Status Disclosure

Thank you for considering Intelligent Vehicle Finance to help you find and finance your next vehicle. We are committed to treating our customers fairly, so set out below are the facts about who we are, what we do and how we are paid. You can read more about that commitment on our treating customers fairly page.

Who we are

Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd (Company No. 03923327), established more than 25 years ago and operating nationwide from our offices at The Melville Building, 15 Royal William Yard, Plymouth, PL1 3RP.

We are an independent credit intermediary. We source vehicles and introduce customers to finance providers, with access to a representative range of vehicle finance products and services.

We are authorised and regulated by the Financial Conduct Authority (FCA), the independent body that regulates financial services. Our FCA register number is 315268. You can check our authorisation at register.fca.org.uk or by calling 0800 111 6768.

We are a credit broker, not a lender.

How we are paid

Our charges may also include an administration fee, which will be shown clearly on your quotation. We will tell you when you have a right to cancel, along with any other charges that may apply.

The service we provide

We are not financial advisers, so we cannot offer you advice or make recommendations. We will ask questions to narrow down the products we give you details on. You then make your own choice about how to proceed.

We also act as an insurance intermediary for certain optional insurance products, offered from a limited number of insurers. You can ask us for a list of the companies whose products we offer. We do not charge a fee for our insurance services. As with our credit services, you will not receive advice or a recommendation from us.

Financial Services Compensation Scheme

For our insurance products, we are covered by the Financial Services Compensation Scheme (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. Non-compulsory insurance is covered for 90% of the claim without any upper limit. The FSCS does not cover consumer credit business.

Cancelling an insurance policy

You have a statutory right to cancel your insurance policy within 14 days of issue. Policies cancelled outside this period may be subject to an administration fee. Full details are in your policy documents.

Your responsibilities

When you order with us, or make changes to an existing order, you must take reasonable care to give complete and accurate answers to the questions we ask, and disclose all material facts. A material fact is anything the insurer or finance provider needs to know about the risk they are accepting.

When an insurance policy or credit agreement is issued to you, please read it carefully. It forms the basis of the cover you have purchased or the contract you have entered into. If you are in any doubt about any of the terms and conditions, tell us straight away.

Your information

Under data protection law you have the right to access the personal information we hold about you. Insurers share information with each other to help prevent fraudulent claims, and in the event of a claim information is placed on industry registers for analysis. Finance providers share information with credit reference agencies and fraud prevention agencies.

Our terms and conditions of business can be found online at www.thebestcardeals.co.uk/terms, or we can send you a copy on request. All calls are recorded for training and quality assurance purposes.

If something goes wrong

If at any time you are unhappy with the service you receive, please get in touch.

• Write to us at: Customer Services Team, XLCR House, 35-43 Albert Road, Colne, Lancashire, BB8 0BU
• Call us on 08000 833 711, or 01282 857 850 if your telephone company charges for freephone calls

We are a member of the British Vehicle Rental & Leasing Association (BVRLA) and follow their code of conduct. If you are not satisfied with our response to a complaint, the BVRLA offers a conciliation service. Email them, or write to BVRLA, River Lodge, Badminton Court, Amersham, HP7 0DD.

In certain circumstances you may also refer your complaint to the Financial Ombudsman Service (FOS), which arbitrates on unresolved complaints between regulated firms and their clients. Visit www.financial-ombudsman.org.uk or call 0800 023 4567 or 0300 123 9123. You can find more details of our complaints procedure on our complaints page.

Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd, authorised and regulated by the Financial Conduct Authority, FRN 315268. We are a credit broker, not a lender. Last updated: July 2026.