Question 1

How does car leasing work?

Accepted Answer

Car leasing allows you to drive a new vehicle for a fixed monthly payment over an agreed period (usually 2-4 years). You return the car at the end of the lease term. It's like renting a car long-term, with lower monthly payments than buying.

Question 2

What is the difference between personal and business car leasing?

Accepted Answer

Personal car leasing (PCH) is for individuals and includes VAT in the price. Business car leasing (BCH) is for companies, allows VAT reclaim (if VAT registered), and often provides tax benefits through corporation tax deductions.

Question 3

How long does it take to get my new car?

Accepted Answer

For stocked vehicles, we offer 2-week delivery from contract signing. Factory orders typically take 3-6 months depending on the manufacturer and model specification.

Question 4

What credit checks do you perform?

Accepted Answer

We perform standard credit checks to assess your ability to make monthly payments. We work with multiple finance providers to find suitable options for various credit situations.

Question 5

Do you offer electric car leasing?

Accepted Answer

Yes, we offer a comprehensive range of electric vehicles from leading manufacturers including Tesla, BMW, Audi, and more. Electric car leasing often includes government incentives and lower running costs.

Question 6

What hybrid vehicles are available?

Accepted Answer

We offer both mild hybrid and plug-in hybrid vehicles from manufacturers like Toyota, BMW, Mercedes-Benz, and Volvo. Hybrid leasing provides excellent fuel economy and reduced emissions.

Question 7

Can I lease commercial vehicles?

Accepted Answer

Yes, we provide commercial vehicle leasing including vans, trucks, and other business vehicles. These often come with additional tax benefits for businesses.

Question 8

What is the initial payment?

Accepted Answer

The initial payment is typically 1-12 months' rental paid in advance. A higher initial payment reduces your monthly payments. We offer flexible initial payment options to suit your budget.

Question 9

Are there any additional costs?

Accepted Answer

Additional costs may include excess mileage charges, damage charges, and early termination fees. We'll explain all potential costs upfront before you sign your agreement.

Question 10

Is maintenance included in the lease?

Accepted Answer

We offer both contract hire (no maintenance) and contract hire with maintenance packages. Maintenance packages include servicing, MOT, tyres, and breakdown cover.

Question 11

Is insurance included?

Accepted Answer

Insurance is not included in the lease price. You'll need to arrange comprehensive insurance for the duration of your lease. We can recommend competitive insurance providers.

Question 12

How long are lease contracts?

Accepted Answer

Lease contracts typically run from 12 to 48 months, with 24-36 months being most common. Longer contracts generally offer lower monthly payments.

Question 13

What mileage allowance can I choose?

Accepted Answer

We offer flexible mileage allowances from 5,000 to 50,000+ miles per year. Choose based on your expected usage - higher mileage allowances increase monthly payments but avoid excess charges.

Question 14

Can I terminate my lease early?

Accepted Answer

Early termination is possible but may incur charges. The cost depends on how much of the contract remains and the vehicle's current value. We'll calculate exact costs if needed.

Question 15

Can I change my contract terms?

Accepted Answer

Some changes may be possible during the contract, such as increasing mileage allowance. However, this may affect your monthly payments. Contact us to discuss your options.

Question 16

What are the benefits of business car leasing?

Accepted Answer

Business leasing offers tax benefits, VAT reclaim opportunities (if VAT registered), improved cash flow, and simplified fleet management. Monthly payments are typically tax-deductible business expenses.

Question 17

Can I reclaim VAT on business leasing?

Accepted Answer

VAT-registered businesses can typically reclaim 50% of VAT on car leases and 100% on commercial vehicle leases. We'll provide the necessary documentation for your accountant.

Question 18

Do you offer fleet management services?

Accepted Answer

Yes, we provide comprehensive fleet management services including vehicle sourcing, contract management, maintenance coordination, and end-of-lease arrangements for multiple vehicles.

Question 19

What happens when I return the vehicle?

Accepted Answer

At lease end, we arrange collection of the vehicle. It will be inspected for any damage beyond fair wear and tear. You'll receive a final invoice covering any charges, which are deducted from your damage deposit.

Question 20

Can I buy the vehicle at the end of the lease?

Accepted Answer

Some lease agreements offer a purchase option, but this isn't standard. If you're interested in eventual ownership, consider hire purchase or PCP finance instead of traditional leasing.

Question 21

What constitutes damage beyond fair wear and tear?

Accepted Answer

Fair wear and tear includes minor scuffs, small stone chips, and interior wear consistent with the vehicle's age and mileage. Significant scratches, dents, tyre damage, or interior damage may incur charges.

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