultimate responsibility to ensure the vehicle is insured. You are being provided with a vehicle as a fully insured asset. You and the other named drivers will be stated as named drivers on the insurance policy. This does not affect the level and type of cover that you will enjoy. As a named driver on the policy, you benefit from the policy just as you would under your own motor insurance policy. You are also bound by the policy terms and conditions. All the information provided in the application for a car under this Family Car Benefit scheme must be complete and correct as far as you know. You are responsible for making sure that information relating to all named drivers requested to be covered by the policy is complete and correct. If it is discovered that you (or someone acting for you) deliberately gave incomplete or false information in the insurance application, all cover under the policy will end. You will receive a Certificate of Insurance via , listing your named drivers, every year throughout the lease period. A copy of the full insurance policy may be obtained from the SMART Salary Options Team should you wish to read it in full. Please be aware that it is a Fleet Policy held by Automotive Leasing; also, any claims will be handled by Automotive Leasing under their procedures, so the insurer s claims contact numbers etc. are not applicable to members of SalaryPlan. The price of the insurance will be based on a short series of questions asked when the vehicle quote is provided. You must provide accurate and honest answers to all questions or the insurance may not be valid, leaving you liable for any costs. Please note that the main driver need not necessarily be the employee. Class 1 Business Use of 5,000 business miles pa is included as standard. Higher levels of business use may be possible on request. It is your responsibility to advise the Trust, to smartsalary@rlbuht.nhs.uk, of any changes to circumstances during the insured period that might affect the insurance. Claims and Excess Payment In the event of an insurance claim, Automotive Leasing, as the insured party, is responsible for the Excess. This cost will be passed on to you in the form of a Service Charge, collected by the repairer on completion of the repair, as follows: Accidental damage, fire and theft (driver 25-65) 250 per claim Accidental damage, fire and theft (driver 21-24) 400 per claim Accidental damage, fire and theft (driver under 21) 500 per claim Windscreen claims 60. RLBUHT Family Car Scheme Handbook V1.0.docx 10
16 2.8 Insurance (continued) Standard Criteria To qualify automatically for the standard rating, the criteria for the Employee/Main Driver and the Additional drivers are: Full UK/EU Licence held for 2 years+ No more than 6 penalty points and free of specified serious convictions No more than 1 own fault incident in the previous 3 years (defined as any claim which would result in the loss or stepping back of a No Claims Discount, if not protected) In the age range 21 65; If the Main Driver is aged below 25 years, only one additional named driver is allowed and MUST be the spouse or partner residing at the same address. If the Main Driver is aged 25 and over, two named drivers are allowed. Both of these may be aged 25 years or over, or one may be under 25 years and the other 25 or over. Referral Process Drivers falling outside the above criteria may still be able to be included on the insurance e.g. drivers under 21 years may be considered. It may be possible to obtain an indicative pricing on the SalaryPlan website. However, this would be indicative only and you must contact the insurance administrator: A-Plan, on to receive confirmed pricing. This would be applied automatically to your quote on the system to enable the ordering process to be completed. Driving Licence Validation All proposed named drivers must sign and return a Driving Licence check mandate. The information provided will be checked to confirm accuracy and compliance with the insurance criteria. There is a charge for this check per additional driver, per year. This charge is the responsibility of the Employee and would be deducted from their net salary i.e. it would not form part of the salary sacrifice deduction. Under this policy you are NOT insured to drive any other vehicle. RLBUHT Family Car Scheme Handbook V1.0.docx 11
17 2.9 Fines It is your responsibility to pay fines, AND to pay them without delay. Any fines not paid within the stated period will be paid by Automotive Leasing and the cost, together with an administration charge, will be passed to the Trust. The Trust will recover the full cost of the fine, including the administration charge, from you via your net salary. If you wish to dispute a fine, please contact DriverLine directly who will advise as to the process and provide you with assistance Sundry Charges You are responsible for any sundry costs associated with the vehicle provided. These will be deducted from your net salary by the Trust. They include, but are not limited to: Cancellation charges costs associated with cancelling a vehicle order prior to delivery. Duplicate tax discs cost of providing a duplicate tax disc, (e.g. original lost / driver failed to update home address). Items outside the Maintenance Agreement damaged or broken items, driver neglect e.g. incorrect fuel. Additional driving licence check a charge of 8.50 per check will be deducted from your salary for a licence check on any additional drivers. Excess mileage charge 6 pence per mile plus VAT, will be charged at the end of the contract, if the vehicle has exceeded the buffer above the total contracted mileage. Governmental increases in Road Fund Licence (Car Tax) If there is an increase in the road fund licence the additional cost will be deducted from your salary. End of contract recharges you will be charged by Automotive Leasing if the vehicle is returned with damage or excessive wear and tear. NB Under exceptional circumstances the Trust may cover these costs. RLBUHT Family Car Scheme Handbook V1.0.docx 12
