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FINANCE

Your new purchase could be closer than you think.

We understand that purchasing a new vehicle can be a significant financial undertaking, and we recognize that not everyone may have the necessary funds readily available. To make it easier for our customers to acquire the vehicle they want, we offer financing options that provide greater flexibility and convenience. Our financing plans come with competitive interest rates. Our aim is to provide a hassle-free financing experience that enables our customers to enjoy the thrill of riding a new vehicle without having to worry about financial constraints.

We offer finance for both new and used, and on or off the road vehicles through Blackhorse or Santander, with variable repayment terms and deposits.

To get a finance quote, click here. For any questions or enquiries on finance, please click here. 





How it works:

1

You'll agree an initial deposit, your agreement terms and your monthly repayments with us.

2

Your deposit is taken from the price of the vehicle.

3

You'll then pay the remaining balance plus interest in equal monthly repayments over the agreed term.

4

Black Horse buys the vehicle on your behalf and owns the vehicle for the duration of the finance agreement.

5

After you've made all the repayments including any interest, you will become the owner of the vehicle.

Things to consider:
 

  • You must be at least 18 years old and a permanent UK resident.

  • You must have, at a minimum, third party, fire & theft insurance for the full replacement value.

  • You must have the relevant driving licence for the vehicle.

  • The motorcycle is at risk of repossession if you do not maintain contractual repayments.

  • Protection under the Consumer Credit Act Termination Rights and Protection under the Consumer Rights Act.

  • Before you decide to apply for finance for a vehicle, we would encourage you to get in contact with us, so that you can make a fully informed decision as to whether the vehicle is suitable for you.

  • Details of your credit agreement will be recorded with credit reference agencies.

Understanding HP (Hire Purchase):

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Deposit
Choose your amount

Fixed Monthly Payments
The rest of the cost of the vehicle, plus interest is paid in equal monthly payments.

What you will pay:

Flexible Deposit Options

Flexible deposit options to suit you.

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You'll make equal monthly repayments with a fixed interest rate, over your chosen period.

Fixed interest rate & monthly repayments

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You will own the motorcycle after all the repayments including interest have been made. 

End of agreement

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blackhorse logo
Santander logo

Initial Disclosure Document




Boat Harbour (London) Ltd
1 Oldfields Road
SM1 2NB 

1 The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. This document is designed to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered.


2 Whose products do we offer?
We offer a variety of insurance products from a range of insurers. A list of our insurers is available on request.




3 Which insurance services will we provide you with?
We will advise and make recommendations for you after we have assessed your needs for Guaranteed Asset Protection, Paint Protection, Warranties and Mechanical Breakdown insurance.




4 Credit Facilities
We offer a variety of finance products from a limited panel of lenders. A list of our lenders is available on request.




5 What Credit Facilities will we provide you with?
We will advise and make recommendations for you after we have assessed your financial needs and circumstances




6 Remuneration
You are entitled at any time to request information regarding any commission which we have received as a result of arranging your finance. If we do not know the exact amount of commission we will provide you with the likely amount




7 What will you have to pay us for our services?
There are no fees for our services




8 Who regulates us?
We are authorised by the Financial Conduct Authority
Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, E14 5HS. Firm Reference Number...enter here
You can check this on the FCAs register by visiting the FCAs website http://www.fsa.gov.uk/register/home.do
or by contacting the FCA on 0300 500 0597




9 Ownership
Boat Harbour (London) Ltd  has been registered as a limited company since 1952 and the registered number is 785035

10 What to do if you have a complaint
Most complaints can be resolved at the dealership, by the General Manager, Wayne Brock. If you are not able to settle your dispute with us directly you may be able to refer it to the Financial Ombudsman Service, Exchange Tower, London E14 9SR



10 What to do if you have a complaint
Most complaints can be resolved at the dealership, by the General Manager, Wayne Brock. If you are not able to settle your dispute with us directly you may be able to refer it to the Financial Ombudsman Service, Exchange Tower, London E14 9SR



11 Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without an upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The scheme does not cover consumer credit. Further information about the compensation scheme is available from the FSCF on 0207 892 7300 or by visiting www.fscs.org.uk

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