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Finance & Insurance

H.R. Owen Financial Services work with other specialist vehicle finance houses to offer a wide choice of payment plans and insurance policies tailored to your specific needs and circumstances and the intended use of your Used Car.

We offer the traditional loan arrangements of Hire Purchase and Lease Purchase agreements at competitive rates. These packages enable you to fix your monthly repayments at a predictable level depending on your deposit (in the case of Hire Purchase) or “balloon” payment (in the case of Lease Purchase). In many cases we are also able to offer Personal Contract Plans (PCP), the benefit of which is the guaranteed future value of the car.

We are fully regulated by the Financial Services Authority. This is because we offer our Specialist Cars customers advice relating to insurance products that are specifically designed to protect the value of their car.

We find that a lot of our customers like to be protected from unexpected expense relating to damaged or punctured tyres; the cost of tyres on our cars is rarely less than £400 per wheel. Equally important is the issue of ‘Guaranteed Asset Protection’, known as GAP insurance. In the event of a total loss claim insurance companies usually pay out the current market value of a vehicle, not the price you actually paid for the car. In fact, as time passes the gap between your vehicle’s initial cost and its market value will increase. GAP insurance will at least partially compensate you in the event of a claim.

With a dedicated business manager at each site, we provide an excellent knowledge of vehicle finance options and insurance policies and will be delighted to discuss the available fiscal options with you. Contact H.R. Owen Specialist Cars to find out more about our range of finance and insurance arrangements.


Buying standard car insurance can be ineffective and costly for prestige and luxury vehicles. This is why we set up H.R. Owen Insurance Services, a specialist insurance broker serving discerning private and corporate clients. Its team of experienced professionals provides expert, confidential advice and insurance services to clients who require full protection for high-value luxury assets. H.R. Owen Insurance Services also serves investors in real estate and professional firms as well as the charity and not-for-profit sector. H.R. Owen brings a unique approach to these very different areas of insurance. H.R. Owen Insurance Services is a jointly owned partnership between one of the leading practitioners of specialist general insurance for private clients and commercial property in the UK, Stackhouse Poland Ltd and H.R. Owen.

H.R. Owen Insurance Services Ltd offers enhanced cover and exclusive premiums. As part of the service we offer a complimentary insurance ‘health-check’ to ensure your arrangements meet your individual needs and are competitively priced. The policies that we provide are not available directly with insurers, banks or price comparison websites. For more details, visit or call us now on 0333 240 1291.

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