Car Purchase Terms and Conditions

We’re removing the faff from changing and managing vehicles, and we also want to make our legal documents a cinch for anyone to understand. If you have any doubts or suggestions regarding any of them, please contact us and we’ll do our best to help.

  • 1

    These terms

    • 1.1

      These are the terms and conditions (Terms) that apply when you buy a car from cinch (Car) using our website www.cinch.co.uk (Site). These Terms do not apply if you buy a car from one of our approved dealers using the approved dealer advertising section of the Site. You can access our Terms of Use here which apply when you browse the Site (or any other cinch webpages or applications, including the approved dealer advertising section of the Site). These Terms may change from time to time so make sure you check these Terms each time you buy a Car from cinch.

    • 1.2

      Please make sure you read these Terms carefully before you place an order. We suggest that you also keep a copy of these Terms for the future. These Terms will explain how we will sell cars, how you may cancel the Agreement with us, additional products which you may choose to purchase and what to do if you have an issue with your Car.

  • 2

    Who are we?

    • 2.1

      The Site is operated by Cinch Cars Limited a company registered in England and Wales (company number 11520330). Our registered office is at Headway House, Crosby Way, Farnham, Surrey, GU9 7XG. Our registered VAT number is 312240070.

    • 2.2

      If you would like to get in touch, you can find our contact details here.

  • 3

    Who is selling you the car?

    Cinch will be the supplier of the Car and will sell the Car to you.

  • 4

    The agreement between you and us

    • 4.1

      When you confirm that you wish to buy a car on cinch, you are placing an order with us to buy that Car (Order). The Order will confirm the order details including your personal details, the make and model of the car, the delivery date, delivery location and the Purchase Price (as defined in section 6 below).

    • 4.2

      We may accept the Order by emailing you to confirm the Order. When we send this email confirmation, a legally binding agreement will be made between you and us (Agreement). The Agreement will consist of the Order and these Terms. If you choose to pay for the Order using a Finance Agreement (as defined in section 11 below) with a Lender (as defined in section 11 below) then you will be required to enter into an agreement with the Lender and we will sell the Car to the Lender. Please refer to section 11 for more details.

    • 4.3

      If there is any inconsistency between the Order and these Terms, then the Order will take priority.

    • 4.4

      Occasionally, we may become aware after accepting your Order that we are unable to proceed with the Agreement, in which case we will notify you by email. Some examples of reasons why we may do this include:

      • 4.4.1

        the Car you have chosen has already been sold;

      • 4.4.2

        there is an error in the price or description of the Car; and

      • 4.4.3

        where you are part exchanging your current car (Part Exchange Car) with us and you have provided incorrect details in relation to the Part Exchange Car or any of the circumstances set out in section 10.4 below apply to the Part Exchange Car.

      You should be aware that there may be reasons other than those reasons mentioned in section 4.4 above why we do not accept your Order.

    • 4.5

      If we are not able to proceed with your Order, you will not be charged the Purchase Price for the Car (or the deposit if you have chosen to pay for the Car using finance from a Lender). We will contact you to try and correct the reason why we have not accepted your Order.

    • 4.6

      You may cancel the Order without giving a reason before the Car is delivered before 12pm on the day before your agreed delivery date, by calling our customer experience team whose number can be found here.

    • 4.7

      You may not buy a car from us if you are doing so in the course of business. You must also be resident in the United Kingdom to purchase a Car from us. Delivery restrictions may apply, see section 5.3 below for further information.

  • 5

    Delivery

    • 5.1

      We will deliver the Car to you at the delivery location on the delivery date set out in the Order (Delivery). You may change the time and date of Delivery by calling our customer experience team whose number can be found here at any time before 12pm on the day before your agreed delivery date. We will rearrange the date and time of your Delivery at no extra cost to you once. If you need to rearrange the date and time of your Delivery more than once or you ask to change the date and time of your Delivery after 12pm on the day before your agreed delivery date, we may charge you a fee of £150.

    • 5.2

      We will only deliver the Car to you at the delivery location stated in the Order which must be your residential address. You must show us a valid photocard UK driving licence at Delivery. If the address on your driving licence is different to your residential address, you must also provide us with either a utility bill or bank statement addressed to your residential address and which is dated in the three months prior to Delivery. If you do not have your driving licence, you must show us your passport and a utility bill or bank statement addressed to your residential address and which is dated in the three months prior to Delivery. The person stated on the Order must be present at Delivery as we will not deliver the Car to any other person.