18 2.11 Early Termination Employees are contracted to remain in the Family Car Benefit Scheme until the end of the agreed lease period. However, there are circumstances where life style changes may make early termination appropriate or necessary. Under these circumstances the contract may be terminated early but a cost will be incurred. The amount will depend on the nature of the life style change and when during the contract period the change has occurred. Early Termination Protection The Trust has arranged Early Termination Protection from Automotive Leasing to mitigate the impact of the cost for the following lifestyle changes: Resignation from the Trust Loss of Driving Licence on medical grounds Death This reduces but does not remove the cost completely. The costs are set according to the lease term and the time within the lease term that the termination occurs. The early termination protected charges for the 36 month lease term are: If terminated in 1 st year of vehicle lease 2 months rental costs If terminated in 2 nd year of vehicle lease 1 ½ months rental costs If terminated in 3 rd year of vehicle lease 1 months rental costs The early termination protected charges for the 24 month lease term are: If terminated in 1 st year of vehicle lease 1 ½ months rental costs If terminated in 2 nd year of vehicle lease 1 months rental costs The cost of this protection is included in the monthly deductions. Standard Early Termination Charges The standard Early Termination Charges apply to all other lifestyle changes where early termination may be permitted. These include: Loss of Driving Licence through disqualification Pregnancy / adoption Redundancy Death of a child / partner Change in working hours. RLBUHT Family Car Scheme Handbook V1.0.docx 13
19 2.11 Early Termination - continued Standard Early Termination Charges (continued) The standard early termination charges for the 36 month lease term are: If terminated in 1 st year of vehicle lease 5 months rental costs If terminated in 2 nd year of vehicle lease 3 months rental costs If terminated in 3 rd year of vehicle lease 1 months rental costs The standard early termination charges for the 24 month lease term are: If terminated in 1 st year of vehicle lease 3 months rental costs If terminated in 2 nd year of vehicle lease 1 months rental costs Early Termination Costs Who pays? The costs may be the responsibility of the employee (the driver) or the Trust depending on the circumstances of the early termination. Serving Notice the employee will cover the costs. Compulsory Redundancy the costs will be met by the Trust. Voluntary Redundancy the employee will cover the costs. However, under exceptional circumstances, the costs may be met by the Trust. Dismissal the employee will cover the costs. Early Retirement - the employee will cover the costs. MALS either the Trust or the employee may cover the costs. This is at the discretion of the Trust. Transfer to another authority through TUPE, or other collaborative arrangement - the Trust may meet the costs. If you leave the Family Car Benefit Scheme early but remain a Trust employee, you may not re-join the scheme until the original termination date. RLBUHT Family Car Scheme Handbook V1.0.docx 14
20 2.12 Final Salary Payment In accepting a Family Car Benefit vehicle, you are agreeing that, in the event that you leave the Trust, all outstanding costs connected with the vehicle are taken from your final net salary payment. This applies to both Early Termination and with the natural end of the lease coinciding with leaving the Trust. This would include any Early Termination fees, outstanding fines, excess mileage charges and damage recharges. In the event that it is not possible to recoup all monies owed from your final salary, you will be required to arrange an alternative method of payment, e.g. cheque, and if necessary agree with Finance a repayment schedule via direct debit or standing order Paid Absence/Long Term Absence It is recognised that there may be circumstances where unplanned absence occurs. The following policy will apply: Maternity Leave You will retain the use of the vehicle during the period of agreed maternity leave and will continue to have a reduction in salary whilst receiving payment above Statutory Maternity Pay. Beyond this the Trust will fund the costs up to the end of the Maternity leave (max 52 weeks from the date you went in maternity leave). If the lease expires during a period of maternity leave, you should return the car and if you wish to do so, have the opportunity to enter into a new lease Long Term Sickness There is no statutory requirement for The Trust to maintain payment for this benefit during periods of Long Term Sickness. In the event of a long term sickness situation you will need to decide, in conjunction with HR and Finance, whether you wish to: 1. Terminate the Agreement. Please note early termination fees, as previously outlined, would apply. 2. Continue with the Agreement. During your unpaid leave you would need to make alternative arrangements, (e.g. cheque, direct debit) to continue making your monthly payment / contribution for the personal use of the vehicle. Please note under these conditions, the payment would be your gross payment amount, without the salary exchange reduction. RLBUHT Family Car Scheme Handbook V1.0.docx 15
COLLEAGUE CARS FAQ S. What are the benefits of Colleague Cars? What is included in the package? How much can I save?
