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Polisi Preifatrwydd Your Privacy Trust Us with Your Information Who we are We are Fleet Accident Management Hub Limited, Company Number 16275468 and VAT registration no. 488 2688 26. Our main website address is: www.fleetamh.com What personal data we collect and why we collect it Comments When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment. Media If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website. Contact forms Cookies If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day. Embedded content from other websites Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website. Analytics Who we share your data with We do not share information provided via the website. How long we retain your data If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.What rights you have over your dataIf you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes. Where we send your data Visitor comments may be checked through an automated spam detection service. Fleet Accident Management Hub Limited is Registered with the Information Commissioner's Office, Registration reference: ZB872790

Pwrpas y templed canlynol yw eich cynorthwyo i ysgrifennu eich datganiad hygyrchedd. Sylwch mai chi sy'n gyfrifol am sicrhau bod datganiad eich safle yn bodloni gofynion y gyfraith leol yn eich ardal neu ranbarth. *Sylwer: Mae dwy adran i'r dudalen hon ar hyn o bryd. Ar ôl i chi gwblhau golygu'r Datganiad Hygyrchedd isod, mae angen i chi ddileu'r adran hon. I ddysgu mwy am hyn, edrychwch ar ein herthygl “Hygyrchedd: Ychwanegu Datganiad Hygyrchedd i'ch Gwefan”. DATGANIAD HYGYRCHEDD Diweddarwyd y datganiad hwn ddiwethaf ar [nodwch y dyddiad perthnasol]. Rydym ni yn [nodwch enw'r sefydliad / busnes] yn gweithio i wneud ein gwefan [rhowch enw a chyfeiriad y safle] yn hygyrch i bobl ag anableddau. Beth yw hygyrchedd gwe Mae safle hygyrch yn caniatáu i ymwelwyr ag anableddau bori'r wefan gyda'r un rhwyddineb a mwynhad, neu lefel debyg, ag ymwelwyr eraill. Gellir cyflawni hyn gyda galluoedd y system y mae'r wefan yn gweithredu arni, a thrwy dechnolegau cynorthwyol. Addasiadau hygyrchedd ar y wefan hon Rydym wedi addasu'r wefan hon yn unol â chanllawiau WCAG [2.0 / 2.1 / 2.2 - dewiswch opsiwn perthnasol] , ac wedi gwneud y safle'n hygyrch i lefel [A / AA / AAA - dewiswch opsiwn perthnasol]. Mae cynnwys y wefan hon wedi'i addasu i weithio gyda thechnolegau cynorthwyol, megis darllenwyr sgrin a defnyddio bysellfwrdd. Fel rhan o’r ymdrech hon, rydym hefyd wedi [cael gwared ar wybodaeth amherthnasol]: Wedi defnyddio'r Dewin Hygyrchedd i ganfod a thrwsio problemau hygyrchedd posibl Gosodwch iaith y safle Gosodwch drefn cynnwys tudalennau'r wefan Strwythurau pennawd clir wedi'u diffinio ar bob un o dudalennau'r wefan Ychwanegwyd testun amgen at ddelweddau Cyfuniadau lliw wedi'u gweithredu sy'n bodloni'r cyferbyniad lliw gofynnol Llai o ddefnydd o symud ar y safle Sicrhau bod yr holl fideos, sain a ffeiliau ar y wefan yn hygyrch Datganiad o gydymffurfiad rhannol â'r safon oherwydd cynnwys trydydd parti [ychwanegwch os yw'n berthnasol yn unig] Mae hygyrchedd tudalennau penodol ar y wefan yn dibynnu ar gynnwys nad yw'n perthyn i'r sefydliad, ac yn hytrach yn perthyn i [nodwch enw trydydd parti perthnasol] . Mae hyn yn effeithio ar y tudalennau canlynol: [rhestrwch URLau'r tudalennau] . Rydym felly yn datgan cydymffurfiad rhannol â'r safon ar gyfer y tudalennau hyn. Trefniadau hygyrchedd yn y sefydliad [ychwanegwch os yn berthnasol yn unig] [Rhowch ddisgrifiad o'r trefniadau hygyrchedd yn swyddfeydd / canghennau ffisegol sefydliad neu fusnes eich safle. Gall y disgrifiad gynnwys yr holl drefniadau hygyrchedd cyfredol - gan ddechrau o ddechrau'r gwasanaeth (ee, y maes parcio a / neu orsafoedd cludiant cyhoeddus) i'r diwedd (fel y ddesg wasanaeth, bwrdd bwyty, ystafell ddosbarth ac ati). Mae hefyd yn ofynnol nodi unrhyw drefniadau hygyrchedd ychwanegol, megis gwasanaethau i’r anabl a’u lleoliad, ac ategolion hygyrchedd (e.e. mewn anwythiadau sain a lifftiau) sydd ar gael i’w defnyddio] Ceisiadau, materion ac awgrymiadau Os byddwch yn dod o hyd i broblem hygyrchedd ar y safle, neu os oes angen cymorth pellach arnoch, mae croeso i chi gysylltu â ni trwy gydlynydd hygyrchedd y sefydliad: [Enw'r cydlynydd hygyrchedd] [Rhif ffôn y cydlynydd hygyrchedd] [Cyfeiriad e-bost y cydlynydd hygyrchedd] [Rhowch unrhyw fanylion cyswllt ychwanegol os yn berthnasol / ar gael]