    • 5.3

      Cinch is solely for the sale of cars in the United Kingdom. Please check our “Where we deliver“ page here to ensure we deliver to your location.

    • 5.4

      We will need a safe place to park the Car (for example, a driveway or safe on-road parking) whilst we complete our delivery checks with you. If you are selling a Part Exchange Car to us, then you should also make sure that is parked safely and is accessible by us. You are responsible for giving us details of a safe location and will be responsible for any costs, penalties or fines we incur as a result of parking in the safe location provided by you.

    • 5.5

      If you are selling a Part Exchange Car to us, we will inspect the Part Exchange Car on Delivery. We reserve the right not to accept the Part Exchange Car for any reason, including if the Part Exchange Car is damaged or is not roadworthy (because, for example, it won’t start). If we do not accept the Part Exchange Car, then the Order will be cancelled and we will not deliver the Car to you. Any payments you have made for or towards the Car will be reimbursed to you within 14 days. We will repay you using the same means of payment as you used to pay us and we will not charge you any fees in relation to the repayment.

    • 5.6

      You will own the Car once (i) you have accepted Delivery of the Car by signing the delivery note; (ii) if you are part exchanging your car in part payment of the Purchase Price, we have accepted and received the Part Exchange Car; and (iii) we have received full payment of the Purchase Price and any other money you owe to us.

    • 5.7

      If you are purchasing the Car using a Finance Agreement then the third party finance provider will own the Car once the conditions in section 5.6 have been met.

    • 5.8

      You are responsible for the Car from Delivery.

    • 5.9

      You are responsible for the payment of vehicle tax. The V5C reference number will be provided to you prior to Delivery so that you can arrange vehicle tax for the Car with the DVLA to start on Delivery. We will notify the DVLA of the change in ownership.

    • 5.10

      We are not responsible for delays outside our control. If our supply of the Car is delayed by a circumstance or an event outside our control, then we will contact you as soon as possible to let you know and we will do what we can to reduce the delay. If we do this, we will not be responsible for delays caused by the event. If there is a delay you may contact us to end the Agreement and receive a refund of the deposit or the Purchase Price you have paid at that time for the Car.

  • 6

    Payment

    • 6.1

      The purchase price for the Car is the price stated when you placed your Order on cinch (Purchase Price). The price stated includes VAT.

    • 6.2

      The Purchase Price will be payable when you place your Order. If you have chosen to pay for the Car using a Finance Agreement with a Lender (as defined in section 11 below), you must pay the deposit set out on your Order when you place your Order. We do not accept the value of your Part Exchange Car (if applicable) as payment of, or towards, your deposit.

    • 6.3

      You may make payments by Visa or Mastercard debit or credit cards or by arranging finance from a Lender in relation to the purchase of your Car. We do not accept any other form of payment.

    • 6.4

      We use a third-party payment provider to process payments on the Site. The processing of these payments will be governed by the third-party provider’s terms and conditions. You can find and read their terms here.

  • 7

    Your Car

    • 7.1

      The Car may have been used previously for lease or rental and may have had multiple users. It may also have been imported from the Republic of Ireland.

    • 7.2

      Each Car undergoes a thorough inspection (225 Point Vehicle Check) prior to being advertised for sale. Please check the Q&A section on our Support page for more information in relation to the 225 Point Vehicle Check. As part of the 225 Point Vehicle Check we check each Car for a manufacturer recall notice. We do not give or make any representation, warranty or undertaking that the Car will not be subject to a manufacturer recall notice at the point of sale or at any time in the future.

    • 7.3

      The images of Cars on cinch are high resolution images and will include images of any damage on the Car. We make every effort to display the Car accurately but we cannot guarantee that the pictures of the Car on cinch show every part of the Car or colour of the Car. We will not be responsible if the images of the Car do not display correctly on the device on which you view them. If you are not satisfied with the actual appearance of your Car you may cancel the purchase using our 14 day money back guarantee (see section 12 for more information).

    • 7.4

      The mileage of a Car stated on cinch may vary slightly to the actual mileage of the Car because of delivering the Car to you. The increase in mileage will be no more than 200 miles.