What are the benefits of Colleague Cars? What is included in the package? How much can I save? COLLEAGUE CARS FAQ S Can I arrange to test drive a car? What makes and models are available? A brief insight
More informationFrequently Ask Questions
Frequently Ask Questions This document has been prepared to answer questions that you are likely to have on the new SalarySacrifice4Cars scheme ( the car scheme ). It is set out in 3 sections The car scheme
More informationFrequently Asked Questions.
Frequently Asked Questions. Introduction to TCH Salsa We are introducing a unique benefit to our employees which allows you to sacrifice an element of your salary for a leased car, taking advantage of
More informationFrequently Asked Questions by Employees. Fuel Efficient Car Lease Scheme. An employee benefit offered by the University of Birmingham
Frequently Asked Questions by Employees Fuel Efficient Car Lease Scheme An employee benefit offered by the University of Birmingham If you have any further questions or would prefer to talk to someone,
More informationThe sacrifice is achieved by varying your terms and conditions of employment for the term which you choose to receive a company car.
Employee Frequently Asked Questions General 1 What is Colleague Cars? Colleague Cars is a unique scheme open to all employees whereby you exchange some of your normal salary in return for a company car.
More informationDerbyshire Healthcare NHS Foundation Trust. Lease Car Scheme
Derbyshire Healthcare NHS Foundation Trust Lease Car Scheme October 2012-1 - 1. INTRODUCTION Derbyshire Healthcare Foundation Trust has agreed to introduce a Lease Car Scheme which enables employees who
More informationGMP Drivercare. Salary Sacrifice Car Leasing Policy. Salary Sacrifice Car Leasing Policy Page 1 of 31 Version 2.1
GMP Drivercare Salary Sacrifice Car Leasing Policy Salary Sacrifice Car Leasing Policy Page 1 of 31 Version 2.1 1. Introduction...4 GMP Drivercare Salary Sacrifice Scheme & Eligibility...4 What is a Salary
More informationLease Car Scheme Policy and Conditions of Use
Lease Car Scheme Policy and Conditions of Use Subject: Employee Benefits Date of implementation: Draft Version 2.2 10.08.06 Date of review: Person responsible for policy Implementation and review: Policy
More informationNHS South Tees CCG. Lease Car Policy
NHS South Tees CCG Lease Car Policy Policy Title: Lease Car Policy Date: July 2013 1. Introduction NHS South Tees CCG Guide to Scheme Principles and Conditions for Employees NHS South Tees CCG has in operation
More informationFAQs. efits; The car scheme and how it works. Introduction
FAQs This document has been prepared to answer questions that you are likely to have about the Affordable Car Scheme (Car Salary Sacrifice Scheme). It is set out in 3 sections: efits; Once your vehicle
More informationLancaster University Frequently Asked Questions
Lancaster University Frequently Asked Questions CONTENTS 1. About the Scheme and Salary Sacrifice Arrangements... 2 2. Ordering a Car... 5 3. Taking Delivery of a Car... 7 4. Leaving the Scheme Early...
More information1. About the Scheme and Salary Sacrifice Arrangements
CONTENTS 1. About the Scheme and Salary Sacrifice Arrangements... 2 2. Changes to the NHS Pension Scheme in 2015... 5 3. Ordering a Car... 6 4. Taking Delivery of a Car... 8 5. Leaving the Scheme Early...
