frequently asked questions

Please either select a question from the list below or scroll down to view them all...

Can I transfer from more than one of my existing cards?

Contract Hire....................Finance Company
Finance Lease....................Lessee
Contract Purchase................Lessee
PCP..............................Lessee
Lease Purchase...................Lessee
Hire Purchase....................n/a
Personal Lease...................Finance Company
Outright Purchase................n/a

What happens if I do more miles than I'm contracted for?

Contract Hire....................Excess Charge
Finance Lease....................n/a
Contract Purchase................Excess Charge
PCP..............................n/a
Lease Purchase...................n/a
Hire Purchase....................Excess Charge
Personal Lease...................Excess Charge
Outright Purchase................n/a

Who owns the car at the end of the agreement?

Contract Hire...................Finance Company
Finance Lease...................Finance Company
Contract Purchase...............Optional
PCP.............................Optional
Lease Purchase..................Lessee
Hire Purchase...................n/a
Personal Lease..................Finance Company
Outright Purchase...............n/a

Who is responsible for insuring the car?

Contract Hire..................Lessee
Finance Lease..................Lessee
Contract Purchase..............Lessee
PCP............................Lessee
Lease Purchase.................Lessee
Hire Purchase..................Lessee
Personal Lease.................Lessee
Outright Purchase..............Lessee

What lengths of contracts are available?

Contract Hire..................12 /48 months
Finance Lease..................12 /48 months
Contract Purchase..............12 /48 months
PCP............................12 /48 months
Lease Purchase.................12 /48 months
Hire Purchase..................12 /48 months
Personal Lease.................12 /48 months
Outright Purchase..............n/a

Who pays the road tax?

CThe first year will normally be included within the price. In the case of a maintenance agreement it will be included for the period of the agreement.

Who is responsible for servicing the car?

Maintenance of the vehicle is your responsibility, unless you have a maintenance agreement. If you have a maintenance agreement make sure that you have the vehicle service at the required intervals other wise you could void the agreement.

Can I put a personalized number plate on the car?

There will normally not be a problem. Be careful with contract hire and any agreements where the vehicle is registered in the name of the finance company. Make sure that you have their agreement and their confirmation that they will transfer the number back to you at the end of the agreement.

What happens if I can no longer afford the payments?

You must inform the finance company and discuss the matter with them.

If my circumstances have changed and I now need to amend the agreed mileage part way through a contract. Can I do this?

This shouldn’t be a problem. You will need to contact the leasing company to arrange an alternative agreement. This will usually mean altering the monthly payments.

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