    • 7.5

      Please contact us before placing the Order to ask any questions you have about the Car. You can find our contact details here.

  • 8

    Warranty

    • 8.1

      Cinch has partnered with a third party warranty provider (Warranty Provider) to offer warranty and maintenance plans on cinch.

    • 8.2

      When you buy a Car on cinch, you will automatically be opted in for a 90-day warranty with breakdown assistance for the Car at no additional cost to you. The 90-day warranty with breakdown assistance will commence on Delivery. If you do not wish to receive the 90-day warranty with breakdown assistance, you may cancel this benefit by notifying our customer experience team (whose number can be found here) before you place your Order.

    • 8.3

      The 90-day warranty and any other service provided by the Warranty Provider is subject to a contract between you and the Warranty Provider on the terms provided to you in the confirmation email you will receive from the Warranty Provider. We are not responsible for providing the 90-day warranty to you if the Warranty Provider fails to do so.

    • 8.4

      We do not provide a manufacturer’s warranty in relation to the Car but if a manufacturer’s warranty or guarantee exists and is continuing from the previous ownership of the Car and you are entitled to the benefit of this manufacturer’s warranty or guarantee we will pass this to you.

  • 9

    Insurance

    • 9.1

      We are an appointed representative (Reference number: 930922) of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority for credit broking and insurance distribution and whose registration number is 313486.

    • 9.2

      We will provide you with details of temporary insurance cover which is available for a period of 3 days from Delivery at no additional cost to you provided that you meet the eligibility criteria for this insurance cover. You will need to apply for this insurance cover as set out in section 9.3 below.

    • 9.3

      Once you have placed your Order, you will be provided with a link to our insurance broker’s website, Tempcover Limited (Tempcover), on the Order confirmation page and in the Order confirmation email you will receive from us. You can then apply for the 3 day insurance cover.

    • 9.4

      If you accept this benefit, you will enter into a direct contract with Tempcover for this insurance. For more information in relation to Tempcover, please visit https://www.tempcover.com/.

    • 9.5

      If you do not wish to receive this benefit, you may choose not to do so. You will be required to provide your own insurance for the Car from the date of Delivery in order to drive the Car lawfully.

    • 9.6

      Save as set out in this section 9, we accept no responsibility to procure the provision of any driving insurance services to you.

  • 10

    Part exchange

    • 10.1

      Where you choose to use a Part Exchange Car in partial payment of the Purchase Price, you must provide details of the Part Exchange Car on cinch as part of your Order. We may ask you for additional information about the Part Exchange Car at any time prior to Delivery.

    • 10.2

      We will give you a valuation for the Part Exchange Car when you place your Order. You must provide true, accurate and up-to-date information to us about the Part Exchange Car. The Part Exchange Car will be inspected on Delivery to ensure the information provided when you placed your Order was true and accurate. We will also need to ensure that the Part Exchange Car is roadworthy and has not sustained any damage you have not disclosed to us.

    • 10.3

      Where the Part Exchange Car is subject to a finance agreement, you must ensure that you have settled any outstanding finance on the Part Exchange Car and the finance company’s interest in the Part Exchange Car is removed prior to Delivery. We take no responsibility for settling any outstanding finance on your behalf.

    • 10.4

      We may reject a Part Exchange Car at any time, either before or at Delivery, if:

      • 10.4.1

        you are not legally capable of entering into a binding contract to sell the Part Exchange Car;

      • 10.4.2

        you are not the sole owner of the Part Exchange Car (including, if relevant, the electric car battery);

      • 10.4.3

        another person has any claim to the Part Exchange Car or there is outstanding finance on the Part Exchange Car;

      • 10.4.4

        any information given to us about the Part Exchange Car is not true and accurate;

      • 10.4.5

        the Part Exchange Car has sustained damage that is not disclosed to us when you placed the Order;

      • 10.4.6

        there is a material discrepancy in the information and documents supplied by you in respect of the Part Exchange Car or a material document is missing, inaccurate or incomplete (for example, the V5C registration document is missing or incomplete);

      • 10.4.7

        the Part Exchange Car has any fault which may affect the value of the Part Exchange Car or is not roadworthy;

      • 10.4.8

        the Part Exchange Car is not registered in the UK or was not first registered in the UK;

      • 10.4.9

        there is a finance marker on the Part Exchange Car or any other issue is identified by a HPI check;

