Frequently Asked Questions

Leasing is a long-term rental agreement that allows you to use a vehicle for a set period at a fixed monthly cost. At the end of the lease, you return the vehicle to the leasing company.

PCH is for individuals and offers fixed monthly payments for a set term and mileage.

BCH is for businesses and includes VAT and tax benefits, such as reclaiming VAT and offsetting rentals against profits.

• Use of the vehicle for a set term and mileage.
• Road tax (Vehicle Excise Duty) for the duration of the lease.
• Optional extras like maintenance, breakdown cover, GAP insurance, and replacement vehicle cover.

• Minimum capital expenditure.
• Fixed monthly costs and improved cash flow.
• VAT reclaimable on rentals (50% on cars and 100% on commercial vehicles or maintenance).
• No depreciation or disposal worries - the leasing company handles vehicle resale.
• Road tax included for the duration of the lease.

Yes, VAT-registered businesses can reclaim:

• 50% of the VAT on the finance element for cars.
• 100% of the VAT on commercial vehicles and maintenance packages (subject to conditions).

• Fixed monthly payments for predictable motoring costs.
• No need to worry about depreciation or selling the vehicle.
• Flexible initial payments and contract terms (usually 2 - 4 years).
• Maintenance packages available for peace of mind.

• You never own the vehicle - it must be returned at the end of the lease.
• Early termination can be expensive.
• Excess mileage charges apply if you exceed the agreed limit.
• The vehicle must be well-maintained and insured with fully comprehensive cover.

Select any make or model of car or van. We can source in-stock vehicles for quick delivery or arrange factory orders for customised specifications.

Yes, maintenance packages can be included, covering servicing, routine maintenance, tyres, exhausts, and batteries. Adding maintenance ensures predictable motoring costs.

No, we offer free nationwide delivery for all lease vehicles. Alternatively, you may collect the vehicle from the dealership if preferred.

1. Choose your vehicle: We can source any make or model, including customised factory orders.
2. Credit check: Complete a credit check to confirm eligibility for personal or business leasing.
3. Order placement: Once your credit is approved, sign and return the lease order form.
4. Order confirmation: We place your order with a dealer and provide regular updates on progress.
5. Sign the lease agreement: This happens once your vehicle is ready for delivery.
6. Cooling-off period: A 14-day cooling-off period applies for personal leases (5 days for some businesses).
7. Vehicle delivery: Once the lease agreement is signed, your vehicle will be delivered free of charge.

Personal leases: A 14-day cooling-off period applies after signing the lease agreement.

Business leases: A 5-day cooling-off period may apply for sole traders or non-limited companies. Limited companies typically have no cooling-off period.

At the end of the lease, you return the vehicle to the leasing company. Ensure it meets the BVRLA's 'Fair Wear and Tear' guidelines to avoid additional charges.

Exceeding the agreed mileage will result in an excess mileage charge, which is pre-agreed in your lease terms.

Mileage amendments are possible in some cases, depending on the finance funder. It’s best to be as accurate as possible when setting your initial mileage. However, if you are mid contract please contact the funder to discuss.

Yes, in many cases, you can formally extend your lease beyond the end of the contract term. Contact us to discuss your options.

Early termination can be expensive and is calculated based on the remaining term of the lease. Contact us for more details.

GAP insurance covers the difference between the vehicle’s finance balance and its insurance value if it’s declared a total loss. It’s optional but recommended for peace of mind.

Established in 1997, we bring over 70 years of combined experience in vehicle leasing. We pride ourselves on competitive pricing, tailored solutions, and exceptional customer service for both personal and business customers.