More informationBUSINESS LEASE CAR POLICY
BUSINESS LEASE CAR POLICY Version: 2 Ratified by Senior Managers Operational Group Date ratified August 2015 Title of originator/author: Title of responsible Committee/group Assistant Director of Finance
More informationCar Lease Scheme. I hope staff will welcome this scheme and support it. Jan Filochowski Chief Executive
Car Lease Scheme I am delighted to be able to introduce West Hertfordshire Hospitals Car Lease Scheme. The scheme is designed to provide staff with the option of having access to a new car of their choice
More informationSalary Sacrifice (Novated Vehicles) Guideline
Salary Sacrifice (Novated Vehicles) Guideline Policy Hierarchy link This guideline is linked to the Fleet Management Policy Responsible Officer Manager, Campus Services, Ext: 53978 Contact Officer Manager,
More informationEmployment Policies, Procedures & Guidance CONTRACT HIRE (CAR LEASING) SCHEME
CONTRACT HIRE (CAR LEASING) SCHEME 1. Introduction GUIDANCE NOTES The following details describe the conditions for providing a contract hire car to employees of the Council. Under the scheme, the Council
More informationStaff car leasing scheme
Staff car leasing scheme 1. General 1.1 This document details the arrangements and conditions for providing cars to employees under the Council's Car Leasing Scheme ("the Scheme"). Eligible employees are:-
More informationCOMPANY CAR AND CAR ALLOWANCE POLICY
COMPANY CAR AND CAR ALLOWANCE POLICY GENERAL It is the intention of Pilgrims Hospices to move progressively towards providing a car allowance for all employees who need cars routinely for business purposes
More informationA GUIDE TO SALARY SMART FOR EMPLOYERS 25+
A GUIDE TO SALARY SMART FOR EMPLOYERS 25+ Introducing Salary Smart Salary Smart is an arrangement where an employee gives up part of their future earnings or bonus in exchange for a non-cash benefit. As
More informationEmployee car leasing and cash alternative scheme conditions (live scheme) FOR EMPLOYEES ON BAND 9 AND ABOVE Effective from August 2007
Employee car leasing and cash alternative scheme conditions (live scheme) FOR EMPLOYEES ON BAND 9 AND ABOVE Effective from August 2007 1 INTRODUCTION This Scheme provides a leased car of the employee s
More informationSALARY SACRIFICE CAR SCHEME
SALARY SACRIFICE CAR SCHEME www.knowlesfleet.com 01206 255420 ABOUT THE SCHEME SALARY SACRIFICE PROVIDES THE OPPORTUNITY FOR ALL ELIGIBLE EMPLOYEES TO HAVE ACCESS TO A BRAND NEW CAR. Salary sacrifice allows
More informationVW Camper Van Hire, Pembrokeshire, Wales. Booking can be arranged through the website, email, or telephone call.
Terms and Conditions of Hire Our aim is to provide customers with a vehicle in prime condition so you can have the best, relaxing holiday you wish for. Here are our terms and conditions of hire. Booking
More informationHow To Get A No Claims Discount From Original Insurance
Frequently Asked Questions Important Numbers Claims and Accident Helpline 0330 100 3123 (24 hours) Glass Helpline 0844 248 7065 (24 hours) Policy Changes 0330 100 3161 Quotes and Renewals 0800 980 1693
More informationBUSINESS MILEAGE CHANGES FREQUENTLY ASKED QUESTIONS
BUSINESS MILEAGE CHANGES FREQUENTLY ASKED QUESTIONS Question 1 What has prompted these changes? 2 Are all staff affected by these changes? Who is most affected by these changes? 3 What are the current
More informationWhat is benefit in kind tax and how quickly will it be applied to my pay?
FAQ S Can anyone apply for a salary sacrifice lease car? You must be a permanent employee of the Trust; Salary must be above the minimum wage after all salary sacrifices are taken into account (currently
More informationsalary sacrifice schemes for cars: decision maker s guide
salary sacrifice schemes for cars: decision maker s guide The decision maker s guide Introduction Salary have attracted increased levels of interest from fleets and the media over the past couple of years.
More informationThis section applies to you if the Accident was not your fault and you have been provided with a replacement vehicle.