      • 10.4.10

        the Part Exchange Car does not have a valid MOT;

      • 10.4.11

        the Part Exchange Car has been in a major accident or has been subject to a total loss claim;

      • 10.4.12

        the Part Exchange Car does not bear its legal registration and chassis number;

      • 10.4.13

        the Part Exchange Car is an import (that is, it is not a right-hand drive car with UK registration plates or was not first registered in the UK);

      • 10.4.14

        the Part Exchange Car has been modified for appearance or performance purposes;

      • 10.4.15

        the mileage of the Part Exchange Car is not more than 3,000 miles above the mileage stated in the Order; or

      • 10.4.16

        the Part Exchange Car has been used for commercial purposes, private hire, rental, driving tuition, as an emergency services vehicle or by a local authority.

    • 10.5

      If we accept and collect the Part Exchange Car at Delivery, you must give us:

      • 10.5.1

        all copies of the Part Exchange Car's keys;

      • 10.5.2

        the Part Exchange Car's most recent V5C registration document (together with appropriate proof of purchase if requested by us);

      • 10.5.3

        the Part Exchange Car's service history (if any);

      • 10.5.4

        the Part Exchange Car's MOT certificate (if any);

      • 10.5.5

        the Part Exchange Car 's user manuals (if any); and

      • 10.5.6

        any accessories there may be such as a locking wheel nut, radio fascia, remote controls, SD card and/or charging cables (if you have a plug-in car).

    • 10.6

      You must remove any personal possessions from the Part Exchange Car before we collect it. We will not be responsible for any personal items lost once the Part Exchange Car is in our possession.

    • 10.7

      You are responsible for removal, deletion or redaction of your personal information contained in the Part Exchange Car prior to handover of the Part Exchange Car, including as follows:

      • 10.7.1

        if the Part Exchange Car has a satnav, phone interface or any other device capable of storing data, you will ensure that you have removed all personal data from these devices prior to handing the Part Exchange Car over to us. This includes contacts (names and numbers), previous or favourite destinations in your trip history and default “home” address; and

      • 10.7.2

        you will ensure that your name and address are removed or redacted from any service or maintenance records that you hand over with the Part Exchange Car.

    • 10.8

      The V5C registration document (which includes your name and address and is an official DVLA document) will remain with the Part Exchange Car until it is sold and re-registered by a new registered keeper or scrapped. Please note that before being re-registered by a new keeper, the Part Exchange Car may be sold to one or more motor traders who will not be obliged to register as the new keeper of the Part Exchange Car and remove your name and address from the V5C registration document. We do not accept any liability in respect of your personal information contained on the V5C registration document.

    • 10.9

      In the event that you fail to comply with these hand-over requirements, you agree that we have the right to withdraw any offer to buy the Part Exchange Car with immediate effect and/or to indicate a revised valuation at which we will be prepared to purchase the Part Exchange Car and/or cancel the Order in accordance with section 5.5 of these Terms. If we take the Part Exchange Car at Delivery and discover later that the Part Exchange Car did not meet the requirements set out in this section 10 then we may take action against you to recover the reduction in value of the Part Exchange Car as a result of the Part Exchange Car not meeting the requirements in this section 10 (Recovery Claim). You may also have to pay to us on demand all reasonable costs and expenses incurred by us in pursuing a Recovery Claim.

  • 11

    Finance

    • 11.1

      We are a credit broker acting as an appointed representative and not a lender. Details of our appointed representative status are set out at section 9.1 above.

    • 11.2

      You may apply for finance from one of our third-party finance providers (Lender) to finance the purchase of the Car by choosing the finance option on the Order page. We will introduce you to the Lender. Your application for finance is subject to status and approval by the Lender. To obtain finance you must sign a hire purchase agreement or a personal contract purchase agreement (Finance Agreement) with the Lender prior to Delivery. Any delay in signing the Finance Agreement may delay Delivery. If you apply for finance and are declined by the Lender, then you must pay for the Car by an alternative method. If you are unable to do so then we will withdraw our acceptance of your Order.

    • 11.3

      You may not apply for finance from a Lender if it is intended that the Car will mainly be used by someone other than you.

