1.1 Welcome to www.shortfall.co.uk This site is owned and operated by Aequitas Automotive Ltd (“we”, “us” or “our”)
1.2 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you do not wish to be bound by what you read below, you should not use www.shortfall.co.uk
1.3 We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.
2. What we do
2.1 This site provides information on GAP Insurance and other supplementary insurance policies. We provide regularly updated general information with our views on GAP Insurance and additional policies. We encourage www.shortfall.co.uk users to contact us with any queries regarding GAP Insurance and other products. The information that you read on this site is a great starting point for your further research into what suits your particular requirements.
3. What we do not do
3.1 The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.
5.1 Our site does include details on, or links through to, information provided by other websites. We do not control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.
5.2 When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them!
5.3 Some of the links included on our site may be affiliated links.
6. Our content
6.1 All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.
6.2 The content on our site includes any information or other material found on www.shortfall.co.uk, articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
6.3 . All brand names and trade marks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holder's rights.
7. Disclaimer of warranties and liability
7.1 We provide our site in good faith but we cannot and do not warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own research and decisions and that we shall not be liable for any action that you or others take or don't take based on your use of or reliance on information provided by us or other users of this Site.
7.2 We do not promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contamination or other harmful properties.
7.3 The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.
7.4 Aequitas Automotive Ltd act as an insurance intermediary and as such does not guarantee the solvency of any insurer, does not monitor insurer solvency on an ongoing basis and accepts no liability for loses of any client due to an insurer being deemed insolvent
9.1 You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you communicate to us, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.
10.1 If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
10.2 This site is directed to users in England, Scotland , Northern Ireland and Wales only unless otherwise specified for specific items posted on this site.
10.3 These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.
11.1 These Terms were published on 3 September 2013 and replace with immediate effect the Terms previously published
12. Contact us
This site is owned and operated by
Aequitas Automotive Ltd
Office: Aequitas House, 56 Hamilton Square, Birkenhead, Wirral, CH41 5AS
Registered in England & Wales with number 7347606
If you have any questions about our site or these Terms and Conditions, please contact us by writing to Aequitas Automotive Ltd, Aequitas House, 56 Hamilton Square, Wirral, CH41 5AS
Posted: 9th September 2013
We want each and everyone of are many customers to be 100% satisfied with the type and level of Gap Insurance cover or supplementary policy that they have purchased.
However, we are all human and from time to time we all change our minds that is perfectly normal.
To protect you and as part of Aequitas Automotive Limited's trading as shortfall.co.uk commitment to continued 100% customer care records and in accordance with current FCA and government regulations regarding the sale of insurance products you have the right to ask for a refund for any policy you have purchased.
Yes!! Our policies are fully cancellable. The cancellation rights for each type of product can differ. Please refer to the individual product terms and conditions on the quote pages for more details.
For example, If you cancel a Shortfall.co.uk Gap Insurance policy within 30 days of the policy purchase, then we can issue with a full refund of the policy premium. There are no fees or penalties applied. After 30 days then there is a pro rata refund calculation applied, less a £35 cancellation fee.
There a few exceptions where a full refund cannot be issued, one would be if you have attempted to make a claim, for example. Please refer to the policy terms and conditions for full details, or call our customer services team for any clarification.
Should you wish to ask for a refund for any policy you have purchased please inform us in writing. Where possible please use recorded or registered mail. (Aequitas Automotive Ltd accept no responsibility or liability for any lost or mislaid post)
What if you change you mind on the level of cover, and your policy price increases or decreases for the amendment?
In these circumstances, we will require written confirmation from you that you wish to amend the policy, and any extra payment, or partial refund will be processed accordingly. Shortfall.co.uk will issue new policy documents reflecting the policy amendment. Please note, this facility is only available during your policy 'cooling off' period.
Please note that refunds are usually processed within a 2 working day time frame, depending upon your bank it may take longer to appear on your statement / balance.
If you have any further questions or queries please do not hesitate to contact us.
Any refund does not affect your statutory rights in any way.
The copyright, database rights, and rights to all items published on www.shortfall.co.uk are licenced to or remain the property of Aequitas Automotive Limited.
Printing or downloading extracts from our shortfall Website for your personal use is permitted, however, use of our material for any commercial or public use is not permitted.
We do not allow any of the content displayed on www.shortfall.co.uk to be reproduced, stored in or transmitted on any other Web site without written permission of Aequitas Automotive Limited.
If you wish to do so, please contact us for written permission before proceeding.
At Aequitas Automotive Limited we pride ourselves on our high standards of customer care and are constantly striving to exceed customer expectations and openly welcome feedback. We take all criticism as constructive and look forward to your comments.
In the unlikely event that you should wish to make a complaint, in the first instance we would request that you make any formal complaint directly to us by email.
Complete customer satisfaction is paramount to us and our company ethics. We take any complaint so seriously that your form is sent directly to our Head of Customer Care to deal with personally. Alternatively, you can post your complaint to;
Aequitas Automotive Limited,
56 Hamilton Square,
We will then we respond to you within 7 days.
You can also telephone us on our free phone number 0800 195 4926 or if you would prefer, our local rate number on 0151 647 7556.
If your complaint is with reference to our FCA Status or regarding regulatory aspects you can also complain directly to Tobell Insurance Services Limited, Westthorpe Business Innovation Centre, Westthorpe Business Park, Killamarsh, S21 1TZ.
Telephone 0114 321 9680
In both instances we would ask that you clearly mark your letter 'complaint'.
If Automotive Compliance Limited or Aequitas Automotive Limited are unable to settle and resolve your complaint in a satisfactory manner, you may have the right to refer the matter further. Please click to find out how to initiate a complaint to the financial services ombudsman. Alternatively, you can open a dispute with the Online Dispute Resolution Website which is an official website managed by the European Commission.
This does not affect your statutory rights in any way.