PAA Scheme - Terms & Conditions Accident Not Your Fault? In the unfortunate event of you having an accident that was not your fault, we ll get your vehicle recovered from the accident scene (if it s not
More informationNHS FORTH VALLEY OPERATING PROCEDURE FOR CAR LEASING SCHEME
NHS FORTH VALLEY OPERATING PROCEDURE FOR CAR LEASING SCHEME Date of First Issue 01/09/1987 Current Issue Date 02/12/2015 Review Date 31/12/2017 Approved 01/05/2009 Version Version 3.0 Author / Contact
More information0870 600 4499 or visit our website www.arval.co.uk
Making the most of Contract Hire and Maintenance from Arval Your guide to service, repair and additional services For all your driver needs call 0870 600 4499 or visit our website www.arval.co.uk Passionate
More informationAccountable Director Executive Director of Resources (Deputy Chief Executive) Financial Planning Accountant
Policy Number HR15 Policy Title LEASE CAR POLICY Accountable Director Executive Director of Resources (Deputy Chief Executive) Author Financial Planning Accountant This Policy is a valid document however;
More informationCOMPANY VEHICLE POLICY
COMPANY VEHICLE POLICY The following is a guide of what to include in a Company Vehicle Scheme. This can be used as a template by you to construct your own policy and adapted to suit your own company.
More informationFrequently Asked Questions
Frequently Asked Questions Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 404 6016*(24 hours) Policy Changes 0844 800 0463 Quotes and Renewals
More informationMember Extras TERMS & CONDITIONS
Member Extras TERMS & CONDITIONS Issue 1, 2015 Welcome Welcome to your AA Member Extras. You are entitled to additional benefits as well as the breakdown cover provided under your Membership. This booklet
More informationEAST RIDING OF YORKSHIRE COUNCIL
Agenda Item No: 13 Page Numbers: 175-182 EAST RIDING OF YORKSHIRE COUNCIL Report to: The Cabinet 18 January 2011 Wards: All wards Review of Lease Car Scheme Report of the Interim Director of Corporate
More informationGo Girl Private Car and Small Commercial Vehicle Policy Summary
Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate
More informationoptimizer Key Facts An introduction to the benefits available to you through the optimizer Salary Sacrifice Car Scheme.
optimizer Key Facts An introduction to the benefits available to you through the optimizer Salary Sacrifice Car Scheme. What is optimizer? Optimizer is a new kind of car scheme that gives you access to
More informationHuman Resources Policy No. HR12
Human Resources Policy No. HR12 Additionally refer to HR13 Travel Expenses Sponsor: Head of Human Resources in conjunction with Director of Corporate Affairs Date agreed by TNCC: May 2005 Date agreed by
More informationLease Car Scheme. Drivers Guide
NHS Fleet Lease Car Scheme Drivers Guide Scheme Administrator: Knowles Associates TFM Ltd Red Lion House, The Green Great Bentley Colchester Essex CO7 8QG Telephone: 01206 252300 Fax: 01206 252211 Email:
More informationCompany Vehicle, Car Allowance and Fuel Card Policy & Guidelines
Company Vehicle, Car Allowance and Fuel Card Policy & Guidelines 1.0 Principle 1.1 Amey provide company funded vehicles and fuel cards in order to attract the necessary calibre of staff, allowing it to
More informationEssex Fire Authority Car Lease Scheme. Terms, Conditions & Driver Information. Effective 20th May 2009
Essex Fire Authority Car Lease Scheme Terms, Conditions & Driver Information Effective 20th May 2009 Revised May 2009 1 Revised May 2009 2 Index Item No Description Page 1. Introduction 4 2. Eligibility
More informationBE MINI. MINI ROADSIDE ASSISTANCE & ACCIDENT MANAGEMENT.
BE MINI. MINI ROADSIDE ASSISTANCE & ACCIDENT MANAGEMENT. Driving a MINI is fun. Running into unexpected trouble is not. But with MINI Roadside Assistance & Accident Management, we ll do everything we can
More informationPolicy Summary. Keep this wording safe.
Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your
More informationSALARY PACKAGING MOTOR VEHICLES GUIDE TO EMPLOYEES
SALARY PACKAGING MOTOR VEHICLES GUIDE TO EMPLOYEES 1. Introduction Categories of Arrangements. 2. Benefits of Vehicle Leasing. 3. Lease Contract Conditions. 4. Understanding the Commitment. 5. Safety Nets.