    • 11.4

      If you enter into a Finance Agreement to finance the purchase of the Car:

      • 11.4.1

        we will sell the Car to the Lender who will let you use the Car in accordance with the terms of the Finance Agreement;

      • 11.4.2

        the Lender will own the Car until it transfers ownership to you in accordance with the Finance Agreement;

      • 11.4.3

        you will have a right to cancel under section 12 of these Terms provided that the Car meets the Return Conditions set out in section 12.12; and

      • 11.4.4

        11.4.4 you may have a right of withdrawal under your Finance Agreement which is described in section 13.

    • 11.5

      Finance rates or terms published are provided by Lenders. We are not responsible for any changes to these rates or terms. APRs stated are representative APRs and the actual APR offered to you may differ.

  • 12

    Our 14-day money back guarantee

    • 12.1

      You may return the Car to us within 14 days from the day after the date of Delivery without giving us any reason using our 14-day money back guarantee (the Guarantee). If you paid for the Car using a Finance Agreement, you may use the Guarantee provided that the Car meets the Return Conditions set out in section 12.12 below.

    • 12.2

      If you wish to return the Car in accordance with the Guarantee, you may notify us by calling our customer experience team whose number can be found here. The customer experience team will arrange a date on which we will collect the Car from you.

    • 12.3

      You may also use the cancellation form set out below to return the Car. If you use the cancellation form we will acknowledge receipt of your form by email without delay and we will call you within 3 days to arrange collection of the Car. To meet the Guarantee deadline you should notify us that you are exercising the right to cancel by 8pm on the day the Guarantee period expires (or if this day is a bank holiday, New Year’s Day, Easter Sunday, Christmas Day or Boxing Day, 8pm on the next day that is not included on this list).

    • 12.4

      If you choose to return the Car under the Guarantee:

      • 12.4.1

        if you paid for the Car in full by a Visa or Mastercard debit or credit card, we will repay to you the Purchase Price of the Car; or

      • 12.4.2

        if you paid for the Car using a Finance Agreement,

        • a)

          we will repay to you the deposit which you paid to us; and

        • b)

          we will repay the remainder of the Purchase Price to the finance provider with whom you entered into a Finance Agreement; and/or

      • 12.4.3

        if you have sold a Part Exchange Car to us in part payment of the Car, we will not be able to return the Part Exchange Car to you. We will include an amount equal to the valuation of the Part Exchange Car in the amount to be repaid to you (subject to the Part Exchange Car meeting the requirements set out in section 10);

      • 12.4.4

        we will deduct from the money paid to you:

        • a)

          any amounts which we are permitted to charge you under section 12.5 because of the condition in which you returned the Car to us; and

        • b)

          £500, which we will hold pending you returning the most recent V5C registration document to us in accordance with section 12.6. We need the V5C to be returned because the value of the Car will reduce without it; and

      • 12.4.5

        we will repay any money owed to you under this section 12.4 within 14 days of you informing us that you wish to return the Car. We will repay you using the same means of payment as you used to pay us and we will not charge you any fees in relation to the repayment.

    • 12.5

      You are entitled to use the Car to determine the nature, characteristics and functioning of the Car. We consider this use to be similar to a couple of test drives which you would receive if you were buying a Car from a dealer face to face. You must not use the Car after notifying us that you are cancelling the Agreement and you must keep the Car in good condition from the date of Delivery. We are entitled to charge you if the value of the Car has reduced as a result of excessive use by you or any damage you caused to the Car. We may charge you:

      • 12.5.1

        if the Car has been driven for more than 250 miles since Delivery, a fee equal to £1.00 for each mile driven in excess of 250 miles (Excess Mileage Payment); and/or

      • 12.5.2

        if the value of the Car has been reduced because it is not in the condition it was in at Delivery, our reasonable costs to repair the Car so that it is in the condition it was in at Delivery (Damage Payment).

      For the purposes of this section 12.5, we will record the mileage on the Car at Delivery and this mileage will be conclusive in determining whether you have driven the Car more than 250 miles since Delivery.

    • 12.6

      You must send the most recent V5C registration document showing you as the registered keeper to BCA DocuSafe by recorded delivery within 14 days of you informing us that you wish to return the Car. You will bear the cost of the recorded delivery. Please see our “14-day money back guarantee“ page here for more information. The V5C registration document (which includes your name and address and is an official DVLA document) will remain linked with the Car until it is sold and re-registered by a new registered keeper or scrapped. Please note that before being re-registered by a new keeper, the Car may be sold to one or more motor traders who will not be obliged to register as the new keeper of the Car and remove your name and address from the V5C registration document. We do not accept any liability in respect of your personal information contained on the V5C registration document.

