D2D Group Consulting

Financial Services

We enable car manufacturers, suppliers, dealers, captive finance companies, brokers and insurers enhance their revenues and customer engagement through the provision of automotive financial products and services.

The potential to unlock revenue through financial services or “affinity” programmes is huge.

By unlocking the potential in these schemes and by broadening customer relationships we enable our clients to maximise their revenues in markets and sectors where core products are standardised, competition is intense and price is not enough to differentiate their brand.



Personal Contract


With PCP finance, you pay an initial deposit, followed by monthly instalments, but a large portion of the loan is deferred until the end of the agreement. You can pay that final sum to own the car, hand it back or start another agreement.

Personal Contract Hire

PCH is another way to finance a car. It’s technically a method of leasing a car rather than buying it. You pay a deposit and low monthly instalments, but you never own the car.


That's the technical name for an extended warranty. Warranties are included in the purchase price at the time of sale – any additional coverage that's purchased to cover a period of time after that initial warranty expires is known as a service contract.

Excess Wear

and Tear Cover

Rental car charge levied on vehicle use beyond what is considered normal (but never specified). It usually covers both exterior damage (such as dents and scrapes) and interior spoilage (such as upholstery stains). Also called excessive wear and use charge.

Hire Purchase

With HP, you pay a deposit up front, and then pay off the rest of the balance – plus the interest - in equal monthly instalments. The car is yours at the end of the agreement.

Vehicle Insurance

Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.

GAP Insurance

Gap insurance is an optional, add-on car insurance coverage that can help certain drivers cover the “gap” between the amount they owe on their car and the car's actual cash value (ACV) in the event of an accident.


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Commerce in China

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