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Shortfall.co.uk & Aequitas Automotive Ltd.

 

Shortfall.co.uk is one of a number of brands under the Aequitas Automotive umbrella. If you have had a policy with one of the following, Gap Insurance 123, Easy Gap or Total Loss Gap, you will have purchased an Aequitas policy. 

 

All of the brands are different in a number of ways, they each have different underwriting insurers behind them as well as being able to offer different policy types for different circumstances. The aim being to have a solution for each and every circumstance, whether that be a brand new motorbike or a five year old vehicle being used as a Taxi. Shortfall.co.uk is underwritten by a financially 'A' rated underwriting insurer, Mapfre | Abraxas. In fact, the Mapfre | Abraxas combination is amongst the leading underwriters in the industry, as they currently underwrite a number of main manufacturer policies in the UK. 

 

Being part of Aequitas, our customer service levels are paramount to all that we do. Whilst we are proud of the leading comprehensive features we have within the policies, we know that with any form of insurance, what happens when you call to make a claim, transfer a policy or even change an address is when you get to see exactly what you have purchased.

 

All of our brands have been featured within the Which? Report on Gap Insurance, helping to give the consumer the information to make an informed decision on where and when to purchase Gap Insurance. Shortfall.co.uk has been featured within the report four years running. We have also been featured within a similar publication on Martin Lewis Money Saving Expert. 

 

With over 15,000 genuine customer testimonials coming back with a rating of over 4.8 out of 5, at Aequitas we really do guarantee real value for money along with award winning levels of customer service. 

 

 

When you choose a Shortfall.co.uk product you are choosing features that have been carefully developed with the consumer in mind.

The Financial Services Authority (FSA) changed earlier this year to now become known as the Financial Conduct Authority. (FCA for short)

 

In order for any business, organisation or company to be able to offer, promote or provide insurance they must be regulated in some way with the FCA.

 

Shortfall.co.uk is an online trading name of Aequitas Automotive Ltd (Company Registration Number 7347606)

Aequitas Automotive Limited is an Appointed Representative of Tobell Insurance Services Limited (Ref No 309576) which is authorised and regulated by the Financial Conduct Authority for Insurance Mediation and Consumer Credit purposes.
 
Our FCA Permitted business is arranging general insurance and finance contracts.
 
Aequitas is a broker for finance and not a lender. We can introduce you to a limited number of lenders and finance products to assist with your purchase, who may pay us for introducing you to them.
 
You can check this on the FCA Register by visiting the www.fca.org.uk or by contacting the FCA direct on 0800 111 6768.

 

You can check our credentials by typing in our Limited company name Aequitas Automotive Limited or by typing in our FCA Number which is 541186.

Aequitas Are Proud Members of BIBAAt Shortfall Insurance being part of Aequitas Automotive Limited we are also proud Members of the British Insurance Brokers Association, (BIBA for short).

 

BIBA is an independent Association and the UK's leading insurance intermediary organisation who represent the interests of both the insurance broker and the customer. They have over 2,000 members having recently merged with the Institute of Insurance Brokers (IIB) in November 2011.

 

Via BIBA's find insurance service they help over 400,000 people year to find insurance via their services.

 

They also provide technical advice, guidance on regulation and maintain, industry standards.

 

Their Mission Statement is (taken from BIBA Website)

 

To represent and protect the best interests of our insurance broker and intermediary members.

 

BIBA strives to achieve this by:

Promoting the services and contribution that insurance brokers and intermediaries provide with advice, guidance and access to risk management and insurance protection.

Influencing the relevant decision makers and policy writers that affect our sector.

Maintaining and developing a stable business environment in which our members operate by keeping them informed of relevant issues, providing a forum for discussion and the exchange of non-competitive information.

Supporting members both collectively and individually through a series of facilities and support services.

 

Our membership number is 006652.

It is very important that you know that your information is processed and looked after in a correct and sensitive way.

 

The Information Commissionaire's Office is a governing body which helps to ensure that your information is kept secure. The ICO is the UK’s independent authority set up to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals. (taken from ICO Website).

 

They are responsible for ensuring that the following government legislation is adhered to.

 

Data Protection Act 1998
Freedom of Information Act 2000
Privacy and Electronic Communications Regulations 2003
Environmental Information Regulations 2004
INSPIRE Regulations 2009

 

Our membership number is Z2455374.

 

 

The Financial Services Compensation Scheme is an independent body which helps to cover costs if the financial service provider you have bought a product from is no-longer there to meet their financial obligations.

 

Almost in the same way that when you buy a holiday it is important to make sure that you are backed by ABTA.

 

All regulated firms are bound to pay into the scheme and it is important to make sure that in todays uncertain times that any financial product you buy is backed by the scheme.

 

We are not for a single second suggesting that their is any financial instability with either us or our underwriters, however it is strange financial times we live in and while we are just about to enter phase three of an expansion plan it is always better to cover all options. After all no-one predicted that anything would ever happen to some of the worlds largest banking and financial institutions but it did. 

 

Unlike Car Insurance our policies are all classed as supplementary.

 

This means that there is no legal requirement for you to protect yourself. 

 

Under the guidelines laid out by the Financial Services Compensation scheme should you need to make a claim under the scheme then you may be entitled to up to 90 % of any claim with no upper limit. You can see a list of full claim limits by visiting the FSCS Website.

Being part of Aequitas Automotive Limited we are proud to be a privately owned Limited Company.

 

We feel this puts us in the unique position of being able to be flexible with both customers and suppliers alike and ensure that we can adapt to customers expectations as we are not tied to any one single supplier and in fact have a portfolio of 5 different underwriters.

 

Our company is registered at Companies House.Aequitas Automotive and Shortfall

 

Our Company Registration number is 7347606.

 

Our registered address is

56 Hamilton Square

Birkenhead

Wirral

CH41 5AS