Just think how much enjoyment owning a new motorcycle can provide. It's a chance to escape to new places near and far.

Colin Appleyard Ltd is pleased to offer competitive funding options to help you buy your new or used motorcycle and make your dreams come true.

Here's a brief summary of the main features to let you see how flexible Black Horse Finance is to help suit your budget.

• Finance for new and used bikes
• Spread your repayments over 1 to 5 years
• Choose the amount of deposit you wish to put down
• Fixed interest rates and fixed repayments throughout the loan agreement

Just consider some of the benefits of funding your new purchase with us. Your finance is provided by Black Horse Motorcycle Finance, part of the Lloyds TSB Group, are market leaders in motorcycle finance.

Ride away today With Black Horse
As we deal direct with the Black Horse, you don’t have to wait for the cheque to clear. This means that you can take delivery of your motorcycle straight away. It’s simple, safe and convenient.

Fixed rates
Your regular repayment does not change during the course of your agreement.

Easy to arrange
There are no forms to fill in - now that's good for a start! And, you won't have to wait in that annoying queue to speak to someone you don't know in a call centre asking you loads of questions. Or indeed, spending time online ticking lots of boxes.

Quick
We can give you a finance quote and arrange your finance in a matter of minutes whilst you're still in the showroom.

No hidden charges
Black Horse documents clearly state what you have to pay for.

Wide choice of insurance products
Black Horse can also provide you with GAP insurance in case your motorcycle is stolen or written off and payment protection cover in case your circumstances change and you are unable to make your repayments.

So, why not ask about our finance deals before buying your next motorcycle - you may be pleased you did!

Finance is only available to persons aged 16 years and over, subject to status. Indemnities may be required.

Our 'Retail Price Protection' GAP will return you to the original position you were in when you first purchased the motorcycle for up to a maximum period of 36 months, if your motorcycle is written off and a total loss payment is made by your insurance company. Retail Price Protection GAP will pay you the difference between the amount paid out by the insurance company (or the market value of your motorcycle, whichever is the greater) and the amount of your original invoice price (or the early settlement amount if your motorcycle is subject to a finance agreement and the early settlement amount is greater than the invoice price). The maximum benefit levels are shown in the table below.

If the motorcycle is subject to a finance agreement, any payment under Retail Price Protection GAP will be paid direct to the finance company on your behalf, and if there are any excess funds, these will be sent to you direct, subject to the maximum benefit levels shown in the table below.

Policy exclusions and limitations may apply, a summary of which appears below. Details of all exclusions and limitations are noted in the policy, a copy of which is available on request.

Simple to arrange

Our Retail Price Protection GAP product is underwritten by AXA Insurance UK plc. It is quick and simple to arrange and provides peace of mind.

Who can apply?

GAP cover is available:

• To private individuals aged 16 or over who live in the UK, the Channel Islands or the Isle of Man
• To a partnership, limited company or other legal entity, situated, and if a limited company, registered, in the UK, the Channel Islands or the Isle of Man
• Provided comprehensive or third party, fire and theft insurance is in place for the motorcycle

Finance agreements covered

Retail Price Protection GAP cover is available for motorcycles, whether subject to a finance agreement or not (with the exception of Contract Hire or Leasing agreements).

Excess cover option

You can select our additional excess cover option which will pay a contribution towards your motorcycle insurance excess up to a maximum of either £250 or £500 in the event of a total loss claim.

Exclusions

These are examples of the main exclusions. Details of all exclusions are noted in the policy, a copy of which is available on request.

No payments can be made:

• If the vehicle is a quad bike, or used for commercial purposes including emergency vehicles, courier or delivery vehicles. On vehicles used for road racing, rallying, off-road racing, pace-making, speed testing or any other competitive event. On vehicles not being driven by the insured person. On vehicles that have been modified other than accordance with the manufacturer's specifications.
• If total loss is caused by the driver being unlicensed, intoxicated or under the influence of drugs or alcohol.
• If the motorcycle insurer does not make a payment.
• On any arrears relating to the credit agreement or on any item financed under the credit agreement which does not specifically relate to the invoice price of the motorcycle.
• On any excess under your motorcycle insurance policy or unpaid premiums thereof.
• On any dealer fitted options, or any other extras and any amount not relating to the purchase of the motorcycle itself, with the exception of any manufacturer approved bolt-on accessories and theft alarms.

How to make a claim

You should contact the administrator on 0870 752 7086, or write to:

Black Horse Motorcycle Finance GAP Insurance
Car Care Plan Limited
Jubilee House
5 Mid Point Business Park
Thornbury
BD3 7AG

Financing your motorcycle is a sensible way to spread the cost, and our Payment Protection Plans let you protect your payments. If you had an accident, fell ill or lost your job, your monthly repayments would be the last thing you'd want to worry about. That's why Black Horse have developed a range of Payment Protection Plans to protect both private and business customers. There are three levels of payment protection to choose from - Gold, Silver and Bronze cover.

*As an alternative for self-employed customers only who are ineligible for Unemployment cover.

Life cover
If, during the terms of your Payment Protection Plan you die your personal representative could claim against this cover. This cover provides a benefit equal to the amount you still owe under your Credit Agreement, including any final repayment amount where applicable (less any arrears).

Accident or Sickness cover
If, during the term of your Payment Protection Plan you are employed or self-employed and of work due to accident or sickness for 30 consecutive days or more, you could claim against this cover. This cover provides a monthly repayment under your Credit Agreement. Accident or Sickness cover is subject to a maximum of 24 monthly benefit payments during the term of your Credit Agreement.

Unemployment cover
If, during the term of your Payment Protection Plan you are unemployed for 30 consecutive days or more you could claim against this cover. This cover provides a benefit equal to the monthly repayment under your Credit Agreement,. Unemployment cover is subject to a maximum of 12 monthly benefit payments during the term of your Credit Agreement.

Critical Illness cover
If, during the term of your Payment Protection Plan you are diagnosed by a doctor as suffering from, or you need an operation for, a specified critical illness you could claim against this cover. This cover provides a benefit equal to the amount you still owe under your Credit Agreement including any final repayment amount where applicable (less any arrears).

Choosing your cover

There are three different levels of cover available

Gold
Offers comprehensive Payment Protection. You benefit from Life, Accident or Sickness and Unemployment cover (if you are employed), and Life, Accident or Sickness and Critical Illness cover (if you are self-employed).

Silver
Gives the benefit of Life, Accident or Sickness cover.

Bronze
Covers you for Life and Critical Illness.

Joint cover is available if two individuals enter into the agreement. Both may apply for cover, but both parties must have the same level of cover. Refer to the policy wording for details.

Would my cover apply if?

All claims are subject to the terms and conditions of the relevant policy.

*Applies to self-employed customers only.