엔진오일 교환 수리 사례

2026. 10. 2. 작업

난이도 & 준비물

증상

I've been having a look at this and I pick up our new car (just under 2.5 years old) on Saturday, so need to get a move on. But I am confused as hell by which type of policy I need from the Back to Invoice and Vehicle Replacement options!Car is on HP for 48 months, deposit probably came to about 12 or 13% of the price. Which policy should I be looking for a quote on and why?

처리 내용

knitware - that's great, thank you!Hi TroubledSoul, hopefully I can help make that a bit clearer. The difference between them is very slight and mostly down to personal preference.First of all, whichever policy you decide to take, if the finance settlement figure is the higher amount at the time of a total loss this is the amount we will pay up to to from your insurer's settlement so that you are not left with any finance on a car you no longer have.If you have a Back to Invoice policy and the invoice price is more than the outstanding finance, it will pay the difference between the settlement from your comprehensive motor insurer and the original cash price of the car, so the top up is up to the amount shown on your purchase invoice. Alternatively if you have the Vehicle Replacement policy this will pay the difference up to the replacement cost of another 2.5 year old vehicle of the same make, model, specification and mileage as the car you are collecting on Saturday, even if that is more than you originally paid. It is protecting you from price rises and so could be more than the invoice price you paid. Also, if you have had any discounts on the original purchase price this protects you in the event that is not available next time.The money from either policy is paid to you directly, it is just the amount we pay up to that varies depending upon which policy you choose. Once you have received settlement from us and your insurer, the finance can then be cleared and any monies remaining are yours to use as you wish.If you're happy to be paid up the invoice price and are not worried about price increases, then Back to Invoice would be perfectly suitable for you. If you're concerned the car might cost more in the future then the Vehicle Replacement would be a better option.I know you've spoken to my colleague in the meantime but hopefully this will help anyone in the same position. Any other questions please let me know ThanksKatie