PCP CLAIMS UPDATE FROM FCA Start Now Courts have found that firms broke the law by failing to disclose important information to customers. An industry-wide scheme is the quickest and most cost effective way to deliver fair compensation. We had over 1,000 consultation responses and engaged extensively with consumer groups, professional representatives, firms, manufacturers, investors and industry bodies. While most respondents supported a scheme, we received much conflicting feedback on its details. We have listened and made several changes, set out in detail below, to design a final scheme which strikes the balance between sometimes competing principles such as simplicity and cost effectiveness, comprehensiveness and fairness. Our final approach is fair for consumers and proportionate for firms. We have tightened eligibility so only those treated unfairly receive compensation. Agreements involving minimal commission or zero APRs will not receive redress. Where a lender can prove there were visible links with a manufacturer and dealer, a contractual tie alone will not trigger compensation. The threshold for high commission cases has been modestly raised. These and other changes mean 12.1m agreements are now eligible for compensation, down from 14.2m at consultation. We have adjusted how compensation is calculated to better reflect greater loss between 2007-2014. We have also ensured that consumers are not put back in a better position than they would have been had they been treated fairly, so in around 1 in 3 cases compensation will be capped. Firms are expected to pay out around £7.5 billion in redress, down from £8.2 billion at consultation. We have also streamlined the scheme so consumers are compensated quickly and it is cost effective for firms to deliver. Millions of consumers will be compensated this year, most of the rest by the end of 2027. Lenders will only need to contact complainants or those due compensation and recorded delivery will not be required, helping to cut the cost to firms of delivering the scheme by over 40%. The estimated total bill to firms is down from £11 billion to £9.1 billion. We want to provide certainty for consumers and finality for firms and investors, supporting the ongoing availability of competitively priced motor finance. Our approach is the best way to resolve this issue in the interests of consumers, firms, investors and the market. We estimate the cost of dealing with complaints would be over £6bn more without a scheme. We expect everyone to get behind the scheme, and lenders to put things right promptly for their customers. We need to draw a line under the past and support a healthy motor finance market for the future. Scope Motor finance agreements taken out between 6 April 2007 and 1 November 2024 where commission was payable by the lender to the broker will be considered for compensation. Firms owe liabilities from 2007. If complaints from that date were not covered they would need to be dealt with individually by firms, the Financial Ombudsman Service and through the courts, resulting in higher costs, lengthy delays and greater uncertainty. We have the powers to include agreements before 2014. However, this was questioned by some consultation respondents. So, we will implement two schemes, one covering 6 April 2007 - 31 March 2014 and one from 1 April 2014 - 1 November 2024. If the earlier period is subject to legal challenge on these grounds, redress for consumers with agreements from April 2014 shouldn’t be delayed. Eligibility Consumers will only be considered for compensation if they weren’t told details of at least one of 3 arrangements between the lender and the broker (usually the dealer): A discretionary commission arrangement (DCA), which allowed the broker to adjust the interest rate the customer would pay to obtain a higher commission. A high commission arrangement (at least 39% of the total cost of credit and 10% of the loan). Contractual ties that gave a lender exclusivity or a right of first refusal, except where the lender can prove there were visible links with the manufacturer and dealer. There will be some exceptions, with cases considered fair, if: The commission was £120 or less for agreements beginning before 1 April 2014 and £150 or less from that date. Commission amounts below those levels are unlikely to have influenced the consumer’s decision or broker’s behaviour. The borrower wasn’t charged interest. The DCA wasn’t used to earn discretionary commission. The lender can prove, in certain limited circumstances, it was fair not to disclose one of the arrangements above or that the consumer did not suffer any loss. This includes if a tie wasn’t operated in practice or no better deal was available. Consumers who have successfully complained to the Financial Ombudsman, had their claim determined by a court or accepted redress will be excluded from the scheme. Claims for high value loans - higher than 99.5% of other loans that year - are also excluded, as they are not suitable for a mass-market redress scheme. These consumers can still complain to their lender and the Financial Ombudsman. Consumers generally have 6 years to bring a claim, but that may be