    • 12.7

      Subject to the V5C being received within 14 days of you informing us that you wish to return the Car, we will repay you the £500 we retained as described in section 12.4.4(b) within 14 days of us receiving the V5C. If you fail to return the V5C registration document, we may charge you a fee of £500 as the value of the Car will reduce without the V5C registration document (V5C Fee) and we will retain the £500 referred to in section 12.4.4(b) as payment by you to us for the V5C Fee.

    • 12.8

      If the total of the Excess Mileage Payment, the Damage Payment and/or the V5C Fee is more than the amount payable to you in section 12.4 then we will tell you how much you owe us (Outstanding Amount) and you must pay the Outstanding Amount to us within 30 days of us notifying you of the Outstanding Amount.

    • 12.9

      If you paid for the Car in full by a Visa or Mastercard debit or credit card, you confirm to us that, on collection, the Car:

      • 12.9.1

        is free from all charges or claims from any third party including a finance provider;

      • 12.9.2

        is owned by you;

      • 12.9.3

        is in the same condition as on Delivery except for any reasonable wear and tear; and

      • 12.9.4

        has not been involved in an accident since Delivery.

    • 12.10

      If you use the Guarantee we will collect the Car from you on the date agreed with you. You must also give to us:

      • 12.10.1

        all copies of the Car's keys;

      • 12.10.2

        the Car's service history (if any);

      • 12.10.3

        the Car's MOT certificate (if any);

      • 12.10.4

        the Car's user manuals (if any);

      • 12.10.5

        any accessories there may be such as a locking wheel nut, radio fascia, remote controls, SD card and/or charging cables (if you have a plug-in car).

      • 12.10.6

        and any other documents or items which we gave to you at Delivery in relation to the Car.

      You are responsible for the removal of your personal belongings or the deletion of personal data from the Car prior to collection in the same manner as for a Part Exchange Car (see section 10.6 and section 10.7).

    • 12.11

      If you need to rearrange the date and time of collection, you must contact the customer experience team before 12pm on the day before your agreed collection day. If you rearrange your collection day more than once or you ask to change the date and time of your collection after 12pm on the day before your agreed delivery date, we may charge you a fee of £150. You must allow us to collect the Car as soon as possible and at the latest within 14 days of you giving notice to cancel.

    • 12.12

      You remain responsible for the Car until we have collected it from you. You must ensure that the Car is insured with a fully comprehensive insurance policy until collection. If you have arranged temporary insurance cover in accordance with section 9 and we do not collect the Car within the temporary insurance period you must arrange alternative insurance cover until we collect the Car from you. If we fail to collect the Car on the agreed date, then we will reimburse you for the additional days’ insurance costs you have had to incur until we collect the Car. We will require proof of the additional insurance costs before we can reimburse you.

    • 12.13

      If you have paid for the Car using a Finance Agreement, you may return the Car to us using the Guarantee provided that the Car meets the following conditions:

      • 12.13.1

        the Car is not driven for more than 250 miles since Delivery;

      • 12.13.2

        no alterations or modifications whatsoever have been made to the Car;

      • 12.13.3

        the Car is in the same condition as it was at Delivery (except fair wear and tear); and

      • 12.13.4

        the Car is free from all charges or claims from any third party including a finance provider (except any finance arranged with a Lender under section 11).

      We refer to these conditions as the Return Conditions.

    • 12.14

      If you have paid for the Car using a Finance Agreement and the Car does not meet the Return Conditions then we may, in our absolute discretion, allow you to use the Guarantee. If you meet the Return Conditions or we allow you to use the Guarantee, then this Section 12 will apply. You must also tell the finance provider that you wish to withdraw from your Finance Agreement. We will not notify the finance provider for you.

    • 12.15

      If you return the Car using the Guarantee:

      • 12.15.1

        we will notify the Warranty Provider and any 90 day warranty or any other service contract arranged through cinch will be automatically terminated; and

      • 12.15.2

        if applicable, you will need to cancel your 3 day insurance cover with Tempcover.

