Initial Disclosure

Initial Disclosure

The Financial Conduct Authority (FCA) is the independent regulator of financial services. As a regulated business, we are required by the FCA to provide you with an Initial Disclosure Document to help you decide if our services are right for you. This document provides information about Smart Vehicle Options, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint, and details about the Financial Services Compensation Scheme.

About Smart Vehicle Options

Smart Vehicle Options are authorised and regulated by the Financial Conduct Authority and are a credit broker, not a lender. We provide motor vehicle finance brokerage services to customers via third party finance providers on business and personal contract hire agreements. Our registered address is Bentley House, 64-70 Manningham Lane, Bradford, West Yorkshire, BD1 3EP. Our Financial Conduct Authority Firm Reference Number is 717369. You can verify our status on the Financial Services Register by visiting the FCA’s website at

Our ICO Number is ZA060915. Company Registration Number 9027448.

The services we provide

We will provide you with either comparable details of firms most appropriate to your purchase requirements, or general information relating to the products. In assessing your requirements we may seek such information about your personal circumstances and objectives as might be relevant in order to enable us to identify your needs. It is important that you provide us with accurate and relevant information so that we can try to match you with the most suitable product.

The products we use

As a Financial Conduct Authority regulated credit broker, we may introduce you to a range of finance providers who may be able to help you finance your vehicle and provide other products/services, such as vehicle maintenance and servicing packages.

We may receive a fee for introducing you to one of our many lenders who assists with your agreement.

The charge for our services

A documentation/processing fee of up to £299 + VAT will be added and collected on order.

We are primarily a fee-based organisation but may have the rare occasion where a commission may be applicable. Please see our Commission Disclosure document.

Dispute Resolution & Complaints

We work hard to ensure that the services we offer are fair and that our communication to our customers is clear and not misleading. However, if you are unhappy with our service and you wish to register a complaint, please contact us:

Writing: Complaints Department, Bentley House, 64-70 Manningham Lane, Bradford, West Yorkshire, BD1 3EP

Phone: Tel: 01274 770 082


To help us resolve your problem more efficiently, you should provide the following information:

    • Your full name and contact information
    • Full details of your complaint
    • Your lease agreement details
    • Details of what you would like us to do to put things right
    • Photocopies of any relevant paperwork

We will answer any complaints as quickly as possible but always within eight weeks.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

A copy of our full complaints procedure is also available on our website.

The Financial Services Compensation Scheme (FSCS)

The services we provide are not protected under the Financial Services Compensation Scheme (FSCS).

What Our clients say

"Absolutely perfect service, hassle free, got the deal and car that I wanted. The whole transition went smooth and perfect. Definitely who recommend this to anyone who is looking to lease a car"
Yahya Umarji
"Awesome company can't wait for my second car to come this June thanks guys amazing service"
Lee Pedder
"Excellent service.
Professional and efficient.
Pleasure doing business with you guys. All the best"
Sahila Butt
"Great company, an absolute pleasure to deal with!! Would highly recommend to anyone!!"
Jamie Boomer