More informationWhat you need to know about your lease car
About this booklet Lease Car Drivers Handbook What you need to know about your lease car The following notes are provided to help you deal with emergency situations, accidents and breakdowns and to ensure
More informationCARS AND CAR ALLOWANCES POLICY COMPANY CARS MSR ROUP. www.msrgroup.org.uk
COMPANY CARS MSR ROUP www.msrgroup.org.uk CARS AND CAR Company cars If you are provided with a company car, this will be set out in your contract of employment. Unless you are notified otherwise, a company
More informationRefers to a decrease in value of an item over time.
MOTOR VEHICLES 1. HELPFUL DEFINITIONS You/your/yourself/yours: Vehicle: Vehicle Accessories: Standard Vehicle Accessories: Non-Standard Vehicle Accessories: Depreciation: Betterment: Total Loss: Means
More informationNHS WALES CAR LEASE SALARY BENEFIT SCHEME
NHS WALES CAR LEASE SALARY BENEFIT SCHEME Car Lease Salary Benefit Scheme A new salary sacrifice scheme is being launched by Cardiff and Vale University Health Board in association with the NHS Wales Shared
More informationCar insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6
Car insurance policy summary The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full details
More informationUK and European breakdown cover
UK and European breakdown cover Introduction Welcome to UK and European breakdown cover This Motor Breakdown and accident recovery service is administered on behalf of The Co-operative Insurance by AXA
More informationMileage rates from 1 July 2014
4 June 2014 Mileage rates from 1 July 2014 Pay and Conditions Circular (AforC) 2/2014 Summary This Pay and Conditions Circular informs employers of changes to the rates of reimbursement for the additional
More informationinsure2drive Private Car and Small Commercial Vehicle Policy Summary
insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive is a trading name of Sabre Insurance Company Limited. Any reference to insure2drive in this document will mean Sabre Insurance
More information3-4 5-6 7-8 10-11 12-15 19-20 21-22 24-25 26-27 31-33 34-35 37 39-40 41-45 46-49 50-51 52-58
1 Contents Introduction to ingenie 3-4 Contract of insurance 5-6 Definitions 7-8 Policy cover 9 Important customer information 10-11 Your ingenie device 12-15 Summary of fitting charges 16 What to do if
More informationSouth Staffordshire and Shropshire Healthcare NHS Foundation Trust
South Staffordshire and Shropshire Healthcare NHS Foundation Trust Document Version Control Document Type and Title: Authorised Document Folder: New or Replacing: Document Reference: Version No. v2.0 Lease
More informationSee page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
More informationGroup Income Protection Technical Guide
For commercial customers and their advisers only Group Income Protection Technical Guide Reference BGR/4019/OCT12 Contents Page Its aims Employers your commitment Risk factors How does the policy work?
More informationCar insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered.
Whether you ve just bought your first car or want to reduce your existing car insurance quote, there are a few things that you'll need to know in order to get the best deal. Car insurance is a legal requirement
More informationAviva Motor Policy Summary and Important Information
Aviva Motor Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy documentation. It is
More informationSee page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
More informationBRECKLAND COUNCIL CAR LEASING SCHEME ( THE SCHEME ) GUIDE TO EMPLOYEES CONTENTS
1 BRECKLAND COUNCIL CAR LEASING SCHEME ( THE SCHEME ) GUIDE TO EMPLOYEES CONTENTS 1. General 2. Eligibility 3. Application 4. Insurance 5. Accident and Damage 6. Maintenance and Repairs 7. Termination
More informationGET THE CAR YOU LOVE THE SMART AND EASY WAY
GET THE CAR YOU LOVE THE SMART AND EASY WAY What is Novated Leasing? NOVATED LEASING MADE EASY A Novated Lease is a three way agreement between you, Custom Fleet and your employer. It can potentially save
More informationFull details of what you have chosen are shown in your personal quotation and policy schedule.
CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You
More informationChauffeur Insurance. Staveley Head Limited is authorised and regulated by the Financial Conduct Authority.