  • 13

    Your right of withdrawal (if you have paid for the Car using a Finance Agreement)

    • 13.1

      Where you have paid for the Car by entering into a Finance Agreement with the Lender, you may have a right to withdraw from the Finance Agreement without giving any reason. You should refer to the terms of your Finance Agreement for more information on your right to withdraw from the Finance Agreement.

    • 13.2

      If you exercise your right of withdrawal, you will withdraw from the Finance Agreement only. You will be required to pay the amount of credit plus interest to the Lender in accordance with the terms of the Finance Agreement. When you have repaid the Lender the amount of credit plus interest you will own the Car. You should contact the Lender for more information on the right of withdrawal.

  • 14

    If you have a concern with the Car or the cinch service

    • 14.1

      If you have any questions or complaints about the Car or the service provided by Cinch, please contact us. You can telephone our customer service team on 0333 0154 101 or write to us at complaints@cinch.co.uk. You can read a copy of our complaints handling process here.

    • 14.2

      You may be able to make a complaint to the EU Online Dispute Resolution platform www.ec.europa.eu/consumers/odr.

  • 15

    Summary of your legal rights.

    We are under a legal duty to supply cars that are in conformity with this Agreement. Nothing in this Agreement will affect your legal rights. If you would like more information on your rights you should contact your local Citizens Advice Bureau.

  • 16

    Data Protection

    A summary of how we will use your personal information is set out in our privacy policy which can be found here.

  • 17

    Liability

    • 17.1

      Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

    • 17.2

      To the extent we are able to restrict our responsibility by law, we will not be responsible to you for any indirect or consequential losses or loss of income or revenue, loss of business, loss of profit, or loss of anticipated savings (whether direct or indirect).

    • 17.3

      To the extent we are able to exclude our responsibility by law, we exclude all implied representations, warranties, terms and conditions from the Agreement.

    • 17.4

      Subject to the above, our maximum total liability to you under or in connection with the Order and the Agreement with you shall not exceed the Purchase Price of the Car.

  • 18

    Circumstances outside of our control

    • 18.1

      We will not be responsible for any failure by us to perform the Agreement or any delay in performing the Agreement which is caused by a circumstance or event outside of our control (Circumstance Outside of Our Control). Circumstances or events which may be included in this section are riots, acts of terrorism or war, civil disruption, strikes, fire, flood, other natural disasters, pandemics and accidents relating to the Car. Other circumstances or events may also be included if they are outside of our control.

    • 18.2

      If a Circumstance Outside of Our Control occurs we will notify you as soon as possible. Our responsibilities to you under the Agreement will be temporarily delayed and the agreed date by which we must perform our responsibilities will be extended until the Circumstance Outside of Our Control has ended unless there is a substantial delay affecting Delivery, in which case, section 5.10 will apply.

  • 19

    Miscellaneous

    • 19.1

      If a court finds part of the Agreement is illegal, invalid or otherwise unenforceable, the remaining parts of the Agreement will continue in full force and effect.

    • 19.2

      You may not transfer any of your rights or obligations under the Agreement to any other person. We may transfer our rights or obligations under the Agreement to another person provided that this will not affect your rights under the Agreement.

    • 19.3

      The Agreement does not give rise to rights that are enforceable by any person who is not party to the Agreement.

    • 19.4

      If we do not exercise or enforce a right under these Terms against you at any time, this does not prevent us from doing so at a later date.

    • 19.5

      The Agreement sets out the entire agreement between you and Us relating to the purchase of the Car. The Agreement will replace any prior discussions or agreement between you and us relating to the purchase of the Car.

    • 19.6

      These Terms and the Agreement are governed by English law and you and we both agree that we will issue any legal proceedings in connection with any dispute or claim arising in relation to these Terms and the Agreement in the courts of England and Wales.

    • 19.7

      If you live in Scotland or Northern Ireland at Delivery, we or you may issue any legal proceedings in connection with any dispute or claim arising in relation to these Terms and the Agreement in the courts of Scotland or Northern Ireland respectively.

Last updated: 5 October 2020

Cancellation form

To: Cinch Cars Limited of Headway House, Crosby Way, Farnham, Surrey, GU9 7XG, email address: hello@cinch.co.uk:

I hereby give notice that I cancel my contract of sale of the following goods

Car manufacturer:

Car model:

Registration number:

Received on:


Name of consumer(s):

Address of consumer(s):

Contact number of consumer:

Date: