Layby Terms and Conditions

Our in store Layby terms and conditions are as follows:

Layby is available on an 6 week term and must be paid in full.

Collection date:
Laybys must be collected by finalisation at the end of the 6 weeks.

A 10% deposit of the total of the layby is required on each layby.

Regular fortnightly payments must be made.

Failure to make payments when they are due or collect laybys by the due date will be treated as cancellation of the layby by the customer. In these instances, the customer will fotfit the product and deposits that have been paid. If the layby is cancelled within the 6 weeks a termination fee of 20% will occur and remaining deposit will be returned.


  • Information collected for a layby transaction will be used for the purpose of processing your layby and may also be provided to third parties, to send reminders via letter, SMS or email.
  • Information collected for a layby transaction will be used for the purposes of contacting you regarding Tosca's policies and procedures that may affect you.
  • If you opt in for marketing material: You agree to Tosca's collecting my personal information to analyse purchasing and online activity. This includes receiving marketing communications, contact about purchasing activity and targeted advertising subject to exercising privacy rights and choices.