Chauffeur Insurance UNDERWRITTEN BY This is a summary of your policy and does not contain the full terms and conditions of your insurance policy. The full terms and conditions can be found in your insurance
More informationMotor Accident Claim Form Insured Section
Motor Accident Claim Form Insured Section Date Insured Name Insured Licence Code Licence : Date of Issue Insured Id Policy Insured Address Suburb Town Province Code Contact Person Landline Number Fax Number
More informationGROUP INCOME PROTECTION
GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY technical guide This document is a guide to the features, benefits, risks and limitations of the policy, including how the policy
More informationCraicncampers. The Hirer must comply, and is liable for ensuring that the named Driver(s) comply with the following obligations:
Craicncampers Terms and Conditions The following are the General Terms & Conditions of Hire between the hirer and Finnian O Connor & Thomas Rafferty trading as Craicncampers. Note that these terms & conditions
More informationContents. Your LeasePlan Car
Your LeasePlan Car Contents Your LeasePlan Car Our philosophy is that using a LeasePlan car should be easy. It s easy for you because, on behalf of your employer, we deal with pretty much all the paperwork
More informationLEASE CAR POLICY AND PROCEDURE
LEASE CAR POLICY AND PROCEDURE Lease Car Policy & Procedure Page: Page 1 of 16 Recommended by Approved by Executive Management Team Board of Directors Approval date 4 May 2011 Version number 1.4 Review
More informationCar insurance policy summary. Making a claim. Who provides the cover? Types and duration of cover. What if I want to cancel?
Car insurance policy summary Key facts The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full
More informationPrivate Vehicle Motor Insurance Key Facts
Private Vehicle Motor Insurance Key Facts This is a summary of your policy and does not contain the full terms and conditions of your insurance policy. The full terms and conditions can be found in your
More informationDRIVING WITH CONFIDENCE
MAKING SENSE OF CAR INSURANCE 1 DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 2007 1 MAKING SENSE OF CAR INSURANCE MAKING SENSE OF CAR INSURANCE 2 WHY IT IS IMPORTANT TO HAVE INSURANCE If you cause
More informationPrivate Car Policy Summary
Private Car Policy Summary Inside you ll find a summary of your Car Insurance Tesco Bank Box Insurance Car Insurance Private Car Policy Summary Welcome to Tesco Bank Box Insurance Thank you for choosing
More informationBelow are some questions and answers that you may find of interest when considering whether to participate in the Cycle to Work Scheme.
Cycle to work scheme Frequently asked questions Below are some questions and answers that you may find of interest when considering whether to participate in the Cycle to Work Scheme. 1. What is the Cycle
More informationCAR INSURANCE POLICY SUMMARY
CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You
More informationProposal Form Commercial Vehicle
Commercial Vehicle for your commercial vehicle insurance Introduction About NIG Thank you for choosing NIG as your Commercial Vehicle insurer. We have been established for over 100 years and provide insurance
More informationNARACOORTE LUCINDALE COUNCIL COUNCIL POLICY C1.9 MOTOR VEHICLES
RESPONSIBLE OFFICER: RELEVANT DELEGATIONS: LEGISLATION AND REFERENCES: Chief Executive Officer Director Corporate Services PURPOSE OF POLICY To define the parameters under which all employees, Elected
More informationReduce your fleet costs in nine simple steps
Reduce your fleet costs in nine simple steps 75% of fleets expect their costs to rise in 2010. 1 Running a cost efficient fleet is therefore more important than ever in order to keep your expenditure under
More informationGAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX
GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX FIRST STEPS 1. When an accident happens involving one of my vehicles what should I do? 2. When should I contact Gauntlet? 3. Are photographs important?
More informationFACULTY OF EDUCATION AND THEOLOGY INITIAL TEACHER EDUCATION TRANSPORT POLICY
FACULTY OF EDUCATION AND THEOLOGY INITIAL TEACHER EDUCATION TRANSPORT POLICY September 2013 Contacts School Partnership Office Head of School Partnership Office Nicola Thompson 01904 876549 School Placement
More informationYour car insurance policy Features and benefits
Your car insurance policy Features and benefits FBD Insurance plc, trading as Clan Insurance, is regulated by the Central Bank of Ireland PMV Clan FAB 2015 02 V1.0 Welcome to Clan Insurance. Our car insurance
More informationIf you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary
If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important
More informationBUSINESS TRAVEL POLICY
BUSINESS TRAVEL POLICY POLICY NO. POL/004/030 DATE RATIFIED 24 th February 2010 DATE IMPLEMENTED February 2010 NEXT REVIEW DATE February 2012 POLICY STATEMENT / KEY OBJECTIVE: To set out rules and guidance
More informationINTRODUCTION WHAT IS THE LEASE CAR SCHEME? WHO CAN JOIN THE SCHEME?
