These Scheme Terms were last updated on 1 January 2026.
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This Scheme
1.1. The Scheme is there to provide you with Reimbursement in the event you inadvertently purchase a Clocked Vehicle, Cloned Vehicle, or Stolen Vehicle via the Motorway platform. Reimbursement under this Scheme is not a regulated insurance product and any Reimbursement is made at the sole discretion of Motorway.
1.2. If you have any questions about this Scheme, you can contact us at dealersupport@motorway.co.uk.
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Definitions & Interpretation
2.1. In these scheme terms, the following words have the following meanings:
2.1.1. "Clocked Vehicle" means a Vehicle where its true mileage has been concealed or amended, either manually or electronically;
2.1.2. "Cloned Vehicle" means a Vehicle that has been given the identity of another legitimate vehicle, typically by copying registration details and documentation;
2.1.3. “Eligibility Criteria” means the criteria set out under Clause 3.1 of these Scheme Terms;
2.1.4. “Quarter” means a period of three months, starting from 1 January each calendar year (e.g., Jan - Mar, Apr - Jun, Jul - Sep, Oct - Dec);
2.1.5. "Reimbursement" means the discretionary financial payment provided by Motorway to Dealers who meet the Eligibility Criteria under this Scheme;
2.1.6. "Scheme" means this discretionary clocked, cloned, and stolen vehicle reimbursement scheme offered to Dealers who meet the Eligibility Criteria;
2.1.7. “Scheme Terms” means these terms and conditions, which apply to the Scheme; and
2.1.8. "Stolen Vehicle" means a Vehicle that has been unlawfully taken without the owner's consent.
2.2. Unless defined in these Scheme Terms or the context otherwise requires, capitalised terms used in these Scheme Terms shall have the same meanings given to them in the Pro Terms, available here: https://pro.motorway.co.uk/terms. In particular, when we refer to “Dealers” in these Scheme Terms, we mean Dealers as defined in the Pro Terms, who are not using the Motorway platform in their capacity as a consumer for the purposes of the Consumer Rights Act 2015 and any similar legislation.
2.3. Words in the singular include the plural and in the plural include the singular.
2.4. Headings shall not affect the interpretation of these Scheme Terms.
2.5. References to Clauses are, unless otherwise provided, references to the clauses of these Scheme Terms.
2.6. Unless a right or remedy of a party is expressed to be an exclusive right or remedy, the exercise of it by a party is without prejudice to that party's other rights and remedies.
2.7. Any phrase introduced by the word 'including' shall be construed as illustrative and shall not limit the generality of the related general words.
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Eligibility Requirements
3.1. To be eligible for Reimbursement under this Scheme, a Dealer must satisfy all of the following requirements at the start of a Quarter:
3.1.1. the Dealer must have purchased and paid for a minimum of twenty (20) Vehicles in the preceding Quarter;
3.1.2. the Vehicle subject to the claim must have been paid for via Motorway Pay; and
3.1.3. the Dealer must comply with all obligations set out in these terms.
3.2. Eligibility for the Scheme refreshes with each new Quarter. Dealers who no longer satisfy the Eligibility Criteria at the start of a Quarter shall no longer benefit from the Scheme. Dealers who previously did not meet the Eligibility Criteria but who do so at the start of a new Quarter shall be able to make a claim for Reimbursement under the Scheme.
3.3. We reserve the right to amend the Eligibility Criteria at any time by providing you with reasonable written notice.
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Scope of Reimbursement
4.1. Subject to these Scheme Terms, Reimbursement may be provided at our absolute discretion for financial losses directly caused by the inadvertent purchase of a Clocked Vehicle, Cloned Vehicle, or Stolen Vehicle through the Motorway platform.
4.2. Where a claim is accepted under this Scheme in respect of a Cloned Vehicle or Stolen Vehicle, the Reimbursement will typically amount to the Purchase Price of the Vehicle paid by you.
4.3. Where a claim is accepted under this Scheme in respect of a Clocked Vehicle, the Reimbursement will typically amount to either (a) the difference between the Purchase Price and the CAP value based on the correct mileage of the Vehicle, or (b) the difference between the Purchase Price and the price obtained for the Vehicle via a reputable trade out solution, based on the correct mileage of the Vehicle. We reserve the right to stipulate which trade out solution you use in this respect (e.g., BCA, Manheim, Aston Barclay).
4.4. Reimbursement is limited to a maximum of £30,000 per Vehicle in all cases.
4.5. Once a claim is accepted, provided we have the correct payment details, we will pay the Reimbursement amount to you within a reasonable timeframe (typically within 30 days).
4.6. We reserve the right to pay any sum due under this Scheme as a credit to your Motorway account where you are in persistent or significant debt to us.
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Claims Procedure
5.1. Dealers must submit claims within ninety (90) days from the date on which payment is made for the Vehicle via Motorway Pay.
5.2. We will not be able to accept a claim from a Dealer who does not meet the Eligibility Criteria.
5.3. If you do meet the Eligibility Criteria, then in submitting a claim, you must:
5.3.1. provide us with all evidence we reasonably require;
5.3.2. complete our claims form, including all minimum evidence requirements specified therein;
5.3.3. follow our reasonable instructions in a timely manner; and
5.3.4. cooperate fully with our investigation of the claim.
