Frequently Asked Questions

Discover answers to the most common questions surrounding personal leasing.

What is Leasing?

Leasing is a fixed term rental agreement that allows you to use a vehicle for a set period of time at an agreed monthly price.

What are the differences between Personal Contract Hire (PCH) and Business Contract Hire (BCH)?

PCH is a product that is available to everyone over the age of 18 and in possession of a full UK Driving Licence (subject to you being approved for finance). PCH is similar to BCH, but with PCH agreements, you are unable to reclaim VAT.

BCH is for business customers (Limited Company, Partnership, or Sole Trader) only. You can reclaim up to 100 percent of VAT, depending on whether the car is used for personal use.

Is road tax included in the price?

Yes, road tax is included for the duration of the contract.

What is an initial payment?

The term ‘initial payment’ refers to the first payment of the contract. It is not a deposit; the initial payment helps to determine how your monthly payments will be thereafter. The higher the initial payment, the lower the monthly payments and vice versa.

When is the initial payment taken?

The initial payment is taken approximately 7 to 10 days after the driver has taken possession of the vehicle.

How long can a vehicle be leased for?

The majority of our lease deals are available between 24 and 48 months. If you are looking for something outside these parameters, please contact us and speak to one of our Relationship Managers.

What is included in the contract?

All lease contracts include the following:

  • Full manufacturer’s warranty
  • Road Tax
  • Breakdown assistance (as per the manufacturer warranty)
  • Free UK mainland delivery and collection
What is not included in the contract?

The below are not included in a lease contract:

  • Motor vehicle insurance
  • Any additional insurance products (i.e. GAP Insurance)
  • Maintenance and servicing. These are not included as standard; however, we do have packages available
Can amendments be made to the contract?

Changes to a contract whilst it is live will be a decision made by the finance company who is providing the lease. If there is a need to make any amendments to the contract, such as contract length or annual mileage, then please contact your finance company directly.

How soon will the vehicle be delivered?

If you select a vehicle that we have in stock, delivery usually takes place approximately three weeks from the point of order. If the vehicle is a factory order, the lead time can differ, depending on the manufacturer's production schedule.

Our Relationship Managers will advise before your order is placed, and provide additional updates throughout the duration of delivery.

Can maintenance options be added to the lease vehicle?

Yes, we can offer a maintenance package on the majority of our vehicles.

What is included in a maintenance package?

A lease or contract hire agreement with maintenance included covers:

  • All tyre replacements as a result of fair wear and tear
  • The cost of scheduled servicing and associated costs
  • Consumable items such as brake discs, batteries, and exhausts (subject to reasonable wear and tear)
  • Where applicable, the cost of the MOT
  • Breakdown cover
  • Any repair to the vehicle as long as it is not as a result of damage, abuse or misuse
What is not included in a maintenance package?
  • Any damage caused by driver damage or misuse
  • Any replacements or repairs required to any bodywork or glass
Are there any restrictions when leasing a vehicle?

Anyone under the age of 18 or not in possession of a full UK driving licence will not be able to lease a vehicle. All lease deals are subject to a credit check, anyone who fails a finance application will not be able to lease a vehicle.

We are also unable to assist the following businesses: Taxi’s, Chauffeurs, and Driving Schools. This is due to the fact we cannot lease to anyone intending to use the vehicle for ‘Hire and Reward’.

Can I register a lease vehicle with a personalised plate?

It is possible to place a personalised number plate on any of our vehicles. Please advise your Consumer Administrator once the order has been placed, and we can advise the process and costs depending on which finance provider you are using.

Where will the vehicle come from?

All our vehicles are distributed either directly through manufacturers, or via franchised dealers and preparation centres.

Can I take my lease car abroad?

Yes, however, you will need to make the finance company who are funding your vehicle aware of this. You will also need to ensure you have all the correct documents to comply with the visited country's legislation.

Can I hand my vehicle back earlier than agreed?

If you were looking to hand back the vehicle earlier than your contract duration, you would be required to pay an early termination charge. It is not possible to give an estimate of this amount as the charge is based on a percentage of your remaining monthly rentals, how many miles you have covered, and the market value of the vehicle at the time the request is made.

What condition must I hand my vehicle back in?

The vehicle must be returned with no more than the normal level of fair wear and tear. We work to the BVRLA fair wear and tear guide, however please note that different finance companies can set their own level of wear and tear guidelines.

Will I own the vehicle at the end of my contract?

The finance company is the registered owner and keeper of the vehicle, so when the lease contract comes to an end, you will not own the vehicle.

Do you accept part-exchange?

Unfortunately, we don't offer a part-exchange service directly.