extended where information about commission or a tie was deliberately concealed. We do not expect lenders to routinely find that cases are out of time to be considered for the scheme, given how poor disclosure was. However, firms can exclude cases only involving high commission and ending before 26 March 2020 if they can show that the fact commission was payable was clearly and prominently disclosed. If firms rule consumers out of the scheme on this basis, they must inform them and explain why. The consumer will have the right to challenge this with the Financial Ombudsman. Consumers whose arrangement is deemed fair under the scheme can ask the Financial Ombudsman to review whether the scheme rules were followed. They could still make a claim in court. Calculating redress Approximately 90,000 consumers whose cases align closely with the Johnson case considered by the Supreme Court will receive redress of all commission plus interest. We define these as cases involving an undisclosed contractual tie and/or DCA and very high commission of at least 50% of the total cost of credit and 22.5% of the loan. For all other cases, consumers will receive the average of estimated loss and the commission paid, plus interest (the hybrid remedy). The estimated loss is based on economic analysis that shows there was a difference in the APR on DCA loans compared to those with flat fee arrangements. Following feedback, we have enhanced our analysis, incorporating more agreement data and covering a longer period of 2017-2021. We estimate average loss to be equivalent to an APR adjustment of 17% for this period and apply it to agreements from 1 April 2014. Firms have advised that the availability of pre-2014 data is limited. Collecting such data risks delaying compensation for consumers and certainty for firms with no guarantee it would materially improve any estimate of loss. Feedback and supporting evidence from respondents indicate that more harmful forms of DCA were more prevalent in earlier years. Differences between average DCA and non-DCA APRs were also larger during this period, indicating greater financial loss. To reflect that, we have set an APR adjustment of 21% for pre 2014 cases. This sits at the mid-point between a 17% and 26% APR adjustment. The latter figure is, on average, equivalent to being repaid commission, which is the remedy reserved for those who suffered the most unfairness. The difference between APR-17% and APR-21% results in an increase to average redress of £31 for pre 2014 cases. We are also using these APR adjustments for the relatively small number of cases that didn’t involve a DCA, but involved high commission or a tie. Consumers should not be compensated more than if they had been treated fairly or than those who suffered the most unfairness. So in around 1 in 3 cases receiving the hybrid remedy, compensation will be capped at the lowest of: 90% of commission plus interest. The total cost of credit, adjusted to account for a minimal cost offered to only 5% of the market at the time, excluding 0% APR deals. The actual total cost of credit, calculated on a simpler basis. This may be the lower figure if the adjusted cost of credit can’t be accurately calculated, for example, if the lender doesn’t have the payment schedule. This means that about 64,000 agreements, where the APR was in the lowest 5% offered in the market at the time, excluding 0% deals, will not get compensation. Simple interest will be paid on compensation, based on the annual average Bank of England base rate per year plus 1% from the date of overpayment to the date compensation is paid. We have introduced a floor so the minimum interest rate consumers will receive for any year is 3%. Consumers will no longer be able to challenge the rate they get. How the scheme will operate There will be a short implementation period so firms can prepare. This will be up to: 30 June 2026 for loans taken out from 1 April 2014. 31 August 2026 for those agreed earlier. People who have already complained or complain before the end of the relevant implementation period will be compensated sooner. Lenders will have 3 months from the end of the implementation period to let complainants know whether they’re owed compensation and how much. Firms will only have to contact people who haven’t complained if they are potentially owed money or those who are timed out of the scheme, avoiding unnecessary and costly communication with customers who are not owed redress. Firms have 6 months from the end of the relevant implementation period to do so. Consumers must respond within 6 months if they wish to join the scheme. Consumers who are not contacted can still complain to their firm by 31 August 2027. Lenders can use a range of communication channels that best meet consumers’ needs, with appropriate