Within the dcmd ltd range of financial services we can offer you many different insurance options, these range from: -

• Multi Year Fixed Premium Insurance
• Private Insurance
• Commercial Insurance
• Early Termination Insurance

Please click on any of the links at the top of the page for more information regarding the above offerings

Established in 1999 LiL insurance has become a market leader in Early Termination, Gap and Multi year Private Insurance for car and commercial vehicles. LiL has a very Impressive client base including NSPCC, McDonalds and The BOC Group PLC who all appreciate the knowledge and experience that we bring to these specialist Insurances.

We provide complete support ranging from quotation to document issue right through to a comprehensive claims handling service.

We specialise in Insurance for Leased, financed and contract vehicles. We provide a series of bespoke schemes to a wide range of customers.

We pride ourselves on our first class service, efficiency and attention to detail along with flexibility towards the needs of the individual.

Quality and Experience in a specialist field.

• Annual price Insurance
• Fixed price multi year Insurance for two, three or four years.
• Generous introductory discounts and acceptance of company car driving history.
• Guaranteed free courtesy car when using one of our approved repairers.
• Quotation at point of sale.
• Individual rating and employer fixed premium schemes available.
• Full European Union cover included.
• Unlimited windscreen replacement by an approved repairer.
• Fully comprehensive accident management services with a 24 hour claims helpline
facility.

Accident Management

• Professional, high quality accident repairs by recommended repairers.
• Courtesy car for the duration of the repair.
• Prompt collection of the damaged vehicles.
• Return of the repaired vehicle.
• Car valeted after repairs.
• Repair guaranteed for 3 years.
• Uninsured loss recovery service.


A helping hand when you need it most!

Legal Services

Expert protection of your interests and recovery of uninsured losses, including:

• Personal injuries
• Loss of earnings
• Alternative vehicle hire
• Incidental expenses
• Policy excess

Protecting your Interests!

We not only specialise in Private Car Insurance. We have developed a brand new product that offers a fixed price, multi year policy for commercial vehicles.

Available to individuals who lease vehicles up to 7.5 tons Gross Vehicle Weight

With Various payment methods also available we can tailor your insurance requirements to fit your needs.

Make Insurance Work For You

• Annual price Insurance
• Fixed price multi year Insurance for two, three or four years.
• Generous introductory discounts and acceptance of company car driving history.
• Guaranteed free courtesy car when using one of our approved repairers.
• Quotation at point of sale.
• Individual rating and employer fixed premium schemes available.
• Full European Union cover included.
• Unlimited windscreen replacement by an approved repairer.
• Fully comprehensive accident management services with a 24 hour claims helpline
facility.

Accident Management

• Professional, high quality accident repairs by recommended repairers.
• Courtesy car for the duration of the repair.
• Prompt collection of the damaged vehicles.
• Return of the repaired vehicle.
• Car valeted after repairs.
• Repair guaranteed for 3 years.
• Uninsured loss recovery service.


A helping hand when you need it most!

Legal Services

Expert protection of your interests and recovery of uninsured losses, including:

• Personal injuries
• Loss of earnings
• Alternative vehicle hire
• Incidental expenses
• Policy excess

Protecting your Interests!

If your car is stolen and not recovered or damaged beyond economical repair, the claim settlement may not cover the outstanding loan or any termination charge.

You could be left without a car but still responsible for continuing finance payments!

Gap Insurance covers the shortfall up to an agreed limit.

Gap Insurance offers Peace of Mind!

Gap Premium Calculations

The premiums vary depending on the indemnity limit required and are calculated in one of two ways:

A flat Premium or Based on a percentage of your monthly finance agreement costs.

It is a condition of buying Gap Insurance that there is a comprehensive motor policy in force.

All finance agreements contain conditions, which apply if the contract is terminated prior to the agreed expiry date.

In the event of a change of circumstances an individual may need to terminate the agreement early, and will therefore incur financial penalties. Early Termination Insurance protects you from being personally responsible for those penalties.

In addition we can offer Payment Protection Insurance. In the event of an accident, sickness or redundancy we will pay the lease company the monthly payments due under the finance agreement for a maximum of six consecutive months.

Protection and Reassurance!

Cover Available

• Resignation
• Withdrawal of driving Licence for medical reasons
• Death, disablement or mental health of driver or spouse
• Termination illness for the driver or spouse
• Redundancy

Other cover options will be considered upon request!

• Premiums are calculated based on a percentage of the monthly finance payment (excluding maintenance charge), and the contract period of either 2, 3 or 4 years.
• All rates include Insurance Premium Tax. The rates remain the same whether you have a 2, 3 or 4 year agreement.
• Settlements for claims are calculated from the date the vehicle is returned.
• All policies contain an excess period, usually of six months.

Policy wordings are available on request.