I have been affected by the Coronavirus and am worried about my payments. What can I do?
If your income has been affected by the Coronavirus, please contact us as we have options in place to help you through this difficult time. This might be changes to your payment schedules, temporary payment reductions or the deferral of rental payments for up to 3 months (as appropriate for you and your situation).
my car needs an MoT and I can't get it renewed due to Coronavirus. What can I do?
The Government have confirmed a 6 month exemption for MoT tests falling due after 30th March 2020. For vehicles where an MoT test fell due before 30th March 2020, the test must still be completed. Please do note that the car must remain roadworthy and it is the drivers responsibility to ensure that this is the case- drivers can face prosecution if the car is not fit for use on the road. Many MoT centres do remain open- we would always recommend that you complete the MoT as soon as you are able to do so safely, to ensure the car is safe for use on the road. You can access government guidance on MoTs through the link below:
how do the payments work?
The initial rental payment is completed when you order the car, and rentals are paid monthly and typically start a month after delivery. In a 3 year agreement, there would be 1 initial rental payment, followed by 35 monthly rental payments. Your initial rental payment is made by bank transfer, then monthly payments are made by either standing order (you setup an instruction for your bank to make an automatic payment to us on the same date every month) or direct debit (we request payment from your bank on the same date every month).
Remember- your initial rental payment is not a deposit- it doesn't get refunded at the end of your lease.
when will I get my car?
This depends on whether the car is new or nearly new- for new cars there can often a lead time from the factory or supplying dealership, so accurate estimates are difficult, but under normal circumstances, your car should arrive in 2 or 3 weeks. For nearly-new cars sourced from our selected and trusted suppliers, the time between placing an order and delivery to your door is typically 10-12 days.
what about delivery? road tax (vehicle excise duty)?
Road tax is included in your contract for the term of your lease.
Delivery to your contract address is typically included, although please note that on some occasions a supplementary charge may be required. If you contact us, we will be happy to check for you.
do I have to service the car?
Our contracts don't include service or maintenance as standard- although maintenance packages can often be added- so it is your responsibility to ensure that the vehicle is maintained in line with manufacturer's guidelines. It's always a good idea to make sure that any stamps are added to the service book and invoices and other paperwork for maintenance are kept and returned with the car.
Note- services can be completed by the manufacturer's dealers or, as long as they only fit original manufacturer parts, by any reputable garage.
what about insurance?
You'll need to have a comprehensive insurance policy in place for the term of your lease- even if you're not using the car. Any car that has not been declared to the DVLA as off the road (SORN) should be insured at all times and it is also one of the conditions in your contract with us.
Don't forget to tell your insurer that your vehicle is on contract hire with us so they can make sure you have the right type of policy.
what happens at the end of the agreement?
At the end of your agreement, we will arrange to inspect and collect the vehicle. The inspection will be completed to BVRLA (British Vehicle Rental & Leasing Association) standards. Once the vehicle has been returned to us we will write to you detailing any charges or outstanding payments- if you have taken good care of the vehicle, there is usually very little or nothing further to pay, but things like missing service history, excess mileage or any damage to the vehicle beyond Fair Wear & Tear may be chargeable. You can find a Fair Wear & Tear guide here.
can I get a new car at the end of my agreement?
Of course- let us know what you would like and we'll look into it for you! Equally, if you like the car you already have, it might be possible to keep it for a bit longer- just get in touch and we'll be happy to go through your options.
what happens if I have an accident or damage the car?
If you are unlucky enough to be involved in an accident or your vehicle is damaged, you'll need to contact your insurer and then let us know too. Any repairs will need to be carried out by an approved agent of the manufacturer, and should only use manufacturer original parts.
what happens if my circumstances change?
We all know that things change over time, so if you ever find that you're struggling to make your payments, need to make a change to e.g. your contract mileage or even if you're finding that your vehicle doesn't suit you as well as it used to, give us call and we'll be happy to see what we can do to help.
what happens if I get a parking ticket or speeding fine?
Because we are the registered keeper and owner of the vehicle, speeding fines, unpaid parking fines, congestion charge penalty charge notices (PCNs) are sent to us. We will make a representation to the issuer, who will then get in touch with you directly. Sometimes we might have to settle tickets for you, then recharge you for the payment plus a small administration fee.
Top tip- if you regularly use toll roads (e.g. Dart Crossing/Mersey Tunnel/M6 Toll Road etc), or town and city centres operating Congestion Charging schemes (e.g. London), it's a good idea to pre-register your vehicle to automatically pay when you use the service, as you may qualify for a discounted rate and the PCNs can be very expensive.
any more questions?
Give us a call or drop us a line and we'll be happy to help.