5.4. Our claims form can be found in the Dealer Help Centre in Motorway Pro. Claims will not be accepted via email or through account managers.
5.5. You warrant and represent that the information you provide in the claims form or otherwise in support of your claim is accurate, truthful, and not misleading in any way.
5.6. The more information you provide as part of your claim, the easier it will be for us to review. We reserve the right to request additional information should we not be able to determine with a high-degree of certainty that the Vehicle in question is a Clocked Vehicle, Cloned Vehicle, or Stolen Vehicle. If, despite our reasonable efforts, we still have insufficient information or evidence to determine your claim, we reserve the right in our complete discretion not to provide Reimbursement.
5.7. We will use our reasonable endeavours to make a decision on all claims within 5 working days. Our ability to do this is dependent on you providing all evidence requested of you in a timely manner and completing the claim form to the best of your ability.
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Duty to Mitigate Losses
6.1. All Dealers have a duty to mitigate their losses and must:
6.1.1. allow us a minimum of 5 calendar days to attempt to effect a return of the Vehicle to the Seller, particularly in cases involving Clocked Vehicles;
6.1.2. take all reasonable steps to minimise their own losses; and
6.1.3. not dispose of or deal with a Vehicle which is the subject of a claim without our prior written consent, once that claim has been notified to us.
Clocked Vehicles
6.2. In the case of Clocked Vehicles that cannot be returned to the Seller, we may stipulate that you trade out the Vehicle through a specific auction platform (e.g., BCA, Manheim, Aston Barclay, Dealer Auction), before making any Reimbursement.
6.3. In the unlikely event that trading out the Vehicle is not feasible, we may instead base the Reimbursement on the difference between the Purchase Price and the CAP value of the Vehicle with its real mileage and spec.
Cloned / Stolen Vehicles
6.4. For claims relating to Stolen Vehicles or Cloned Vehicles, you must provide evidence that the Vehicle has either been seized by the Police or that you have reported it to the Police. This includes providing us with a valid crime reference number and copy of the Police report, before we will consider Reimbursement under the Scheme.
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Self-Collection Requirements
7.1. Where a Dealer self-collects a vehicle, they must, at a minimum:
7.1.1. check the odometer reading of the vehicle against the vehicle profile on the Motorway platform; and
7.1.2. verify that the VIN displayed on the vehicle chassis matches both the Motorway profile and the V5C registration document.
7.2. We will ask for a video to be submitted as part of the claim form, evidencing that you have carried out the checks referred to in Clause 7.1.
7.3. Failure to comply with the requirements in Clause 6.1 and Clause 7.1 will result in you being ineligible for Reimbursement under this Scheme.
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Discretionary Nature of Scheme
8.1. This Scheme is entirely discretionary and does not create any contractual or legal obligation on our part to provide Reimbursement. Any Reimbursement under this Scheme is paid at our complete discretion to ensure the Scheme is supportive of our Dealers.
8.2. We reserve the right to:
8.2.1. decline any claim under this Scheme at our absolute discretion;
8.2.2. vary, suspend, or terminate this Scheme, any of the Scheme Terms, and/or Eligibility Criteria at any time without notice; and
8.2.3. require additional evidence or information before considering any claim.
8.3. Before we make any material changes to these Scheme Terms and/or Eligibility Criteria, we will provide you with reasonable prior notice.
8.4. Please note that the Reimbursement under this Scheme is not intended to be, and is not, insurance and falls outside the scope of insurance regulation.
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Exclusions
9.1. Notwithstanding the discretionary nature of the Scheme, Reimbursement will not be considered where:
9.1.1. the Dealer has failed to comply with any of the requirements set out in these Scheme Terms;
9.1.2. the loss arises from the Dealer's negligent or fraudulent conduct;
9.1.3. the Dealer had actual or constructive knowledge that the vehicle was a Clocked Vehicle, Cloned Vehicle, or Stolen Vehicle at the time of purchase; or
9.1.4. the claim is made outside the time limit specified in Clause 4.1.
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Complaints
10.1. If you have a complaint about this Scheme or how a particular claim has been handled, you can speak to your account manager or email dealersupport@motorway.co.uk.
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General Provisions
11.1. These Scheme Terms constitute the entire agreement between the parties relating to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, negotiations, representations and warranties, and communications, both written and oral.
11.2. These Scheme Terms are governed by English law and are subject to the exclusive jurisdiction of the English courts.
11.3. If any provision of these Scheme Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
11.4. No failure or delay by us in exercising any right, power or privilege under these Scheme Terms shall operate as a waiver thereof nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power or privilege.
11.5. Dealers may not assign, transfer, or delegate any of their rights or obligations under these Scheme Terms without our prior written consent. We may assign our rights and obligations under these Scheme Terms at any time without notice.
11.6. No person other than the parties to these terms shall have any right to enforce any of these Scheme Terms.
11.7. We shall not be liable for any failure or delay in performance under these Scheme Terms which is due to fire, flood, earthquake, elements of nature or acts of God, acts of war, terrorism, riots, civil disorders, or any other cause beyond our reasonable control.
11.8. Any personal data processed in connection with a claim under these Scheme Terms will be processed in accordance with our Seller and Dealer privacy policies, copies of which can be found on our website.
11.9. Any notices required or permitted to be given under these Scheme Terms shall be in writing and delivered by email to the email address associated with the Dealer's Motorway account.