1) Who we are

We act as a credit broker in relation to vehicle leasing/consumer hire. We introduce customers to a limited panel of lessors/funders (providers). If you enter into an agreement with a provider we introduce you to, the provider will pay us a commission or provide other benefits. Commission is typically payable to us upon satisfactory delivery of the vehicle.

2) What “commission” means

In this context, commission means a payment (or other benefit) we receive from a provider as a result of:

• introducing you to the provider
• supporting the process of arranging an agreement (for example progressing documentation and order status)
• maintaining a working relationship with the provider

Commission is typically payable to us upon satisfactory delivery of the vehicle (for example, once the vehicle has been delivered and accepted as satisfactory through the provider/dealer process).

2.1 Types of commission/benefits

The form of remuneration can vary. It may include:

• Fixed commission: a set monetary amount for an agreement.
• Variable commission: an amount calculated by reference to values connected to the agreement (for example rentals or similar provider metrics).
• Ongoing commission: paid over time during the agreement term (where a provider uses that model).
• Other benefits: non-cash benefits such as training, marketing support, technology access, or performance incentives.

3) How commission can be calculated

Providers have different commercial arrangements. Commission can therefore differ between providers and can differ between deals with the same provider. The sections below explain common ways commission may be calculated.

3.5 Factors that can affect commission

Commission (or the commission model) may vary depending on factors such as:

• the provider you choose
• the vehicle (and price/discount available at the time)
• contract term, annual mileage, and initial rental structure
• maintenance inclusion/exclusions and other product features (where relevant)
• market conditions, provider pricing policies and funding costs

4) Does commission affect pricing or options?

Commission is part of the commercial arrangements between brokers and providers and can be reflected within the pricing you receive. It is important to understand that:

• providers set their own pricing and underwriting decisions
• the same vehicle and term can price differently between providers due to funding costs, residual assumptions, and commercial strategy
• commission arrangements can differ between providers (and can therefore differ between quotes)

We aim to present options fairly and to help you understand key differences. You should consider the total cost and key terms (not just the monthly figure) before proceeding.

5) Conflicts of interest and our controls

Because we can be paid by providers, there is a potential conflict of interest. We take this seriously and use practical controls to support fair customer outcomes, including:

• Limited panel transparency: we will explain that we work from a limited panel and you can request a provider list.
• Clear disclosures: we disclose that commission exists and that you can request the exact amount.
• Information-first approach: we explain key features, risks and costs so you can make your own decision.
• Record keeping: we keep records of quotes, communications and customer requests for commission disclosure.

We are also a member of the British Vehicle Rental and Leasing Association (BVRLA) and aim to follow good practice standards across our leasing activities.

6) Your rights (including requesting the exact amount)

6.1 Right to request commission information

You have the right to request details of commission relating to your agreement, including the exact amount we expect to receive. If you request it, we will provide it to you before you commit to the agreement.

6.2 What we will provide (when you ask)

When you request commission disclosure for a specific quote/order, we will provide information in a clear way, which may include:

• the provider name
• the agreement type (for example PCH/BCH, where relevant)
• the commission amount (and whether it is a one-off amount and/or ongoing)
• a high-level explanation of how that commission was calculated (provider basis)

6.3 Timing (why it matters)

We encourage you to request commission information as early as possible in the process (for example, when you have narrowed down your preferred quote). This helps avoid delays later in the order journey.

7) How to request commission information

To request the commission amount for your quote/order, please contact us using one of the methods below and tell us the quote reference (or vehicle and terms) you are asking about.

We will respond as soon as reasonably possible. In some cases we may need to confirm the commission amount with the provider, which can take time depending on the provider’s processes.

8) Frequently asked questions

9) Complaints

If you are unhappy with how commission has been disclosed or explained, please contact us so we can investigate and respond.

• Telephone: 01989 313452
• Email: stuart@avail.co.uk
• Post: Clouds Harrow, Brampton Abbotts, Ross-on-Wye, HR9 7JE

10) Glossary

Commission

Money or other benefits paid by a provider to us for introducing business and supporting the agreement journey.

Credit broker

A firm that introduces customers to providers and helps arrange finance/hire products, but does not provide the funds.

Provider (lessor/funder)

The company that provides the vehicle hire/lease agreement and owns the vehicle during the term.

Limited panel

A defined set of providers we work with. We do not claim to search the entire market.