Introduction What is the lease car scheme? Who can join the scheme? How much will it cost? Is it cheaper than owning my own car? Can I choose any make of car? Who is insured to drive the car? What is included
More informationYour policy summary. If you have an accident...call us straight away on 0844 891 5391.
Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important
More informationMonash University. Novated Lease Vehicle Policy
Novated Lease Vehicle Policy Please note: changes and modifications to this policy and its attachments may occur from time to time without prior notice. It is encouraged that you review the policy on the
More informationCOMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC
COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC Introduction Choice of Cover Third Party Fire and Theft You are covered for liability to third parties (including passengers)
More informationBicycle Insurance. Product Disclosure Statement. Table of contents
Page 1 of 9 Product Disclosure Statement (Swann Insurance) Promoter: Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) Preparation date: 12
More informationCar Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by:
CommInsure Car Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by: Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL) trading as CommInsure 14 March
More informationCar Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by:
CommInsure Car Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by: Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL) trading as CommInsure 14 March
More informationCovea Insurance Private Car Summary.
Covea Insurance Private Car Summary. This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy booklet. A copy of the
More informationRefers to a decrease in value of an item over time.
MOTORCYCLES 1. HELPFUL DEFINITIONS You/your/yourself/yours: Vehicle: Vehicle Accessories: Standard Vehicle Accessories: Non-Standard Vehicle Accessories: Depreciation: Betterment: Total Loss: Means you
More informationSECTION: COMPANY MOTOR VEHICLES PAGE: 1 / 8
SECTION: COMPANY MOTOR VEHICLES PAGE: 1 / 8 1. Policy 1.1 Within the provisions stated in this Manual, it is the Company s policy to provide a company car serviced and maintained by the Company, to employees
More informationPASSENGER AND LIGHT COMMERCIAL VEHICLE
Governance Division Employment Policy Section ACTPS NON-EXECUTIVE PASSENGER AND LIGHT COMMERCIAL VEHICLE MANAGEMENT GUIDELINES May 2010 CONTENTS 1. DEFINITIONS 2. INTRODUCTION 3. FLEET MANAGEMENT AND REPORTING
More informationYOUR ONE STOP VEHICLE MANAGEMENT SOLUTION. WWW.MINTAUTOMOTIVEGROUP.CO.UK
YOUR ONE STOP VEHICLE MANAGEMENT SOLUTION. WWW.MINTAUTOMOTIVEGROUP.CO.UK 2 ABOUT MINT AUTOMOTIVE GROUP WELCOME TO MINT AUTOMOTIVE Mint Automotive Group is an independently run vehicle management company,
More informationCOUNCILLORS VEHICLE USE POLICY
COUNCILLORS VEHICLE USE POLICY (ADMINISTRATIVE POLICY) 1. Scope: This policy applies to all Rockhampton Regional Council Councillors who elect to have use of a Council vehicle. The type of vehicle provided
More informationMotor Legal Care Terms and Conditions
Motor Legal Care Terms and Conditions The cover provided under this notice is in addition to your Breakdown cover and should be read together with your existing terms and conditions. RAC Motor Legal Care
More informationPREMIUMS, EXCESSES, DISCOUNTS & CLAIMS GUIDE
Secure Motorhome Insurance Product Disclosure Statement PREMIUMS, EXCESSES, DISCOUNTS & CLAIMS GUIDE The purpose of this Guide is to provide further details about the amount you pay for this insurance,
More informationTerms and Conditions
Terms and Conditions To hire our vehicle you must be between the ages of 25-70 years old. Please note additional drivers (Maximum 2) there is an additional insurance charge of 5.00 per driver per day due
More informationPolicy Summary www.debenhamscarinsurance.co.uk
Policy Summary www.debenhamscarinsurance.co.uk Contents Policy Summary... 3 Introduction to Debenhams Car Insurance... 3 Summary of Cover... 3 Claims Helpline... 3 Windscreen Helpline:... 3 Insurer...
More informationYour Policy Summary. Important information about your Motor Insurance Policy. Important Numbers
Your Policy Summary Important information about your Motor Insurance Policy Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 107 1156* (24 hours)
More information