safeguards to prevent fraud. Vehicle repair expenses Due to Pothole Damage have reached £1.8 billion. A new report by Kwik Fit on pothole damage indicates that costs have hit an all-time high of £1.8 billion over the year. Since 2013, Kwik Fit has tracked pothole repair costs through its Pothole Impact Tracker (P) report. Their latest findings reveal that in the last twelve months, 12.8 million drivers vehicle damage from potholes, incurring an average repair cost of £137. The previous peak for annual repair expenses was in 2022, totaling £1.7 billion. While the PIT report noted a decrease in damage costs for 2023-24, they rose again to £1.7 billion in 5 and have now reached a new high this year. The most repairs involved tyres (56%), wheels (32%), and suspension components (24%). Dan, Kwik Fit's operations director, stated, “Our annual PIT report shows that the situation is the worst it has been since we started monitoring the cost of damage.” Overall, 62% of drivers believe that roads in their area are in worse condition than a year ago, with 37% stating they are significantly worse. In London, 37% of drivers feel the roads are worse, while 30% think they have improved. In contrast, 80% of East Midlands drivers report deterior road conditions, only 10% feeling they are better than last year. WHY WE NEED TO HELP YOU Customer complaints regarding used car transactions increased last year, as reported by The Motor Ombudsman. In its annual Insight Report published last Tuesday (Feb 17), the organization revealed that consumer complaints related to car sales rose to 18,570 in 2025, marking a14% increase from 16,317 the previous year. Despite this rise, these complaints still represented only 0.2% of all used car sales in the UK—approximately one in 420, to one in 468 in 2024. The report highlighted that nearly half of the complaints (40%) stemmed from dissatisfaction with customer service, either during the purchase process or throughout ownership. Key issues included vehicles sold with undisclosed modifications and histories, as well as consumers facing delays in responses to their inquiries. Other frequent complaints involved delays in parts supply for repairs, damage to vehicles during servicing, and discrepancies in warranty coverage when filing repair claims. From a mechanical perspective, 35% of complaints were related to engine and powertrain faults, while 5% pertained to exterior issues, 4 to fuel and emissions systems, another 4% to electrical systems, and 3% to tyres. In response to these findings, Bill Fennell, chief ombudsman and managing director of The Motor Ombudsman, noted that the substantial volume of used cars sold last year naturally led to an increase in complaints regarding consumer experiences. He stressed the importance of high customer service standards, especially given the significant financial investment involved in purchasing a car. Fennell emphasized that many retailers failed to meet customer expectations, resulting in dissatisfaction. He also the significance of accreditation to the Vehicle Sales Code, which provides a safety net for both businesses and consumers, ensuring that The Motor Ombudsman can mediate complaints fairly and help maintain positive relationships. OUR NEW "ONE STOP SHOP" SERVICE

Adrodd am Ddamwain ATEB DIGIDOL I REOLI DAMWEINIAU Pwy Ydym Ni Arbenigwyr Rheoli Damweiniau Yn FAMH, rydym yn dîm o arbenigwyr Rheoli Damweiniau Fflyd ymroddedig i ddarparu gwasanaethau o'r radd flaenaf ar gyfer eich holl anghenion fflyd. Gyda blynyddoedd o brofiad ac angerdd am geir, rydym yn ymdrechu i ddarparu cefnogaeth eithriadol i gadw'ch cerbydau i redeg yn esmwyth ac yn ddiogel. Gwasanaethau Yr hyn a Gynigiwn Archwiliwch ein hystod o wasanaethau fflyd proffesiynol sydd wedi'u cynllunio i fynd i'r afael â'ch holl ofynion rheoli damweiniau cerbyd. O fân faterion i atgyweiriadau cymhleth, mae gennym yr arbenigedd a'r adnoddau i sicrhau bod eich gyrwyr fflyd yn cael y gofal gorau posibl. Asesiad 1Arolygiad Peiriannydd Rydym yn cynnal archwiliadau manwl i asesu cyflwr eich car ac yn argymell unrhyw waith cynnal a chadw neu atgyweiriadau angenrheidiol. Ymddiried ynom i gadw eich car yn y cyflwr gorau a mynd i'r afael ag unrhyw faterion yn brydlon. Atgyweiriadau 2A Atgyweirwyr Ardystiedig PAS Nod ein gwasanaethau atgyweirio yw adfer perfformiad a diogelwch eich cerbyd, gan ganiatáu i chi yrru'n hyderus. Rydym yn blaenoriaethu crefftwaith o ansawdd a sylw i fanylion ym mhob atgyweiriad a wnawn. Gwarant Atgyweirio a Rhannau 3 Gwarant Mae ein holl atgyweirwyr wedi'u cymeradwyo gan PAS a Gwneuthurwr. Daw'r holl waith a wneir gyda gwarant rhannau a chrefftwaith 3 blynedd

Gall rheoli cerbydau pob gweithiwr, boed yn eiddo i'r sefydliad neu'n eiddo i'r gweithiwr ac yn cael eu defnyddio at ddibenion gwaith, arbed swm rhyfeddol o arian.